FAQ
Kategori
Common
Duitku Payment Gateway facilitates your business so that your customers can make payments automatically and directly on your website or apps.
As a Payment System Service Provider company, Duitku serves payments via credit cards, interbank transfers, internet banking, e-wallet, and retail outlets directly to your online store with competitive service fees.
Once you are registered on the Duitku website, you will be granted access to your Duitku dashboard where you will be directed to your test account (sandbox).
- Confirm your email address and phone number. To carry out banking transactions, it is very important that we have your correct and accurate detailed information so that we can quickly verify your Duitku account.
- Sandbox (test mode) allows you to try using Duitku without requiring real money. You can integrate your site or apps using the checkout feature in the sandbox and use API key testing in your project to make sure everything is working properly. Get API key (merchant key) from dashboard > My Project > Add Project
- Live Production mode (merchant account) can be accessed after your identity data and website can be verified by the Duitku team. Once your account is active, you can create a new project in production mode, and activate the API key (merchant key) obtained from the sandbox mode to start receiving actual payments.
The legal documents required will differ according to the type of legality of your business. For personal merchants, you will be asked to include your national ID, tax identification number (NPWP) and your bank account number. For personal merchants, the ID, NPWP, and Bank Accounts must be under the same name, while for corporate merchants, you will be asked to include a more thorough legality documents.
For details of the documents that must be included, please see https://docs.duitku.com/account/#aktivasi-akun
- If you are a student, you can use a student ID card
- For housewives, you can use your husband’s NPWP and attach your family member certificate
- If all the family member do not have any NPWP, the NPWP registration can be done online at the following link: https://ereg.pajak.go.id/login
Registration will take + 30 minutes. You can include proof/screenshot of the NPWP registration when you register to Duitku.
( tutorial: https://www.pajak.go.id/id/tutorial-pendaftaran-npwp-orang-pribadi-secara-online )
Besides the differences in the required documents, the registration process for a company requires the signing of the agreement which will be sent by the Duitku team.
For a complete guideline to the required documents, see https://docs.duitku.com/account#aktivasi-akun
Foundation registration is the same as the registration procedure for a company, and it will include the foundation deed certificate. The registration process for a foundation requires the signing of the agreement which will be sent by the Duitku team.
All merchants can download the latest legality documents on the OSS portal
Merchants can submit the request via email to [email protected].
Our verification team will carry out the process by calling the phone number you registered. An account verification and activation will be carried out no later than 3 x 24 hours. Please make sure the phone number you registered is active and please pick up the phone when our leverage verification calls you.
You can create a testing account on the Duitku website, but the Duitku account verification process still requires merchants to have an accessible website.
- Having an official information regarding the company (example: the products are clear and in accordance with the business license)
- Having contact info (example: phone number, address and email) that are active and available.
- Receiving payments in or can be converted into Rupiah exchange rates.
Merchants can add users according to the role assigned to the “User Team” feature on the merchant dashboard
To login as a User Team, which functions to separate access rights depending on the function of each team member among the others: Admin, Finance, Technical and Monitor/Analyst.
No, Duitku payment gateway is not an online lending platform
Currently Duitku does not offer personal nor productive loans for businesses.
PT Kharisma Chakra Mandala is a payment gateway company and we are not an online lending platform. We can only help to confirm the status of your transaction and provide the source of the funds you are receiving.
You can email us on [email protected] with the transaction receipt attached to the email and inform us of the destination bank account. We will check the status of your transaction and if it is successful, we will escalate this to be processed by the related team.
How to Use
We can service the majority of business types, but there are some exceptions. We do not accept service in contexts that meet the following criteria:
- Sites with ‘XXX’ content
- Gambling site
- Arms dealer
- Drugs and all their equipment
- Other illegal or prohibited products or services
- High-risk telemarketing companies (horoscopes, predictions or forecasts, etc.)
- Replica
Please visit the Price List page for the available payment methods and the transaction fees for each payment method.
To meet regulatory requirements by Bank Indonesia, Duitku can only process transactions using Rupiah (IDR). You need to convert your currency value to Rupiah if you use another currency to transact using Duitku.
