Provider & methodBank Transfer, IBAN IssuanceListed Mar 2026doku.comWebsite
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DOKU VA

DOKU VA (Virtual Account) is an online payment solution offered by DOKU, an Indonesian payment service provider.

DOKU VA (Virtual Account) is an online payment solution offered by DOKU, an Indonesian payment service provider. It allows businesses to generate unique virtual bank account numbers for each transaction, enabling customers to make payments at any participating bank. As a PSP, DOKU VA supports secure, real-time payments, making it ideal for e-commerce businesses in Indonesia. This method provides a seamless payment experience by allowing customers to pay through their preferred banking channels, increasing payment conversion rates for merchants.

1

payment methods

DOKU VA
1

markets

IndonesiaID
1

currencies

IDR
5

sectors served

CosmeticseCommerceFood & DrinkHealthcareSaaS
1

built on

APAPI
2

providers who accept it

AdyenOrca

What DOKU VA costs

DOKU VA quotes per merchant. What you are offered depends on your volume, your industry, the countries you sell in, your card mix and your risk profile — so a published headline rate would not be your rate. Ask them for a quote against your own numbers.

What the last check found

DOKU VA is the virtual-account leg of DOKU, Indonesia's long-established gateway, run by PT Nusa Satu Inti Artha (Jakarta) under a Bank Indonesia PJP Level 1 licence covering payment gateway, remittance, e-money, e-wallet and QRIS. The shopper receives a virtual account number at a named Indonesian bank and pushes an IDR transfer from ATM, internet or mobile banking. Nothing is pulled from the account, which is why no source documents an authorisation step or a chargeback path.

It is one rail across many banks, not a single-bank redirect. DOKU's own docs list VA at BCA, Mandiri, BRI, BNI, BSI, BNC, BTN, BSS, CIMB, Permata, Danamon, Maybank, BPD Bali, BJB, Sinarmas and DOKU itself, available to Indonesian business accounts only, with sharply different per-bank limits (BCA IDR 10,000-50m; BNI max 50m; Permata and BTN near IDR 10bn). Adyen resells a subset as six discrete types - doku_bca_va, doku_bni_va, doku_bri_va, doku_cimb_va, doku_danamon_va, doku_mandiri_va - where BCA and BRI require an Adyen local entity. Validity is 48 hours; the flow is PresentToShopper and needs firstName, lastName and shopperEmail.

For an integrator: refunds yes, partial refunds no, recurring no, chargebacks no. DOKU refunds VA payments to the customer's bank account rather than the original rail, capped at IDR 25m per disbursement, IDR 6,500 fee, up to ten business days, and requires a deposit held with DOKU. Reusable collection exists only as a separate Customer Static VA product.

Where documentation is silent: Adyen alone names DOKU VA. dLocal and EBANX sell an unbranded Indonesian "Virtual Accounts" method without naming the processor; Airwallex lists DOKU Wallet and "Indonesian Bank Transfer" as separate things. Stripe, Mollie, Antom and Worldline publish nothing. Adyen settles in USD; nobody documents payouts or 3DS.

Checked against DOKU VA’s own documentation on 20 October 2026. Coverage changes; confirm anything you are about to build on.

