Virtual Account

DOKU provides various payment channels. One of the most used by our merchants is Virtual Account. By using this payment channels, your customer can pay their order through bank transfer and DOKU will notify you once the payment is completed by your customer. DOKU has partnered with various banks to help you provide many payment options for your customers.

Features for Virtual Account

Virtual Account Number Component

Virtual Account number which is displayed to customer, contains two parts. The first part is the company code (BIN) and the second part is unique VA Number.

There are 2 types of general features that can be used with Virtual Accounts :

1. Register : The VA number will be registered to DOKU and Acquirer will inquiry to our side when the customer make payment at the acquirer channel (ATM, mobile banking, internet banking, etc.)

Feature Type	Description
DOKU Generated Payment Code ( DGPC )	Merchants don’t need to generate payment code, just need to request from DOKU and DOKU will send a unique payment code. Component VA Number : BIN and Unique VA Number. Suitable for e-commerce business model.
Merchant Generated Payment Code ( MGPC )	Merchants can generate payment codes with their own rules, and send the code to DOKU and customers will use it for payment. Component VA Number : BIN and Unique VA Number. Suitable for top up business model.

1. Direct Inquiry ( DIPC ) : The VA number is registered on merchant side and DOKU will forward Acquirer inquiry request to merchant side when the customer make payment at the acquirer channel (ATM, mobile banking, internet banking, etc.). Component VA Number : BIN and Unique VA Number.

ONE TRANSACTION CAN'T USE 2 OR 3 FEATURES AT THE SAME TIME.

By default, DOKU will register your business with Doku Generate Payment Code feature which means BIN for VA will be generated by DOKU side. But there is no limit for you to be able to use 2 features at the same time. What it can't do is that 1 transaction uses 2 features at the same time.

GET THE BIN

If you want to use MGPC or DIPC, then please contact the care team to get a BIN as a component for the VA Number.

Billing Type

Billing type is a type of feature used by merchants to determine the method of payment for their customers when they are in Inquiry. In case, the customer can input the amount according to their expected amount or the customer can also pay according to the amount that has been determined by the merchant.

Here is a billing type and their defenition that can be implemented into virtual account transactions.

Billing Type	Description
FIX_BILL	Customer can only pay the bill with the amount stated in the bill (Closed Amount / Full Payment).
NO_BILL	Customer can pay with their amount and Virtual Account can accept payments for any nominal value.
BILL_VARIABLE_AMOUNT	Customer can pay according to the amount they want or randomly in a predetermined range.
PARTIAL_AMOUNT	Customer can pay according to the amount they want in a predetermined amount stated in the bill.

Applicable for Channel

For your information, each acquirer has its own rules. There is an Acquirer that doesn't support billing type. Here's the checklist :

Bank	Fix Bill	No Bill	Bill Variable Amount	Partial Amount
BCA VA	✅	✅	✅	❌
MANDIRI VA	✅	✅	❌	❌
BRI VA	✅	✅	❌	❌
BNI VA	✅	✅	❌	✅
PERMATA VA	✅	✅	❌	❌
CIMB VA	✅	✅	❌	✅
DANAMON VA	✅	✅	❌	✅
DOKU VA	✅	✅	❌	❌
MAYBANK VA	✅	✅	❌	❌
BTN VA	✅	✅	❌	❌
BNC VA	✅	✅	❌	❌
BSS VA	✅	✅	❌	❌

BNI Only

BNI have a special rules, billing type for BNI are OPEN, FIXED, INSTALLMENT, MIN, OPEN MIN and OPEN MAX. You can see the detail, in BNI Section.

BIN Rules

In accordance with the explanation regarding the Virtual Account Component, BIN is one of the components to create a virtual account. So, here's an explanation regarding BIN rules and adapt them to your needs.

Note

These rules only apply to Aggregator Partnership Models, which means merchants use DOKU's BIN.