We advise you NOT to use decimal format for transactions. This aims to avoid pending transactions from the bank.
For the withdrawal process, you can open the Withdraw menu on the dashboard then select the Withdraw or Instant Withdraw sub menu. Please enter the nominal and select the account number you want to withdraw, then press the request withdraw button. Withdrawal can only be made to withdraw funds to a previously registered account number.
Each transaction has a different settlement time according to the payment method used. Incoming money will be recorded in real time on the dashboard, but you have to wait for the settlement time before you can make a withdrawal process.
You can see the details regarding settlement time at https://docs.duitku.com/dashboard-feature/withdraw/
To add a registered bank account, you can send an email to [email protected] with a photo or screenshot of your bank account attached to the email. Your new bank account will be added as the destination account in the drop down menu within 1×24 hours (on weekdays).
You can view your API Key through your dashboard, under the menu ‘My Project’. Click on the button ‘edit project’ at the right side of the intended project. To further protect your account, API key can be accessed after you input your Duitku account’s password.
Instant Withdraw: the money will be sent in real time, maximum nominal: IDR 25,000,000 – IDR 50,000,000 depending on the limit of the destination bank. The fee is IDR 5,000 per transaction.
Withdraw: the money will be sent a maximum of 1×24 hours on weekdays with the maximum of IDR 5,000,000,000/withdrawal. There is no interbank transfer fee.
Because there is a difference in settlement time where the money that has been received is in your balance but cannot be withdrawn because it is still in the settlement period.
You can see the details regarding settlement time at https://docs.duitku.com/dashboard-feature/withdraw/
No, the payment status will be updated automatically by our system and there is no need to reconfirm.
Currently, Duitku does not provide a transaction refund service. The entire refund process will be handled by the merchant.
Please contact us immediately via live chat, email to [email protected] or you can call us at 021-5303977 / 021-53652738 and our staff will immediately assist you.
Login to your Duitku account and the Report menu can be found in the left menu list. Enter the filter of the report you want to see.
More details about the report feature on the Duitku dashboard at https://docs.duitku.com/dashboard-feature/report/
Integrating online payments with Duitku is very easy. You can integrate web and mobile apps using our API, or use plugins for websites based on the CMS (content management system) platform.
Check out more details about the integration guide at https://docs.duitku.com/payment-gateway/overview/
Duitku provides plugins for the following e-commerce platforms:
- JoomShopping
- Magento
- Prestashop
- Woo Commerce
- OpenCart
- VirtueMart
- WHMCS
- Berdu
- Mixradius
If you’re having trouble integrating with Duitku, don’t hesitate to contact us via live chat, phone or email. Our staff will assist you within 24 hours.
The minimum amount per transaction is IDR 10,000 (ten thousand rupiah) and a different maximum amount for each payment channel.
If you requested to activate your project, it will take 1 – 3 working days (not including holiday or weekend) to activate the project requested.
Security
Please stay alert of scams that mention Duitku if you are asked to make a transfer to a personal bank account. Interbank transfer payments through Duitku will ask the user to make a transfer to a Virtual Account number.
See also : the difference between transfer to a bank account and a virtual account
For transactions using a credit card, Duitku also uses the 3DS.
3-D Secure (3 Domain Secure), also known as payment authentication, is a security protocol to prevent fraud in online credit and debit transactions, by requiring credit card users to verify address and phone number for each payment transaction.
Duitku also provides FDS (Fraud Detection System) to prevent fraudulent transactions. Our system uses the latest technology to study past transaction information and use it to filter new transaction requests.
SSL and HTTPS
We use HTTPS certification on all of our sites. Moreover, we regularly update our security certificates and encryption algorithms. As a Duitku merchant, you don’t need to have HTTPS certification on your site. However, we recommend you to use it.
In addition, for the processing system, we follow the PCI-DSS security standard (the highest security standard for processing credit card transactions), which is updated every year. Check out our license at the bottom/footer of the website.
E-Wallet
E-wallet or digital wallet is a balance that can be used as an integrated means of payment. In general, E-Wallet is a system developed or created to make it easier for every user to make transactions.
Currently, Duitku can accept payments via OVO e-wallet, ShopeePay, Dana and LinkAja.
