specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: DOKU
providerId: doku
created: '2026-07-17'
modified: '2026-07-17'
reconciled: false
tags:
- Payments
- Payment Gateway
- Indonesia
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of DOKU acceptance and disbursement costs. Unlike usage-metered
  API vendors, DOKU's cost is the per-transaction Merchant Discount Rate (MDR)
  deducted from settlement, plus flat per-transaction fees on some channels and
  per-disbursement fees on Kirim payout. All charges are in Indonesian Rupiah
  (IDR). Cost management is about channel mix (steering to lower-MDR channels
  like Virtual Account/QRIS vs. cards), settlement timing, and reconciliation.
notes: >-
  Channel MDRs and flat fees vary by merchant agreement and business category;
  verify against the DOKU Back Office statements. Currency is IDR.
sources:
- https://www.doku.com/en-us/products/payment-gateway
- https://developers.doku.com/
- https://focus.finops.org/focus-specification/v1-3/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: DOKU
serviceCategory: Payment Processing
billingModel:
  pricingCategory: Transaction-Based
  billingFrequency: Per-Transaction (netted at settlement)
  billingCurrency: IDR
  chargeCategories:
  - Usage
  - Tax
  - Adjustment
focusColumns:
  ServiceName: DOKU Payment Gateway
  ServiceCategory: Payment Processing
  ProviderName: DOKU
  PublisherName: DOKU
  InvoiceIssuerName: PT Nusa Satu Inti Artha
  BillingCurrency: IDR
  ChargeCategory: Usage
  PricingCategory: Transaction-Based
meters:
- name: card_transactions
  description: Card acceptance MDR (percentage + flat fee) per successful card payment.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - channel
- name: virtual_account_transactions
  description: Flat per-transaction fee per Virtual Account settlement.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - bank
- name: qris_transactions
  description: QRIS regulated MDR (percentage) per successful QR payment.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
- name: ewallet_transactions
  description: e-Wallet MDR (percentage, varies by wallet) per successful debit.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - wallet
- name: payout_transactions
  description: Flat fee per Kirim disbursement to a recipient bank account.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - beneficiaryBank
principles:
- name: Visibility
  description: Reconcile DOKU Back Office settlement statements against internal orders; track MDR and flat fees per channel.
- name: Allocation
  description: Tag transactions by channel, merchant sub-account, and business unit; map settlement deductions to cost centers.
- name: Optimization
  description: Steer customers toward lower-MDR channels (Virtual Account, QRIS) where appropriate; batch payouts; monitor failed-transaction retries.
- name: Accountability
  description: Assign an owner for payment-cost review; monitor effective take rate and settlement timing monthly.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com