People at DOKU VA

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Similar to DOKU VA

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Sources · 33

  1. Payment Methods — DOKU Docs · docs.doku.commethodsUsed for Names "Virtual Account DOKU" in the Bank Transfer (Virtual Account) list of 16 VAs; carries the hint "Availability: Indonesian Business Account only"; and the note that VA DOKU "is used to facilitate interbank transfers, which means that this virtual account can be paid using other banks that are not listed above".Checked 20 October 2026
  2. Supported Payment Methods — DOKU API Reference · developers.doku.comUsed for Confirms the listing name: the label "DOKU VA" mapped to channel value VIRTUAL_ACCOUNT_DOKU, alongside the other VA channel codes. This is the identity match for slug doku-va.Checked 20 October 2026
  3. Supported Products by Region — DOKU Docs · docs.doku.comcountriesmethodsUsed for The countries evidence: "Virtual Account (Bank Transfer)" is Supported in Indonesia and Unavailable in Malaysia. Establishes that although DOKU operates in two countries, this method is ID-only.Checked 20 October 2026
  4. Indonesia Requirements and Limitations — DOKU Docs · docs.doku.comcurrencieslimits & timingUsed for VA DOKU limits of min IDR 1 / max IDR 250,000,000; "No specific requirements" (vs BCA VA needing a service agreement and BCA account); and eligibility for Personal, Corporate and International account types. Also the IDR currency of all VA limits.Checked 20 October 2026
  5. Malaysia Requirements and Limitations — DOKU Docs · docs.doku.comcountrieslimits & timingUsed for Negative evidence against a country mix-up: the Malaysian page lists no virtual account at all, and every Malaysian limit is in MYR.Checked 20 October 2026
  6. Introduction — DOKU Docs · docs.doku.comthe companyUsed for Operator identity: DOKU = PT Nusa Satu Inti Artha, founded 2007, Indonesia's first locally owned electronic payment solutions provider; Malaysian arm SimplePay Gateway Sdn. Bhd. part of DOKU Group since 2021.Checked 20 October 2026
  7. SNAP Migration — DOKU Docs · docs.doku.comlicensingUsed for DOKU is a "licensed Payment Service Provider (PJP) level 1"; Bank Indonesia's SNAP standard; and Virtual Account DOKU appearing on the mandatory SNAP migration list.Checked 20 October 2026
  8. Settlement Time — DOKU Docs · docs.doku.commethodslimits & timingUsed for The dedicated "Virtual Account / DOKU / T+2" row under the aggregator scheme, contrasted with "Virtual Account / Other Banks / T+1".Checked 20 October 2026
  9. Pricing — DOKU · doku.commethodspricingUsed for Published Bank Transfer (Virtual Account) fee of flat IDR 4,000 per transaction, BCA IDR 4,500, and that DOKU VA is not separately priced.Checked 20 October 2026
  10. Backend Integration — DOKU API Reference · developers.doku.comcurrenciesUsed for order.currency is a 3-letter ISO 4217 code with default value IDR — the currency confirmation.Checked 20 October 2026
  11. DOKU Docs llms.txt · docs.doku.comlimits & timingintegrationsUsed for The machine-readable doc index used instead of guessing paths; shows separate Indonesian and Malaysian business-account, plugin and limits pages, and that no DOKU-VA-specific product page exists.Checked 20 October 2026
  12. DOKU API Reference llms.txt · developers.doku.comintegrationsUsed for Shows Direct API SNAP integration pages for BCA, BRI, BNI, Mandiri, Permata, Danamon, CIMB, BSI, BNC, BTN, BSS, BJB and Sinarmas virtual accounts — but none for DOKU's own VA. Basis for the documentation-gap claim.Checked 20 October 2026
  13. Create Account — DOKU Docs · docs.doku.comintegrationsUsed for integrable_alone: self-serve business-account registration with email OTP, plus a sandbox account for testing, alongside Direct API, SDKs, e-commerce plugins and an MCP server.Checked 20 October 2026
  14. DOKU expands into Malaysia through the senangPay acquisition — Apis Partners · apis.pethe companyUsed for Corroborates that DOKU's Malaysian entity trades as senangPay and that DOKU is backed by Apis Partners; used only as a cross-check on the Malaysia expansion, with DOKU's own docs preferred for the date and legal entity name.Checked 20 October 2026
  15. DOKU — Payment Gateway in Indonesia (English homepage) · doku.comlicensingthe companyUsed for Primary operator identity: names PT Nusa Satu Inti Artha, Jakarta HQ address in footer, and Bank Indonesia PJP Level 1 licence — confirms the entity described is the one operating the domain.Checked 20 October 2026
  16. Doku (disambiguation) — Wikipedia · en.wikipedia.orgthe companyUsed for Name-collision check: all eleven listed meanings are people or a language; no second payments/fintech company called Doku exists to confuse this listing with.Checked 20 October 2026
  17. doku.com sitemap.xml · doku.compricingUsed for Confirms the site's real page inventory (id default plus /en-us and /my locales, about, blog, pricing) — used to verify cited paths exist rather than guessing URLs, and to confirm the Malaysian locale is live.Checked 20 October 2026
  18. Payment Link: Dynamic Currency Conversion (changelog, effective 7 August 2026) · docs.doku.comcurrenciesUsed for Negative evidence protecting the single-currency claim. This is the only currency-related page in DOKU's whole doc set and it names USD, SGD, MYR, JPY, AUD, RUB and RMB, so it is the one page that could wrongly inflate this row to eight currencies. It must not be used that way: DCC is a Payment Link display toggle, the page states 'DCC = Currency visibility, not currency conversion of the actual payment' (the payment is processed in the link's original currency, example in IDR), and it never mentions virtual accounts. Recorded so the IDR-only field survives future review.Checked 20 October 2026
