PT Nusa Satu Inti Artha

What PT Nusa Satu Inti Artha does

PT Nusa Satu Inti Artha, operating commercially as DOKU, is an Indonesian payment technology company headquartered in Jakarta that provides a unified payment gateway platform connecting merchants to 45+ payment methods spanning bank transfers, debit and credit cards, e-wallets (OVO, DANA, LinkAja), QRIS, paylater services (Akulaku, Kredivo, Indodana), and over-the-counter cash payments at convenience stores (Alfamart, Indomaret). The platform is built around three core product lines: Accept Payments (with hosted Checkout, Direct API, Plugin, Payment Link, Digital Catalog, and QRIS sub-products), Payouts (domestic and cross-border), and Wallet as a Service (Embedded Wallet and Sub Account). The architecture is a classic platform-plus-modules design supporting both no-code integration (Payment Link, Digital Catalog) and developer-led REST API integration with sandbox and plugin support for major e-commerce platforms.

DOKU operates under a Bank Indonesia PJP Level 1 license covering Payment Gateway, Remittance, E-money, E-Wallet, and QRIS services, and is certified to PCI DSS and ISO/IEC 27001 standards with AES 256 encryption. The company reports 150,000+ merchants, 360+ million processed transactions, 330+ trillion IDR in cumulative transaction volume, and 4 million+ end users, with a customer base that spans Indonesian enterprises (Garuda Indonesia, Lazada, Zalora, H&M, Pizza Hut Delivery, Pertamina, Jetstar) and a long tail of UMKM (small and medium enterprises). The customer roster is heavily skewed toward Indonesian retail, e-commerce, travel, logistics, and financial services segments.

The business model is transaction-based: DOKU charges percentage-based fees on each successful payment processed through the platform, plus fees for payout and cross-border remittance services, and platform/licensing fees for white-label wallet offerings. Pricing is quote-based and not publicly disclosed, with rate variations by payment method, business type, and volume. The go-to-market combines self-serve onboarding (10-minute merchant activation via a public dashboard), an enterprise field sales motion for large-volume clients, and a partner API program for resellers and integrators. The company operates with a notably lean staff of approximately 30 employees and no disclosed external funding rounds or investor information.

Name

PT Nusa Satu Inti Artha

Legal name

PT Nusa Satu Inti Artha (DOKU)

Website

https://nsiapay.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

PT Nusa Satu Inti Artha (DOKU) is an Indonesian payment gateway platform headquartered in Jakarta, connecting merchants to 45+ payment methods including bank transfers, cards, e-wallets, QRIS, paylater, and cash, and serving enterprise clients and over 150,000 UMKM merchants across Indonesia.

Ownership category

akta.pro rank

Product category

Payment Processing & Gateway Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

PSP Aggregators / PayFac Enablement (Gateway Layer) (FSAMACAK), Alternative Payment Methods (APMs) & Local Rails (ACH/SEPA/UPI, etc.) (CRAFALAG)

Keywords

• Payment gateway services
• Online payment processing
• Digital wallet solutions
• Merchant payment acceptance
• Cross-border payouts

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Payment Gateway Transaction Fees: Transaction-based fees charged on each payment processed through the platform. Merchants pay percentage-based fees per successful transaction across all supported payment methods including cards, bank transfers, e-wallets, and QRIS.
2. Payout Services: Fees for domestic and cross-border fund transfer services. Charges apply per payout transaction for fund distribution to partners, merchants, or international recipients.
3. Wallet as a Service: Platform fees for white-label wallet solutions enabling platforms to offer embedded digital payment capabilities to their users.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels7 records

Core offering

PT Nusa Satu Inti Artha (DOKU) operates a payment gateway platform enabling Indonesian businesses to accept online and offline payments through 45+ payment methods including bank transfers, credit/debit cards, e-wallets (OVO, DANA, LinkAja), QRIS, paylater services (Akulaku, Kredivo, Indodana), and over-the-counter cash payments at convenience stores. The platform also provides domestic and cross-border payout services, white-label embedded wallet infrastructure, sub-account management, and chat-based payments (PayChat) via hosted checkout pages, REST API integration, and ready-made e-commerce plugins.

