# Static Virtual Account

{% hint style="info" %}
Availability: 🇮🇩 Indonesian Business Account only
{% endhint %}

## Overview

A **Static Virtual Account (SVA)** is a reusable virtual account number assigned to a customer that can be used for multiple payments. Unlike per-transaction VAs, a static VA stays the same for that customer and can be used repeatedly, which is useful for repeat buyers, subscription-like flows, or recurring collections without API integration.

***

## Create SVA

### Requirements

* VA payment method(s) enabled for your account
* Customers added to your customers database (refer to [manage-customers](https://docs.doku.com/get-started/manage-business/manage-customers "mention"))
* Billing type configured for the bank(s) you will be using
  * FIX BILL is for closed amount VA
  * NO BILL is for open amount VA
* Suffix features must be activated for the bank(s) and billing type(s) you will be using
  * DOKU Generated Payment Code (DGPC) for auto-generated suffix
  * Merchant Generated Payment Code (MGPC) for phone number and reference ID suffix

<figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FFQ7dP4MJrB5wrPr0r1Og%2Fimage.png?alt=media&#x26;token=11de5227-7452-4e93-9fb8-4a1a82f07070" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}
Billing type and suffix features can be found on **Settings > Payment Virtual Account** page
{% endhint %}

### Single-Customer SVA

You can create a static VA for a single customer by following the steps below:

1. Log in to [DOKU Dashboard](https://dashboard.doku.com/bo/login?utm_source=docs), and then access the side navigation bar
2. Select **Customers** from the menu
3. On the **Customers** page, find the customer you want to create a VA for
4. Click the ellipsis **( ⋮ )** icon on the far right of that customer row, then select **Create Virtual Account**<br>

   <figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FzzFkQKCvohdcOrBDAUzf%2Fimage.png?alt=media&#x26;token=c3080f6d-0338-405e-add8-b9309e35a5ed" alt=""><figcaption></figcaption></figure>
5. Select Amount Type:
   1. **Closed Amount**: Amount is decided by the merchant, and is set when creating SVA Payment Link (refer to [#create-sva-payment-link](#create-sva-payment-link "mention"))
   2. **Open Amount**: Amount is decided by the customers at payment time
6. After choosing amount type, **select the bank** for the VA (available banks are listed based on your account’s VA settings)
7. Select VA Suffix Customization:
   1. **Auto-generated**: DOKU generates a random suffix
   2. **Reference ID**: Suffix is generated from the customer’s Reference ID
   3. **Phone Number**: Suffix is generated from the customer’s phone number

{% hint style="info" %}
If a suffix option is unavailable, it means that option is not supported for the selected bank/billing type. DGPC will activate auto-generated, while MGPC will activate reference ID and phone number.
{% endhint %}

8. Check the preview to confirm the selected **bank**, **virtual account number**, and **suffix**<br>

   <figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FIlUtIPUECmznSzX8a04d%2Fimage.png?alt=media&#x26;token=7e1c3b46-192e-4015-8b1f-37b78b50754a" alt=""><figcaption></figcaption></figure>
9. &#x20;Click **Create Virtual Account**.

On success, a confirmation pop-up appears. Open the customer details to confirm the SVA is created and visible on their profile.

### Bulk-Customer SVA

You can create a static VA for multiple customers by following the steps below:

1. Log in to [DOKU Dashboard](https://dashboard.doku.com/bo/login?utm_source=docs), and then access the side navigation bar
2. Select **Customers** from the menu
3. On the **Customers** page, select the checkboxes for the customers you want to create SVAs for<br>

   <figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FNskEDJ07bTD8eVKpWHmX%2Fimage.png?alt=media&#x26;token=d424826d-1002-4e03-82b4-b78edfcaf84d" alt=""><figcaption></figcaption></figure>
4. Click **Action**, then select **Create Virtual Account**
5. Select Amount Type:
   1. **Closed Amount**: Amount is decided by the merchant, and is set when creating SVA Payment Link (refer to [#create-sva-payment-link](#create-sva-payment-link "mention"))
   2. **Open Amount**: Amount is decided by the customers at payment time
6. After choosing amount type, **select the bank** for the VA (available banks are listed based on your account’s VA settings)
7. Select VA Suffix Customization:

   1. **Auto-generated**: DOKU generates a random suffix
   2. **Reference ID**: Suffix is generated from the customer’s Reference ID
   3. **Phone Number**: Suffix is generated from the customer’s phone number

   <figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FU6oQT7leM5fU5y5RRTSg%2Fimage.png?alt=media&#x26;token=d2219599-9887-4d25-aabf-388961697409" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}
If a suffix option is unavailable, it means that option is not supported for the selected bank/billing type. DGPC will activate auto-generated, while MGPC will activate reference ID and phone number.
{% endhint %}

8. Review the **list of selected customers** shown in the dialog
   * If you selected **Reference ID** or **Phone Number**, ensure every customer in this list has the required value. If a customer is missing the value, remove them from the list before proceeding

<figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FibyYcUbAwVARbr088b2r%2Fimage.png?alt=media&#x26;token=569407f9-d655-4174-85a8-96e77a719a4c" alt=""><figcaption></figcaption></figure>

9. Confirm the preview of chosen bank, VA format, and suffix customization

<figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FK24wGMU6CW3McBPUpCht%2Fimage.png?alt=media&#x26;token=fde1e054-52e3-42d0-b778-b77ab001f590" alt=""><figcaption></figcaption></figure>

10. Click **Create Virtual Account**.

On success, a confirmation pop-up appears. Open the details of each customer to confirm the SVA is created and visible on their profile if needed.

