Qitero Qitero

Permata Virtual Account

Country: Indonesia (ID)  |  Payment Rail: bank_clearing

BankTransfer Market Adoption: 40%

Permata Virtual Account is a widely adopted bank transfer and Virtual Account service in Indonesia, featuring high inter-bank interoperability and automated reconciliation extensively used for e-commerce and corporate billing.

🔄 User Payment Flow

  1. Customer selects Permata VA on merchant checkout
  2. System displays unique 16-digit Permata Virtual Account number
  3. Customer opens PermataME mobile app, ATM, or any inter-bank transfer app (via Alto/ATM Bersama/Prima network)
  4. Customer transfers the exact invoice amount
  5. Payment is reconciled and marked complete immediately

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant creates VA transaction through payment gateway (e.g. Midtrans, Xendit, DLocal)
  • Payment gateway issues Permata VA number and tracks transfer
  • Bank Permata sends instant credit notification to gateway
  • Merchant receives webhook and marks transaction successful