> For the complete documentation index, see [llms.txt](https://docs.doku.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.doku.com/get-started/manage-business/manage-payment-methods/bank-transfer-virtual-account.md).

# Bank Transfer (Virtual Account)

Accept bank transfer payments automatically with Virtual Account (VA), with no manual payment verification needed.

## Overview

Virtual Account (VA) enables your customers to pay via bank transfer using a unique VA number for each transaction, with automatic payment confirmation.

{% hint style="success" icon="lightbulb" %}
**Virtual Account is already active for your business**\
Once your DOKU Business Account is verified, Virtual Account for most supported banks is ready to use. You can start accepting payments right away. 

**BCA Virtual Account** requires a separate activation process. [**Activate BCA Virtual Account.**](#activate-bca-virtual-account)
{% endhint %}

### Virtual Account Payment Flow

When your customers pay through Virtual Account, each transaction gets a unique VA number. This allows payments to be confirmed automatically without manual verification.

<figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FvvmoeR5mUcOnWcdVrIFb%2Fva-payment-flow.png?alt=media&amp;token=15f121ac-a00f-462a-9862-e4106d8a5011" alt="" width="563"><figcaption></figcaption></figure>

{% hint style="success" icon="circle-info" %}
By default, Virtual Account uses **Closed Amount (Fix Bill)**, which requires your customer to pay the exact amount stated in the bil&#x6C;**.** Other amount types may be available through Sales assistance. Contact <care@doku.com> for more information.
{% endhint %}

#### Static and Dynamic Virtual Account

|               | Dynamic VA                        | Static VA                                           |
| ------------- | --------------------------------- | --------------------------------------------------- |
| VA Number     | A new number for each transaction | One fixed number that can be reused                 |
| Best for      | One-time bills and invoices       | Repeat or recurring payments from the same customer |
| How to get it | Available by default              | Requested through Sales                             |

**Static VA requests go through Sales.** Your Business Consultant can also help you choose the right type.

### Supported Banks

Your customers can pay through the following banks.

| Bank                   | Status                                                                                                  |
| ---------------------- | ------------------------------------------------------------------------------------------------------- |
| BCA                    | [Requires activation](#activate-bca-virtual-account)                                                    |
| Mandiri                | [Self Activate through Dashboard ](https://docs.doku.com/get-started/manage-business/activate-services) |
| BNI                    | ✅ Active by default                                                                                     |
| BRI                    | ✅ Active by default                                                                                     |
| Permata Bank           | ✅ Active by default                                                                                     |
| BSI                    | ✅ Active by default                                                                                     |
| Danamon                | ✅ Active by default                                                                                     |
| Maybank                | ✅ Active by default                                                                                     |
| CIMB Niaga             | ✅ Active by default                                                                                     |
| Bank Sahabat Sampoerna | ✅ Active by default                                                                                     |
| BTN                    | ✅ Active by default                                                                                     |
| Bank Sinarmas          | ✅ Active by default                                                                                     |
| Bank Neo Commerce      | ✅ Active by default                                                                                     |
| Bank BJB               | ✅ Active by default                                                                                     |

### Ways to Accept Virtual Account Payments

You can accept Virtual Account payments through the following DOKU products.

<table><thead><tr><th width="154.22265625">DOKU Product</th><th width="606.59375">Business Needs</th></tr></thead><tbody><tr><td><a href="/accept-payments/integration-tools/doku-checkout.md">DOKU Checkout</a></td><td>Accept payments through a ready-to-use checkout page.</td></tr><tr><td><a href="/accept-payments/integration-tools/direct-api.md">Direct API</a></td><td>Integrate Virtual Account payments directly into your website or application.</td></tr><tr><td><a href="/accept-payments/no-integration-products/payment-link.md">Payment Link</a></td><td>Collect payments by sharing a payment link with your customers.</td></tr><tr><td><a href="/accept-payments/integration-tools/e-commerce-and-plugins.md">Plugins</a></td><td>Accept payments on your e-commerce store using Shopify, WooCommerce, or Magento.</td></tr><tr><td><a href="/accept-payments/no-integration-products/digital-catalog.md">Digital Catalog</a></td><td>Showcase your products online and collect payments through a digital catalog.</td></tr></tbody></table>

## Activate BCA Virtual Account

BCA Virtual Account is the only Virtual Account that needs a separate activation. Follow the steps below to apply.

