BCA Virtual Account
Country: Indonesia (ID) | Payment Rail: bank_clearing
BankTransfer
Market Adoption: 80%
BCA Virtual Account is a widely popular bank transfer payment method in Indonesia, offering real-time transaction matching and high checkout completion rates.
🔄 User Payment Flow
- Merchant checkout generates a unique BCA VA number (e.g. 3901234567)
- Customer copies the number and logs into their BCA Mobile App or visits an ATM
- Customer enters the VA number, reviews the billing details, and authorizes the push payment
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | NO |
| Supports Recurring | NO |
| Supports Refund | NO |
🛠️ Merchant Integration Steps
- Merchant backend requests dynamic virtual account generation from PSP
- Merchant displays the account number and expiration details to the customer
- PSP processes direct notification from BCA network and triggers order payment captured webhook to merchant
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 DOKU🔌 Xendit🔌 Stripe🔌 Midtrans