# Direct Debit

## 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](https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/direct-debit/allo-bank-direct-debit) |
| [BRI Direct Debit](https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/direct-debit/bri-direct-debit)             |
| [CIMB Direct Debit](https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/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](mailto:jokul@doku.com?subject=%5BRequest%5D%20Add%20New%20Plugin%3A%20Others)!