Duitku

Payment Processing Servicesduitku.com

Duitku is an Indonesia-licensed payment gateway and disbursement provider (PJSP) enabling merchants to accept 26+ payment methods and send bulk fund transfers via API, plugins, and a hosted dashboard. It serves SMB and enterprise customers across e-commerce, media, automotive, financial services, and education verticals.

Company typePrivate
Founded2015
HeadquartersJakarta, Indonesia
Headcount51–100
GTM typeB2B
OfferingSoftware

What Duitku does

Duitku, operated by PT Kharisma Catur Mandala, is an Indonesian Payment System Service Provider (PJSP) offering a unified payment platform built around two core products: a Payment Gateway for accepting online payments and a Disbursement service for sending bulk fund transfers. The platform supports 26+ payment channels spanning virtual accounts from major Indonesian banks (BCA, BNI, BRI, CIMB, Mandiri, Permata, BSI, Danamon, Maybank, Bank Neo Commerce), e-wallets (OVO, ShopeePay, Dana, LinkAja), QRIS, credit/debit cards (Visa, Mastercard, JCB, Amex), retail outlets (Indomaret, Alfamart, Pos Indonesia, Pegadaian), paylater options (Indodana, Atome), and e-banking (Jenius Pay). Merchants integrate via REST API (Classic or POP variants), JavaScript SDK, mobile SDKs, or pre-built CMS plugins for 15+ platforms including WooCommerce, Magento, PrestaShop, OpenCart, WHMCS, Drupal, Odoo, and Moodle. Underlying technology includes a Fraud Detection System using machine learning on historical transactions, 3D Secure authentication for card payments, Google Authenticator-based 2FA for disbursement access, and Bank Indonesia SNAP API compliance.

The business model is purely transaction-based with no registration or maintenance fees; Duitku earns an MDR (merchant discount rate) that varies by payment method and channel cost (e.g., Indodana paylater at 2.3% MDR, Indomaret at MDR + Rp 1,000, Alfamart/Pos/Pegadaian at flat Rp 2,500 with H+2 settlement). Go-to-market is API-first with self-serve merchant registration, sandbox testing environment, and a direct sales team for enterprise and disbursement customers. Customer segments span SMB/individual merchants using self-serve onboarding and enterprise clients such as Toyota, Media Indonesia, Niagahoster, Bank Neo Commerce (KNC), Metrodata Online, and Vocagame across media, automotive, financial services, education, hosting, and services verticals. The company is regulated by Bank Indonesia under license 23/660/DKSP/Srt/B, registered as an Electronic System Operator with Kominfo, and holds ISO 27001 certification from TUV Rheinland.

Duitku firmographics

Firmographics

Name: Duitku
Legal name: PT Kharisma Catur Mandala
Website: https://duitku.com
Company type: Private
Founded year: 2015
Operating status: Operating
Headcount range: 51–100 employees
Short description: Duitku is an Indonesia-licensed payment gateway and disbursement provider (PJSP) enabling merchants to accept 26+ payment methods and send bulk fund transfers via API, plugins, and a hosted dashboard. It serves SMB and enterprise customers across e-commerce, media, automotive, financial services, and education verticals.
Ownership category
akta.pro rank

Duitku industry classification

Industry

Product category: Payment Processing Services
NAICS: Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)
SIC: Services-Computer Processing & Data Preparation (7374), Services-Prepackaged Software (7372)
akta.pro primary industry: Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
akta.pro secondary industry: Merchant & Payment Facilitator (PayFac) Underwriting / KYB (FSAMAMAJ)

Keywords

Payment gateway services
Online payment processing
Bulk fund disbursement
Virtual account payments
E-commerce payment integration

Where Duitku is headquartered

Location

Headquarters

HQ city: Jakarta
HQ country: Indonesia
HQ region: Asia

Offices2 records

Markets served

Duitku business model

Business model

GTM type: B2B
Offering type: Software
Cost components: Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

Transaction Processing Fees: Duitku charges fees per successful transaction based on payment method used. No registration or maintenance fees. Fees vary by channel: virtual accounts, e-wallets, QRIS, credit cards, retail outlets, and paylater each have different rate structures.

Pricing tiers

Model	Billing	Price
Transaction based/ take rate	Pay-as-you-go	Transaction-based pricing with no fixed costs

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Duitku product offering

Product offering

Core offering

Duitku is an Indonesian payment gateway and disbursement platform that enables online merchants to accept 26+ local payment methods (virtual accounts, e-wallets, QRIS, credit/debit cards, retail outlets, and paylater) and to send automated 24/7 bulk payouts to bank accounts, e-wallets, or cash pickup points. The service is delivered via REST API, JavaScript-based Duitku POP checkout, pre-built CMS plugins, and a web-based merchant dashboard, supported by a machine learning Fraud Detection System and 3D Secure authentication.

