DOKU website screenshot

DOKU

DOKU (PT Nusa Satu Inti Artha) is Indonesia's pioneering payment gateway, founded in 2007 and licensed by Bank Indonesia as a Category 1 Payment Service Provider. Its developer platform exposes a hosted Checkout API plus a full suite of Bank Indonesia SNAP (Standar Nasional Open API Pembayaran) endpoints for Virtual Account, e-Wallet, Direct Debit, QRIS, and Kirim (payout/disbursement), all settling in Indonesian Rupiah (IDR).

DOKU publishes 6 API contracts indexed on the APIs.io network, including Access Token API, Checkout API, Direct Debit & e-Wallet API, and 3 more. Tagged areas include Payments, Payment Gateway, Fintech, Indonesia, and SEA.

The DOKU catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

DOKU’s developer surface includes authentication, documentation, engineering blog, sandbox, getting-started guide, support, pricing, and 32 more developer resources.

66.4/100 strong ▬ flat Agent 33/100 agent ready Front door AI 1/6 silent Heartbeat 94/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →
AccessPaid
1 published contract 1 MCP Servers 5 Agent Skills
PaymentsPayment GatewayFintechIndonesiaSEASNAPVirtual AccountsDigital WalletQRISDirect DebitPayouts

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Consumer Commerce
AE-140
CheckoutDirect Debit & e-WalletQRISVirtual Account
POST /direct-debit/core/v1/debit/payment-host-to-host POST /snap-adapter/b2b/v1.0/qr/qr-mpm-generate POST /checkout/v1/payment POST /virtual-accounts/bi-snap-va/v1.1/transfer-va/create-va

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0
Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Show this score on your site. Kin Score badge preview for DOKU It updates itself when the score changes. Paste this where you link to your API docs:
<a href="https://apis.io/providers/doku/"><img src="https://apis.io/badge/doku/card.svg" alt="DOKU on APIs.io — Kin Score by API Evangelist"></a>
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Raise your score.
Agent readiness — checks not met, largest first (exact, from this profile):
  • MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
  • A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
  • Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
  • Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
  • Protected Resource Metadata +5 pts — a served /.well-known/oauth-protected-resource carrying `resource` (documented), and naming its authorization_servers (verified)
  • Agentic Commerce Well-Known Document +5 pts — a parsing /.well-known/ucp.json or acp.json declaring a version and at least one service, OR (0.27) a live x402 payment challenge from _data/x402-adoption.json — `self` when its endpoints are on the provider's own domain, `platform` when they are on a vendor's
3 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/doku/apis.yml: open an issue on github.com/api-evangelist/doku to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

measured — observed by APIs.io (published)

APIs 6

Individual APIs this provider publishes, each with its own machine-readable definition.

DOKU Access Token API

SNAP B2B / B2B2C access-token issuance.

DOKU Checkout API

DOKU-hosted checkout page (non-SNAP).

DOKU Direct Debit & e-Wallet API

SNAP account binding and host-to-host debit for e-wallets and bank direct debit.

DOKU Payout API

Kirim DOKU disbursement to bank accounts.

DOKU QRIS API

SNAP QRIS Merchant-Presented Mode.

DOKU Virtual Account API

SNAP BI-SNAP Virtual Account lifecycle.

Postman Collections 6

Ready-to-run Postman collections for exercising this provider's APIs.

Open Collections 6

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

DOKU MCP Server

DOKU's official hosted Model Context Protocol server. It exposes DOKU's payment operations as MCP tools so AI agents can create payments on demand (checkout links, Virtual Accou...

MCP SERVER

Agent Skills 5

Packaged agent skills for driving this provider's APIs from an AI assistant.

DOKU API pricing

Prices published by DOKU, read 2026-10-28 from www.doku.com/en-us/pricing. A free plan or tier is listed.

