Qitero Qitero

BRI Virtual Account (BRIVA)

Country: Indonesia (ID)  |  Payment Rail: bank_clearing

BankTransfer Market Adoption: 75%

BRIVA is the dedicated Virtual Account solution from Bank Rakyat Indonesia (BRI), featuring vast national banking reach and instant clearing widely used for e-commerce, bill payments, and merchant collections.

🔄 User Payment Flow

  1. Customer selects BRI Virtual Account (BRIVA) at checkout
  2. A unique 16-digit BRIVA number and exact payment amount are displayed
  3. Customer opens BRImo mobile banking app, ATM, or internet banking
  4. Customer inputs BRIVA number, verifies beneficiary details, and authorizes transfer with PIN
  5. Payment is captured in real-time

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API generates dedicated BRIVA number via payment gateway
  • Merchant listens for bank instant webhook IPN
  • Payment gateway confirms funds receipt and notifies merchant backend
  • Order status updates to Paid immediately