Virtual Account (VA) makes it easy for you to be able to receive payments via transfer from multiple banks without having to open an account at each bank. This payment method is important to have because almost 80% of payment transactions that occur in Indonesia are via bank transfers. With a Virtual Account, you will get a notification when your customer has made a payment without having to check it manually.
The following is a list of banks that we support to accept payments via Virtual Account:
|Bank Name||Supported Commercial Model|
|BCA (Bank Central Asia)||Aggregator and Switcher|
|BNI (Bank Negara Indonesia)||Aggregator and Switcher|
|BRI (Bank Rakyat Indonesia)||Aggregator and Switcher|
|Bank Mandiri||Aggregator and Switcher|
|Bank Permata||Aggregator and Switcher|
|BSS (Bank Sahabat Sampoerna)||Aggregator|
A brief explanation of the commercial model:
This model allows you to activate all bank channels instantly and provide instant settlement D+0 to your Xendit dashboard after payment is made. For BCA aggregators, the transaction will be settled in D + 2 working days after the transaction date. You can make a withdrawal at any time
In this model, the settlement process will be directly to your bank account without going through the Xendit dashboard within a day or in the next working day for each successful payment. This model requires you to follow an additional application process with each bank you wish to use. You also need to open an account at the bank directly if you use this model (you can contact our Account Manager or Customer Service for guidance on the processes and policies at the chosen bank)
By using Xendit Virtual Account, here are three main benefits that you will get:
A Virtual Account Number consists of 15 -18 digit numbers that are randomly generated from a specified range (for example 8808-1001-000000 to 8808-1001-999999).
Xendit offers 999,999 Virtual Account numbers to new customers to start with. This Virtual Account number range will be set during the activation process. If there is a need for additional Virtual Account numbers beyond the given amount, please contact your Account Manager or our Customer Support at firstname.lastname@example.org.
The following below is a table containing the first 4 to 8 digits of the virtual account number which identifies that the virtual account comes from Xendit (aggregator model).
|Bank Name||Xendit Merchant Code|
|BCA (Bank Central Asia)||7007015 / 7007115 / 7007215|
|BNI (Bank Negara Indonesia)||8808|
|BRI (Bank Rakyat Indonesia)||26215 / 92001|
|Bank Mandiri||88608 / 88908|
|Bank Permata||8214 / 7293|
|BSS (Bank Sahabat Sampoerna)||40102|
In overall, here is the payment flow using a Virtual Account:
To make a payment with a Virtual Account, your customers can use the following payment tools:
To learn in detail the customer guide for paying via Virtual Account, please visit Virtual Account Payment Guide.
To be able to receive payments with a Virtual Account, you can do it in two ways: