Direct Debit

Direct debit is an electronic payment method by connecting customer's debit card or account number as a source of fund with one registration process so the payment can take place quickly and easily.

Direct Debit Scheme

Direct Debit payment method requires account binding or card registration before payment process can be requested and completed.

There are 2 schemes in direct debit method:

a. Tokenization Scheme

Tokenization replaces customer's sensitive payment information, such as card number or account number, to be in a form of token. Tokenization needs a token everytime payment is requested and processed, hence customer needs to input OTP and/or PIN to verify every payment.

Currently, direct debit payment channels in DOKU that support Tokenization scheme are Allo Bank, BRI, and CIMB Direct Debit.

b. Recurring Scheme

Recurring allows customer to authorize merchant to charged them repeatedly on a prearranged schedule. Customer needs to input OTP and/or PIN only for the initial authorization. The scheduled payment will be processed by merchant directly to acquirer without the need of customer to input OTP and/or PIN.

Currently, direct debit payment channel in DOKU that support Recurring scheme is BRI Direct Debit.

Payment Channels Supported

We have partnered with various direct debit payment channels.

Channels
Allo Bank Direct Debit
BRI Direct Debit
CIMB Direct Debit

Request New Direct Debit Channel?

Do you have any direct debit channels in mind that might suits your project? Send your request here!