BCA VA

For Virtual Account That DOKU Generated(DGPC), the Length is 16 digits For Virtual Account That Merchant Generated(MGPC & DIPC), The Max Length is 23 digits

Partnership Model	BIN Type	Description	VA Number Component	Feature
Aggregator	DOKU General	DOKU's BIN in Acquirer, that DOKU provide for merchants to use	DOKU General BIN (6 digit) + DOKU Generated Payment Code (10 digit)	DOKU Generated Payment Code (DGPC)
Aggregator	DOKU Exclusive	DOKU's BIN in Acquirer, that DOKU provides only for 1 merchant to use. Please contact sales team to get DOKU Exclusive BIN	DOKU Exclusive BIN (range. 8-9 digit) + Free Digit (max range. 15-14 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)
Direct	Direct	Merchant’s Acquirer BIN. Please contact sales team to get Direct BIN from Acquirer	Merchant’s Acquirer BIN (5 digit) + Free Digit (max. 18 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)

BRI VA

For Virtual Account That DOKU Generated(DGPC), the Length is 16 digits For Virtual Account That Merchant Generated(MGPC & DIPC), The Max Length is 18 digits

Partnership Model	BIN Type	Description	VA Number Component	Feature
Aggregator	DOKU General	DOKU's BIN in Acquirer, that DOKU provide for merchants to use	DOKU General BIN (6 digit) + DOKU Generated Payment Code (10 digit)	DOKU Generated Payment Code (DGPC)
Aggregator	DOKU Exclusive	DOKU's BIN in Acquirer, that DOKU provides only for 1 merchant to use. Please contact sales team to get DOKU Exclusive BIN	DOKU Exclusive BIN (range. 7-9 digit) + Free Digit (max range. 11-9 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)
Direct	Direct	Merchant’s Acquirer BIN. Please contact sales team to get Direct BIN from Acquirer	Merchant’s Acquirer BIN (5 digit) + Free Digit (max. 13 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)

Mandiri VA

For Virtual Account That DOKU Generated(DGPC), the Length is 16 digits For Virtual Account That Merchant Generated(MGPC & DIPC), The Max Length is 16 digits

Partnership Model	BIN Type	Description	VA Number Component	Feature
Aggregator	DOKU General	DOKU's BIN in Acquirer, that DOKU provide for merchants to use	DOKU General BIN (8 digit) + DOKU Generated Payment Code (8 digit)	DOKU Generated Payment Code (DGPC)
Aggregator	DOKU Exclusive	DOKU's BIN in Acquirer, that DOKU provides only for 1 merchant to use. Please contact sales team to get DOKU Exclusive BIN	DOKU Exclusive BIN (range. 7-9 digit) + Free Digit (max range. 9-7 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)
Direct	Direct	Merchant’s Acquirer BIN. Please contact sales team to get Direct BIN from Acquirer	Merchant’s Acquirer BIN (5 digit) + Free Digit (max. 11 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)

BNI VA

For Virtual Account That DOKU Generated(DGPC), the Length is 16 digits For Virtual Account That Merchant Generated(MGPC & DIPC), The Max Length is 28 digits

Partnership Model	BIN Type	Description	VA Number Component	Feature
Aggregator	DOKU General	DOKU's BIN in Acquirer, that DOKU provide for merchants to use	DOKU General BIN (9 digit) + DOKU Generated Payment Code (7 digit)	DOKU Generated Payment Code (DGPC)
Aggregator	DOKU Exclusive	DOKU's BIN in Acquirer, that DOKU provides only for 1 merchant to use. Please contact sales team to get DOKU Exclusive BIN	DOKU Exclusive BIN (range. 10-13 digit) + Free Digit (max range. 18-15 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)
Direct	Direct	Merchant’s Acquirer BIN. Please contact sales team to get Direct BIN from Acquirer	Merchant’s Acquirer BIN (8 digit) + Free Digit (max. 20 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)

Permata VA

For Virtual Account That DOKU Generated(DGPC), the Length is 16 digits For Virtual Account That Merchant Generated(MGPC & DIPC), The Max Length is 16 digits

