Become an Internet Merchant
To accept real time credit card payments (or other alternative payment options) through your website via DOKU, you must have an Internet Merchant Account.
This Internet Merchant Account is a temporary holding account, but will allow you to specify a settlement account into which you deposit all funds processed for each business day. Through the use of the Internet Merchant Account, DOKU never actually holds fund on your behalf, but instead allows the acquiring banks to process them directly into your own account.
Your Internet Merchant Account MUST be Internet specific, and CANNOT be the same as your EDC terminal.
DOKU works with the following banks to process on line credit card payments;
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You may select any one of these banks, or all 3, to issue you with an Internet Merchant Account.
A Helpful Checklist
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Registered Indonesian Business
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Product and Service Website - Most banks will require that your website is ready and for you to provide information and a live demonstration or screen shots of your e-Commerce business website.
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Business Risk Assessment - The acquiring bank may request that you provide them with a full description of your business process. This will explain the product that you sell, how it is delivered, customer complaint handling, and contact details.
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Refund Policy - Your acquiring bank will request that you provide them with your refund policy, as part of your application for an Internet Merchant Account. What are the terms and conditions on refund acceptance? How do you process a refund request? What are the costs of a refund?
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Contact Details - The acquiring bank will require that your website clearly displays your contact details for your customers. This may include physical address details, postal address details, phone numbers, and email addresses.
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Next Step - The acquiring bank will assign a Merchant ID and Terminal ID to your Internet Merchant Account, and deliver this information to DOKU. Your website is now ready to sell.