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Payouts, Fees & Tax Schedule

Complete breakdown of Indonesian bank withdrawal rails, e-wallet payout limits, payment gateway MDRs, and taxation policies.

Last updated: August 2026•Applies to: Indonesian & Global Users

1. Cash-Clear Fee Structure

Dukkung operates on a transparent, receipt-honest fee structure. We do not charge monthly desk subscription fees, setup fees, or hidden foreign exchange conversion markups.

2. Payment Processing Fees (MDR)

Standard payment gateway interchange and Merchant Discount Rates (MDR) regulated by Bank Indonesia are deducted at transaction time:

  • QRIS (Universal Standard): 0.7% per transaction (Bank Indonesia standard national rate).
  • E-Wallets (GoPay, OVO, DANA, ShopeePay): 1.5% – 2.0% per transaction.
  • Bank Virtual Accounts (BCA, Mandiri, BRI, BNI): Fixed Rp 2.500 – Rp 4.000 per settled invoice.

3. Payout Withdrawal Channels & Minimums

Creators can disburse settled desk balances directly to Indonesian financial endpoints:

  • Indonesian Bank Accounts (BCA, Mandiri, BRI, BNI, CIMB, Jago, SeaBank, etc.): Minimum withdrawal Rp 50.000. Flat bank transfer fee Rp 4.500 per disbursement.
  • E-Wallets (GoPay, OVO, DANA): Minimum withdrawal Rp 25.000. Flat disbursement fee Rp 2.500 per transfer.

4. Payout Settlement Speeds

  • Standard Automated Payouts: Processed multiple times daily and typically land in your Indonesian bank account within 5 to 30 minutes.
  • First Withdrawal Verification: For new creator desks, the initial disbursement may undergo a one-time anti-fraud verification check taking up to 24 hours.

5. Indonesian Tax Responsibilities (PPh 21 / PPh Final)

Creators are independent content operators and are individually responsible for reporting and paying Indonesian income taxes (Pajak Penghasilan) on earnings generated through Dukkung in accordance with applicable tax regulations (Direktorat Jenderal Pajak). Dukkung provides annual earnings summary slips downloadable from your Creator Desk.

6. Payout Security & Account Integrity

To prevent unauthorized withdrawals, changes to your linked bank account or payout e-wallet require Two-Factor Authentication (2FA) confirmation and may trigger a temporary 24-hour payout security hold.