Virtual Account (VA)

Overview

Virtual Account (VA) is a virtual account number used to identify a customer or a payment. The number embeds identifiers (for example, a customer ID and a unique suffix). This makes payments easier to match and confirm.

Types

VA types are commonly grouped by amount type and billing mechanism.

By amount, there are 2 types:

• Open

  • The merchant does not set the bill amount.

  • The customer enters the amount when paying.

• Closed

  • The merchant sets the bill amount.

  • The customer must pay the exact amount.

By billing mechanism, there are 2 types:

• Static

  • The VA number can be reused for multiple payments.

• Dynamic

  • The VA number is valid for a single payment.

Available VA providers

Finpay supports the following VA providers:

• BCA Virtual Account

• BRI Virtual Account

• BNI Virtual Account

• BSI Virtual Account

• Mandiri Virtual Account

• BTN Virtual Account

• Permata Virtual Account

• Maybank Virtual Account

• OCBC Virtual Account

• Muamalat Virtual Account

• Bank Nagari Virtual Account

• Bank DKI Virtual Account

• BJB Virtual Account

• Bank Neo Commerce (BNC) Virtual Account

• BPD Jatim (Jawa Timur) Virtual Account

• Mega Virtual Account

Requesting Prefix

Each VA provider has its own rules for issuing VAs and allocating a dedicated prefix to a merchant.

Check each provider page for details.