After a merchant registration form is verified, and the merchant creates a project in production mode, the Duitku team will immediately register the merchant project for the QRIS and E-wallet payment channel.
Merchants must first create a project before they can open an e-wallet payment channel.
For the second project and so on, a merchant needs to submit a submission form and after submitting the form, it will take 7 – 14 working days (not including holidays or weekends) to activate the payment channel requested.
After a merchant registration form is verified, and the merchant creates a project on production mode, the Duitku team will immediately register the merchant project for the OVO payment channel.
Merchants must first create a project before they can open the OVO payment channel.
After the OVO merchant payment account is verified, you can immediately set up the activation of the OVO payment method via the dashboard > ‘My project’ > the ‘Payment Method’ button.
OVO payment channel integration can be done via plugins, or via the integration code ‘OVO’. You can see the complete API integration guide here
There are 2 types of OVO payment channel fees based on the types of product that the merchant sells. OVO standard fees will be applied for any tangible/physical product (e.g., clothing, food, furniture, car rental, etc.). Meanwhile, for any intangible/digital product (e.g., online class, voucher, utility bill, phone bill, etc.), OVO (digital) fees will be applied.
When a bill is sent, Duitku will send a push notification to the customer’s OVO app. On the payment page, OVO will give the customer a choice if the customer wants to use OVO points. The money received on the merchant dashboard balance will be the same with the nominal amount of the bill.
To test OVO e-wallet payment in the sandbox mode, you can contact the Duitku team via email [email protected] or via live chat to submit a testing request. Duitku will arrange a testing schedule with the merchant.
After a merchant registration form is verified, and the merchant creates a project on production mode, the Duitku team will immediately register a merchant account for the ShopeePay payment channel.
After the ShopeePay merchant payment account is verified, you can immediately set up the activation of the ShopeePay payment method via the dashboard > ‘My Project’ > the ‘Payment Method’ button
ShopeePay payment channel integration can be done via plugins, or via the integration code ‘SA’. You can see the complete API integration guide here
There are 2 types of ShopeePay payment channel fees based on the types of product that the merchant sells. ShopeePay standard fees will be applied for any tangible/physical product (e.g., clothing, food, furniture, car rental, etc.). Meanwhile, for any intangible/digital product (e.g., online class, voucher, utility bill, phone bill, etc.), ShopeePay (digital) fees will be applied.
When a bill is made, Duitku will open the ShopeePay customer app to complete the bill. On the payment page, ShopeePay will give the customer a choice if the customer wants to use their Shopee Coin. The money received on the merchant dashboard balance will be the same with the nominal amount of the bill.
Information about the promo will be directly informed by the e-wallet provider. Merchants will immediately receive money in full on the dashboard (except in co-funding promos)
To test ShopeePay e-wallet payments in sandbox mode, you can download and use the following apps to perform payment simulations.
https://drive.google.com/drive/u/3/folders/1A3ccngXOemRZCXGk1cvfm82ybfpn6vhb
After a merchant registration form is verified, and the merchant creates a project on production mode, Merchants can contact [email protected] to open access to Dana payment channel.
Merchants must first create a project before they can open the Dana payment channel.
After the Dana merchant payment account is verified, you can immediately set up the activation of the Dana payment method via the dashboard > ‘My Projects’ > the ‘Payment Method’ button
Dana payment channel integration can be done via plugins, or via the integration code ‘DA’. You can see the complete API integration guide here
After a merchant registration form is verified, and the merchant creates a project on production mode, the Duitku team will immediately register a merchant account for the LinkAja payment channel.
After the LinkAja merchant payment account is verified, you can immediately set up the activation of the LinkAja payment method via the dashboard > ‘My project’
> ‘Payment Method’ button
LinkAja payment channel integration can be done via plugins, or via the integration code ‘LA’. You can see the complete API integration guide here
Each account can only register 1 project using the OVO and Dana payment channel.
However, for other e-wallet payment channel or QRIS, merchants can open the following payment methods for more than one project in the same account.
