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Settlement is a process where the payment gateway (DOKU) transfers the funds that were received for transactions that have been processed by the merchant during a certain period of time. The settlement period varies for every payment method as well as the settlement scheme (aggregator or direct). 

Aggregator Settlement scheme means that the funds will be settled from DOKU to your bank account, while the Direct Settlement scheme means that your funds will be settled directly from the bank or payment channel to settled to your bank account. The settlement period for Aggregator Settlement scheme is determined by DOKU, while the settlement period for Direct Settlement scheme is determined by the acquiring bank or payment channel. 

The following is the settlement period table for Aggregator Settlement scheme based on each payment method and payment channel.

Payment MethodPayment Channel or
Acquiring Bank
Settlement Period
(Working Days)
Credit CardBRI, BNI, Bank MandiriT+3
Virtual Account

Other banksT+1
DOKU WalletT+1
KredivoTuesdays and Fridays
BRI CeriaT+2
Convenience StoreAlfa GroupT+4
Direct DebitBRIT+2

Digital BankingJenius PayT+2

Daily settlement time is from 12:00-14:00 GMT+7.

The above settlement period only applies to corporate merchants with a local bank account. Merchants with an overseas bank account or a bank account with a non-IDR currency may have a weekly, bi-weekly, or monthly settlement period depending on the agreement with DOKU.

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