PlanPrice
Card 2.80% + IDR 2,000
Includes: all upfront payment *Amex: 3.5% + IDR 2,000
Card installment 3 months (Visa & Mastercard) 5% + IDR 2,000
Card installment 6 months 7% + IDR 2,000
Card installment 12 months 9% + IDR 2,000
Bank Transfer (Virtual Account) IDR 4,000
Includes: *BCA: Rp4,500
QR Payment 0.7%
Includes: *0% for transactions of IDR 0–IDR 100,000
e-Wallet (DOKU e-Wallet, DANA) 1.5%
e-Wallet OVO 2% - 3.18%

All 29 plans, limits and sources →

Rate limits

Compiled by API Evangelist, not yet checked against DOKU's documentation. Rate-limit details →

Billed by: transaction · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Doku Plans Pricing

29 plans

PLANS

Doku Price Estimates

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Doku Rate Limits

3 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

DOKU

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Doku Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Doku Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

DOKU API Rules

59 rules · 55 errors 3 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Doku Overlay

4 actions · update · doku-openapi.yml

DERIVED

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Doku Authentication

apiKey/http · 4 schemes

SECURITY

Doku Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Doku Vulnerability Disclosure

security.txt · contact published

SECURITY

Doku Trust Center

PCI DSS Level 1 Service Provider, ISO/IEC 27001, AES-256 encryption standard

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Doku Agentic Access

19 operations · 18 acting

19 operations · 18 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Documentation 1

