ONLINE

PAYMENT
Standard Solution Overview
 INTRODUCTION

www.dana.id
WHAT MAKE US THE
BEST?

Simple Safe Seamless

Giving users and Utilizes world-class risk Open platform that
merchants an easy way to and safety technology, makes connecting users
conduct and access DANA guarantees 100% to merchants a
cashless payments. safety in your seamless experience
transactions.

www.dana.id
ONLINE PAYMENT ECOSYSTEM
Business Entities within Online Payment

As Issuer
Issue the several type
of Payment
Instruments:
eMoney
MERCHANT APPS /
Website AS ACQUIRER
The one who sell goods Process the payment on
or services to the behalf of merchant
Consumer using different
methods:
Credit Card Bank VA
Debit Online Direct
Debit

www.dana.id
MERCHANT MODEL - ACQUIRING (FUND
FLOW)
Fund Flow for Merchant Business Model
USER DANA MERCHANT Legends

Real T+1 Settlement

User do online Time File

payment External Fund

Account
through DANA Payment
Payment Amount Payment Amount
payment Amount -
MDR
channel DANA Fund
Account
T+2

DANA settle Virtual Fund

Flow
the amount to
Aggregated Aggregated
the merchant Amount - Amount - Real Fund
MDR MDR Flow

www.dana.id
KEY
NOTES

Bind Solution
One Time Payment

Market Fit for

Market Fit for
• Small to medium online
• Medium to high merchant which
merchant with limited tech
really aware with end to end
team
experience
• Payment Gateway which
• Merchant which restrict user
connect to multiple PJSP
payment session needs to be
• Merchant which do not need to
same with merchant account
keep user payment session and
• Merchant which need their users
restrict their user to use same
to have retention payment
payment account with merchant
account

www.dana.id
KEY
NOTES Solution Name Advantages Disadvantages Integration Time in Average

H5 One time Payment Solution
(Guest Checkout)
- Easy to integrate only need 1
mandatory API and 1
mandatory SPI Integration
- Success rate around 45-60%
- Low success rate due to 2-4 weeks
merchant cannot prevent
user without balance create
an order
- Longer journey due to user
need to always login when
doing the payment

Through DANA Apps One Time
Payment Solution (Deeplink
payment)
- Integration wise very similar -
with guest checkout solution
with additional parameter
- Success rate is above guest
checkout solution around 60-
70%
- SR wise higher for user which
Similar with guest checkout 3-5 weeks
but have advantage with the
user which already have
DANA apps. User can use
DANA apps session to
prevent user always login
have DANA apps, but still low
for user which don’t have
DANA Apps

Binding Solution
- Highest success rate above
70%
- Merchant can make sure the
phone number for payment
= phone number on
merchant side
- Shortest journey for
payment (no need to login)
- Merchant need to maintain 4-8 weeks
relation between their users
with DANA users
- Longest integration time due
to needs to add more scope
in integration

www.dana.id
 BINDING
SOLUTION

www.dana.id
USER FLOW – BINDING
(SEAMLESS)
Example Merchant: TIX
Merchant Native DANA H5 Merchant Native
Page Page Page

Key Notes :
• This oAuth process
result is User
Access Token

• User Access Token

is used as
identifier in all
DANA API

• One of the biggest

order success rate
solution, Mercant
can prevent
payment if balance
not enough

Prefill the phone number so user did not need to input phone number. If user
isn’t a DANA user, user will be asked to create PIN
www.dana.id
USER FLOW – BINDING (NORMAL)
Example Merchant: TIX

Merchant Native DANA H5 Merchant Native

Page Page Page

Key Notes :
• This oAuth process
result is User
Access Token

• User Access Token

is used as
identifier in all
DANA API

• One of the biggest

order success rate
solution, Mercant
can prevent
payment if balance
not enough

If user isn’t a DANA user,

user will be asked to create
www.dana.id PIN
 CASHIER
H5

www.dana.id
USER FLOW -
PAYMENT
Example Merchant: TIX
Merchant Native DANA H5 Page
Page

Risk challenge is
optional, triggered by
risk engine
www.dana.id
KEY
NOTES
• Each payment channels have a different MDR for the user

• The MDR are set by Business Team and set on the Merchant on boarding and also the
Agreement

• Merchant can set which payment channel that will be open for their business. Example :
(DANA Balance, CC&DC Only)

• DANA Balance / E-Money are mandatory.

• VA Payment channel have an payment expiry time and it can be configured by the system and
also based on the merchant request.