The nominal limit of transactions that can be paid will be adjusted to the payment limit of the e-money account owned by the user/customer. Where if the user has a premium account, the user can pay a nominal up to IDR 10-20 million and if the user only has a basic account, the user will only be able to pay a nominal up to IDR 2 million.
The settlement time for E-wallet transactions is D+2 transactions.
Customers will receive notifications from the e-wallet used, but they will be asked to top up first before completing the payment. If the customer does not complete the payment within the specified time, the transaction will be considered unsuccessful.
You can contact our customer service via live chat or send an email to [email protected] with a screenshot of the transaction receipt. Our team will immediately check the transactions.
For now, the refund process has to be carried out by the Merchant. If the money has entered into your dashboard, you can send the money back manually or through the Duitku disbursement feature (prices and conditions apply).
All transactions will be recorded on the dashboard, on the “Merchant Project Report” menu. You can filter transactions by payment method (3rd column, all PG), to see transactions paid via e-wallet.
QRIS
After a merchant registration form is verified, and the merchant creates a project in production mode, the Duitku team will immediately register a merchant account for the QRIS payment channel.
After the QRIS merchant payment account is verified, you can immediately set up the activation of the QRIS payment method via the dashboard > ‘My project’ > the ‘Payment Method’ button.
For the second project and so on, the merchant needs to submit a submission form and after submitting the form, it will take 7 – 14 working days (not including holidays or weekends) to activate the payment channel requested.
For offline QRIS, the customer makes a transaction by scanning the QR listed at the merchant’s retail outlet, and entering the nominal according to the total price at the cashier. Usually the customer will show the payment receipt screen to the cashier to confirm the payment.
As for online QRIS, merchants display a different QRIS for each transaction, which contains transaction nominal information and other payment details. These payment details allow the system to perform automatic checks, so merchants will immediately get the notification after the bill is paid without having to do a manual check.
QRIS online is suitable for merchants who have online business where the checkout process is carried out independently by the customer.
The following is the more comprehensive information about how to receive QRIS
No, you just need to open an account at duitku.com.
QRIS can be paid through well-known e-wallet apps in Indonesia such as OVO, Gopay, ShopeePay, Dana, LinkAja, and via internet / m-banking that have QR code payment service, such as BCA (m-BCA), Mandiri (living by Mandiri) , CIMB Niaga (Octo Click), BRI, BNI, Mega, Permata, Nobu, UOB, Danamon, Maybank, Sinarmas, BJB, and many others.
The settlement time for QRIS transactions is D+2 transactions.
To test QRIS payments on sandbox mode, you can download and use the following apps to perform payment simulations. If the QRIS payment channel is not yet available in the sandbox payment option, you can email an opening request to [email protected].
https://drive.google.com/drive/u/3/folders/1A3ccngXOemRZCXGk1cvfm82ybfpn6vhb
Virtual Account
Virtual account (VA) is a payment method with a virtual bank account or temporary account. Virtual account contains an ID number created by a bank to process a related payment transaction.
Bank transfer is made to certain individual/company destination accounts. The amount will be determined by the sender and usually the sender will confirm each time after completing the transfer.
Virtual accounts are usually created for payment confirmation automation. Where usually the company will create a virtual account to make related payment transactions. This virtual account can also contain information on the nominal balance that must be paid, thereby reducing payment errors (human error) by the customer. This account allows the system to check automatically every time there is incoming payment, so that the transaction status can be updated in real time
For a list of banks that have collaborated with Duitku to provide virtual account payment channel, see here
The name listed on the merchant’s ATM/Mobile Banking/Internet Banking bill can be set during integration process via the ‘customerVaName’ parameter
If the merchant does not set this parameter, the name listed will directly be the name of the store in the merchant project.
For now, BCA virtual accounts can only be opened by merchants with company business legality. Merchants who want to open a VA BCA payment channel will be asked to present a BCA account in the same name of the merchant’s company. Please note that this bank account does not have to be your settlement account.
For individual merchants who want to open payments through BCA bank, you can use payment via QRIS. QRIS can be paid by customers through BCA m-banking and various other banking apps.
There are 2 types of virtual accounts that can be selected in using a virtual account, namely, fixed and dynamic virtual account numbers.
