DOKU Expands Indonesia’s Digital Payments Ecosystem as Cross-Border Transactions Grow

**JAKARTA —** Indonesia's rapidly expanding digital economy is creating growing demand for integrated payment infrastructure. As digital transactions increase and cross-border commerce becomes more important, payment technology companies such as [DOKU](https://www.doku.com/) are broadening their role from payment gateway providers to wider payment and financial technology platforms for businesses. Established in 2007, DOKU, operated by PT Nusa Satu Inti Artha, is one of Indonesia's early payment gateway providers. The company offers businesses a range of payment services, from accepting digital payments to fund disbursement and solutions that enable businesses to build digital wallet capabilities. ## From Payment Gateway to Payment Platform DOKU initially became known as a payment gateway provider helping businesses accept digital payments. As Indonesia's payment ecosystem has evolved, the company's service portfolio has expanded. Today, DOKU offers merchants access to multiple payment methods, including cards, bank transfers, virtual accounts, e-wallets, QRIS, convenience-store payments and other payment channels. The company says its platform connects businesses to more than 45 payment methods. Its portfolio also includes payment gateway services, payment links, payouts or disbursement, and Wallet as a Service. These services are designed for businesses ranging from small enterprises to large corporations. According to figures published by DOKU on its website, the company serves more than **150,000 merchants**, has processed more than **360 million transactions**, and has recorded transaction volume exceeding **Rp330 trillion**. DOKU also reports more than **4 million users**. These figures are company-reported data. ## Operating Within Indonesia’s Payment Regulatory Framework The growth of digital payment services has also increased the importance of security, compliance and regulatory oversight. DOKU states that PT Nusa Satu Inti Artha is licensed by Bank Indonesia as a Category 1 Payment Service Provider. According to the company's regulatory documentation, which cites Bank Indonesia, DOKU holds five licenses covering: * Payment Gateway * Disbursement/Remittance * Electronic Money * Electronic Wallet * QRIS For card-payment security, DOKU also states that it holds **PCI DSS Level 1 Service Provider** certification. The standard relates to the security of payment card data and processing. Compliance becomes increasingly important as payment companies move beyond domestic transactions and help connect Indonesian merchants with consumers and businesses in international markets. ## Strategic Partnership with Ant International One of the notable developments in DOKU's strategy in 2026 is its expanded strategic partnership with **Ant International**. Announced in February 2026, the partnership aims to broaden cooperation in digital payments, business digitization and financial technology. DOKU and Ant International had already been working together since 2024, including enabling Indonesian merchants to accept payments from Alipay users through DOKU's payment gateway. Under the expanded partnership, DOKU says it will work with **Antom** and **2C2P** to help Indonesian merchants process cross-border transactions and expand into regional markets. The collaboration also includes multi-currency transaction capabilities and the exploration of financing and treasury-management services for merchants. The companies also plan to explore AI-powered applications, including agentic AI solutions through **GenAI Cockpit**. For DOKU, the direction suggests that competition in payments is increasingly moving beyond transaction processing alone. Payment infrastructure is becoming closely linked to business expansion, cross-border commerce, financial management and technology designed to support merchant decision-making. ## Indonesia’s Digital Payment Growth The expansion of payment companies is taking place as digital payment usage continues to accelerate in Indonesia. Bank Indonesia reported that digital payment transaction volume reached **5.22 billion transactions in May 2026**, representing **28.14 percent year-on-year growth**. Transactions through mobile applications increased 26.16 percent, while internet-based transactions grew 15.51 percent. QRIS transactions recorded even stronger annual growth of **95.10 percent** during the same period. The figures reflect the broader adoption of digital payment channels among consumers and merchants. For payment infrastructure providers, this creates a growing requirement for systems that are not only easy to use, but also capable of supporting multiple payment methods, maintaining transaction security and meeting increasingly sophisticated business requirements. ## Merchant Focus and Regional Expansion DOKU says its expanded partnership with Ant International is also intended to help Indonesian merchants expand internationally. Through Antom's payment network and collaboration with 2C2P, Indonesian businesses are expected to gain broader access to cross-border payment processing. At the same time, international merchants entering Indonesia can access local payment methods through DOKU, including QRIS, virtual accounts, convenience-store payments and e-wallets. The strategy places DOKU at the intersection of Indonesia's large domestic market and the broader development of cross-border digital commerce in Southeast Asia. DOKU also has a presence in Malaysia through **senangPay**. DOKU's regulatory documentation states that Simplepay Gateway Sdn Bhd, which operates senangPay, is registered as a Merchant Acquirer with Bank Negara Malaysia. ## Challenges Facing the Digital Payments Industry The growth of digital payments brings both opportunities and challenges for the industry. Payment providers must address cybersecurity, data protection, regulatory compliance, system reliability and the integration of increasingly diverse payment methods. Meanwhile, rising cross-border transactions make issues such as currency conversion, settlement, fraud prevention and treasury management increasingly important for merchants. Artificial intelligence could also change how payment companies provide services to businesses. However, deploying AI in financial services requires careful attention to security, accuracy, privacy and regulatory compliance. ## Looking Ahead DOKU is entering its next stage of development as Indonesia's digital payment ecosystem becomes increasingly mature and businesses seek more integrated financial infrastructure. The company reported that its transaction value grew **79 percent in 2025 compared with 2024**. The figure was disclosed by DOKU CEO Chris Yeo in the company's announcement of its strategic partnership with Ant International. With its domestic merchant network, payment licenses in Indonesia and expanding regional partnerships, DOKU's trajectory is no longer limited to payment acceptance. It is increasingly focused on how payment infrastructure can help Indonesian businesses connect with international markets. The development comes as Indonesia's payment system undergoes a broader transformation. As digital transactions continue to grow and cross-border commerce becomes increasingly interconnected, companies such as DOKU are operating at the center of a wider shift in how consumers and businesses transact in the digital economy. ## Sources * DOKU — Company and payment services information * DOKU — Licensing and security documentation * DOKU — Strategic partnership announcement with Ant International * Bank Indonesia — Payment system and digital transaction statistics * Bank Negara Malaysia — Payment service provider registration information