BRI Virtual Account (BRIVA)
国家/地区: 印度尼西亚 (ID) | 底层清算轨道: bank_clearing
BankTransfer
市场普及率: 75%
BRIVA 是印尼最大国有商业银行 BRI 推出的虚拟账户支付服务，以庞大的下沉市场网点与全渠道即时转账为核心，广泛用于电商付款、公用事业缴费及出海商户本地收单。
🔄 用户付款交互流 (User Flow)
- Customer selects BRI Virtual Account (BRIVA) at checkout
- A unique 16-digit BRIVA number and exact payment amount are displayed
- Customer opens BRImo mobile banking app, ATM, or internet banking
- Customer inputs BRIVA number, verifies beneficiary details, and authorizes transfer with PIN
- Payment is captured in real-time
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | NO |
| 订阅自动代扣 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- 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