### Step 1: Check Eligibility

Before applying for BCA Virtual Account, make sure your business meets the following requirements.

<table><thead><tr><th width="198.875">Requirement</th><th>Description</th></tr></thead><tbody><tr><td>Registered business entity</td><td>Your business must be a registered business entity, such as a PT or CV. PT Perorangan and individual businesses are not eligible.</td></tr><tr><td>No existing BCA VA facility</td><td>Your business must not already have a direct cooperation with BCA or a BCA VA Online facility.</td></tr><tr><td>BCA settlement account</td><td>Your business must have an active BCA account registered under your business to receive funds.</td></tr><tr><td>Eligible business activity</td><td>Your business must operate legally and comply with the BCA VA Declaration.</td></tr></tbody></table>

Some business categories are restricted. Review the Declaration before applying.

<details>

<summary>BCA Virtual Account Declaration</summary>

By applying for BCA Virtual Account, you declare and guarantee that:

1. Your business operates legally and does not fall under business categories restricted from applying for BCA VA under the Aggregator scheme. These include pornography or adult services, investment, gambling, narcotics, cryptocurrency, dangerous goods, counterfeit products, and other illegal activities.
2. BCA VA will only be used to receive customer payments for your business's own products or services. It must not be used for fundraising, top-ups, cash-outs, remittances, fund transfers, marketplaces or transaction intermediaries, or the trading of vouchers and transferable digital products. Your business must not operate as an unlicensed financial service provider where a license is required by applicable regulations.
3. All submitted information and documents are true, complete, and accurate. If discrepancies or changes affecting eligibility are identified, your service may be subject to further evaluation, suspension, or termination in accordance with applicable regulations.

</details>

### Step 2: Prepare Document

You will need the following when you fill in the [BCA VA Activation Form](#step-4-complete-the-activation-form):

* [ ] **BCA bank account details** under your legal entity's name
* [ ] **Business description and licenses**, such as NIB, BPOM, Halal certification, or PIRT
* [ ] **How you will use Virtual Account**, including your payment channels (website, app, or others)
* [ ] **Estimated transactions**: frequency, average amount, and highest amount
* [ ] **Transaction Flow**: documentation of the process from placing an order to completing payment, through your website, app, or other channels such as social media or chat.

{% file src="/files/G3Fz09f9MEL56HA0bw0S" %}

### Step 3: Activate in DOKU Dashboard

1. Log in to your [DOKU Dashboard](https://dashboard.doku.com).
2. Select **Settings > Account > Service.**
3. Click **ADD SERVICE**.

<div align="left"><figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2Fs7PaYCwEPd5cVXW4f4UZ%2Fqris-step3-1-add-service%20(1).png?alt=media&amp;token=d9e8f59f-0e34-4d54-9cc5-591c78d36fcb" alt="" width="375"><figcaption></figcaption></figure></div>

4. Select the **BCA Virtual Account type** that fits how your customers pay or bill type, then click **ACTIVATE**.

<div align="left"><figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FkLBT6LkdhuvayIQiznEG%2Fbca-va-select-service.png?alt=media&amp;token=e78c8a81-6b65-4db5-a8a7-f0e5780f6419" alt="" width="375"><figcaption></figcaption></figure></div>

{% hint style="info" %}
&#x20;Integrating through SNAP API? Select **Virtual Account BCA - Close Amount (SNAP)** instead.
{% endhint %}

### Step 4: Complete the Activation Form

After you click **ACTIVATE**, you will receive the BCA VA Activation Form by email or WhatsApp.

