Wallet-as-a-Service

Unlock Digital Wallet Features for Your Users

Wallet-as-a-Service helps platforms offer secure, customizable wallet features directly inside their ecosystem.

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Provide Wallet Features to Users Without Building From Zero

Go Live 2x Faster

Launch 2× faster with a ready-made API without the need to build from scratch.

Custome Wallet Behavior

Adjust wallet behavior as needed, such as cashback, fees, or partner commissions.

Secure and Licensed by DOKU

Operate with confidence using DOKU’s certified wallet system built for compliance and scale.

Explore DOKU WaaS for All Your Needs

Grow your business with Embedded Wallet, Account Management, and Balance Management

Account Creation

Customers can link their e-Wallet balance to Normal Account or Premium Account (need KYC)

QRIS

Customers can pay with QRIS from various issuers (example: GoPay, ShopeePay, BCA)

Bank Transfer

Premium Account users can transfer their e-Wallet balance to over +100 bank accounts

P2P Transfer

Premium Account users can transfer their e-Wallet balance to another DOKU account

Premium Account

Increase the maximum balance and unlock all features to transact (Terms and Conditions apply)

Cash Withdrawal

Customers can withdraw their e-Wallet balance. Currently, this service is available only in Alfamart Group

The Backbone for Digital Wallets

Build on a system trusted by platforms handling millions of transactions every month.

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DOKU Wallet-as-a-Service helps you operate wallets with full visibility and operational control.

User-Based Wallet Accounts

Give each user or partner a dedicated wallet to hold, send, and receive funds securely.

Real-Time Balance Updates

Ensure every transaction is instantly reflected in wallet balances without delays.

Flexible Routing Logic

Define how funds flow between users, merchants, or business units based on your own rules.

Dukungan Cashback & Loyalty Bawaan

Buat cashback & program loyalti langsung di sistem dompet tanpa integrasi tambahan.

Designed for Developers

Easy to Build. Easy to Scale.

Wallet-as-a-Service is built to support developers from the first line of code to production launch.

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What Developers love:

Developer-friendly REST API with clear use cases

Secure sandbox to test and simulate real flows

Responsive integration support from DOKU's team

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Let’s Power Wallets for Your Platform

Talk to our team and see how you can embed wallet infrastructure with DOKU.

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Our Licensed System Protects Your Transactions

We are committed to the success of your business transaction

Bank Indonesia

PJP Level 1, licensed operator for:

Betalingsgateways
Remittance
E-money
E-Wallets
QRIS

AES 256

AES 256 security encryption standard

PCI DSS

Certified PCI DSS with periodic audits

ISO/EIC 27001

Certified for information security management standards

Kominfo

Electronic System Organizer Registered at the Ministry of Communications and Informatics of the Republic of Indonesia

Shining

Registered as Other Perception Institution (Admission Agency) in the State Admissions System electronically

Dukcapil

Collaborate with Dukcapil for identity verification

Frequently Asked Questions

Discover how DOKU’s products work to help your business grow.

Fund and Account Visibility in One System

Manage deposits, commissions, and fund flows with full transparency and control

Fast and Easy Checkout Page Integration

Enable online payments quickly with DOKU’s ready-to-use checkout page