Kirim DOKU

Kirim DOKU is a service designed to facilitate seamless domestic fund transfers. With Kirim DOKU, users can send money directly to recipients' bank accounts within the country without the need to visit a physical bank.

Merchant Registration

You must register yourself as a merchant, click here to learn more. After that, you must retrieve your payment/transfer credential on DOKU dashboard. Learn how to retrieve your payment/transfer credential here.

Create Signature

Before you hit an API, you need to understand how to generate a signature. To generate a signature, please refer to this page.

To onboard and go live as a KD SNAP partner, partners need to obtain approval from ASPI (Indonesia’s payment system regulator). To get this approval, two tests must be completed: the functionality test (done in DOKU’s sandbox environment) and the developer site test (via ASPI’s portal). Please coordinate with the Sales and Integration teams to meet these requirements.

Flow Diagram

Kirim DOKU

1. Access Token

This API allows DOKU’s partners to get the access token (OAuth 2.0 token). The access token must be included in the Authorization header of other APIs. The access token is valid for 15 minutes. If it is invalid or expired, the transaction request will be rejected and cannot be processed further. Partners are required to request a new access token when it’s expired. When assessing the API Access Token, it is necessary to generate both a private key and a public key. Ensure that the two keys are a matching pair, then place the public key in the DOKU dashboard under the 'Edit Merchant Public Key' section. Click here to see the full API documentation.

1. Account Inquiry

Before initiating a fund transfer, it is crucial to verify the validity of the recipient's bank accounts. Ensuring account accuracy helps prevent transaction errors and supports a seamless transfer process. Learn the response code of this API here.

Completing an Account Inquiry is mandatory before proceeding with a bank transfer.

1. Balance Inquiry

Perform a Balance Inquiry to confirm that sufficient funds are available in the sender's account to complete the transaction. This step minimizes the risk of failed transactions due to insufficient balance. Learn the response code of this API here.

1. Transfer Bank

This process involves transferring funds from the sender's account to the recipient's account. Ensure all required details, including the recipient's bank account information and the transfer amount, are accurately provided. Learn the response code of this API here.

1. Check Status

Track the status of your transfer to confirm its completion. This feature allows real-time monitoring and provides transparency for both the sender and recipient. Learn the response code of this API here.

1. Unpaid Notification

This API is used to notify partners when the transaction status initially gets UNPAID status and then updated by DOKU's system to either Success or Failed.

1. Refund Notification

This API is used to notify partners when a refund occurs in the KIRIMDOKU system. KIRIMDOKU will notify partners with the URL that has been registered, and the notification will be done maximum 3 times or until the notification callback response is correct.