  19. Adyen payment methods catalog · docs.adyen.comcountriescurrenciescapabilitiesintegrationsUsed for The catalog row "Virtual Accounts Indonesia (DOKU)": country Indonesia, processing currency IDR, settlement currency USD, features refunds only (no partial refunds), type Online Banking with an additional-action flow, available via Web Drop-in, Web Components and API only. Also establishes that Adyen lists "Convenience stores Indonesia (DOKU)" as a separate row, so the VA row is DOKU VA specifically and not the cash product.Checked 20 October 2026
  20. Adyen - DOKU · docs.adyen.comcurrenciesmethodslimits & timingcapabilitiesUsed for Confirms DOKU is Indonesia (ID), processing currency IDR, and supplies the authoritative variant list (doku_bca_va, doku_bni_va, doku_bri_va, doku_cimb_va, doku_danamon_va, doku_mandiri_va, plus doku_permata_lite_atm and the Alfamart/Indomaret cash types). States refunds supported; partial refunds, multiple partial refunds, separate/partial captures, recurring and chargebacks NOT supported. States each bank transfer uses a virtual account with an expiry returned in the payment response.Checked 20 October 2026
  21. Adyen - DOKU API only integration · docs.adyen.commethodsthe companyUsed for The 48-hour validity period (changeable via Support), that doku_bca_va and doku_bri_va are available only with an Adyen local entity, the PresentToShopper/voucher action response, and the required shopper fields firstName, lastName and shopperEmail.Checked 20 October 2026
  22. DOKU docs - Refund and Chargeback (Indonesia) · docs.doku.commethodspricingcapabilitiesUsed for That Virtual Account payments are refundable, but to the customer's bank account rather than the original rail; the IDR 25,000,000 per-disbursement cap; the IDR 6,500 bank transfer refund fee excluding VAT; the requirement to hold a deposit in the DOKU account; the 10-business-day refund window; and that DOKU's chargeback terms are framed around card issuers and acquirers rather than VA.Checked 20 October 2026
  23. DOKU homepage · doku.commethodslicensingUsed for Operator identity: DOKU is PT Nusa Satu Inti Artha, based in Jakarta, Indonesia, licensed by Bank Indonesia as a PJP Level 1 operator for Payment Gateway, Remittance, E-money, E-Wallet and QRIS.Checked 20 October 2026
  24. DOKU docs - Customer Static VA · docs.doku.comcapabilitiesUsed for That reusable/recurring-style VA collection is a separate DOKU product (Customer Static VA, a fixed VA number per customer with open or closed amount), supporting the note that repeat collection is not the same as the recurring capability Adyen marks unsupported.Checked 20 October 2026
  25. dLocal - Indonesia · docs.dlocal.commethodscapabilitiesUsed for Evidence that dLocal documents an Indonesian method called "Virtual Accounts" (code VS) in IDR with refunds supported, but never names DOKU as the processor - so dLocal cannot be cited as covering DOKU VA.Checked 20 October 2026
  26. EBANX - Indonesia country overview · docs.ebanx.comcapabilitiesUsed for Evidence that EBANX documents Indonesian "Virtual Accounts" in IDR with refunds to a bank account, but does not name DOKU; also that EBANX warns its Indonesian coverage is still expanding.Checked 20 October 2026
  27. Airwallex payment method matrix · airwallex.commethodsUsed for Evidence that Airwallex documents "DOKU Wallet" (a different DOKU product, IDR, no stated features) and a separate unbranded "Indonesian Bank Transfer" (IDR), but no DOKU virtual account - so Airwallex is not recorded as documenting DOKU VA.Checked 20 October 2026
  28. Antom payment methods · docs.antom.commethodsUsed for Negative evidence: Antom documents eight Indonesian methods (BCA online banking, QRIS, DANA, GoPay, LinkAja, OVO, ShopeePay, Kredivo) and no Indonesian virtual account or DOKU entry; its only "Virtual Account" is Korean.Checked 20 October 2026
  29. Stripe payment method support · docs.stripe.comUsed for Negative evidence: the full catalog contains zero occurrences of Indonesia, IDR or DOKU, while listing JPY, MYR, SGD and THB - confirming a genuine absence of Indonesian coverage rather than a failed lookup.Checked 20 October 2026
  30. Mollie docs llms.txt index · docs.mollie.comUsed for Negative evidence from the docs host's own page index: no page mentions DOKU, Indonesia, IDR or virtual account.Checked 20 October 2026
  31. Worldline Direct docs sitemap · docs.direct.worldline-solutions.commethodsUsed for Negative evidence from the published sitemap (a flat urlset, not an index): no URL mentions doku, indonesia or virtual-account, so Worldline publishes no DOKU method page.Checked 20 October 2026
  32. DOKU docs sitemap · docs.doku.commethodscapabilitiesUsed for Used to enumerate DOKU's real documentation pages instead of guessing paths, which is how the payment-methods, requirements-and-limitations, customer-static-va and refund-and-chargeback pages were located.Checked 20 October 2026
  33. Checkout.com docs llms.txt index · checkout.commethodsUsed for Negative evidence from the docs host's own page index: the only Indonesian entry is DANA (digital wallet); no page mentions DOKU, IDR or an Indonesian virtual account. Confirms Checkout.com does not document DOKU VA, supporting found_in = [Adyen] only. (Note: docs.checkout.com/llms.txt 301-redirects to this canonical URL.)Checked 20 October 2026

33 sources · last checked 21 October 2026 — each one says which claim it supports.

Compiled from public sources — verify with DOKU VA before you sign anything. How we compile this · Suggest a correction ·