DOKU vs Google Pay

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.

Google Pay lets customers pay online or in apps using payment methods saved to their Google Account. On Chrome and Android, Autofill can enter saved card details at checkout, while the Buy with Google Pay button lets shoppers choose a payment method and shipping address. Android users can tap at store card readers and transit gates or stations, using saved cards, tickets, and other items. Google Wallet can hold credit, debit, loyalty, and travel cards for Google Pay use. Eligible cards may use virtual card numbers to conceal actual card details from merchants during online purchases. At checkout, users may also choose providers such as Affirm, Klarna, or Zip, subject to eligibility. Businesses can add Google Pay API checkout to an app or website, and Google says it charges no additional fee to accept Google Pay, though payment provider processing fees still apply. Google describes payment data as end-to-end encrypted and says it will not sell personal information or transaction history. Google Pay is free, but feature availability depends on region and device; contactless payments require an Android phone with NFC.