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Bank transfers and convenience store payments in Indonesia

Learn how to accept DOKU bank transfers and cash payments at convenience stores in Indonesia.

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payment-method-icon  Learn about pricing and settlement services for Alfamart, Indomaret, and bank transfers on adyen.com.

Through our partner DOKU, our offering in Indonesia allows shoppers to pay using the following payment methods:

Payment type Payment flow Countries Currencies Recurring Refunds Partial refunds Multiple partial refunds Separate captures Partial captures Multiple partial captures Chargebacks
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Bank transfer

A bank transfer is the most popular payment method in the Indonesian market, second to traditional cash transactions. For every order we create a virtual account (VA) so that the shopper can make a bank transfer into that account.

How to make bank transfers

When the shopper selects an Indonesian bank transfer on your checkout page to complete their ecommerce transaction:

  1. You collect the following shopper details:
    • first name
    • last name
    • email
  2. You make a payment request with the shopper's details.
  3. On an interbank network, we create a virtual bank account that is unique to the order.
  4. In the payment response you receive the virtual bank account number, the expiry time of the virtual account, and a link with further instructions.
  5. You show the information provided in the payment response to the shopper.
  6. The shopper uses the information provided to do a bank transfer into the virtual account, before it expires. The shopper can make the bank transfer in the following ways:
    • ATM transfer: The shopper enters the payment reference and pays with cash or card
    • Mobile banking through apps
    • Internet banking
  7. When the payment is authorised, you receive a webhook. You can also check the status of the payment in your Customer Area
  8. You deliver the order to the shopper.

Payment method types

The following payment method types are available for bank transfer payments in Indonesia through our partner DOKU:

name type
Bank Transfer (Permata) doku_permata_lite_atm
BCA Bank Transfer doku_bca_va (only available with a local entity)
BNI VA doku_bni_va
BRI VA doku_bri_va (only available with a local entity)
CIMB VA doku_cimb_va
Danamon VA doku_danamon_va
Mandiri VA doku_mandiri_va

Cash at convenience stores

As an alternative to a bank transfer, shoppers can complete their ecommerce transaction by paying cash at a convenience store. Because Indonesia is still a largely cash-based society, this is a popular payment method.

How to pay at convenience stores

When the shopper selects an Indonesian convenience store on your checkout page to complete their ecommerce transaction:

  1. You collect the following shopper details:
    • first name
    • last name
    • email
  2. You make a payment request with the shopper's details.
  3. We create a voucher code unique to the order.
  4. In the payment response you receive the voucher code, the expiry time of the voucher code, and a link with further instructions.
  5. You show the information provided in the payment response to the shopper.
  6. The shopper goes to the convenience store, presents the voucher to the cashier, and pays in cash over the counter.
  7. When the payment is authorised, you receive a webhook. You can also check the status of the payment in your Customer Area
  8. You deliver the order to the shopper.

Payment method types

The following payment method types are used for cash payments at convenience stores in Indonesia through our partner DOKU:

name type
Alfamart doku_alfamart
Indomaret doku_indomaret

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