Product overview

DOKU operates as a comprehensive payment technology platform offering three core product lines: Accept Payments (Payment Gateway with Checkout, Direct API, Plugin, Payment Link, Digital Catalog, and QRIS sub-products), Payouts (Cross Border and Domestic sub-products), and Wallet as a Service (Embedded Wallet and Sub Account sub-products). The platform connects businesses to 45+ payment methods including banks, cards, e-wallets, paylater services, and over-the-counter cash payments. DOKU also offers PayChat as an additional product. The architecture follows a platform-plus-modules design where Accept Payments serves as the primary revenue-generating gateway, Payouts enables fund disbursement, and Wallet as a Service provides white-label wallet infrastructure for partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Accept Payments (Payment Gateway) Payment Gateway solution enabling businesses to accept online payments through multiple channels including bank transfers, cards, e-wallets, and cash payments across 45+ payment methods.
• Checkout Ready-to-use hosted checkout page that enables fast no-code integration for businesses to accept payments without custom development.
• Direct API Full-control REST API integration allowing businesses to customize their payment page appearance and behavior.
• Plugin Plugin integrations for popular e-commerce platforms (Magento, WooCommerce, others) to enable payment acceptance in online stores.
• Payment Link Shareable payment link enabling businesses to accept payments without requiring a website or app integration.
• Digital Catalog Digital catalog feature enabling businesses to sell products through ready-to-use digital catalogs with integrated payment.
• QRIS QRIS-enabled payment solution allowing businesses to accept all QR-based payments with a single QR code.
• Cross Border Payouts International payout service enabling secure global fund transfers to Indonesian partners.
• Domestic Payouts Fast local fund transfer service enabling businesses to send money to domestic partners and suppliers.
• Embedded Wallet White-label digital wallet solution enabling businesses to create branded wallet experiences within their platforms.
• Sub Account Multi-account management product providing fund visibility and control across different team members or business units.
• PayChat Chat-based payment solution enabling transactions through messaging interface.

Quantifiable outcome

• 150,000+ merchants onboarded
• +5 more outcomes

Named customers8 records

Segments7 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration21 records

Feature10 records

Partnerships

One partnership is on record.

• Dukcapil (Ministry of Home Affairs)coreTechnology or IntegrationPartnership with Dukcapil for identity verification services. This integration enables DOKU to verify user identities through the national population database, supporting Know Your Customer (KYC) requirements for compliance with Indonesian financial regulations.

Scale indicators4 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Ayoconnect: Ayoconnect is an Indonesian payment infrastructure provider offering payment aggregation, disbursements, and open finance APIs. It competes with DOKU on Indonesian payment routing and partner-payout use cases for fintech and enterprise clients.
• Xendit: Xendit is Indonesia's largest venture-backed payment gateway, offering online payments, disbursements, and multi-method acceptance. It is the most direct competitor to DOKU, serving similar Indonesian SMB and enterprise merchants with overlapping payment rails (cards, e-wallets, QRIS, virtual accounts).
• iPay88: iPay88 is a Southeast Asian payment gateway offering multi-method acceptance (cards, FPX, e-wallets, direct debits) across Malaysia, Indonesia, Thailand, Philippines, and Vietnam. Comparable to DOKU in core payment gateway functionality and Indonesian enterprise focus.
• Midtrans: Midtrans is the payment gateway of GoTo Group, providing card, bank transfer, e-wallet, and convenience-store payment acceptance across Indonesia. It directly competes with DOKU across the same merchant segments and Indonesian payment methods, including QRIS and e-wallet integrations.
• Finpay: Finpay is an Indonesia-focused payment gateway and aggregator supporting virtual accounts, e-wallets, QRIS, and cards. It directly overlaps with DOKU in Indonesian SMB and enterprise payment acceptance and payout services.

Broad incumbents

• PayPal: PayPal is a global payments incumbent offering merchant services, digital wallets, and cross-border payment acceptance. It overlaps with DOKU in cross-border payment acceptance and merchant acquiring for international brands selling into Indonesia.
• Adyen: Adyen is a global enterprise payment processor offering unified commerce, online and in-person payments. It competes with DOKU at the high-value enterprise tier in Indonesia where global brands (e.g., H&M, Zalora) seek single-integration multi-market acquiring.
• Stripe: Stripe is a global payment platform offering merchant acquiring, APIs, and orchestration at scale. It overlaps with DOKU at the API-first payment gateway layer and increasingly targets Indonesian enterprise and platform merchants as it expands in Southeast Asia.

Others

• OVO: OVO is one of Indonesia's largest e-wallets, integrated into DOKU's payment gateway as a built-in acceptance channel. It is an adjacent ecosystem participant rather than a direct competitor, but represents both a partner and a potential disintermediation threat in wallet-led payments.

Regional players

• 2C2P: 2C2P is a Thailand-headquartered regional payment processor spanning cards, alternative payments, and payouts across Southeast Asia. Comparable to DOKU in payment gateway breadth, though its primary geographic focus is Thailand and ASEAN rather than Indonesia-only.

Market position

Weaknesses5 records

Competitive moat5 records

Key risks2 records

Key highlights6 records

Customer concentration

• Xx.com/dokuid
• YouTubeyoutube.com/c/DOKUID
• Facebookfacebook.com/DOKUid
• LinkedInlinkedin.com/company/pt-nusa-satu-inti-artha
• Instagraminstagram.com/dokuid

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about PT Nusa Satu Inti Artha