Reference material describing how the API behaves

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Scroll for all 7

Build 5

SDKs, sample code, and the tooling you integrate with

Access & Security 5

Authentication, authorization, and security posture

Operate 4

Status, limits, changes, and where to get help

Commercial 5

Pricing, plans, and the legal terms of use

Company 2

The organization behind the API

Other 2

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑
aid: doku
url: https://raw.githubusercontent.com/api-evangelist/doku/refs/heads/main/apis.yml
name: DOKU
kind: company
description: DOKU (PT Nusa Satu Inti Artha) is Indonesia's pioneering payment gateway, founded in 2007 and licensed by Bank
  Indonesia as a Category 1 Payment Service Provider. Its developer platform exposes a hosted Checkout API plus a full suite
  of Bank Indonesia SNAP (Standar Nasional Open API Pembayaran) endpoints for Virtual Account, e-Wallet, Direct Debit, QRIS,
  and Kirim (payout/disbursement), all settling in Indonesian Rupiah (IDR).
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/doku.png
x-docs-platform: gitbook
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-09-25
tags:
- Payments
- Payment Gateway
- Fintech
- Indonesia
- SEA
- SNAP
- Virtual Accounts
- Digital Wallet
- QRIS
- Direct Debit
- Payouts
tags_raw:
- Payments
- Payment Gateway
- Fintech
- Indonesia
- SEA
- SNAP
- Virtual Account
- E-Wallet
- QRIS
- Direct Debit
- Payouts
created: '2026-07-17'
modified: '2026-07-17'
specificationVersion: '0.23'
apis:
- aid: doku:doku-access-token-api
  name: DOKU Access Token API
  description: SNAP B2B / B2B2C access-token issuance.
  humanURL: https://developers.doku.com/accept-payments/doku-checkout
  baseURL: https://api.doku.com
  tags:
  - Access Token
  properties:
  - type: OpenAPI
    url: openapi/doku-access-token-api-openapi.yml
  - type: Documentation
    url: https://developers.doku.com/accept-payments/doku-checkout
  - type: APIReference
    url: https://developers.doku.com/accept-payments/doku-checkout/integration-guide/backend-integration
  - type: PostmanCollection
    url: collections/doku.postman_collection.json
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/get-token-api/b2b
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/virtual-account/bca-virtual-account
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/e-wallet/ovo
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/qris
  - type: Documentation
    url: https://developers.doku.com/payout/kirim-doku
- aid: doku:doku-checkout-api
  name: DOKU Checkout API
  description: DOKU-hosted checkout page (non-SNAP).
  humanURL: https://developers.doku.com/accept-payments/doku-checkout
  baseURL: https://api.doku.com
  tags:
  - Checkout
  properties:
  - type: OpenAPI
    url: openapi/doku-checkout-api-openapi.yml
  - type: Documentation
    url: https://developers.doku.com/accept-payments/doku-checkout
  - type: APIReference
    url: https://developers.doku.com/accept-payments/doku-checkout/integration-guide/backend-integration
  - type: PostmanCollection
    url: collections/doku.postman_collection.json
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/get-token-api/b2b
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/virtual-account/bca-virtual-account
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/e-wallet/ovo
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/qris
  - type: Documentation
    url: https://developers.doku.com/payout/kirim-doku
- aid: doku:doku-direct-debit-e-wallet-api
  name: DOKU Direct Debit & e-Wallet API
  description: SNAP account binding and host-to-host debit for e-wallets and bank direct debit.
  humanURL: https://developers.doku.com/accept-payments/doku-checkout
  baseURL: https://api.doku.com
  tags:
  - Direct Debit & e-Wallet
  properties:
  - type: OpenAPI
    url: openapi/doku-direct-debit-e-wallet-api-openapi.yml
  - type: Documentation
    url: https://developers.doku.com/accept-payments/doku-checkout
  - type: APIReference
    url: https://developers.doku.com/accept-payments/doku-checkout/integration-guide/backend-integration
  - type: PostmanCollection
    url: collections/doku.postman_collection.json
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/get-token-api/b2b
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/virtual-account/bca-virtual-account
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/e-wallet/ovo
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/qris
  - type: Documentation
    url: https://developers.doku.com/payout/kirim-doku
- aid: doku:doku-payout-api
  name: DOKU Payout API
  description: Kirim DOKU disbursement to bank accounts.
  humanURL: https://developers.doku.com/accept-payments/doku-checkout
  baseURL: https://api.doku.com
  tags:
  - Payout
  properties:
  - type: OpenAPI
    url: openapi/doku-payout-api-openapi.yml
  - type: Documentation
    url: https://developers.doku.com/accept-payments/doku-checkout
  - type: APIReference
    url: https://developers.doku.com/accept-payments/doku-checkout/integration-guide/backend-integration
  - type: PostmanCollection
    url: collections/doku.postman_collection.json
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/get-token-api/b2b
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/virtual-account/bca-virtual-account
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/e-wallet/ovo
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/qris
  - type: Documentation
    url: https://developers.doku.com/payout/kirim-doku
- aid: doku:doku-qris-api
  name: DOKU QRIS API
  description: SNAP QRIS Merchant-Presented Mode.
  humanURL: https://developers.doku.com/accept-payments/doku-checkout
  baseURL: https://api.doku.com
  tags:
  - QRIS
  properties:
  - type: OpenAPI
    url: openapi/doku-qris-api-openapi.yml
  - type: Documentation
    url: https://developers.doku.com/accept-payments/doku-checkout
  - type: APIReference
    url: https://developers.doku.com/accept-payments/doku-checkout/integration-guide/backend-integration
  - type: PostmanCollection
    url: collections/doku.postman_collection.json
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/get-token-api/b2b
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/virtual-account/bca-virtual-account
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/e-wallet/ovo
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/qris
  - type: Documentation
    url: https://developers.doku.com/payout/kirim-doku
- aid: doku:doku-virtual-account-api
  name: DOKU Virtual Account API
  description: SNAP BI-SNAP Virtual Account lifecycle.
  humanURL: https://developers.doku.com/accept-payments/doku-checkout
  baseURL: https://api.doku.com
  tags:
  - Virtual Accounts
  tags_raw:
  - Virtual Account
  properties:
  - type: OpenAPI
    url: openapi/doku-virtual-account-api-openapi.yml
  - type: Documentation
    url: https://developers.doku.com/accept-payments/doku-checkout
  - type: APIReference
    url: https://developers.doku.com/accept-payments/doku-checkout/integration-guide/backend-integration
  - type: PostmanCollection
    url: collections/doku.postman_collection.json
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/get-token-api/b2b
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/virtual-account/bca-virtual-account
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/e-wallet/ovo
  - type: Documentation
    url: https://developers.doku.com/accept-payments/direct-api/snap/integration-guide/qris
  - type: Documentation
    url: https://developers.doku.com/payout/kirim-doku
common:
- type: CapabilityMap
  url: capabilities/doku-capability-edges.yml
  name: DOKU Business Capability Map
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/doku/overview
- type: AgenticAccess
  url: agentic-access/doku-agentic-access.yml
- type: TrustCenter
  url: security/doku-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/doku-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/doku-domain-security.yml
- type: Authentication
  url: authentication/doku-authentication.yml
- type: GitHubOrganization
  url: https://github.com/PTNUSASATUINTIARTHA-DOKU
- type: Website
  url: https://www.doku.com/
- type: Documentation
  url: https://developers.doku.com/
- type: Plans
  url: plans/doku-plans-pricing.yml
- type: RateLimits
  url: rate-limits/doku-rate-limits.yml
- type: FinOps
  url: finops/doku-finops.yml
- url: https://www.doku.com/en-us/blog
  type: Blog
- type: Packages
  url: packages/doku-packages.yml
- type: SDKs
  url: packages/doku-packages.yml
- type: MCPServer
  url: mcp/doku-mcp.yml
- type: LLMsTxt
  url: llms/doku-llms.txt
- type: Overlay
  url: overlays/doku-overlay.yaml
- type: Conventions
  url: conventions/doku-conventions.yml
- type: Idempotency
  url: conventions/doku-conventions.yml
- type: ErrorCatalog
  url: errors/doku-problem-types.yml
- type: DeclineCodes
  url: errors/doku-decline-codes.yml
- type: Conformance
  url: conformance/doku-conformance.yml
- type: Compliance
  url: https://docs.doku.com/security/licenses
- type: Lifecycle
  url: lifecycle/doku-lifecycle.yml
- type: StatusPage
  url: https://status.doku.com
- type: Deprecation
  url: https://docs.doku.com/miscellaneous/snap-migration
- type: Sandbox
  url: sandbox/doku-sandbox.yml
- type: DataModel
  url: data-model/doku-data-model.yml
- type: Webhooks
  url: asyncapi/doku-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DeveloperPortal
  url: https://developers.doku.com/
- type: GettingStarted
  url: https://developers.doku.com/get-started-with-doku-api/user-registration
- type: Support
  url: https://help.doku.com/en/support/home
- type: Pricing
  url: https://www.doku.com/en-us/pricing
- type: SignUp
  url: https://dashboard.doku.com/bo/registration
- type: TermsOfService
  url: https://dashboard.doku.com/doku-agreement/terms-and-conditions
- type: PrivacyPolicy
  url: https://dashboard.doku.com/doku-agreement/privacy-policy
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

