DANA
DANA, founded in 2017, is one of the most popular e-wallets in Indonesia with over 30 million users. DANA provides Indonesian users with a variety of payment services, including online shopping, payment of telephone charges, utilities, social security, bill installment, and offline retail store payment. It is hailed as an all-in-one app that allows users to safely make cashless and cardless payments for everyday use.
Properties
The following table lists the product properties supported by DANA:
Payment type | Alipay+ payment method | ||
Acquirer | Alipay SG, Alipay EU, Alipay US, Alipay UK | Acquiring region | SG, AU, HK, US, EU, UK |
Payment flow | Redirect | Checkout Payment | ✔️ |
Buyer country/region | Indonesia | Auto Debit | ✔️ |
Funds deduction | Real-time | Refund | ✔️ |
Processing currency | IDR | Partial refund | ✔️ |
Minimum payment amount | 300 IDR | Chargeback/Dispute | ❌ |
Maximum payment amount | 10,000,000 IDR per transaction; 20,000,000 IDR per day | Refund period | 365 days |
User experience
Checkout payment
The merchant's app invokes the cashier page of the Dana app:
Figure 1. Payment process with DANA
Auto debit
The following graphic shows the DANA app authorization process:
Figure 2. Authorization process