---
title: "Akulaku"
slug: "akulaku"
updated: 2026-06-10T10:01:08Z
published: 2026-06-10T10:01:08Z
---
> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xendit.co/llms.txt
> Use this file to discover all available pages before exploring further.
# Akulaku
Akulaku is a leading banking and digital finance platform in Southeast Asia, with a strong presence in Indonesia. Founded in 2016, Akulaku started as a consumer lending platform and has since expanded its services to include e-commerce, digital banking, and wealth management. Akulaku aims to provide accessible financial services to underserved customers in emerging markets, particularly those who lack access to traditional banking.
The platform offers a range of products, including virtual credit cards, installment loans, and online shopping, all accessible through its mobile app. Akulaku's innovative approach to financial services has made it a popular choice for Indonesians seeking convenient and affordable financial solutions.
---
## Features
| **Channel Code** | AKULAKU |
| --- | --- |
| **Display Name** | Akulaku |
| **Currency** | IDR |
| **Country** | ID |
| **Type** | PAYLATER |
| **Min Amount** | 1,000.00 |
| **Max Amount** | 25,000,000.00 |
| **User Approval Flow** | REDIRECT |
| **Reusable Payment Code** | - |
| **Save** | - |
| **Merchant Initiated Transaction** | - |
| **Auth & Capture** | - |
| **Partial Capture** | - |
| **Desktop Support** | WEB URL |
| **Mobile Support** | MOBILE WEB URL |
| **Custom Payment Code** | - |
| **Display Merchant Name** | XENDIT |
| **Display User Name** | - |
| **Set Expiry** | - |
| **Payment Request Expiry (hours)** | 24 |
| **Payment Token Validity (years)** | - |
| **Payment Processing Time (hours)** | INSTANT |
| **Settlement Time** | T+2 CALENDAR DAYS* |
| **Installments** | ✓ |
| **Refund** | ✓ |
| **Partial Refund** | ✓ |
| **Multiple Partial Refund** | - |
| **Refund Validity (days)** | INDEFINITE |
| **Payment Link** | ✓ |
| **Fund Flow** | AGGREGATOR |
## Payment flow
[Embedded content](https://www.youtube.com/embed/zEboxJluPAI)