• User can also pay with voucher in DANA Cashier

www.dana.id
 USER FLOW - DEEP LINK PAYMENT
(NORMAL)
Example Merchant: Fore
Merchant Native DANA Guest Checkout Page DANA App Page Merchant Native
Page Page

If user hasn’t Risk challenge is

download DANA, it optional, triggered by
will redirect to guest risk engine.
checkout flow.

www.dana.id
USER FLOW - API
FLOW
USER
CLIENT
MERCHANT MERCHANT BACKEND DANA SYSTEM
1. Go to merchant’s order detail
page 2. Request order detail
info

3. Create merchant internal order

4. Create acquiring order

/alipayplus/acquiring/order/CreateOrder.htm

5. DANA_CHECKOUT_URL + AcquirementId

6. Save DANA_CHECKOUT/_URL +
AcquirementId then making to respective
7. Order detail info + order
DANA_CHECKOUT_URL

8. Put the DANA_CHECKOUT_URL

into “Continue Payment Button”
9. Click “Continue Payment
Button”
10. Call DANA_CHECKOUT_URL +
OTT
11. Show cashier
page
12.Notify payment
complete

ack

13.Query

order ack
www.dana.id
KEY
NOTES
• Merchant create order and DANA will send the Checkout URL.

• Merchant displays the Checkout URL on container.

• All transactions will happen in DANA H5 Page.

• When Payment is complete, Payment success page will be shown and user will be
redirected to Merchant page. In parallel, DANA will send the payment status notification to
Merchant.

• If Merchant want to know the order status, they can use query order API to DANA.

www.dana.id
 GUEST
CHECKOUT

www.dana.id
USER FLOW - GUEST
CHECKOUT
Example Case DANA H5
Page

Risk challenge is
optional, triggered by
risk engine
www.dana.id
 AGREEMENT PAY

www.dana.id
USER FLOW – Agreement Pay (Payment API)
Example Case – Bukalapak & Lazada
Before user can use agreement pay, it’s mandatory to bind their account first on the merchant side
DANA H5
Page
Binding Flow for First DANA H5 Merchant Native
Merchant Native Time Payment
Page Page Page

Key Notes :
• This oAuth process
result is User
Access Token

Order and payment • User Access Token

process is would be is used as
directly from merchant identifier in all
system to DANA system DANA API

• One of the biggest

order success rate
solution, Mercant
can prevent
payment if balance
not enough

If user isn’t a DANA user,

user will be asked to create
www.dana.id PIN
 AUTH
CAPTURE

www.dana.id
USER USER MERCHANT DANA
Auth
FLOW User book the
ride
Consult Pay request,
to get balance &
voucher
Process Consult Pay Capture:
1. Auth: to block user balance for certain
time
2. Capture: to deduct user balance
N
Show error balance Balance
not enough enough?

Y Common
Auth user balance Process auth use
rules:
1. Maximum auth = Maximum user balance
request balance 2. Maximum capture = 200% of Auth amount
User get into the Initiate ride Auth finish notify
3. Merchant can capture, bigger, lower or same
taxi with auth amount
4. If merchant capture lower than auth amount,
Ride finished and last capture, the rest of auth amount will
Y
be void
Capture
Auth? 5. Merchant can capture more than 1x, if
N capture amount is still lower than auth
amount
Sync capture
request
Process sync capture
6. If capture > DANA balance. Failed, merchant
need to handle outstanding and repayment
User get notification Capture finish Finish notify
logic
7. DANA do risk checking when auth and
capture, only accept or reject, without
Consult Pay Process Consult Pay
10. challenge
There will be finish notify for Capture, and
8. auth
If risk expiry
reject,notify
Auth is not notify),
(void automatically void
to merchant
Sync capture request 11.
9. Can
Usersetcanauth
see expiry time in
the amount ofmerchant
auth in in-
Process sync capture
based on use maximum
balance
12. contract
progress
Can confighistory in cannot
capture DANA apps
be bigger than auth
in merchant contract
User get notification Capture finish Finish notify

To do: set always accept to capture risk

consult
www.dana.id
 QRIS

www.dana.id
USER FLOW -
PAYMENT
Example Merchant: Merchant with public order device Ex: McD, Dominos,
etc. DANA App

VIDIO Smart
TV

User scan barcode Risk challenge is

in DANA app optional, triggered by
risk engine

www.dana.id
USER FLOW - API
FLOW
USER
CLIENT
MERCHANT MERCHANT BACKEND DANA SYSTEM
1. Go to merchant’s order detail
page 2. Request order detail
info

3. Create merchant internal

order

4. Request create QRIS

5. Generate QRIS code

6. Save QRIS
code
7. Create QRIS
barcode
8. Show QRIS
barcode

9. Scan barcode
10. Show cashier
page
12.Notify payment
complete

ack

13.Query

order ack

www.dana.id
KEY
NOTES
• Merchant create order and send request create QRIS.