List of Supported Banks

No	Bank Name	ID	SWIFT Code	Online	BI-FAST	SKN/RTGS
1	BANK BRI	002	BRINIDJA	V	V	V
2	BANK MANDIRI	008	BMRIIDJA	V	V	V
3	BANK BNI 46	009	BNINIDJA	V	V	V
4	BANK DANAMON	011	BDINIDJA	V	V	V
5	BANK DANAMON UUS (SYARIAH)	011SY	SYBDIDJ1	-	V	V
6	BANK PERMATA	013	BBBAIDJA	V	V	V
7	BANK PERMATA UUS (SYARIAH)	013SY	SYBBIDJ1	-	V	V
8	BANK BCA	014	CENAIDJA	V	V	V
9	BANK MAYBANK	016	IBBKIDJA	V	V	V
10	BANK MAYBANK UUS (SYARIAH)	016SY	SYBKIDJ1	-	V	V
11	BANK PANIN	019	PINBIDJA	V	V	V
12	BANK CIMB NIAGA	022	BNIAIDJA	V	V	V
13	BANK CIMB NIAGA UUS (SYARIAH)	022SY	SYNAIDJ1	-	V	V
14	BANK UOB INDONESIA	023	BBIJIDJA	V	V	V
15	BANK OCBC NISP	028	NISPIDJA	V	V	V
16	BANK OCBS NISP UUS (SYARIAH)	028SY	SYONIDJ1	-	V	V
17	CITIBANK	031	CITIIDJX	V	V	V
18	JPMORGAN BANK	032	CHASIDJX	-	V	V
19	BANK OF AMERICA NA	033	BOFAID2X	-	V	V
20	BANK CCB INDONESIA	036	MCORIDJA	V	V	V
21	BANK ARTHA GRAHA	037	ARTGIDJA	V	V	V
22	MUFG BANK	042	BOTKIDJX	V	V	V
23	BANK DBS INDONESIA	046	DBSBIDJA	V	V	V
24	BANK RESONA PERDANIA	047	BPIAIDJA	-	V	V
25	BANK MIZUHO INDONESIA	048	MHCCIDJA	-	V	V
26	BANK STANDARD CHARTERED	050	SCBLIDJX	V	V	V
27	BANK CAPITAL	054	BCIAIDJA	V	V	V
28	BANK BNP PARIBAS	057	BNPAIDJA	-	V	V
29	BANK ANZ INDONESIA	061	ANZBIDJX	V	V	V
30	DEUTSCHE BANK	067	DEUTIDJA	-	V	V
31	BANK OF CHINA HK. LTD.	069	BKCHIDJA	V	V	V
32	BANK BUMI ARTA	076	BBAIIDJA	V	V	V
33	BANK HSBC INDONESIA	087	HSBCIDJA	V	V	V
34	BANK JTRUST INDONESIA	095	CICTIDJA	V	V	V
35	BANK MAYAPADA INTERNATIONAL	097	MAYAIDJA	V	V	V
36	BANK JABAR	110	PDJBIDJA	V	V	V
37	BANK DKI	111	BDKIIDJ1	V	V	V
38	BANK DKI UUS (SYARIAH)	111SY	SYDKIDJ1	-	V	V
39	BANK BPD DIY	112	PDYKIDJ1	V	V	V
40	BANK BPD DIY UUS (SYARIAH)	112SY	SYYKIDJ1	-	V	V
41	BANK JATENG	113	PDJGIDJ1	V	V	V
42	BANK JATENG UUS (SYARIAH)	113SY	SYJGIDJ1	-	V	V
43	BANK JATIM	114	PDJTIDJ1	V	V	V
44	BANK JATIM UUS (SYARIAH)	114SY	SYJTIDJ1	-	V	V
45	BPD JAMBI	115	PDJMIDJ1	V	V	V
46	BPD JAMBI UUS (SYARIAH)	115SY	SYJMIDJ1	-	V	V
47	BANK ACEH	116	SYACIDJ1	V	V	V
48	BANK SUMUT	117	PDSUIDJ1	V	V	V
49	BANK SUMUT UUS (SYARIAH)	117SY	SYSUIDJ1	-	V	V
50	BPD SUMATERA BARAT/BANK NAGARI	118	PDSBIDJ1	V	V	V
51	BANK NAGARI UUS (SYARIAH)	118SY	SYSBIDJ1	-	V	V
52	BANK RIAU	119	PDRIIDJA	V	V	V
53	BPD SUMSEL BABEL	120	BSSPIDSP	V	V	V
54	BPD SUMSEL BABEL UUS (SYARIAH)	120SY	SYSSIDJ1	-	V	V
55	BANK LAMPUNG	121	PDLPIDJ1	V	V	V
56	BPD KALSEL	122	PDKSIDJ1	V	V	V
57	BPD KALSEL UUS (SYARIAH)	122SY	SYKSIDJ1	-	V	V
58	BPD KALBAR	123	PDKBIDJ1	V	V	V
59	BPD KALBAR UUS (SYARIAH)	123SY	SYKBIDJ1	-	V	V
60	BPD KALTIMTARA	124	PDKTIDJ1	V	V	V
61	BPD KALTIMTARA UUS (SYARIAH)	124SY	SYKTIDJ1	-	V	V
62	BPD KALTENG	125	PDKGIDJ1	V	V	V
63	BANK SULSELBAR	126	PDWSIDJA	V	V	V
64	BANK SULSELBAR UUS (SYARIAH)	126SY	SYWSIDJ1	-	V	V
65	BANK SULUTGO	127	PDWUIDJ1	V	V	V
66	BANK NTB	128	PDNBIDJ1	V	V	V
67	BPD BALI	129	ABALIDBS	V	V	V
68	BANK NTT	130	PDNTIDJA	V	V	V
69	BPD MALUKU	131	PDMLIDJ1	V	V	V
70	BPD PAPUA	132	PDIJIDJ1	V	V	V
71	BPD BENGKULU	133	PDBKIDJ1	V	V	V
72	BPD SULTENG	134	PDWGIDJ1	V	V	V
