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DOKU

doku.com

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Spec score 9.1 #1 of 66 in Payment Gateways

What it is

DOKU provides payment acceptance, payouts, and wallet services connecting businesses with consumers. One registration gives a business access to more than 45 payment methods. Its checkout uses one integration for multiple methods and allows customers to switch payment methods without cancelling a transaction. Businesses can create payment links or digital invoices from the dashboard or Juragan DOKU app and share them through social media, chat, or email. A digital catalog supports product details, checkout, shipping, and real-time order processing. DOKU’s plugin works with Magento, WooCommerce, and Shopify; the listed platform fee is 0,2% in addition to payment-method fees. Developers can use ready-made payment pages or full integrations, with an API reference and sandbox available. DOKU says it uses AES 256 encryption and has PCI DSS certification with periodic audits. It also states that it is Bank Indonesia PJP Level 1 licensed for payment gateway, remittance, e-money, e-wallet, and QRIS services. Payment fees apply to successful transactions, and prices exclude VAT. Founded in 2007, DOKU is headquartered in Jakarta and describes serving businesses from SMEs to enterprises, including local and international businesses.

Spec sheet

What it does
DOKU provides payment acceptance, payouts and wallet-as-a-service products for businesses.Read 14 Oct 2026 · doku.com
Integrations
DOKU’s plugin works with Magento, WooCommerce, and Shopify, and its pricing page lists a 0,2% platform fee in addition to payment-method fees.Read 7 Oct 2026 · doku.com
Security
DOKU states that it uses AES 256 encryption and has PCI DSS certification with periodic audits.Read 7 Oct 2026 · doku.com
Compliance
DOKU states it is Bank Indonesia PJP Level 1 licensed for payment gateway, remittance, e-money, e-wallet, and QRIS services.Read 7 Oct 2026 · doku.com
Support
DOKU advertises responsive help through multiple communication channels and provides consumer support by phone and email.Read 7 Oct 2026 · doku.com
Headquarters
Artha Graha Building 11th Floor, Jl. Jend. Sudirman Kav. 52-53, Jakarta 12190, IndonesiaRead 28 Sep 2026 · doku.com
Founded
2007Read 28 Sep 2026 · doku.com
API credentials
API access uses Client ID, Secret Key, DOKU and merchant public keys, and a token URL for applicable SNAP integrations.Read 14 Oct 2026 · docs.doku.com
API services
The developer portal documents Payment Gateway, Wallet, Billing and other APIs, including authentication, endpoints, data formats and sandbox testing.Read 14 Oct 2026 · developers.doku.com
App complaint: card approval
A Juragan DOKU Google Play review complains that a card-payment application was rejected without detailed requirements.Read 14 Oct 2026 · chrome-stats.com
App complaint: registration error
Another Juragan DOKU review reports a business-registration failure with a JT_null error while submitting a bank account.Read 14 Oct 2026 · chrome-stats.com
App privacy
Google Play says Juragan DOKU may share personal information and app activity, collects personal and financial information, encrypts data in transit and supports deletion requests.Read 14 Oct 2026 · play.google.com
Business customers
DOKU describes its services as supporting businesses from SMEs to enterprises, including local and international businesses.Read 7 Oct 2026 · doku.com
Checkout
DOKU Checkout lets merchants integrate a hosted payment page and offer multiple payment methods after one integration.Read 14 Oct 2026 · doku.com
Company founded
DOKU says it was established in 2007 as an electronic-payment and risk-management company.Read 14 Oct 2026 · doku.com
Company headquarters
DOKU lists Artha Graha Building, 11th Floor, Jakarta 12190, Indonesia as its address.Read 14 Oct 2026 · doku.com
Company legal name
The maker identifies itself as PT Nusa Satu Inti Artha (DOKU).Read 14 Oct 2026 · doku.com
Company size
LinkedIn lists DOKU as a privately held financial-services company with 201–500 employees.Read 14 Oct 2026 · linkedin.com
Developer access
DOKU offers ready-made payment pages or full integrations and links to its API reference and sandbox.Read 7 Oct 2026 · doku.com
Digital catalog