Partnership Model	BIN Type	Description	VA Number Component	Feature
Aggregator	DOKU General	DOKU's BIN in Acquirer, that DOKU provide for merchants to use	DOKU General BIN (5 digit) + DOKU Generated Payment Code (11 digit)	DOKU Generated Payment Code (DGPC)
Aggregator	DOKU Exclusive	DOKU's BIN in Acquirer, that DOKU provides only for 1 merchant to use. Please contact sales team to get DOKU Exclusive BIN	DOKU Exclusive BIN (range. 6-8 digit) + Free Digit (max range. 10-8 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)
Direct	Direct	Merchant’s Acquirer BIN. Please contact sales team to get Direct BIN from Acquirer	Merchant’s Acquirer BIN (4 digit) + Free Digit (max. 12 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)

Danamon VA

For Virtual Account That DOKU Generated(DGPC), the Length is 16 digits For Virtual Account That Merchant Generated(MGPC & DIPC), The Max Length is 16 digits

Partnership Model	BIN Type	Description	VA Number Component	Feature
Aggregator	DOKU General	DOKU's BIN in Acquirer, that DOKU provide for merchants to use	DOKU General BIN (5 digit) + DOKU Generated Payment Code (11 digit)	DOKU Generated Payment Code (DGPC)
Aggregator	DOKU Exclusive	DOKU's BIN in Acquirer, that DOKU provides only for 1 merchant to use. Please contact sales team to get DOKU Exclusive BIN	DOKU Exclusive BIN (range. 6-8 digit) + Free Digit (max range. 10-8 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)
Direct	Direct	Merchant’s Acquirer BIN. Please contact sales team to get Direct BIN from Acquirer	Merchant’s Acquirer BIN (4 digit) + Free Digit (max. 12 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)

CIMB VA

For Virtual Account That DOKU Generated(DGPC), the Length is 16 digits For Virtual Account That Merchant Generated(MGPC & DIPC), The Max Length is 16 digits

Partnership Model	BIN Type	Description	VA Number Component	Feature
Aggregator	DOKU General	DOKU's BIN in Acquirer, that DOKU provide for merchants to use	DOKU General BIN (5 digit) + DOKU Generated Payment Code (11 digit)	DOKU Generated Payment Code (DGPC)
Aggregator	DOKU Exclusive	DOKU's BIN in Acquirer, that DOKU provides only for 1 merchant to use. Please contact sales team to get DOKU Exclusive BIN	DOKU Exclusive BIN (range. 6-8 digit) + Free Digit (max range. 10-8 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)
Direct	Direct	Merchant’s Acquirer BIN. Please contact sales team to get Direct BIN from Acquirer	Merchant’s Acquirer BIN (4 digit) + Free Digit (max. 12 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)

BTN VA

For Virtual Account That DOKU Generated(DGPC), the Length is 16 digits For Virtual Account That Merchant Generated(MGPC & DIPC), The Max Length is 19 digits

Partnership Model	BIN Type	Description	VA Number Component	Feature
Aggregator	DOKU General	DOKU's BIN in Acquirer, that DOKU provide for merchants to use	DOKU General BIN (6 digit) + DOKU Generated Payment Code (10 digit)	DOKU Generated Payment Code (DGPC)
Aggregator	DOKU Exclusive	DOKU's BIN in Acquirer, that DOKU provides only for 1 merchant to use. Please contact sales team to get DOKU Exclusive BIN	DOKU Exclusive BIN (range. 8-9 digit) + Free Digit (max range. 11-10 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)
Direct	Direct	Merchant’s Acquirer BIN. Please contact sales team to get Direct BIN from Acquirer	Merchant’s Acquirer BIN (5 digit) + Free Digit (max. 14 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)

DOKU VA

For Virtual Account That DOKU Generated(DGPC), the Length is 16 digits For Virtual Account That Merchant Generated(MGPC & DIPC), The Max Length is 16 digits