73	BPD SULTRA	135	PDWRIDJ1	V	V	V
74	BPD BANTEN	137	PDBBIDJ1	V	V	V
75	BANK OF INDIA INDONESIA	146	BKIDIDJA	V	-	V
76	BANK MUAMALAT INDONESIA	147	MUABIDJA	V	V	V
77	BANK MESTIKA DHARMA	151	MEDHIDS1	V	V	V
78	BANK SHINHAN INDONESIA	152	MEEKIDJ1	V	V	V
79	BANK SINARMAS	153	SBJKIDJA	V	V	V
80	BANK NANO SYARIAH	153SY	NANOIDJ1	-	V	V
81	BANK MASPION INDONESIA	157	MASDIDJ1	V	V	V
82	BANK GANESHA	161	GNESIDJA	V	V	V
83	BANK ICBC	164	ICBKIDJA	V	V	V
84	BANK QNB INDONESIA	167	AWANIDJA	V	V	V
85	BANK BTN	200	BTANIDJA	V	V	V
86	BANK BTN UUS (SYARIAH)	200SY	SYBTIDJ1	-	V	V
87	BANK WOORI SAUDARA	212	BSDRIDJA	V	V	V
88	BANK SMBC INDONESIA	213	SUNIIDJA	V	V	V
89	BANK VICTORIA SYARIAH	405	SWAGIDJ1	V	-	V
90	BANK JABAR BANTEN SYARIAH	425	SYJBIDJ1	V	V	V
91	BANK MEGA	426	MEGAIDJA	V	V	V
92	BANK KB BUKOPIN	441	BBUKIDJA	V	V	V
93	BANK BSI (BANK SYARIAH INDONESIA)	451	BSMDIDJA	V	V	V
94	KROM BANK	459	BUSTIDJ1	-	V	V
95	BANK JASA JAKARTA	472	JSABDJI1	V	V	V
96	BANK KEB HANA	484	HNBNIDJA	V	V	V
97	BANK MNC INTERNATIONAL	485	BUMIIDJA	V	V	V
98	BANK NEO COMMERCE	490	YUDBIDJ1	V	V	V
99	BANK RAYA INDONESIA	494	AGTBIDJA	V	V	V
100	BANK SBI INDONESIA	498	IDMOIDJ1	V	V	V
101	BANK DIGITAL BCA	501	BBLUIDJA	V	V	V
102	BANK NATIONAL NOBU	503	LFIBIDJ1	V	V	V
103	BANK MEGA SYARIAH	506	BUTGIDJ1	V	V	V
104	BANK INA PERDANA	513	IAPTIDJA	-	V	V
105	BANK PANIN DUBAI SYARIAH	517	ARFAIDJ1	V	V	V
106	BANK PRIMA MASTER	520	PMASIDJ1	V	V	V
107	BANK BUKOPIN SYARIAH	521	SDOBIDJ1	V	V	V
108	BANK SAHABAT SAMPOERNA	523	SAHMIDJA	V	V	V
109	BANK OKE INDONESIA	526	LMANIDJ1	V	V	V
110	BANK AMAR	531	LOMAIDJ1	-	V	V
111	BANK SEABANK INDONESIA	535	SSPIIDJA	V	V	V
112	BANK BCA SYARIAH	536	BSYAIDJA	V	V	V
113	BANK JAGO	542	JAGBIDJA	V	V	V
114	BANK BTPN SYARIAH	547	PUBAIDJ1	V	V	V
115	BANK MULTI ARTA SENTOSA	548	BMSEIDJA	V	V	V
116	BANK HIBANK INDONESIA	553	MAYOIDJA	V	V	V
117	BANK INDEX	555	BIDXIDJA	V	V	V
118	SUPERBANK INDONESIA	562	FAMAIDJ1	V	V	V
119	BANK MANDIRI TASPEN	564	SIHBIDJ1	V	V	V
120	BANK VICTORIA INTERNATIONAL	566	VICTIDJ1	V	V	V
121	BANK ALLO	567	ALOBIDJA	V	V	V
122	BANK IBK INDONESIA	945	IBKOIDJA	V	V	V
123	BANK ALADIN SYARIAH	947	NETBIDJA	V	V	V
124	BANK CTBC INDONESIA	949	CTCBIDJA	V	V	V
125	BANK COMMONWEALTH	950	BICNIDJA	V	V	V
126	PT. BANK JAGO SYARIAH	542SY	SYATIDJ1	V	V	V

List of Supported e-Wallets

No	Bank Name	Bank Code	Beneficiary Account Number Sample	Notes
1	Gopay	GOPAY	081233445566	Channel Code: “07” beneficiaryAccountNumber = Beneficiary’s Phone Number
2	DANA	DANA	081233445566	Channel Code: “07” beneficiaryAccountNumber = Beneficiary’s Phone Number
3	Shopeepay	SHOPEEPAY	081233445566	Channel Code: “07” beneficiaryAccountNumber = Beneficiary’s Phone Number
4	OVO	OVO	081233445566	Channel Code: “07” beneficiaryAccountNumber = Beneficiary’s Phone Number
5	LinkAja	911	081233445566	Channel Code: “07” beneficiaryAccountNumber = Beneficiary’s Phone Number

List of Supported VA Payment

No	Bank Name	Bank Code	Supported Bank: Permata
1	Tokopedia	PVATOKO	V
2	Bukalapak	PVABUKA	V