Digital Catalog supports physical, digital and service products, direct payment, stock and variants, and does not require a website or app installation.Read 14 Oct 2026 · doku.com
Domestic payouts
Domestic Payouts can send funds in real time to more than 100 Indonesian banks and upload up to 1,000 recipients in one file.Read 14 Oct 2026 · doku.com
Embedded wallet
Embedded Wallet provides account and balance management, QRIS payments and transfers to more than 100 bank accounts for premium users.Read 14 Oct 2026 · doku.com
Funding
Apis Partners announced a US$32 million investment in DOKU on August 5, 2021.Read 14 Oct 2026 · apis.pe
Help center
The consumer help center provides account-registration, PIN, failed cash-out and failed top-up articles plus ticket submission.Read 14 Oct 2026 · help.doku.com
Integration methods
DOKU documents hosted Checkout, Direct API, e-commerce plugins, SDKs/libraries and an MCP Server for AI tools.Read 14 Oct 2026 · docs.doku.com
Licence status
The public documentation describes proprietary hosted services, APIs, SDKs and plugins but does not state an open-source licence or self-hosting package.Read 14 Oct 2026 · docs.doku.com
Limit: high-traffic status delays
Gartner reviewers report payment status not refreshing during high-traffic campaigns, leading to user-experience problems and support tickets.Read 14 Oct 2026 · gartner.com
Limit: independent review coverage
HotelTechReport says Doku has no US reviews, is unranked and has unverified support processes.Read 14 Oct 2026 · hoteltechreport.com
Mobile app capability
Juragan DOKU creates instant checkout links, payment links and e-catalogs, with real-time reports and faster settlement claims.Read 14 Oct 2026 · play.google.com
Notable company milestone
DOKU says EMTEK Group became an investor in 2017 and it received a US$32 million Apis investment in 2021.Read 14 Oct 2026 · doku.com
Payment coverage
The payment gateway advertises more than 45 payment methods and support for over 300,000 merchants.Read 14 Oct 2026 · doku.com
Payment fee condition
DOKU says there are no setup or monthly fees across its services and charges payment fees only for successful transactions; prices exclude VAT.Read 7 Oct 2026 · doku.com
Payment link
Payment links include order and price details and can be shared through email, social networks or chat apps.Read 14 Oct 2026 · doku.com
Payment links
Businesses can create payment links or digital invoices from the dashboard or Juragan DOKU app and share them through social media, chat, or email.Read 7 Oct 2026 · doku.com
Payment methods
DOKU says one registration connects a business to more than 45 payment methods.Read 7 Oct 2026 · doku.com
Payout controls
The domestic payout dashboard supports single and batch instructions, while real-time account validation checks recipient numbers before sending.Read 14 Oct 2026 · doku.com
Payout limitation
A completed domestic payout cannot be refunded after the recipient receives the funds.Read 14 Oct 2026 · doku.com
Payout limits
The listed payout package with a Rp1.500 successful-transfer fee is limited to Rp10.000–Rp250.000.000 transfers through BI Fast.Read 7 Oct 2026 · doku.com
Plugins
The plugin offering supports Shopify, WooCommerce and Magento, with self-service CMS dashboard configuration and real-time transaction notifications.Read 14 Oct 2026 · doku.com
Praise: local payment coverage
Gartner reviewers repeatedly praise DOKU for its wide range of Indonesian local payment methods.Read 14 Oct 2026 · gartner.com
QRIS
DOKU QRIS accepts payments from multiple e-wallet and mobile-banking issuers and records payments automatically.Read 14 Oct 2026 · doku.com
Rating on Apple App Store
3.6 out of 5 from 2.6k ratingsRead 14 Oct 2026 · apps.apple.com
Rating on G2
0 out of 5 from 0 ratingsRead 14 Oct 2026 · g2.com
Rating on Gartner Peer Insights
4.1 out of 5 from 12 ratingsRead 14 Oct 2026 · gartner.com
Rating on HotelTechReport
0.0 out of 5 from 0 reviewsRead 14 Oct 2026 · hoteltechreport.com
Secret-key security
Secret-key reveal requires an email OTP and exposes the key for 30 seconds; documentation recommends scheduled or immediate key regeneration.Read 14 Oct 2026 · docs.doku.com
Security and compliance
DOKU states that it holds Bank Indonesia PJP Level 1 licensing and PCI DSS, ISO 27001 and AES-256 security credentials.Read 14 Oct 2026 · doku.com
System requirement
The DOKU e-Wallet iOS app requires iOS 13.0 or later and is 117 MB.Read 14 Oct 2026 · apps.apple.com