1. Open the form and fill in the required information, including your BCA settlement account details.
2. Read and agree to the Declaration.
3. Click **SUBMIT**

Your application will go through a verification process. Check your DOKU Dashboard for the application status and any further instructions.

### Common BCA VA Activation Mistakes

Avoid these common mistakes to help prevent delays or rejection of your BCA Virtual Account activation.

| Mistake                                                                                   | ✅ What to Do Instead                                                            |
| ----------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------- |
| Applying as a PT Perorangan or individual business                                        | Apply using an eligible registered business entity, such as a PT or CV.         |
| Using an inactive BCA account or an account from another bank                             | Provide an active BCA account registered under your business.                   |
| Applying despite having an existing BCA VA Online facility or direct cooperation with BCA | Check your existing arrangement before applying through DOKU.                   |
| Using BCA VA for top-ups, fund transfers, or marketplace payments                         | Use BCA VA only to receive payments for your own eligible products or services. |
| Submitting inaccurate or incomplete information                                           | Ensure all information and supporting documents are complete and accurate.      |

## Configuration

#### Merchant Prefix Name

You can configure your prefix name for Virtual Account 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 **Settings** from the menu
3. **Settings** page will appear. Under **Payment Configuration** section, select **Virtual Account**
4. **Virtual Account Settings** page will appear, then click **Configure** based on the Virtual Account of your choice
5. A pop-up box will appear where you can add or change the prefix of the Virtual Account to be your business/brand name, then click **SAVE**.

## Other Amount Types

Most businesses use **Closed Amount**, which is selected in Step 3. If your customers need to pay differently, other amount types are set up with Sales assistance. Contact your Business Consultant, or <care@doku.com> if you don't have one.

<table><thead><tr><th width="126.2578125">Bill Type</th><th width="351.328125">How Customers Pay</th><th width="203.7265625">Select</th></tr></thead><tbody><tr><td>Closed Bill</td><td>Customers pay the exact amount in the bill</td><td>Virtual Account BCA - Close Amount</td></tr><tr><td>Open bill</td><td>Customers enter the amount themselves, with no amount set in advance</td><td>Virtual Account BCA - Open Amount</td></tr><tr><td>Variable bill</td><td>Customers see the bill amount but can change it, for example to pay part of the bill</td><td>Virtual Account BCA - Variable Amount</td></tr></tbody></table>

## FAQs

Find answers to common questions about Virtual Account availability, BCA activation, integration, and configuration.

#### General

<details>

<summary>Do I need to activate Virtual Account?</summary>

No. Virtual Account for supported banks other than BCA is active by default once your DOKU Business Account is verified. BCA Virtual Account requires a separate activation process.

</details>

<details>

<summary>Which type of Virtual Account is active by default?</summary>

Virtual Account uses Closed Amount (FIX BILL) by default. Your customer must pay the exact amount stated in the bill.

</details>

<details>

<summary>What is the difference between SNAP and Non-SNAP Virtual Account integration?</summary>

SNAP (Standar Nasional Open API Pembayaran) is Indonesia's national standard for payment API integration, designed to promote secure, standardized, and interoperable payment services.

DOKU Checkout, Payment Link, Plugins, and Digital Catalog are already **SNAP-ready**, so you don't need to handle SNAP verification separately when using these products.

For [**Direct API**](/accept-payments/integration-tools/direct-api.md), additional [SNAP verification](/miscellaneous/snap-migration.md) may be required to ensure your integration complies with the applicable standards and requirements.

If you need further clarification or assistance with SNAP verification, contact Customer Support at <care@doku.com>.

</details>

<details>

<summary>How long does the BCA Virtual Account activation process take?</summary>

BCA’s review process takes 7–14 business days after all required documents have been submitted and are complete. You will receive an email notification once BCA has made a decision.

</details>

<details>

<summary>What is a Transaction Flow?</summary>

A Transaction Flow is documentation that shows the process from placing an order to completing payment. It may cover transactions through an application, website, or other channels, such as social media or chat, followed by the relevant payment process.