DOKU API — frequently asked questions

Does DOKU have an API?

Yes. APIs.io lists 6 APIs from DOKU, including DOKU Access Token API, DOKU Checkout API and DOKU Direct Debit & e-Wallet API, and 3 more.

Is there an OpenAPI specification for the DOKU API?

Yes. APIs.io indexes 6 OpenAPI specifications for DOKU, each linked for download from this page.

How do I authenticate with the DOKU API?

DOKU uses bearer-token authentication (apiKey/http · 4 schemes). The details are profiled on APIs.io as Doku Authentication.

How much does the DOKU API cost?

DOKU publishes its prices; its Card plan is 2.80% + IDR 2,000 as of 2026-10-28. APIs.io lists 29 pricing plans for DOKU, with each plan's price, limits and inclusions under Pricing on this page.

Does DOKU have an MCP server?

Yes. APIs.io lists 1 MCP server for DOKU: DOKU's official hosted Model Context Protocol server. It exposes DOKU's payment operations as MCP tools so AI agents can create payments on demand (checkout links, Virtual Account numbers, QRIS codes)

Is the DOKU API ready for AI agents?

DOKU has a Kin Score of 66.4 out of 100 (strong) and an Agent Readiness score of 32.8 (agent-ready), scored by API Evangelist on 2026-11-06.

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