Plans and prices

Digital Catalog Free Gratis; transaction fees depend on payment method. Online catalog with stock and product variations Read 7 Oct 2026 · doku.com
DOKU Plugin Free Biaya Metode Pembayaran + 0,2% Platform Fee Shopify · WooCommerce · Magento Read 7 Oct 2026 · doku.com
Payment Link Free Gratis; transaction fees depend on payment method. Create links from web dashboard, mobile app, or WhatsApp bot Read 7 Oct 2026 · doku.com
Payment Link Free transaction fees vary by payment method Web dashboard · Juragan DOKU mobile app · WhatsApp bot · automated reminders Read 14 Oct 2026 · doku.com
Plugins Free payment-method fee; Shopify adds 0.2% Shopify · WooCommerce · Magento Read 14 Oct 2026 · doku.com
QRIS 0.70 IDR, paid once per transaction 0% for IDR 0–100,000 transactions; DOKU fee may apply Read 14 Oct 2026 · doku.com
E-wallets 1.50 IDR, paid once per transaction DOKU e-Wallet and DANA 1.5% · OVO 2%–3.18% · ShopeePay 2%–4% · LinkAja 2%–3.5% or IDR 2,500 Read 14 Oct 2026 · doku.com
Card payments 2.80 IDR, paid once per transaction Amex 3.5% + IDR 2,000 · installments 5%–9% + IDR 2,000 Read 14 Oct 2026 · doku.com
Bank account validation 500 IDR, paid once per successful request 118+ banks and e-wallets · no upfront deposit Read 14 Oct 2026 · doku.com
Bank Account Validation 500 IDR, paid once per permintaan berhasil; no upfront deposit, pay per invoice Validates account number and owner name across 118+ banks and e-wallets Read 7 Oct 2026 · doku.com
Domestic payout package 1 1,500 IDR, paid once per successful transfer IDR 10,000–250,000,000 · 24/7 · BI Fast channel only Read 14 Oct 2026 · doku.com
Domestic Payouts Paket 1 1,500 IDR, paid once per transfer berhasil; Rp10.000–Rp250.000.000; 24/7; BI Fast channel only Successful transfers · BI Fast only Read 7 Oct 2026 · doku.com

Every DOKU plan and price →

Strong points and limits

Strong points

  • One registration connects to more than 45 payment methods
  • Checkout lets customers switch methods without cancelling
  • Payment links and digital invoices can be shared
  • API reference and sandbox are available

Limits

  • Plugin adds a 0,2% platform fee
  • Payment-method fees apply to successful transactions
  • Prices exclude VAT

Who it suits

DOKU suits businesses seeking payment acceptance, payouts, or wallet services, from SMEs to enterprises. Developers can choose ready-made payment pages or build integrations using its API reference and sandbox.

DOKU in depth

Read the full write-up

DOKU is a payment platform for businesses collecting payments, sending payouts, and offering wallet services. It suits merchants that need multiple ways to accept payments alongside links, catalogs, or developer integrations. The central trade-off is straightforward: collection tools can be free to start, but transaction costs vary by payment method and the plugin adds a platform fee.

Overview

Founded in 2007, DOKU serves businesses from SMEs to enterprises, including local and international companies. A single registration connects a business to more than 45 payment methods, and checkout brings those methods into one integration. Customers can change their payment method without cancelling a transaction, a useful fallback when a preferred option does not suit them.

DOKU supports recurring and marketplace payments. It says it uses AES 256 encryption and has PCI DSS certification with periodic audits. Its Bank Indonesia PJP Level 1 licence covers payment gateway, remittance, e-money, e-wallet, and QRIS services.

Key features

Collecting orders without a custom checkout

Businesses can create payment links or digital invoices from the web dashboard or Juragan DOKU app and share them through social media, chat, or email. The digital catalog adds product details, stock and variations, checkout, shipping, and real-time order processing. These tools are a practical fit for sellers who want to take orders through existing channels; businesses needing more control can choose ready-made payment pages or build a full integration.

Plugins, APIs, and payouts

The plugin connects DOKU to Magento, WooCommerce, and Shopify, but its 0,2% platform fee comes on top of payment-method charges. Developers can use the API reference and sandbox for a fuller integration. For payouts, Paket 1 covers successful BI Fast transfers from Rp10.000 to Rp250.000.000, while Paket 3 is for transfers of Rp250.000.000 or more. The listed payout country count is one, so businesses paying recipients across multiple countries should look elsewhere.

DOKU also offers bank-account validation for 118+ banks and e-wallets. At 500 IDR request, it is a usage-based option rather than a recurring subscription.

Pricing

DOKU says its services have no setup or monthly fees, and payment fees apply only to successful transactions. Prices exclude VAT. The free tools therefore lower the cost of getting started, but they do not make payment processing free.

