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.

---

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 Report > Reconciled Transactions. 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

Request Header Explanation

Parameter	Description
Client-Id	Client ID retrieved from DOKU Back Office
Request-Id	Unique random string (max 128 characters) generated from merchant side to protect duplicate request
Request-Timestamp	Timestamp request on UTC time in ISO8601 UTC+0 format. It means to proceed transaction on UTC+7 (WIB), merchant need to subtract time with 7. Ex: to proceed transaction on September 22th 2020 at 08:51:00 WIB, the timestamp should be 2020-09-22T01:51:00Z
Signature	Security parameter that needs to be generated on merchant Backend and placed to the header request to ensure that the request is coming from valid merchant. Please refer to this section to generate the signature

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

Parameter	Type	Mandatory	Description
order.invoice_number	string	Mandatory	Same as the request that merchant sent on the payment initiation
order.amount	number	Mandatory	Same as the request that merchant sent on the payment initiation
order.currency	string	Mandatory	Same as the currency of original payment Default value: IDR
transaction.original_request_id	string	Mandatory	The request ID that sent when initiate the payment
override_settlement.bank_account_settlement_id	string	Optional	The bank_account_settlement_id that you retrieved from the DOKU Back Office
override_settlement.value	numeric	Optional	The value of the settlement can be in IDR or percentage based on the type defined. If you are using FIX type then the value should be the exact amount. If you are using PERCENTAGE type then the value should be the percentage
override_settlement.type	string	Optional	The type of the splitting funds. Possible value: FIX, PERCENTAGE

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

Parameter	Description
Client-Id	Same as the request
Request-Id	Same as the request
Response-Timestamp	Timestamp Response on UTC with format ISO8601 UTC+0 from DOKU
Signature	Signature generated by DOKU based on the response body

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

Parameter	Type	Mandatory	Description
order.invoice_number	string	Mandatory	Same as the request
order.amount	number	Mandatory	Same as the request
order.currency	string	Mandatory	Same as the request
transaction.original_request_id	string	Mandatory	Same as the request
transaction.settlement_date	string	Mandatory	Settlement date of this transaction (H+1) Format: yyyy-mm-dd
transaction.settlement_amount	number	Mandatory	The settlement amount after deducted with fee

The funds will be settled to the defined bank account within one business day (H+1)

---

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!