Qitero Qitero

BNI Bank

Country: Indonesia (ID)  |  Payment Rail: bank_clearing

BankTransfer Market Adoption: 45%

BNI (Bank Negara Indonesia) is a major Indonesian state bank, enabling online bank portal transfers, Virtual Accounts, and cross-border trade settlements.

🔄 User Payment Flow

  1. Customer selects BNI Online / Virtual Account at checkout
  2. Checkout opens BNI Mobile Banking app or presents BNI VA reference
  3. Customer logs in with BNI credentials and approves transfer
  4. BNI debits bank account and returns immediate payment status to merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls payment gateway API to request BNI session
  • PSP issues payment token and BNI Virtual Account payload
  • PSP triggers payment success webhook callback upon BNI bank clearance