• DANA will generate QRIS code as response and merchant has to save the code.

• Merchant will create QRIS barcode that will be displayed on screen.

• User will open DANA app and scan barcode.

• DANA will show cashier page and user will continue the payment in DANA app.

• After payment is complete, DANA will send finish notify to merchant, and merchant has to
give acknowledge.

• If merchant wants to query order, they can request using query order API and DANA will
send the order status to merchant.

www.dana.id
USER FLOW – CPM PAYMENT
Example Merchant: Merchant with public order device Ex: KFC and Ramayana.
DANA App

VIDIO Smart
TV

User scan barcode Risk challenge is

in DANA app optional, triggered by
risk engine

www.dana.id
USER FLOW - API
FLOW
USER
CLIENT
MERCHANT MERCHANT BACKEND DANA SYSTEM
1. Go to merchant’s order detail
page 2. Request order detail
info

3. Create merchant internal

order

4. Request create QRIS

5. Generate QRIS code

6. Save QRIS
code
7. Create QRIS
barcode
8. Show QRIS
barcode

9. Scan barcode
10. Show cashier
page
12.Notify payment
complete

ack

13.Query

order ack

www.dana.id
KEY
NOTES
• Merchant create order and send request create QRIS.

• DANA will generate QRIS code as response and merchant has to save the code.

• Merchant will create QRIS barcode that will be displayed on screen.

• User will open DANA app and scan barcode.

• DANA will show cashier page and user will continue the payment in DANA app.

• After payment is complete, DANA will send finish notify to merchant, and merchant has to
give acknowledge.

• If merchant wants to query order, they can request using query order API and DANA will
send the order status to merchant.

www.dana.id
 MINI
DANA

www.dana.id
DANA WIDGET
Extra Feature for DANA User on Merchant Apps /
Web

1 TRANSACTION FEATURE 2 CARDS FEATURE 3 KYC FEATURE

Showing on going transaction or Showing User’s Saved Debit or Facilitate user to do KYC
transaction history for the specific Credit card on User’s DANA on User’s DANA account.
merchants. account.

4 POCKET FEATURE 5 POCKET FEATURE 6 DANA SURPRIZE FEATURE

Showing User’s promotion Facilitate User to top up their Facilitate user to play and
voucher for the specific merchants. DANA Balance via get voucher.
Merchant’s Apps / Web.

7 ACCOUNT MANAGEMENT 8 SEND MONEY FEATURE 9 CASHOUT FEATURE

FEATURE Facilitate user to send money to Facilitate user to cash out their
Facilitate User to manage their other users via QR code, link, balance via bank account or
DANA Account inside bank account or phone number. agent.
Merchant’s Apps / Web.

www.dana.id
USER FLOW - TOP
UP
Merchant Native DANA H5 Page
Page

www.dana.id
 MIX
PAYMENT

www.dana.id
MIX PAY
The Payment can be mixed between Balance, Voucher and Other methods
(Cards)

User will be able to choose

other Payment Methods if
they have insufficient
www.dana.id balance
WHAT’S
IMPACTED ?
Sample Settlement File

SETTLEMENT_TXN_ID TXN_ID TXN_TYPE SETTLE_AMOUNT MERCHANT_TRANS_ID MERCHANT_REQUEST_ID PAY_METHOD MERCHANT_CUST_ID SHOP_I BUYER_MOBILE_NO DIVISION_I
D D
202013111121380000000 202013111121380000000 ACQUIRING 40000 2,02001E+3 DIRECT_DEBIT_CAR
ORDER 0 4 D
000 000
5000 2,02001E+3 COUPO
202013111121380000000 202013111121380000000 ACQUIRING 0 4 N
ORDER
000 000 505000 2,02001E+3 BALANC
0 4 E
202013111121380000000 202013111121380000000 ACQUIRING
ORDER
000 000

