DOKU

DOKU is a payment platform for businesses accepting customer payments, sending payouts, or supporting wallet services. It suits merchants that want a broad choice of payment methods alongside simple ways to collect orders. Its strongest case is payment breadth; method-based charges and a platform fee on plugin sales make costs worth weighing against how you sell.

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 its checkout integration lets customers change methods without cancelling a transaction. That flexibility can help businesses serve customers with different payment preferences, though it also means the final transaction fee depends on the method chosen.

DOKU supports recurring and marketplace payments. It says it uses AES 256 encryption, holds PCI DSS certification with periodic audits, and is licensed by Bank Indonesia as a PJP Level 1 provider for payment gateway, remittance, e-money, e-wallet, and QRIS services.

Key features

Collecting payments without a full store

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 suit sellers who need a lightweight way to present products and take orders; a business that needs a more extensive storefront may prefer a dedicated commerce platform.

Checkout, integrations, and developer access

DOKU offers a ready-made payment page as well as full integrations, with an API reference and sandbox for developers. Its plugin supports Magento, WooCommerce, and Shopify. The plugin can connect existing stores to DOKU, but its additional 0,2% platform fee sits on top of payment-method charges, so merchants should include it in their margin calculations.

Payouts and account checks

Businesses can validate account numbers and owner names across 118+ banks and e-wallets for Rp500.00 per successful request. Domestic payout options include BI Fast transfers for Rp1.500 per successful transfer within the Rp10.000–Rp250.000.000 range, and a Rp35.000 package for transfers of Rp250.000.000++. The low-cost BI Fast option has a defined transfer ceiling and channel, while the large-transaction package costs more per transfer.

Pricing

DOKU says it has no setup or monthly fees across its services and charges payment fees only on successful transactions. Prices exclude VAT. Its payment gateway has custom pricing overall, with method-specific rates: cards cost 2,80% + Rp2.000, QR costs 0,7%, e-wallets cost 1,5%–4%, and bank transfers cost Rp4.000–Rp4.500. Merchants should compare these rates with their customers’ likely payment mix rather than treating the gateway as a single-rate service.

• DOKU Plugin: free, billed as payment-method fees plus a 0,2% platform fee. It suits businesses using Shopify, WooCommerce, or Magento, but the extra percentage makes it less attractive when keeping transaction costs low is the priority.
• Payment Link: free, billed free; transaction fees depend on payment method. Links can be created from the dashboard, mobile app, or WhatsApp bot. This is a practical fit for sellers collecting payment through shared links rather than a store checkout.
• Digital Catalog: free, billed free; transaction fees depend on payment method. Its stock and product-variation features suit sellers who want a simple online catalog with ordering rather than only an invoice or link.
• 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; Rp10.000–Rp250.000.000, 24/7, BI Fast channel only.
• Domestic Payouts Paket 3: 35,000 IDR, paid once, billed per successful transfer for transfer amounts of Rp250.000.000++.

The free link and catalog options remove a subscription charge, not transaction fees. The same distinction matters for payout and validation tools: charges apply per successful transfer or request.

Platforms

DOKU supports Android, iOS, web, and API access. Its plugin integrations cover Magento, WooCommerce, and Shopify. The combination of mobile tools and developer access accommodates both small sellers handling orders from an app and businesses integrating payments into a store or custom flow.

Who it's for

DOKU is a strong fit for businesses that want many payment methods through one integration, need shareable payment links or a digital catalog, or make domestic payouts. Its payment-link and catalog plans suit smaller sellers who want to start without a subscription, while plugin support and API access can serve businesses with established stores or custom integrations. Businesses with high volumes of plugin transactions should account for the 0,2% platform fee; those whose priority is a single predictable gateway rate may find method-specific pricing harder to budget.

Pros and cons

• Pros: One registration connects businesses to more than 45 payment methods, giving merchants a broad set of ways to collect payment.
• Pros: Free payment links and a digital catalog give sellers ways to take orders without a subscription fee.
• Pros: Ready-made pages, plugins, and API access give businesses several routes to integration.
• Cons: Payment fees vary by method, so transaction costs depend on customer choice and sales mix.
• Cons: The plugin adds a 0,2% platform fee on top of payment-method fees.
• Cons: The Rp1.500 BI Fast payout package is limited to transfers up to Rp250.000.000 and that channel.

Alternatives

For a broader view of this category, browse Payment Gateways. Choose Google Pay instead when a free online checkout or in-store tap-to-pay option is the priority; it also offers a Google Pay API for businesses. Instamojo is worth considering for merchants who want unlimited payment links on its free Quick plan or link expiry on its annual Smart plan.

Mollie may suit businesses seeking pay-as-you-go pricing with no contract or commitment and published domestic consumer card rates. Choose PayPal Invoicing when creating and sending invoices without setup or subscription fees is the main need, with transaction fees applying when customers pay. Cashfree Payment Gateway is an alternative for eligible new merchants who qualify for its offer of no gateway fees on the first ₹20L of GMV, with GST still applying.

Checkout.com is another option, including free processing for registered charities in countries where it operates. Midtrans offers a pay-per-successful-transaction model without subscription or integration fees. NOWPayments is another payment-processing option.

Verdict

Choose DOKU if your business needs broad payment acceptance, shareable payment links or a digital catalog, and domestic payout options under one provider. The mix of free-to-use sales tools, integration choices, and more than 45 payment methods is compelling for varied merchant needs. Look elsewhere if the plugin’s extra 0,2% platform charge or method-dependent payment fees would make your transaction costs difficult to manage.