Hold and Release Settlement

Hold & Release Settlement is a feature that enables you to hold the settlement for a payment. This is a good solution for a merchant that needs to hold and release the settlement when needed. It is suitable for merchants who have a marketplace or ecommerce business.

Case Study

"Pasar Kelontong" is an online marketplace where sellers and buyers meet. They need to hold the settlement to their sellers and will only settle it after the buyers confirmed they have received the goods.

Therefore, they implement Hold and Release Settlement feature which makes the settlement hold until they trigger the release settlement API.

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Implementation

Hold Settlement

To do hold settlement, please add this additional_info.hold_settlement object into your payment request:

{
...
    "additional_info": {
        "hold_settlement": true
    }
...
}

You can validate whether the settlement is hold by checking to DOKU Back Office and go to Finance > Transaction. You should see the transaction will have Settlement Schedule with HOLD.

Sample usage

Let's assume you are using the Checkout integration. You can simply add these parameters into your API Initiate Payment:

{
    "order": {
        "invoice_number": "INV-20210231-0001",
        "amount": 90000,
        "line_items": [
            {
                "name": "T-Shirt Red",
                "price": 30000,
                "quantity": 2
            },
            {
                "name": "Polo Navy",
                "price": 30000,
                "quantity": 1
            }
        ],
        "currency": "IDR",
        "callback_url": "https://merchant.com/return-url"
    },
    "payment": {
        "payment_due_date": 60,
        "payment_method_types": [
            "VIRTUAL_ACCOUNT_BCA",
            "VIRTUAL_ACCOUNT_BANK_MANDIRI",
            "VIRTUAL_ACCOUNT_BANK_SYARIAH_MANDIRI",
            "VIRTUAL_ACCOUNT_DOKU",
            "ONLINE_TO_OFFLINE_ALFA",
            "CREDIT_CARD",
            "DIRECT_DEBIT_BRI"
        ]
    },
    "customer": {
        "id": "CUST-0001",
        "name": "Anton Budiman",
        "email": "[e-mail]",
        "phone": "6285694566147",
        "address": "Menara Mulia Lantai 8",
        "country": "ID"
    },
    "additional_info": {
        "hold_settlement": true
    }
}

Release Settlement

To release the settlement, you will need to hit this API through your backend:

API Request

Type	Value
HTTP Method	POST
API endpoint (Sandbox)	https://api-sandbox.doku.com/finance/v1/release
API endpoint (Production)	https://api.doku.com/finance/v1/release

Here is the sample of request header to release transaction into settlement:

Client-Id: MCH-0001-10791114622547
Request-Id: fdb69f47-96da-499d-acec-7cdc318ab2fe
Request-Timestamp: 2021-05-08T08:45:42Z
Signature: HMACSHA256=1jap2tpgvWt83tG4J7IhEwUrwmMt71OaIk0oL0e6sPM=

Request Header Explanation

Here is the sample of request body:

{
    "order": {
        "invoice_number": "INV-20210231-0001",
        "amount": 90000,
        "currency": "IDR"
    },
    "transaction": {
        "original_request_id": "fdb69f47-96da-499d-acec-7cdc318ab2fe"
    },
    "override_settlement": 
        [
            {
                "bank_account_settlement_id": "SBA-0001-123123123",
                "value": 10,
                "type": "PERCENTAGE"
            },
            {
                "bank_account_settlement_id": "SBS-0002-321321321",
                "value": 90,
                "type": "PERCENTAGE"
            }
        ]
}

Request Body Explanation

API Response

After hitting the above API request, DOKU will give the response.

Type	Value
HTTP Status	200
Result	SUCCESS

Client-Id: MCH-0001-10791114622547
Request-Id: fdb69f47-96da-499d-acec-7cdc318ab2fe
Response-Timestamp: 2021-05-08T08:45:42Z
Signature: HMACSHA256=9UPUFzOqJc47aJzD9ESOTcWg6TMsg3mqSP+DnUO8ENE=

Response Header Explanation

Here is the sample response body:

{
    "order": {
        "invoice_number": "INV-20210231-0001",
        "amount": 90000,
        "currency": "IDR"
    },
    "transaction": {
        "original_request_id": "fdb69f47-96da-499d-acec-7cdc318ab2fe",
        "settlement_date": "2021-05-09",
        "settlement_amount": 85500,
    }
}

Response Body Explanation

The funds will be settled to the defined bank account H+1

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FAQs

When will I receive my funds after I hit the release API?

You will receive your funds H+1 after you hit the release API

What currency supported for the settlement?

We support IDR, SGD, and USD settlement. Please make sure that your defined bank account is on respective currency.

Can I use this feature with split settlement or custom settlement report?

Of course, you can!