For fixed VA number, the merchant will provide a separate number associated with each member. Merchants can choose to use the closed amount or open amount nominal.
For dynamic VA number, the transaction number will always change every time a customer checks out, because this virtual account will be associated with the transaction.
Fixed virtual accounts can only be used by merchants registered as a company. To use this feature, merchants can directly contact the Duitku team or send an email to [email protected].
The Duitku team will provide a virtual account prefix (5-6 numbers at the beginning of VA).
The integration for fixed VA will be different from dynamic VA, whether on sandbox or production mode. The merchant and the Duitku team will set a testing schedule before the VA can run live.
Yes, in this case, you can use a fixed virtual account. Fixed virtual accounts can only be used by merchants registered as a company. To use this feature, merchants can directly contact the Duitku team or send an email to [email protected].
Duitku will issue 5-6 numbers at the beginning of the fixed virtual account. Merchant can check the merchant’s internal system to see a list of all fixed virtual accounts that have been issued.
For closed amount VA, the transaction amount will be displayed immediately when the customer pays the virtual account bill.
For open amount VA, the customer enters the nominal they want to pay. Usually the open amount system is used for top up transactions.
Open amount VA can only be used for fixed VA number to reduce transaction errors.
Yes, you can use a virtual account with an open amount. For open amount VA, the customer enters the nominal they want to pay. Usually the open amount system is used for top up transactions.
Open amount VA can only be used for a fixed virtual account number (can only be used by merchants with corporate legality) to reduce transaction errors.
For dynamic virtual accounts, the nominal will be directly displayed on the billing screen.
In some situations, where the merchant enters the amount to be paid (e.g. in the case of interbank transfers), the transaction will be rejected if the amount paid is different.
If the transaction is successful but with a wrong nominal, Duitku recommends refunding the transaction.
The maximum payment limit will depend on the limit set by the bank used by the customer. While the minimum limit is the transfer limit determined by the bank, usually around IDR 10,000.
The Duitku system can accept virtual account payments up to more than IDR 1,000,000,000.
Yes, your customer can make virtual account payments from different banks. However, the customer will be charged an interbank transfer fee. In this case, the virtual account functions to automate transaction checking.
Yes, as long as the customer has access to their payment bank account.
For now, recurring payment is not available in Duitku. However, you can set the system on your website to send notifications to re-pay your virtual account every month/determined period of time.
For a list of banks that have collaborated with Duitku to provide virtual account payment, see here
No, you can directly register at Duitku to open access to various virtual bank account lines in Indonesia. The money will be collected directly in your Duitku dashboard. Check the list of banks that have been integrated with Duitku here
In sandbox mode, you can test virtual account payment via this page
The expiry period on the virtual account is the period of validity of the virtual account that has been created. Usually each dynamic VA number will have a maximum validity period of 24 hours. You can also set this time period via the ‘Expiry Period’ (int) parameter when during the API integration, or set the period you want in the plugins configuration section (only for the latest version of plugins).
For dynamic VA: Merchant can change VA status to ‘expired’
For fixed VA: Merchant can change VA status to ‘inactive’
You can contact our customer service via live chat or send an email to [email protected] with a screenshot of the transaction receipt. Our team will immediately check the transactions.
PayLater
Indodana PayLater is a digital credit service that can be used to buy goods or service on credit at various merchants who have collaborated with Indodana. Customers are required to have an account at Indodana to use this payment channel.
The Indodana Paylater payment channel can be opened for individual merchants and corporate merchants. To open this payment channel, you can submit a request to [email protected]. The approval process will be processed by Indodana.
Merchants who can open Indodana payment channels are merchants with products in the form of physical goods (not in the form of digital products such as balance, credit, etc.).
No, the payment through Indodana Paylater will be collected in the Merchant dashboard along with the money from other payment methods.
Customers will be directed to a new page to log in to their Indodana account. To test payments with Indodana, merchants will arrange a user acceptance testing (UAT) schedule with the Indodana team.
1% of the total nominal amount of the transaction.
Settlement time for Indodana is D+2.
You can integrate the Indodana Paylater payment method via API and plugins. Check the Duitku integration page to see the list of available plugins.