DOKU Plugin: free, plus payment-method fees and a 0,2% platform fee. It fits stores on Shopify, WooCommerce, or Magento, but the extra platform charge makes it less attractive when minimizing percentage-based costs is the priority.

Payment Link: free, with transaction fees depending on payment method. Links can be created from the web dashboard, mobile app, or WhatsApp bot. This is the leanest fit for sellers sharing checkout directly with customers.

Digital Catalog: free, with transaction fees depending on payment method. It suits sellers who need a catalog with stock and product variations, rather than links alone.

Bank Account Validation: 500 IDR, paid once, billed per successful request. There is no upfront deposit; payment is per invoice.

Domestic Payouts Paket 1: 1,500 IDR, paid once, billed per successful transfer through BI Fast, 24/7, for Rp10.000–Rp250.000.000. The channel and transfer range make it a defined domestic option, not a general-purpose international payout plan.

Domestic Payouts Paket 3: 35,000 IDR, paid once, billed per successful transfer for amounts of Rp250.000.000 or more. It is aimed at large-scale transfers and costs considerably more per transfer than Paket 1.

Payment gateway: custom pricing, with no setup or monthly fee and charges only on successful transactions. Listed fees are cards 2,80% + Rp2.000, QR 0,7%, e-wallets 1,5%–4%, and bank transfers Rp4.000–Rp4.500. The wide spread means the effective cost depends heavily on customers’ preferred methods.

Payment links and the digital catalog are the most accessible starting points; the plugin suits merchants who value a ready-made store connection enough to accept its added fee. Businesses comparing gateway costs should estimate their payment mix, since the published method rates are not interchangeable.

Platforms

DOKU supports Android, iOS, and web, alongside API access and plugins. That combination accommodates dashboard-based selling, mobile workflows, and custom development. Its supported currency count is two, which may constrain businesses that need broader currency coverage.

Who it's for

DOKU is a sensible choice for businesses operating in Indonesia that want broad payment acceptance, simple order collection, or domestic payouts in one provider. Small sellers can begin with payment links or a catalog; established stores can use plugins, and developers can build against the API. It is a weaker fit for businesses whose payout needs span countries, whose currency needs exceed two, or whose pricing model depends on avoiding variable payment-method fees.

Pros and cons

Pro: More than 45 payment methods connect through one registration and checkout integration, giving merchants breadth without separate checkout flows.

Pro: Free payment links and catalog tools give smaller sellers ways to collect orders without a paid subscription.

Pro: API, sandbox, ready-made pages, and store plugins provide several integration paths for different technical needs.

Con: Payment costs vary by method, and the plugin adds a 0,2% platform fee, so a store's total cost depends on both its payment mix and integration choice.

Con: Paket 1 is limited to BI Fast transfers up to Rp250.000.000, while the listed payout country count is one.

Con: Two supported currencies may not suit merchants selling across a wider set of markets.

Alternatives

For a broader comparison, see Payment Gateways. Mollie is another paid option with a free plan and a €0-per-month pay-as-you-go plan; choose it if its stated domestic consumer card rates of 1.20% and other consumer card rates of 1.80% better fit your card mix. PayPal Invoicing is a better match when creating and sending invoices without setup or subscription fees is the priority, with transaction fees applying when customers pay.

Instamojo offers a free Quick plan with unlimited payment links and a Smart plan at ₹4,999 a year; consider it if those terms fit your link-based sales. NMI is another paid option with Android, API, iOS, Linux, web, and Windows platforms. Cashfree Payment Gateway may suit eligible new merchants seeking its campaign offer of no gateway fees on the first ₹20L of GMV, with GST still applying.

Google Pay is a free alternative for online checkout, in-store tap to pay, and its business API. Checkout.com offers free payment processing for registered charities in countries where it operates, alongside tailored pricing. Midtrans is another paid gateway with no subscription or integration fee and transaction charges on successful payments; its rates vary by payment method.

Verdict

Choose DOKU if your business needs many payment methods, practical link or catalog selling tools, and integration options under one provider. Its free entry points and broad checkout coverage are compelling, but method-dependent charges, the plugin platform fee, and narrow payout and currency reach are reasons to compare alternatives before committing.

Verdict

DOKU combines payment tools for checkout, links, catalogs, and payouts with developer integration options. Businesses should account for payment-method fees and the plugin platform fee where applicable.

Where Specifiction places it

Alternatives to DOKUAll alternatives →