Digital payment infrastructure for Indonesian businesses

Within T+1 business days at the latest, funds arrive in the bank account held in your name or your company's name, with only the Rp10,000 payout fee per transfer deducted. Business days exclude Saturdays, Sundays, and national holidays, so Friday's transactions are forwarded on Monday. Every transfer comes with an email breakdown per payment method, and the full history (transfer date, reference, amount received) is always in the dashboard.

Prefer to let funds accumulate and pay them out yourself, say once at the end of the month? Turn on manual payout mode in the portal: forwarding is held until you press the payout button, still free of charge, and any pending balance is paid out automatically by the start of the following month at the latest. The default stays automatic at T+1.

Pay as you go, with no monthly subscription. First, transaction fees at the providers' official rates: VA at Rp3.000–Rp4.000 per transaction depending on the bank, QRIS at no MDR (0%) on transactions up to Rp100.000 and 0,7% above that, per Bank Indonesia's MDR regulation in force since 1 October 2026, bank transfer at Rp0 per transaction. No markup. Second, a flat Rp10.000 payout fee per transfer to your account, deducted from that payout itself: automatic daily settlement means one fee per business day that has funds; batch weekly or monthly via manual mode and you pay it once. Third, optional, an Account Mutation subscription at Rp300.000/month or Rp3.000.000/year per account if you use bank transfer, prepaid.

Beyond that, there's no separate charge for integration or setup, the dashboard, reports, sandbox, or team accounts, API calls and webhooks, or for cancelling. Details on the pricing page; any price change is announced well in advance.

No. There is no monthly subscription. Fees only arise when there are transactions (transaction fees) and when funds are actually paid out to your account (the Rp10.000 payout fee per transfer). A quiet month means a bill of zero; the dashboard, API, and sandbox stay available.

The only fee that runs without transactions is the Account Mutation subscription, and it's optional: only if you add a bank account for transfers, prepaid per account, and it simply stops when not renewed.

Yes, and only one: a flat Rp10.000 per transfer, deducted from that payout itself and shown as its own line in the settlement email and history. The amount landing in your account always reconciles: the forwarded amount minus Rp10.000, nothing else.

This fee applies to VA and QRIS payouts only; bank transfer (Account Mutation) is exempt, as funds land directly in your account. The fee follows the number of transfers, not the amount. Automatic daily settlement means one fee per business day that has funds; if you'd rather accumulate and pay out once a week or month via manual mode, the whole accumulation goes out as a single transfer with a single fee. The choice is yours, and we're honest about the cost behind it: every transfer carries a bank fee we pay.

Individuals and registered businesses alike, as long as they pass verification (KYC). Individuals need just an ID card (KTP), a selfie holding the KTP, and proof of a bank account in their own name (tax ID optional). Registered businesses (a PT, CV, or other legal entity) prepare the deed of establishment & SK Kemenkumham, the company tax ID (NPWP), the business registration number (NIB), plus the directors' KTP and personal tax IDs. Funds are always forwarded to an account in the account holder's name: yours per your KTP for individuals, the company's per the deed for businesses. Approval remains at the discretion of our team and the licensed provider.

No, and we prefer to say so upfront. Verification (KYC) is decided by our team together with the licensed payment provider. A rejection by the provider is not something we can overturn, and it falls outside doit.id responsibility.

The most common reason an application stalls: a website that does not tell the story of its transactions. A reviewer has to be able to see for themselves what you sell, what it costs, and how a customer orders and pays. A page with only a company profile, a "coming soon" notice, or a link to a marketplace is usually not enough. This is a Bank Indonesia requirement, not our preference.

Not approved yet, or rejected? Email care@doit.id. Our team will talk it through with you, understand your business, and tell you what is still missing. Many applications pass once the gaps are filled.

Sign up directly with a gateway and you get a payment gateway. With doit.id, you get the entire billing cycle, from issue to paid: recurring invoices issued automatically, a payment link ready to share over any channel, the customer pays, and a PAID webhook lands in your system without anyone typing. ISPs run this full cycle in production every day, and you won't get it by signing up directly with any gateway.

On price: our transaction fees are the same as the providers' official rates, with no markup, so going direct isn't cheaper. On top of that you get a developer-friendly API, a sandbox & payment simulation, tax-ready reports, auditable settlement, integration hand-holding, and 24-hour support. And your integration stays the same if one day there's more than one provider behind it.

doit.id is built by Alfian Pamungkas Sakawiguna and processes payments from IDCloudHost's own cloud customers every day: IDCloudHost is its first live user.

Payments are processed by payment service providers licensed by Bank Indonesia. Settlement is only ever sent to the company bank account verified during onboarding. The destination account is locked and can't be changed without re-verification, so your account is safe from takeover. There's no balance you have to withdraw manually: every settlement goes out on schedule, is announced by email with its breakdown, and the entire history is auditable in the dashboard. Every payout can even be broken down per transaction: reference, method, when it was paid, fees, and the amount forwarded, so the figure that lands always reconciles with your own sales records.

Virtual Accounts at the major banks, and QRIS: the two most widely used methods, and the ones that cause the fewest disputes. Other methods will follow once these two are truly mature. Details on the Accept Payments page.

One request to create an invoice, one webhook when it's paid. Authentication is a single Bearer header, no signatures or timestamps. A sandbox and payment simulation are available, and our team stays with you until your first live transaction goes through. More on the Developer page.

Yes, that's one of the very reasons doit.id exists. With Recurring Billing, you create a plan once (amount + interval), subscribe the customer, and an invoice is issued automatically every period: complete with a shareable payment link, an invoice.created webhook, and, if you like, a billing email straight to the customer. No stored cards and no auto-debit.

Yes, and more easily than you might think. We provide a compatibility mode for Duitku and Xendit (Invoice API): your existing integration code keeps working as-is, just swap the base URL and key. Enable it yourself when creating an app in the portal, and the credentials appear right away. Your old system keeps serving while you migrate step by step, so there's no downtime. Gateway not on the list yet? Let us know; the list keeps growing.

No. Add the other company as a business entity under the same account, from the Business entities menu in the portal: each entity goes through its own verification (KYC) and gets its own payout account, while the integration, API keys, payment connection, and team stay one. When creating an app, pick the entity it pays out to; payments from that app show the entity name on the payment page and are forwarded to its account. Sub-merchants are different: they are for platforms opening payments to their own customers.

Sign up on your own at doit.id/daftar: fill in your business details, upload the documents (you can save and resume any time), then submit. The sandbox is fully usable from day one, while verification runs in parallel: we pre-validate your business documents first, then pass them to a licensed provider for official merchant registration. Once approved, your account goes live right away, complete with a dashboard, a verified settlement account, and hands-on help until your first live transaction. Prefer to be walked through it? Email care@doit.id.