Product overview

Duitku is a Payment System Service Provider (PJSP) operating as PT Kharisma Catur Mandala, offering a unified payment platform centered on two core products: Payment Gateway (for accepting online payments) and Disbursement (for sending bulk fund transfers). The platform provides 26+ payment channels across virtual accounts, e-wallets, QRIS, credit/debit cards, retail outlets, and paylater options. Integration is available via direct REST API (Classic and POP variants), browser-based JavaScript integration, mobile SDKs for Android and iOS, or pre-built CMS/e-commerce plugins. The merchant dashboard enables transaction management, reporting, team collaboration, instant settlements, and batch disbursements. A Fraud Detection System powered by machine learning is embedded to protect transactions.

Differentiator

Problem solved

Functional benefit

Brands

Duitku POP: A streamlined one-step payment integration solution featuring a pop-up payment page that reduces integration complexity compared to the standard Duitku API.

Products and services

Payment Gateway Core online payment acceptance service enabling Indonesian merchants to receive payments through 26+ payment methods including virtual accounts (BCA, BNI, BRI, CIMB, Permata, Danamon, BSI, Bank Neo Commerce, Bank Sahabat Sampoerna), e-wallets (OVO, ShopeePay, Dana, LinkAja), QRIS, credit/debit cards (Visa, Mastercard, JCB, American Express), retail outlets (Indomaret, Alfamart, Pos Indonesia, Pegadaian), and paylater options (Indodana, Atome). Supports both aggregator and facilitator models for credit card processing.
Disbursement Automated bulk fund transfer service allowing corporate merchants to send money 24/7 to any bank account, e-wallet, or cash pickup point through retail networks (Indomaret, Pos Indonesia) across Indonesia. Includes Cash to Account and Remittance options through Pos Indonesia with limits up to IDR 15,000,000. Requires corporate merchant registration and Google Authenticator 2FA.
Duitku POP Pop-up payment integration product that bundles Duitku's entire 26+ payment channel set into a single JavaScript file, reducing checkout integration to one step. Displays a unified payment page directly within the merchant's website or app, available as an alternative to the classic redirect-based API integration.

Quantifiable outcome

Automated 24/7 payment processing eliminating manual verification
+1 more outcomes

Companies that use Duitku

Customer profile

Named customers13 records

Segments4 records

Ideal customer profiles2 records

Duitku technology and API

Technology

Technology focussed Yes

API detail

Has API: Yes
API docs
API detail

Core technology

AI maturity

App detail

Integration44 records

AI capability2 records

Feature6 records

Duitku partnerships and signals

Strategic signal

Partnerships

Twelve partnerships are on record, tiered core and minor.

Bank IndonesiacoreStrategic or Co-development PartnerRegulatory licensing partnership providing official authorization to operate as Transfer Funds and Payment Gateway (PJSP). License number 23/660/DKSP/Srt/B.
Ministry of Communication and Informatics (Kominfo)coreStrategic or Co-development PartnerRegistered Electronic System Operator (PSE) partnership for regulatory compliance in Indonesia's digital payment ecosystem. Registration number 000972.01/DJAI.PSE/06/2021.
IndomaretcoreTechnology or IntegrationCash payment and disbursement partnership with Indonesia's largest retail chain (nearly 19,000 outlets). Enables merchants to accept cash payments and send cash disbursements to customers.
PT Pos IndonesiacoreTechnology or IntegrationCash disbursement partnership leveraging Indonesia Post's network of over 24,000 service points. Enables cash-out for unbanked customers nationwide.
OVOcoreTechnology or IntegrationE-wallet payment channel integration for receiving payments and disbursements via OVO digital wallet.
ShopeePaycoreTechnology or IntegrationE-wallet payment channel integration for receiving payments via ShopeePay with account linking and QRIS support.
DanacoreTechnology or IntegrationE-wallet payment channel integration for receiving payments via Dana with QRIS support.
LinkAjacoreTechnology or IntegrationE-wallet payment channel integration for receiving payments via LinkAja with QRIS support.
BCA, BNI, BRI, CIMB, Permata, Mandiri, Maybank, Danamon, BSI, Bank Neo Commerce, Bank Sahabat SampoernacoreTechnology or IntegrationVirtual account payment channel partnerships with major Indonesian banks enabling bank transfer payments through each bank's digital and ATM channels.
AlfamartcoreTechnology or IntegrationRetail outlet payment partnership for cash payments at Alfamart stores with Rp 2,500 fee and H+2 settlement.
PegadaiancoreTechnology or IntegrationRetail outlet payment partnership for cash payments at Pegadaian state pawnshop locations.
TUV RheinlandminorStrategic or Co-development PartnerQuality certification partnership providing security and quality assurance certification for payment systems.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Duitku competitors and assessment

