Qitero Qitero

CIMB Niaga Virtual Account

Country: Indonesia (ID)  |  Payment Rail: bank_clearing

BankTransfer Market Adoption: 35%

CIMB Niaga Virtual Account is a key banking payment channel in Indonesia, featuring seamless OCTO Mobile integration and real-time inter-bank clearing widely used for e-commerce, airlines, and institutional collections.

🔄 User Payment Flow

  1. Customer selects CIMB Niaga Virtual Account at checkout
  2. Customer receives a unique 16-digit CIMB Virtual Account code
  3. Customer uses OCTO Mobile, OCTO Clicks, or inter-bank ATM to make transfer
  4. Payment is captured in real-time and status is updated immediately

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant creates VA transaction through payment gateway
  • Customer transfers funds to designated CIMB account
  • Bank confirms fund arrival and fires webhook to gateway/merchant
  • Merchant updates transaction status