Kartu Kredit Indonesia Cepat Secure(KKI CPTS)

Kartu Kredit Indonesia (KKI)

Kartu Kredit Indonesia is a new payment method initiated by Bank Indonesia & Asosiasi Sistem Pembayaran Indonesia(ASPI), instead of the usual credit card scheme transaction which uses PAN, Expiry Date, CVV, it instead requires CPAN (Customer PAN), and OTT(One Time Token) and Confirmation on Issuer's App so payment request can be security authenticated and authorized.

Issuers Channels Supported

DOKU Is one of the first-mover Acquirer partnered with BI & ASPI with multiple issuers(Banks) to enable merchant to perform payment using KKI Channel

Supported Issuers
BRI
Mandiri
BPD Bali
BJB
DKI Jakarta

With many more coming soon and will be automatically supported when available.

Integration Option

You can integrate credit card in two ways based on the PCI DSS compliance:

• Non-PCI DSS certified merchant is allowed to integrate using our Checkout Page, where we will process customer's card information securely for you

• If you are PCI DSS certified, you can integrate through H2H (Host to Host) API

What is PCI DSS?

The Payment Card Industry Data Security Standard (PCI DSS) is an information security standard for organizations that handle branded credit cards from the major card schemes. The PCI Standard is mandated by the card brands but administered by the Payment Card Industry Security Standards Council.

Payment Type

Payment Type	Description
Single Time Payment	A single transaction where the payment is processed only once using One Time Token(OTT) Generated by Issuer
Payment with Binding	In a single transaction where the payment is processed only once using a time Token(OTT) Generated by the Issuer, the CPAN will be tokenized afterward for subsequent payment
Payment with Token	In this type, a token (a secure digital representation of the card data) is generated and used for the transaction instead of the actual CPAN This token can be used securely for subsequent transactions, as the real card data is kept safe and isn’t exposed.
Payment without Authentication	This transaction type skips additional authentication steps, such as PIN or OTP (One-Time Password) on the issuer's application. This type of payment needs a token & compatible for subscription-based transaction

Interested in KKI ?

Do you think that might KKI might suits your project? Send your request here!