Company assessment

Direct peers

Xendit: Indonesia- and Southeast Asia-focused payment gateway offering API-based payment acceptance, disbursements, and lending. Closest direct competitor to Duitku, serving similar SMB and enterprise merchants in Indonesia with overlapping bank and e-wallet integrations, but at significantly larger scale and venture-backed.
Midtrans: Indonesian payment gateway owned by GoTo Group, offering online payment processing, disbursements, and credit card acquiring. Directly competes with Duitku across Indonesian merchants with the added distribution advantage of GoTo's ecosystem (GoPay, Tokopedia, Gojek).
Doku: One of Indonesia's earliest payment gateway providers, offering online payments, e-money, and disbursement services. Closely comparable to Duitku's product scope and Indonesian market focus, with similar enterprise and SMB merchant targeting.
Finpay: Indonesian payment gateway and disbursement platform serving SMB and enterprise merchants. Directly comparable to Duitku in target market, product offering (payment acceptance plus payouts), and Indonesia-only geographic focus.
iPaymu: Indonesian payment gateway providing online payment acceptance across virtual accounts, e-wallets, and retail outlets. Directly competes with Duitku for Indonesian SMB and enterprise merchants, with similar local payment method coverage.
Flip: Indonesian fintech platform originally focused on peer-to-peer transfers that has expanded into B2B disbursements and corporate payouts. Comparable to Duitku's disbursement product in particular, serving Indonesian businesses with bulk transfer use cases.

Broad incumbents

Adyen: Global enterprise payment platform offering unified payment processing, acquiring, and disbursements. Broad incumbent operating across multiple geographies and verticals with overlapping core functionality to Duitku, but at vastly larger scale and focused on global enterprise rather than Indonesian SMB.
Stripe: Global payment infrastructure platform providing online payment processing, payouts, and embedded finance APIs. Overlaps with Duitku's core API-first payment gateway offering and developer-centric GTM motion, but Stripe is not specifically tailored to Indonesian retail/QRIS/cash channels.

Regional players

2C2P: Southeast Asia-focused payment gateway with strong presence in Thailand, Singapore, and other regional markets. Comparable to Duitku in payment orchestration across multiple payment methods, but primarily serves different Southeast Asian geographies rather than competing directly in Indonesia.

Emerging players

Razorpay: India-focused payment gateway and fintech platform offering payment acceptance, payouts, and lending. Comparable to Duitku in API-first architecture, developer focus, and emerging-market payment complexity, though serving the Indian market rather than Indonesia.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Duitku compliance and trust

Trust signal

Compliance5 records

Duitku financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Duitku leadership team

Management profile

Number of profiles

Profiles2 records

Duitku funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Duitku M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Duitku

What does Duitku do?

Is Duitku a public or private company?

Duitku is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was Duitku founded?

Duitku was founded in 2015. It employs 51 to 100 people.

Where is Duitku based?

Duitku is headquartered in Jakarta, Indonesia, in the Asia region.

How does Duitku make money?

One revenue line is on record: transaction Processing Fees.

Who are Duitku's main competitors?

Direct peers on record are Xendit, Midtrans, Doku, Finpay, iPaymu and Flip. Broad incumbents are Adyen and Stripe. 2C2P is listed as a regional player. Razorpay is listed as an emerging player.

Does Duitku have an API?

Yes. Duitku offers a REST API for Payment Gateway (createInvoice endpoint) and a separate Disbursement API. Authentication uses signature (HMAC SHA256), timestamp, and merchant code. Available in both production and sandbox environments. The API supports credit cards, virtual accounts, e-wallets, QRIS, retail outlets, paylater, e-banking, and e-commerce payment channels. Features include callback notifications, redirect URLs, and dual integration modes (Classic and POP). PHP and JavaScript (Node.js) libraries available via Packagist and npm. Developer documentation is at docs.duitku.com.

What industry is Duitku in?

Duitku's product category is Payment Processing Services. Its primary akta.pro industry code is FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure, with a secondary code of FSAMAMAJ, Merchant & Payment Facilitator (PayFac) Underwriting / KYB. Its NAICS code is 5182 and its SIC code is 7374.