{% file src="/files/JcFB7fPNclXN0XeI333r" %}

</details>

#### Eligibility

<details>

<summary>Who can activate BCA Virtual Account?</summary>

No. Businesses registered as legal entities (such as PT, CV, foundations, and similar entities) that have an active conventional BCA bank account (not BCA Syariah) under the legal entity’s name and have never activated BCA Virtual Account before, either directly through BCA or through another provider.BCA Virtual Account is only available for registered business entities, such as a PT or CV.

</details>

<details>

<summary>Can I apply for BCA Virtual Account as an individual or PT Perorangan?</summary>

No. BCA Virtual Account is only available for registered business entities, such as a PT or CV.

</details>

<details>

<summary>Which businesses can apply for BCA Virtual Account?</summary>

BCA Virtual Account can only be used to receive payments for a business’s own products or services. It cannot be used to collect or forward funds on behalf of other parties.\
Applications for BCA VA Biller Aggregator cannot be processed if the applicant operates in any of the following business categories:

* Pornography and adult services, including adult services and nightclubs.
* Investment services, including gold, mutual funds, and other investment products.
* Gambling.
* Cash-out activities, including platforms suspected of facilitating cash-out transactions through card swiping.
* Cryptocurrency and related business activities.
* Financial service providers, including remittance or money transfer services, banks, and electronic money providers.
* Payment gateways or platforms that may act as aggregators.
* Trading of transferable vouchers or digital products.
* Balance top-ups or fund collection activities.
* Marketplaces or intermediary platforms that connect sellers or service providers with buyers or users.
* Business activities that violate applicable laws or regulations, including but not limited to money laundering, terrorist financing, proliferation financing for weapons of mass destruction, illegal investments, fraud, and other criminal activities.

</details>

<details>

<summary>What do I need to prepare to activate BCA Virtual Account?</summary>

Merchant need to prepare the following:

* BCA bank account details under the legal entity’s name.
* A business description and relevant business licenses or permits, such as NIB, BPOM, Halal certification, or PIRT.
* The intended use of Virtual Account for receiving payments, including the channels used (website, application, or other channels).
* Estimated transaction details, including frequency, average transaction amount, and highest transaction amount.
* Transaction Flow documentation.

</details>

<details>

<summary>My business already uses BCA VA Online. Can I still apply through DOKU?</summary>

No. Businesses that already have a direct cooperation with BCA or a BCA VA Online facility are not eligible to apply through DOKU.

</details>

<details>

<summary>Can I use a settlement account from another bank?</summary>

No. You must have an active BCA account registered under your business to receive the funds from BCA Virtual Account.

</details>

#### Rejection

<details>

<summary>Why was my BCA Virtual Account application rejected?</summary>

Your BCA Virtual Account application may be rejected if:

* Your business falls under a category that BCA cannot process, such as marketplaces, investment services, cryptocurrency, or balance top-ups. For the full list, refer to “Which businesses can apply for BCA Virtual Account?”
* Your business already has an online BCA Virtual Account facility, either through a direct arrangement with BCA or through an aggregator.
* You submitted a BCA Syariah bank account as the account for your application.
* The name on your BCA bank account does not match the name of your legal entity.
* Your documents or business description are incomplete.

or see [Common Mistakes](#common-application-mistakes).

</details>

<details>

<summary>What should I do after my application is rejected?</summary>

Contact Customer Support at <care@doku.com> for assistance in understanding the rejection reason and the next steps.

</details>

#### Integration and Testing

<details>

<summary>How do I integrate Virtual Account into my website or app?</summary>

You can accept Virtual Account payments through DOKU Checkout, Direct API, Plugins, Payment Link, and Digital Catalog, depending on your [business needs](#getting-started-with-virtual-account).

</details>

<details>

<summary>Can I test Virtual Account payments before going live?</summary>

Yes. You can test your integration in the DOKU Sandbox environment before accepting live payments. Refer to the relevant integration documentation for setup instructions.

</details>


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