***

## Create SVA Payment Link

SVA payment links are **used for closed amount SVAs** (where the merchant defines the amount). There are two flows: **Single Link** (1 customer) and **Bulk Links** (multiple customers).

### Single Link

You can generate an SVA Payment Link via DOKU Dashboard by following the steps below:

1. Log in to your [DOKU Dashboard](https://dashboard.doku.com/bo/login?utm_source=docs), and then access the side navigation bar
2. Navigate to **Accept Payments** > **Payment Link**
3. Click **Create Payment Link**
4. On **Create Payment Link** page, select the **Payment with Static Virtual Account** shortcut. If the shortcut isn't visible, do this manually:

   * Under **Customer Details**, toggle **Select Customer** on and choose a customer
   * Under **Payment Details**, tick **Use Customer Virtual Account** and select the bank associated with the customer’s static VA

   <figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2F2v6jdAyzTb9BGLH0YfDs%2Fimage.png?alt=media&#x26;token=f9a423c1-4976-4616-ae8e-5432a19798f3" alt=""><figcaption></figcaption></figure>
5. Fill in **Order Details**:

   * For "Payment Description", fill in total payment and description
   * For "Add Item", fill in item name, quantity, and price

   <figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FQAAlYTH9ezWwTo9g8OE4%2Fimage.png?alt=media&#x26;token=67d9b21f-051c-480f-81c2-f040edbea042" alt=""><figcaption></figcaption></figure>
6. Click **Create Payment Link**.

You can share the generated link with the customer. If email notifications are enabled, the customer will receive an email with their static VA number and the payable amount.

### Bulk Links

You can generate bulk SVA Payment Links via DOKU Dashboard by following the steps below:

1. Log in to [DOKU Dashboard](https://dashboard.doku.com/bo/login?utm_source=docs), and then access the side navigation bar
2. Select **Customers** from the menu
3. On **Customers** page, select the checkboxes for the customers you want to create bulk SVA payment links for&#x20;
4. Click **Action**, then **Download Bulk Payment Link Template**

   <figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FNskEDJ07bTD8eVKpWHmX%2Fimage.png?alt=media&#x26;token=d424826d-1002-4e03-82b4-b78edfcaf84d" alt=""><figcaption></figcaption></figure>
5. Choose a template:

   1. **Amount & Description Only**: only total payment and description are required
   2. **Include Product Information**: item name, quantity, and price are required

   <figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FOpLVSOMf9uwDCzvv16E4%2Fimage.png?alt=media&#x26;token=a4503b13-7cf1-48af-9893-d10e2780ee52" alt=""><figcaption></figcaption></figure>
6. Click **Download** and complete the template with the required information for each customer<br>

   <figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FhRT88DA3iMXTmI3RhZZ6%2Fimage.png?alt=media&#x26;token=a76b2921-952b-4609-8b3c-2e0d832bce47" alt=""><figcaption></figcaption></figure>
7. After completing the file, upload it back to the dashboard:
   * If the upload window is still open, click **Upload** to proceed
   * If you exited the page, go to **Accept Payments > Payment Link > Bulk Payment Link** tab, then click **Import XLSX** and upload the completed file
8. Click **Import** to generate bulk SVA payment links.<br>

   <figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FqYdxDsVVU5uC1CmIC8NB%2Fimage.png?alt=media&#x26;token=7ac97684-77f1-4f98-977c-7a725135a682" alt=""><figcaption></figcaption></figure>

Once the import is complete, you can share the generated links with customers. If email notifications are enabled, customers will automatically receive an email containing their Static VA number and the payment amount.

***

## FAQ

<details>

<summary>What’s the difference between Static and Dynamic Virtual Accounts?</summary>

* **Static VA:** Reusable for the same customer; persistent and fixed.
* **Dynamic VA:** Unique per transaction; typically expires after payment or a set timeframe.

</details>

<details>

<summary>How many static virtual accounts can I create for one customer?</summary>

Each customer can have **one VA per bank per amount type**. For example, a customer can have a **BCA VA** with one *Closed Amount* and one *Open Amount*, and a separate **BRI VA** with the same setup.

</details>

<details>

<summary>Is there a limit to how many Static Virtual Accounts I can create?</summary>

There’s **no overall limit** to the number of Static VAs you can create. However, each customer is limited to **one VA per bank per amount type**.

</details>

<details>

<summary>Can I set an expiry date for my SVA Payment Link?</summary>

Yes. You can define an **expiry date and time** when creating the SVA Payment Link. Once expired, the link becomes inactive and cannot be used for payment.

</details>

<details>

<summary>Can I edit or deactivate an SVA Payment Link?</summary>

No. **SVA Payment Links cannot be edited or deactivated** after creation. If you need different link data, create a new payment link instead.

</details>

<details>

<summary>Can I edit a Static Virtual Account after it’s created?</summary>

No. Once a Static VA is created, **it cannot be modified**. To change bank or suffix, create a new SVA for the customer.

</details>

<details>

<summary>Can I deactivate a Static Virtual Account?</summary>

Yes. Merchants can **deactivate a Static VA** from the customer’s detail page if the VA is no longer needed.

</details>

<details>

<summary>Can Static Virtual Accounts be used for recurring payments?</summary>

Yes. Static VAs are **reusable**, allowing customers to make multiple payments using the same VA, suitable for recurring or installment-based collections.

</details>

<details>

<summary>Can I track which customer made the payment through a Static VA?</summary>

Yes. Each Static VA is **linked to a specific customer**. Payments made to that VA are visible in **Reports > Transactions** on the DOKU Dashboard.

</details>