---
title: "Bank transfers and convenience store payments in Indonesia"
description: "Learn how to accept DOKU bank transfers and cash payments at convenience stores in Indonesia."
url: "https://docs.adyen.com/payment-methods/doku"
source_url: "https://docs.adyen.com/payment-methods/doku.md"
canonical: "https://docs.adyen.com/payment-methods/doku"
last_modified: "2023-02-06T15:40:00+01:00"
language: "en"
---

# Bank transfers and convenience store payments in Indonesia

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

[View source](/payment-methods/doku.md)

**Read more**

![payment-method-icon](/images/2/4/2/d/e/242de0fef7b1d8a5de3119b6a49def85763852c5-alfamart.png)  Learn about pricing and settlement services for [Alfamart, Indomaret, and bank transfers on adyen.com](https://www.adyen.com/payment-methods?gclid=EAIaIQobChMIuKXjhJX45AIVCs53Ch05QwEVEAAYASAAEgIqzfD_BwE#pmx=indonesia).

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

* [Bank transfer](#bank-transfer) through ATM, mobile banking, or online banking
* [Cash at a convenience store](#convenience-store)

| Payment type | Payment flow      | Countries | Currencies | [Recurring](/online-payments/tokenization) | [Refunds](/online-payments/refund)                           | [Partial refunds](/online-payments/refund/#refund-a-payment) | [Multiple partial refunds](/online-payments/refund) | [Separate captures](/online-payments/capture) | [Partial captures](/online-payments/capture/#partial-capture) | [Multiple partial captures](/online-payments/capture/#multiple-partial-captures) | [Chargebacks](/risk-management/chargeback-guidelines) |
| ------------ | ----------------- | --------- | ---------- | ------------------------------------------ | ------------------------------------------------------------ | ------------------------------------------------------------ | --------------------------------------------------- | --------------------------------------------- | ------------------------------------------------------------- | -------------------------------------------------------------------------------- | ----------------------------------------------------- |
| Cash and ATM | Additional action | ID        | IDR        | ![x](/user/data/smileys/emoji/x.png)       | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![x](/user/data/smileys/emoji/x.png)                         | ![x](/user/data/smileys/emoji/x.png)                | ![x](/user/data/smileys/emoji/x.png)          | ![x](/user/data/smileys/emoji/x.png)                          | ![x](/user/data/smileys/emoji/x.png)                                             | ![x](/user/data/smileys/emoji/x.png)                  |

## 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 |

## How do you want to integrate?

[![This is the web icon.](/user/pages/reuse/image-library/01.icons/web/web.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/doku/doku-web)

###### [Web](/payment-methods/doku/doku-web)

[Use our pre-built UI solutions to accept DOKU bank transfers and convenience store payments on your website.](/payment-methods/doku/doku-web)

[![This is the API only icon.](/user/pages/reuse/image-library/01.icons/api-only/checkout-api-only.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/doku/doku-api-only)

###### [API only](/payment-methods/doku/doku-api-only)

[Build your own UI to accept DOKU bank transfers and convenience store payments in your website, iOS, or Android app.](/payment-methods/doku/doku-api-only)

[![This is the Pay by Link icon.](/user/pages/reuse/image-library/01.icons/pay-by-link/pay-by-link.svg?decoding=auto\&fetchpriority=auto)](/unified-commerce/pay-by-link)

###### [Pay by Link](/unified-commerce/pay-by-link)

[Use Pay by Link to accept DOKU bank transfers and convenience store payments.](/unified-commerce/pay-by-link)