In sandbox mode, you can test Indodana Paylater payment with the following testing account
Phone number : 081282325566
Pin : 000000
Retail Outlets
With Duitku, you can open retail payment channels through Alfamart, Pos Indonesia, Pegadaian, and Indomaret*.
*Indomaret payment channel can only be opened for merchants with corporate status
Alfamart, Pos Indonesia and Pegadaian payment channels can be opened and will be activated immediately after your Duitku account is verified.
For now, Indomaret payment channels can only be opened by merchants with company business legality. Merchants who want to open the Indomaret retail payment channel can send a request to email [email protected] to get an Indomaret MID (Merchant ID). The approval process is entirely done by Indomaret. The merchant application process will take 1-2 months.
After the application is received, the merchant will arrange a user acceptance testing (UAT) schedule with the Indomaret team.
For payments via Pos Indonesia, Alfamart, and Pegadaian, a minimum of IDR 10,000 and a maximum of IDR 2,500,000
No, the retail outlet payment numbers will be generated randomly.
For payments through Alfamart, Pos Indonesia and Pegadaian outlets, the bill will be included in the Telkom Payment category on behalf of Duitku.
For payments through Indomaret outlets, the name on the bill that is printed is the name of the Merchant.
Yes, you can submit a name change request via email [email protected]. The name change process will take 1-2 months.
The Duitku system will notify the Merchant. Notifications to customers will be carried out by the Merchant.
In Sandbox mode, you can test retail outlet payments via this page
Credit Card
There are 2 types of services for accepting credit card payment, namely aggregator and facilitators systems. Here’s the difference.
| Aggregator | Facilitator |
|---|---|
| Not directly connected to a bank | Must have a holding account at the acquiring bank (the bank that process the credit card transaction) |
| The money will be collected in the dashboard along with other payment channels | The money will go directly to the merchant’s settlement account at the acquiring bank |
| Settlement time on D+4 | Settlement time on D+1 |
| No re-registration to third parties | Duitku will submit a merchant application to the processing bank. The approval process is entirely carried out by the bank |
| Can only accept domestic cards | Can accept overseas cards |
As an aggregator, Duitku can accept credit cards with the Visa, Mastercard and JCB logo
As a Facilitator, Duitku can accept credit cards with the Visa, Mastercard, JCB and American Express logo.
In accordance with Bank Indonesia regulations, Duitku only accepts payments in IDR / Rupiah. All products with foreign currency must be converted to rupiah. In this case, the merchant can perform a price conversion before making the final bill.
In accordance with Bank Indonesia regulations, Duitku only accepts payments in IDR / Rupiah. All products with foreign currency must be converted to rupiah. In this case, the merchant can perform a price conversion before making the final bill.
Merchants will receive payments in rupiah. Customers will be billed according to the conversion rate policy of the credit card bank they use.
No, CVV is mandatory.
No, the customer must enter the number and the credit card’s CVV for every transaction.
3D Secure is a security standard set by Bank Indonesia for credit card transactions where customers must enter the OTP number sent to the credit card holder’s registered phone number.
No. This process is mandatory to ensure the security of your transactions.
The OTP expiration time will be set by the credit card provider bank. Usually, the expiration time of the OTP is 5 minutes.
No. The customer will be taken directly to the page provided by the credit card holder’s bank.
The name of the merchant will depend on the type of credit card service used.
If you use a facilitator model, then the name displayed on the customer’s bill is the name of the company / Merchant brand.
Chargeback is the detention of money by the bank due to a dispute when there is a card transaction. More details about the chargeback can be seen on this page
Yes, there is, if you open a facilitator payment channel. The cut off time will be different for each bank.
BCA : 9 PM
CIMB : 5 PM AT 8 PM
BRI : 9 PM
Example: the money from a transaction with BCA as the processing bank on 01/01 at 10 PM will be received on 03/01.
Settlement time for credit card payment channel will depend on the type of the line opened.
Facilitator : D+1 following the cut off time
Aggregator : D+4
There are 2 types of services for accepting credit card payment, namely aggregator and facilitators systems. Here’s the difference.
| Void | Refund |
|---|---|
| The transaction is canceled within 24 hours after the transaction occurs | Transactions are canceled within more than 24 hours after the transaction occurs |
| The money will be immediately returned to the user’s credit card limit | The money will be returned to the user’s credit card within 14 business days |
No, Duitku will only deduct service fee from successful transactions (excluding voids and refunds).