www.dana.id
WHAT’S
IMPACTED ?
Sample Finish Notify
{
"request":{
"head":
{ "version":"2
.0",
"function":"dana.acquiring.order.finishNotify",
"clientId":"PAYTW3IN51",
"reqTime":"2001-07-04T12:08:56+05:30",
"reqMsgId":"1234567asdfasdf1123fda"
},
"body":
{ "acquirementId":"20150324120071015472013527
47",
"merchantTransId":"201505080001",
"finishedTime":"2015-07-04T12:08:56+05:30",
"createdTime":"2015-07-04T12:08:56+05:30",
"merchantId":"2088101568338364",
"orderAmount":
{ "currency":"ID
R",
"value":"200"
},
"acquirementStatus":"SUCCESS",
"paymentView":{
"cashierRequestId":"62828299393030",
"paidTime":"2001-07-04T12:08:56+05:30",
"payOptionInfos":[
{
"payMethod":"CREDIT_CARD",
"payAmount":{
"currency":"IDR",
"value":"100"
},
"transAmount":
{ "currency":"ID
R",
"value":"100"
},
"chargeAmount":{
"currency":"IDR
",
"value":"100"
}

www.dana.id
 DANA
DISBURSEMENT

www.dana.id
WHAT IS DANA
DISBURSEMENT?
DANA Disbursement is one solution that DANA offer to Merchant by using the
open
API to top up DANA Balance to user who has DANA Account.

Disbursement can help to handle the various need for your business, such as :

Convert incentive Payroll to employee Top Up to

to DANA with DANA DANA
Balance. Balance. Balance.

www.dana.id
OVERALL FLOW DANA
DISBURSEMENT
4 5

1 2 6

Mitr DANA Akun Deposit User

a Mitra

3
2
7

1 Permintaan pengecekan 2 DANA melakukan pengecekan 3 Mengembalikan informasi untuk 4 Melakukan permintaan
disburse DANA Balance ke terhadap user dan deposit konfirmasi dapat dilakukan top disburse untuk pengguna
pengguna. mitra. up atau tidak. dengan DANA BOOST API.
Input : Cek : Input :
• Access Token / No. Handphone pengguna • Batas balance pengguna • Access token / No. Handphone pengguna
• Jumlah Nominal • Jumlah akun deposit mitra mencukupi / • Jumlah nominal
tidak • Request ID

5 Melakukan pengurangan dari 6 Melakukan disburse balance ke 7 Mengirimkan notifikasi hasil top
akun deposit mitra sebesar akun pengguna sebesar jumlah up ke mitra.
jumlah nominal disburse ke nominal yang diminta oleh
pengguna. mitra.

www.dana.id
FUND FLOW – DANA
DISBURSEMENT MERCHANT USER Legends
DANA
Real Real
Time Time
Merchant send
Merchant Deposit
Top Up request Account
Top Up
to Top Up Top Up
Amount
Request Amount
DANA User Account

DANA send T+1 Virtual Fund

Settlement Flow
report of
settlement to Information
merchant Flow

1 When merchant request disbursement DANA 2 DANA will give settlement file T+1 to merchant
Balance to user, DANA will top up balance from for Disbursement Transaction.
merchant deposit account to user account.

www.dana.id
DANA DISBURSMENT - API
FLOW
USER
MERCHANT
Super
GW
DANA
BE
Convert to DANA
Balance Call consult for
user
Top Up consult for user

[Min, Max] Amount

[Min, Max] Amount User User

Call DANA Boost API (Top Up to

user) Call DANA Boost API (Top Up to user)

Transfer from deposit merchant to user’s

account

IF SUCCESS
Update order
Receive DANA
success
Balance
AL
T

IF Update order
FAILED failed

DANA Boost
result
DANA Boost
result
Give notification to
user

USER MERCHANT Super APFUNDPROD

GW

www.dana.id
NOTE
S
• When merchant want to request top up to DANA using Disbursement API, merchant first should
call Disbursement Consult API which will check user eligibility (existence, status, balance limit,
monthly fund-in limit) and considers merchant Deposit Balance, returning info on min & max
top up amount and fee (if any).

• If all the eligibility is valid, merchant call Disbursement Top Up API to request top up with
certain amount to user.

• DANA will process top up balance to user and deduct deposit account merchant as
requested amount plus fee.

• If success, user will receive DANA Balance.

