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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.

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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 Developer

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
Explore the docs
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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Where Compliance Meets Confidence

Licensed infrastructure built to protect your payment ecosystem

Bank Indonesia

PJP Level 1, licensed operator for:

  • Payment Gateway
  • Remittance
  • E-money
  • E-Wallets
  • QRIS

AES 256

AES 256 certified for Security Encryption Standard

PCI DSS

Certified PCI DSS with periodic audits

ISO/IEC 27001

Certified for information security management standards

Kominfo: Ministry of Communication and Informatics

Electronic System Operator Registered at the Ministry of Communications and Information of the Republic of Indonesia

Kemenkeu: Ministry of Finance

Registered as Other Perception Institution (Acceptance Agent) in the Electronic State Revenue System

Dukcapil: Population and Civil Registration Agency

In partnership with Dukcapil for identity verification

Frequently Asked Questions

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

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