The failed status can occur if the card is rejected. The reasons for card refusal include OTP errors, insufficient card limits, and others.
Details of the reasons for rejection can be seen on the merchant dashboard, in the transaction report details section.
For facilitator credit card transactions, the refund process can be done through the Duitku dashboard, in the ‘Facilitator Report’ menu section.
Click on the credit card transaction you want to refund. The refund button will appear 24 hours after the cut-off time of the transaction. Before 24 hours, the transaction will be considered void.
For aggregator credit card transactions, the refund process can be done by submitting a refund request to [email protected] or via live chat on the merchant dashboard.
For the refund process, funds will usually be returned to the customer’s credit card limit within 14 business days.
Refund requests for transactions without 3D Secure authentication can only be made within 3 days after the transaction occurs.
On Sandbox mode, you can test credit card payment by entering the following card number:
Visa: 4000 0000 0000 0044 / Valid through : 03/33 / CVV : 123
Mastercard : 5500 0000 0000 0004 / Valid through : 03/33 / CVV : 123
More details on the API Docs page
Duitku can accept payments via debit cards as long as the card has the Mastercard/JCB/Visa logo. This payment channel will be immediately usable after the merchant account is verified, and is included in the credit card payment channel.
For credit card payment channel, the CIMB facilitator cannot accept BCA debit cards.
Merchant Bank Account
The verification team will contact the registered phone number within a maximum of 3 business days after registration and the legal process takes between 1 to 2 business weeks.
Some of the reasons the account verification process is not approved:
- Merchants cannot be contacted via the registered phone number.
- Merchant does not submit documents that are mandatory requirements.
- Merchant’s site or apps is not active or the content doesn’t meet the requirements or it’s not live.
For adding or changing a bank account, please send a request to email [email protected] using your registered email by attaching the old and new account numbers. Please ensure that the name of the account holder should be the same with the name of the registered company/individual.
All money received on the merchant’s website will be updated in real time on the dashboard balance. However, this balance cannot be directly withdrawn to the merchant’s bank account. It will take some time before these money can be withdrawn. This waiting time is called settlement time.
Each payment channel has a different settlement time. The settlement time for each payment channel can be seen on this page
Disbursement
Disbursement is one of Duitku’s features for automatically sending money to bank accounts and e-wallet, or sending money in cash through retail outlets in Indonesia.
To use disbursement services, merchants are required to register as company merchant and approved by Duitku. Approval will be done by verifying and examining the company’s product / business model.
By contacting the Duitku team via telephone, email or a Duitku sales representative and submitting a request to use the Disbursement feature. The disbursement API key (merchant key) will be sent via email by the Duitku team.
For now, only merchants with corporate legal status can use this disbursement feature.
Yes, the money received on the website (either 1 website or more) and the money sent from your website will be collected into one on your Duitku Dashboard.
If you want to separate incoming and outgoing money or separate them based on the source of your website, you can create a separate account at Duitku.
The limits and settlement time for each disbursement service line can be seen on this page.
By making a transfer to our holding account which will be informed by our operational team after your account is active and granted access to disbursement product.
witching on behalf of a Merchant Company registered at Duitku, for example: PT Kharisma Catur Mandala/[Customer Name]. Merchant can set the displayed name through the ‘SenderName’ parameter and by contacting our team beforehand.
In order to use the Disbursement feature via Duitku dashboard, you must activate Two Factor Authentication feature or use Google Authenticator on the login page. This setting is required for user with main account or Administrator, Finance and Approval Disbursement role. If not, you cannot use the disbursement feature via Duitku dashboard.
To activate your 2FA from your dashboard: Login to your Duitku Dashboard (https://dashboard.duitku.com/). You can go to My Profile menu and choose Google Authenticator.
For Disbursement via API You can inform your IP from the system or server used by your company to be whitelisted from Duitku side. You can send the IP along with the form for IP Whitelist to our email at [email protected].