• Merchant will get the result of DANA Disbursement, is it success or no.

www.dana.id
 DANA DISBURSEMENT REPORT
IN MERCHANT PORTAL

www.dana.id
MERCHANT PORTAL DANA
DISBURSEMENT
Merchant can see remaining budget in deposit account.
What can we do in
menu “Account” ?
1.Can see remaining budget in
deposit account.
2.Can see account number
information.

www.dana.id
MERCHANT PORTAL DANA
DISBURSEMENT
Merchant can see transaction of user for DANA Boost.
What can we do in
menu “Transaction” ?
1.Can search transaction based on
date or status.
2.Can see list of transaction from
user for
Disbursement.
3.Can see status for DANA
Disbursement
transaction : success, failed, prepared
and closed.

www.dana.id
MERCHANT PORTAL DANA DISBURSEMENT
Merchant can see settlement transaction for DANA
Disbursement.

What can we do in
menu “Settlement” ?
1.Can search settlement file based on date
or status.
2.Can download settlement file (only) for
Disbursement transaction.

www.dana.id
 PULSA AS
SERVICE

www.dana.id
PULSA AS SERVICE
Enable user to purchase mobile recharge inside Merchant’s Application through
DANA.

Divided into 2 versions

:
1.Binding.
2.Non Binding.

www.dana.id
BINDING
Binding then
purchase.
Merchant Native DANA H5 Page
Page

1 User input
phone number 2 Input 3 Choose denominal 4 Choose payment 5 Payment success
PIN of mobile recharge method & pay

www.dana.id Key Notes : Merchant has to develop Binding solution in their

App
NON BINDING
Login then
purchase.

Use guest checkout as The session will only stay for 30

Key 1
login.
2
minutes.
Notes: 3 When do transaction, user will
always be challenged by PIN

www.dana.id
NON
BINDING
Purchase then
login.
Merchant Native DANA H5
Page Page

Use guest checkout as Login session only valid for 30

Key 1
login.
2
minutes
Notes: 3 When do transaction, user will
always be challenged by PIN

www.dana.id
 DANA
SUBSCRIPTION

www.dana.id
WHAT IS DANA SUBSCRIPTION?
Subscription is one of solution that DANA offer to merchant, so customer will
pay at regular intervals in recurring price to access the product in merchant
application.

www.dana.id
FLOW - CREATE SUBSCRIPTION IN MERCHANT
APP
Example Merchant: Zomato

1 2 3 4 5 6 7 8 9
Merchan Merchant Binding Binding Merchant Choose Type DANA Choose Payment Payment
t App Cashier Input PIN / Aggreemen Cashier Cashier Method Result
Page OTP t Page Subscription Page

www.dana.id
SUBSCRIPTION WITH
PERIOD
Key Notes :
User’s subscription will be active until count period from
DANA = period from
merchant. Example if period
is 2, so :
1.create subscription and 1st payment success 27 July 2020,
count period = 0 -> (count period < 2).
2. next deduction payment 27 August 2020, count period
= 1 -> (count period < 2).
3.next deduction payment 27 September 2020, count period = 2
-> (count period = 2).
When count period already same with period, so there will not any next deduction
payment subscription again, user’s subscription will be terminated on 27 October 2020.

So, there will be 3 cycle of payment subscription for user.

www.dana.id
SUBSCRIPTION WITHOUT
PERIOD

Key Notes :
User’s subscription will be always active as long as the
subscription
isn’t terminated by user/merchant.

www.dana.id
 OPEN API
SUBSCRIPTION

www.dana.id
MANDATORY
• Merchant need to call API to Create Subscription to DANA
Create Subscription is used by merchant to request to DANA to create subscription for user.
• Merchant need to call API to Create Next Schedule Payment Subscription to DANA
Create Schedule Payment Subscription is used by merchant to request to DANA to auto deduct user for subscription
payment in next schedule.
• Merchant need to call API to Remove Subscription
Remove Subscription is used by merchant to request to DANA to terminate user’s subscription. It can be used when user
doesn’t pay their subscription for next schedule payment or if merchant want to give capability for user to unsubscribe from
Merchant App.

OPTIONAL
• API to Query All Subscription
Query All Subscription is used by merchant to get all the list of user’s subscription in that merchant
• API to Query Subscription by ID
Query Subscription by ID is used by merchant to get the detail of one user’s subscription
• API to Query Subscription Transaction
Query Subscription Transaction is used by merchant to get the detail of one user’s subscription history transaction

www.dana.id
API FLOW CREATE SUBSCRIPTION WITH FIRST
PAYMENTUSER
SYSTEM
MERCHANT DANA
1. Create subscription in merchant’s order detail
2. Request to DANA by create subscription First
page
Payment Open API

3.Result + checkoutURL :
createFirstPaymentTransaction

4. Create first payment order transaction

5. Create acquiring order

6. Consult subscription
8. Show cashier page 7. checkoutURL : order
DANA cashier

9. Click pay in
cashier
10.Pay

11.Notify payment
complete

PAY SUCCESS Subscription active

PAY Subscription terminate

FAILED
12.
Acknowledge

USER LAZADA DANA

BE

www.dana.id
KEY
NOTES
• For create first payment subscription, merchant need to request by Create Subscription
First Payment Open API to DANA.

