Virtual Account Overview

DOKU provides various payment channels. One of the most used by our merchants is Virtual Account. By using this payment channels, your customer can pay their order through bank transfer and DOKU will notify you once the payment is completed by your customer. DOKU has partnered with various banks to help you provide many payment options for your customers.

Partnerships Model

Each user may have different needs for the business and the way they receive funds. DOKU has 2 types of models for accepting payments, namely the Aggregator Model and the Direct Model. For full details, you can check the details here.

The following is a list of models in receiving your funds for each bank via Virtual Account.

Name	Aggregator	Direct
BCA	✅	✅
Mandiri	✅	✅
BSI	✅	✅
DOKU	✅	✅
BRI	✅	✅
CIMB	✅	❌
Permata	✅	❌
BNI	✅	❌
Danamon	✅	❌

Features for Virtual Account

Virtual Account Number Component

Virtual Account number which is displayed to customer, contains two parts.
The first part is the company code (BIN) and the second part is unique VA Number.

There are 2 types of general features that can be used with Virtual Accounts:

Register: The VA number will be registered to DOKU and Acquirer will inquiry to our side when the customer make payment at the acquirer channel (ATM, mobile banking, internet banking, etc.)

Features Type	Description
DOKU Generated Payment Code (DGPC)	Merchants don’t need to generate payment code, just need to request from DOKU and DOKU will send a unique payment code. Component VA Number : `BIN` and `Unique VA Number`. Suitable for e-commerce business model.
Merchant Generated Payment Code (MGPC)	Merchants can generate payment codes with their own rules, and send the code to DOKU and customers will use it for payment. Component VA Number : `BIN` and `Unique VA Number`. Suitable for top up business model.

Direct Inquiry (DIPC): The VA number is registered on merchant side and DOKU will forward Acquirer inquiry request to merchant side when the customer make payment at the acquirer channel (ATM, mobile banking, internet banking, etc.). Component VA Number : BIN and Unique VA Number.

One transaction can't use 2 or 3 features at the same time.

By default, DOKU will register your business with Doku Generate Payment Code feature which means BIN for VA will be generated by DOKU side. But there is no limit for you to be able to use 2 features at the same time. What it can't do is that 1 transaction uses 2 features at the same time.

Get the BIN

If you want to use MGPC or DIPC, then please contact the care team to get a BIN as a component for the VA Number.

Billing Type

Billing type is a type of feature used by merchants to determine the method of payment for their customers when they are in Inquiry. In case, the customer can input the amount according to their expected amount or the customer can also pay according to the amount that has been determined by the merchant.

Here is a billing type and their defenition that can be implemented into virtual account transactions.

Billing Type	Description
`FIX_BILL`	Customer can only pay the bill with the amount stated in the bill (Closed Amount / Full Payment).
`NO_BILL`	Customer can pay with their amount and Virtual Account can accept payments for any nominal value.
`BILL_VARIABLE_AMOUNT`	Customer can pay according to the amount they want or randomly in a predetermined range.

Applicable for Channel

For your information, each acquirer has its own rules. There is an Acquirer that doesn't support billing type. Here's the checklist :

Bank Name	Fix Bill	No Bill	Bill Variable Amount
BCA	✅	✅	✅
Mandiri	✅	✅	❌
BSI	✅	❌	❌
DOKU	✅	✅	❌
BRI	✅	✅	❌
CIMB	✅	✅	❌
Permata	✅	✅	❌
Danamon	✅	✅	❌

BNI only

BNI have a special rules, billing type for BNI are OPEN, FIXED,INSTALLMENT,MIN,OPEN MIN and OPEN MAX. You can see the detail, in BNI Section.

BIN Rules

In accordance with the explanation regarding the Virtual Account Component, BIN is one of the components to create a virtual account. So, here's an explanation regarding BIN rules and adapt them to your needs.

note

These rules only apply to Aggregator Partnership Models, which means merchants use DOKU's BIN.

Partnership Model	BIN Type	Description	VA Number Component	Feature
Aggregator	DOKU General	DOKU's BIN in Acquirer, that DOKU provide for merchants to use	DOKU General BIN (6 digit) + DOKU Generated Payment Code (10 digit)	DOKU Generated Payment Code (DGPC)
Aggregator	DOKU Exclusive	DOKU's BIN in Acquirer, that DOKU provides only for 1 merchant to use. Please contact sales team to get DOKU Exclusive BIN	DOKU Exclusive BIN (starting from 9 digit) + Free Digit (max. 14 digit)	Merchant Generate Payment Code (MGPC), Direct Inquiry (DIPC)
Direct	Direct	Merchant’s Acquirer BIN. Please contact sales team to get Direct BIN from Acquirer	Merchant’s Acquirer BIN (5 digit) + Free Digit (max. 18 digit)	Merchant Generate Payment Code (MGPC), Direct Inquiry (DIPC)

Maximum virtual account number is 23 digit.

Partnership Model	BIN Type	Description	VA Number Component	Feature
Aggregator	DOKU General	DOKU's BIN in Acquirer, that DOKU provide for merchants to use	DOKU General BIN (6 digit) + DOKU Generated Payment Code (10 digit)	DOKU Generated Payment Code (DGPC)
Aggregator	DOKU Exclusive	DOKU's BIN in Acquirer, that DOKU provides only for 1 merchant to use. Please contact sales team to get DOKU Exclusive BIN	DOKU Exclusive BIN (starting from 9 digit) + Free Digit (max. 7 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)
Direct	Direct	Merchant’s Acquirer BIN. Please contact sales team to get Direct BIN from Acquirer	Merchant’s Acquirer BIN (5 digit) + Free Digit (max. 11 digit)	Merchant Generated Payment Code (MGPC), Direct Inquiry (DIPC)