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RESTRICTED BUSINESSES
1. Definitions
- DIKA / we means PT Digital Karyaloka Nusantara, a Payment Service Provider (PJP) licensed by Bank Indonesia.
- Services means DIKA’s payment processing (payment gateway) and related services, including aggregation, payment channels, and fund settlement.
- User / Merchant means, respectively, any party using the Services, and a business or individual using the Services to accept payment for goods/services.
- End Customer means a party making payment to a Merchant through the Services.
- Transaction / Settlement means, respectively, any payment processed through the Services, and the transfer of Transaction proceeds to the Merchant net of applicable fees.
2. Acceptance
By registering for, accessing, or using the Services, you confirm you have read, understood, and agree to be bound by these Terms, our Privacy Policy, our Cookie Policy, and any supplemental agreements. If you do not agree, you may not use the Services
By registering for, accessing, or using the Services, you confirm you have read, understood, and agree to be bound by these Terms, our Privacy Policy, our Cookie Policy, and any supplemental agreements. If you do not agree, you may not use the Services
3. Scope of Services
DIKA enables Merchants to accept payments from End Customers across multiple channels and methods, provided under DIKA’s license and Bank Indonesia’s Payment System rules. We may add, modify, or discontinue features from time to time on reasonable notice.
DIKA enables Merchants to accept payments from End Customers across multiple channels and methods, provided under DIKA’s license and Bank Indonesia’s Payment System rules. We may add, modify, or discontinue features from time to time on reasonable notice.
4. Registration and Verification
- Users must register and provide true, accurate, and current data and documents.
- Users must complete customer due diligence (KYC/KYB) under AML-CTF and Bank Indonesia rules as a condition of activation.
- Users are responsible for safeguarding account credentials, API keys, and OTPs; all activity under an account is the User’s responsibility.
- We may refuse registration, request additional documents, or re-verify at any time for compliance.
5. User Obligations and Warranties
You represent and warrant that: you are legally competent and authorized to accept these Terms; your data and documents are true and not misleading; you will not use the Services for unlawful activity, including money laundering, terrorism financing, or fraud; you comply with applicable law, including Payment System, consumer-protection, data-protection, and tax rules; and your business is not a prohibited business under Section 6.
You represent and warrant that: you are legally competent and authorized to accept these Terms; your data and documents are true and not misleading; you will not use the Services for unlawful activity, including money laundering, terrorism financing, or fraud; you comply with applicable law, including Payment System, consumer-protection, data-protection, and tax rules; and your business is not a prohibited business under Section 6.
6. Restricted Business Policy
The business categories below are Restricted Businesses. In certain cases, a restricted business may be allowed to use the Services with DIKA’s explicit prior approval. These categories may change with evolving regulations or partner requirements, and DIKA reserves the right to modify them from time to time without prior notice
6.1. Prohibited Businesses
The following business types are completely prohibited from using the Services under any circumstances:
The business categories below are Restricted Businesses. In certain cases, a restricted business may be allowed to use the Services with DIKA’s explicit prior approval. These categories may change with evolving regulations or partner requirements, and DIKA reserves the right to modify them from time to time without prior notice
6.1. Prohibited Businesses
The following business types are completely prohibited from using the Services under any circumstances:
6.2. High-Risk Businesses
The following business types may be permitted but require additional screening, documentation, and DIKA’s approval:
The following business types may be permitted but require additional screening, documentation, and DIKA’s approval:
Any merchant engaging in prohibited activities, or in illegal or unethical conduct, will face immediate termination of registration or integration. DIKA regularly monitors compliance and reserves the right to update this policy as necessary.
7. Fees, Settlement, and Payment
- Users are charged Service fees per the agreed schedule and as notified from time to time.
- Transaction proceeds are settled to Merchants net of applicable fees, per the defined schedule and mechanism.
- We may hold or delay Settlement where there is indication of fraud, dispute, breach, or a compliance requirement.
- Users are responsible for their own tax obligations.
8. Refunds, Chargebacks, and Disputes
- Refunds and chargebacks are handled per the Service terms, scheme/network rules, and applicable law.
- Merchants are responsible for the quality of goods/services and for resolving End-Customer complaints.
- We may debit or set off refund/chargeback amounts and related fees against the Merchant’s Settlement funds.
9. Prohibited Use
Users must not: use the Services unlawfully or in breach of others’ rights; reverse-engineer, hack, or disrupt our systems; introduce malware or gain unauthorized access; or use the Services for fictitious transactions, money laundering, or circumventing AML-CTF requirements.