• DANA will return result (success or get risk reject) + checkoutURL to create first payment
transaction. On this step, subscription is still not active

• Merchant call checkout URL to DANA, that will show DANA cashier page.

• User click pay and choose payment method.

• When payment is complete, DANA will notify merchant and user.

• If payment success, subscription in user is already active.

www.dana.id
API FLOW CREATE SUBSCRIPTION WITH FIRST
PAYMENT
USER MERCHANT DANA SYSTEM
1. a. User got push notif reminder subscription
payment in T-1 before deduction

1. b. Notify merchant to trigger subscription scheduled

payment.

2. Request to DANA by create subscription scheduled

payment open API

3. A
p
p
l
y

t
o

a
u
PAY SUCCESS t
Update to next
schedule
o
PAY FAILED & DUE Process notify again to merchant for retry
d
DATE payment
e
PAY FAILED & DUE d
Update to next
DATE u
schedule MERCHANT HAS
c OPTION TO
5. Acknowledge t UNSUBSCRIBE

u
s
USER LAZADA DANA e
BE r

f
www.dana.id o
r
KEY
NOTES
• For create scheduled subscription, DANA will give push notification reminder (T-1) before
deduction to user.
• DANA will give notification in scheduled time (T-0) to trigger subscription payment. DANA will
notify merchant by subscription ID, product name and transaction ID.
• Merchant need to request by Create Subscription Scheduled Payment Open API to DANA.
• DANA will process auto deduction payment subscription to user.
• When payment is complete, DANA will notify merchant and user by push notification.

• If payment is success, subscription will be updated to next schedule.

• If payment is failed & < due date scheduled payment, DANA will notify again with new
transaction ID, so merchant can retry to trigger payment.
• If payment is failed & > due date scheduled payment, subscription will be updated to next
schedule. Merchant has option to remove user’s subscription by call Remove Subscription
Open API to DANA.
www.dana.id
 ISV
(BINDING SUB
MERCHANT)

www.dana.id
AGGREGATOR FLOW – ADD
SUBMERCHANT
CREAT
E

Aggregator implement Aggregator create submerchant using create division API

create division API. by filling parameter ExternalDivisionId, Division Name, etc.
If it is success, submerchant is already onboarded in
DANA.

Go
Live Aggregator develop submerchant to
enable
www.dana.id DANA as payment method.
 USER FLOW –
BINDING
Example Merchant: TIX
Merchant Native
Page
DANA H5
Page
Merchant Native
Page
Key Notes :
• This oAuth
process result
is User Access
Token

• User Access
Token is used
as identifier in
all DANA API

• If merchant
didn’t have user
phone number,
user need to
Input user’s If user isn’t a DANA user, input phone
phone number is user will be asked to create number in
optional PIN DANA H5

www.dana.id
USER FLOW -
PAYMENT
Example Merchant: TIX
Merchant Native DANA H5
Page Page Key Notes :
• Each payment channels have a different MDR
for the user.

• The MDR are set by Business Team and set on

the Merchant on boarding and also the
Agreement.

• Merchant can set which Payment Channel

that will be open for their business. Example :
(DANA Balance, CC&DC Only).

• DANA Balance / E-Money are mandatory.

• VA Payment channel have an payment expiry

time and it can be configured by the system
Risk challenge is and also based on the merchant request.
optional, triggered by
risk engine • User can also pay with voucher in DANA
cashier

www.dana.id
 COMMON REBATES

www.dana.id
DANA Balance - DANA Balance - DANA Balance - Saved Card - Payment Success
Bukalapak Credits Bukalapak Credits Bukalapak Credits All - Bukalapak Credits -
Partial All Promo Partial Promo

Rebates 1. Cash coupon Benefits For 1. Can give cashback to user

2. Cannot be cash- 2. Rebates can only use
out
Merchant within merchant
3. Can be stacked
4. Get from cashback
5. Have expiry time

www.dana.id
 THANK
YOU

2020