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BCA OneKlik

Country: Indonesia (ID)  |  Payment Rail: bank_clearing

DirectDebit Market Adoption: 50%

BCA OneKlik is a direct debit and one-click payment solution by Bank Central Asia (BCA) in Indonesia, featuring tokenized bank credential binding and instant friction-free checkout widely used for top-ups, e-commerce, and recurring subscriptions.

🔄 User Payment Flow

  1. Customer registers BCA Paspor debit card number and sets daily transaction limit during initial binding
  2. Customer enters OTP sent via SMS to verify BCA account ownership
  3. For subsequent transactions, customer selects BCA OneKlik and pays in 1 click without leaving merchant app
  4. Bank account balance is deducted immediately

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant initiates OneKlik registration and tokenization via BCA API or gateway
  • Customer completes token activation
  • Merchant executes recurring or one-click charge API using stored token
  • BCA confirms deduction and returns instantaneous settlement status