Users must not: use the Services unlawfully or in breach of others’ rights; reverse-engineer, hack, or disrupt our systems; introduce malware or gain unauthorized access; or use the Services for fictitious transactions, money laundering, or circumventing AML-CTF requirements.
10. Intellectual Property
All intellectual property in the Services, site, software, trademarks, logos, and content belongs to DIKA or its licensors. Users receive only a limited right to use the Services under these Terms
All intellectual property in the Services, site, software, trademarks, logos, and content belongs to DIKA or its licensors. Users receive only a limited right to use the Services under these Terms
11. Confidentiality and Data Protection
Each party must keep confidential information obtained in connection with the Services confidential. Personal Data is processed under our Privacy Policy and Law No. 27 of 2022. Merchants processing End-Customer data must meet their obligations as Controller/Processor under applicable law
Each party must keep confidential information obtained in connection with the Services confidential. Personal Data is processed under our Privacy Policy and Law No. 27 of 2022. Merchants processing End-Customer data must meet their obligations as Controller/Processor under applicable law
12. AML-CTF Compliance
We operate an AML-CTF program under Bank Indonesia and applicable rules, including transaction monitoring, sanctions/DTTOT screening, and reporting to the PPATK and other authorities. Users must cooperate and provide information we request for compliance
We operate an AML-CTF program under Bank Indonesia and applicable rules, including transaction monitoring, sanctions/DTTOT screening, and reporting to the PPATK and other authorities. Users must cooperate and provide information we request for compliance
13. Limitation of Liability and Indemnity
- The Services are provided “as is.” To the extent permitted by law, DIKA is not liable for indirect, incidental, or consequential loss.
- DIKA is not liable for loss caused by the User’s error, negligence, or breach, including credential leaks due to the User’s fault.
- Users will indemnify DIKA and its officers, employees, and agents against claims, losses, and costs arising from the User’s breach of these Terms or applicable law
14. Suspension and Termination
- We may suspend or terminate access, in whole or part, on breach, fraud indication, authority order, or other compliance grounds.
- Termination does not discharge obligations already accrued, including payment and dispute settlement
15. Force Majeure
DIKA is not liable for delay or failure caused by events beyond its reasonable control, including natural disasters, third-party system or network outages, government action, and other emergencies.
DIKA is not liable for delay or failure caused by events beyond its reasonable control, including natural disasters, third-party system or network outages, government action, and other emergencies.
16. Changes
We may amend these Terms from time to time, with changes communicated via our site and/or channels. Continued use after changes take effect constitutes acceptance.
We may amend these Terms from time to time, with changes communicated via our site and/or channels. Continued use after changes take effect constitutes acceptance.
17. Governing Law and Disputes
- These Terms are governed by the laws of the Republic of Indonesia.
- Disputes are first resolved amicably; failing that, through the mechanisms available under applicable law, including Payment System dispute resolution.
18. Language
These Terms may be issued in several languages. In case of discrepancy, the Indonesian text prevails.
These Terms may be issued in several languages. In case of discrepancy, the Indonesian text prevails.
19. Miscellaneous
- If any provision is invalid or unenforceable, the remainder stays in effect.
- Our failure to exercise a right is not a waiver of it.
- Users may not assign their rights or obligations without DIKA’s written consent.
20. Contact
All notices may be delivered via our website, email, or SMS. For questions, complaints, or to exercise your rights, contact our Data Protection Officer:
PT Digital Karyaloka Nusantara
Address: The Plaza Office Tower, Jl. MH Thamrin, Gondangdia, Menteng, Jakarta Pusat, DKI Jakarta, Indonesia
Email: info@dika.co.id
All notices may be delivered via our website, email, or SMS. For questions, complaints, or to exercise your rights, contact our Data Protection Officer:
PT Digital Karyaloka Nusantara
Address: The Plaza Office Tower, Jl. MH Thamrin, Gondangdia, Menteng, Jakarta Pusat, DKI Jakarta, Indonesia
Email: info@dika.co.id
©dika.co.id 2026. All rights reserved.
WhatsApp: +6285199110998
Email: info@dika.co.id
Tel: +6285199110998
The Plaza Office Tower, Lantai 38
Jl. M.H. Thamrin Kav. 28 – 30,
JAKARTA PUSAT, Indonesia.
JAKARTA PUSAT, Indonesia.