Partnership Model	BIN Type	Description	VA Number Component	Feature
Aggregator	DOKU General	DOKU's BIN in Acquirer, that DOKU provide for merchants to use	DOKU General BIN (2 digit) + DOKU Generated Payment Code (14 digit)	DOKU Generated Payment Code (DGPC)
Aggregator	DOKU Exclusive	DOKU's BIN in Acquirer, that DOKU provides only for 1 merchant to use. Please contact sales team to get DOKU Exclusive BIN	DOKU Exclusive BIN (range. 3-8 digit) + Free Digit (max range.13-8 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)

Maybank VA

For Virtual Account That DOKU Generated(DGPC), the Length is 16 digits For Virtual Account That Merchant Generated(MGPC & DIPC), The Max Length is 16 digits

Partnership Model	BIN Type	Description	VA Number Component	Feature
Aggregator	DOKU General	DOKU's BIN in Acquirer, that DOKU provide for merchants to use	DOKU General BIN (6 digit) + DOKU Generated Payment Code (10 digit)	DOKU Generated Payment Code (DGPC)
Aggregator	DOKU Exclusive	DOKU's BIN in Acquirer, that DOKU provides only for 1 merchant to use. Please contact sales team to get DOKU Exclusive BIN	DOKU Exclusive BIN (range. 8-9 digit) + Free Digit (max range. 8-7 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)
Direct	Direct	Merchant’s Acquirer BIN. Please contact sales team to get Direct BIN from Acquirer	Merchant’s Acquirer BIN (5 digit) + Free Digit (max. 11 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)

BNC VA

For Virtual Account That DOKU Generated(DGPC), the Length is 16 digits For Virtual Account That Merchant Generated(MGPC & DIPC), The Max Length is 19 digits

Partnership Model	BIN Type	Description	VA Number Component	Feature
Aggregator	DOKU General	DOKU's BIN in Acquirer, that DOKU provide for merchants to use	DOKU General BIN (9 digit) + DOKU Generated Payment Code (7 digit)	DOKU Generated Payment Code (DGPC)
Aggregator	DOKU Exclusive	DOKU's BIN in Acquirer, that DOKU provides only for 1 merchant to use. Please contact sales team to get DOKU Exclusive BIN	DOKU Exclusive BIN (range.11-12 digit) + Free Digit (max range. 8-7 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)
Direct	Direct	Merchant’s Acquirer BIN. Please contact sales team to get Direct BIN from Acquirer	Merchant’s Acquirer BIN (8 digit) + Free Digit (max. 11 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)

BSS VA

For Virtual Account That DOKU Generated(DGPC), the Length is 16 digits For Virtual Account That Merchant Generated(MGPC & DIPC), The Max Length is 16 digits

Partnership Model	BIN Type	Description	VA Number Component	Feature
Aggregator	DOKU General	DOKU's BIN in Acquirer, that DOKU provide for merchants to use	DOKU General BIN (6 digit) + DOKU Generated Payment Code (10 digit)	DOKU Generated Payment Code (DGPC)
Aggregator	DOKU Exclusive	DOKU's BIN in Acquirer, that DOKU provides only for 1 merchant to use. Please contact sales team to get DOKU Exclusive BIN	DOKU Exclusive BIN (range. 7-9 digit) + Free Digit (max range. 9-7 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)
Direct	Direct	Merchant’s Acquirer BIN. Please contact sales team to get Direct BIN from Acquirer	Merchant’s Acquirer BIN (5 digit) + Free Digit (max. 11 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)

Reusable Status

Reusable Status is a parameter in API to indicate if Payment Code can be paid more than once, set this to true if merchants wish to enable it.

Here is a reusable status explanation. Set this value in the API, to implement reusable status.

Value	Description
true	Payment Code can be paid more than once
false	Payment Code can only be paid once

Note

By default, DOKU will set the value to false, if you don't send this parameter on request.

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