---
title: "BCA Virtual Account"
slug: "bca-virtual-account"
updated: 2025-10-07T10:02:03Z
published: 2025-10-07T10:02:03Z
---
> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xendit.co/llms.txt
> Use this file to discover all available pages before exploring further.
# BCA Virtual Account
BCA Virtual Account is a payment channel provided by Bank Central Asia (BCA), enabling customers to pay conveniently via unique virtual account numbers assigned to each transaction. With its extensive customer base, BCA is a leading financial institution in Indonesia, making this payment method widely recognized and trusted.
When checking out with BCA Virtual Account, customers receive a virtual account number specific to their transaction. They can complete the payment via mobile banking, internet banking, or ATM. Once the payment is made, you receive an instant confirmation, ensuring a seamless and secure payment experience for both you and your customers.
---
## Features
| **Channel Code** | BCA_VIRTUAL_ACCOUNT |
| --- | --- |
| **Display Name** | BCA Virtual Account |
| **Currency** | IDR |
| **Country** | ID |
| **Type** | BANK TRANSFER |
| **Min Amount** | 10,000.00 |
| **Max Amount** | 50,000,000.00 |
| **User Approval Flow** | PRESENT TO CUSTOMER |
| **Reusable Payment Code** | ✓ |
| **Save** | - |
| **Merchant Initiated Transaction** | - |
| **Auth & Capture** | - |
| **Partial Capture** | - |
| **Multiple Partial Capture** | - |
| **Desktop Support** | - |
| **Mobile Support** | - |
| **Custom Payment Code** | ✓ |
| **Display Merchant Name** | XENDIT, MERCHANT |
| **Display User Name** | ✓ |
| **Set Expiry** | ✓ |
| **Payment Request Expiry (hours)** | - |
| **Payment Token Validity (years)** | - |
| **Payment Processing Time (hours)** | INSTANT |
| **Settlement Time** | T+1 BUSINESS DAYS |
| **Installments** | - |
| **Refund** | - |
| **Partial Refund** | - |
| **Multiple Partial Refund** | - |
| **Refund Validity (days)** | - |
| **Payment Link** | ✓ |
| **Fund Flow** | AGGREGATOR, SWITCHER |
## Payment flow
**Mobile banking**
**Log In To Your Account**
1. Open BCA Mobile App
2. Select "m-BCA", then select "m-Transfer"
**Payment Details**
1. Select "m-BCA", then select "m-Transfer"
2. Enter your Virtual Account Number, for example 3816523906568, then press "OK"
3. Click on "Send" button at the top right corner to proceed
4. Click "OK" to proceed
5. Enter your PIN to authorize the transaction
**Internet banking**
**Log In To Your Account**
1. Login to KlikBCA Individual ([https://ibank.klikbca.com](https://ibank.klikbca.com))
2. Select "Transfer", then select "Transfer to BCA Virtual Account"
**Payment Details**
1. Enter the Virtual Account Number, for example 3816523906568
2. Select "Continue" to proceed your payment
3. Enter "RESPON KEYBCA APPLI 1" shown in your BCA Token, then click on the "Send" button
4. Enter the authentication token code
**ATM**
**Find Nearest ATM**
1. Insert your BCA ATM card and PIN
2. Enter your ATM PIN
**Payment Details**
1. Select Menu "Other Transaction"
2. Select "Transfer"
3. Select "To BCA Virtual Account"
4. Enter Virtual Account Number, for example 3816523906568. Press "Correct" to proceed
5. Verify Virtual Account details and then enter amount to be transferred and select "Correct" to confirm
6. Confirm your transaction details displayed
7. Select "Yes" if the details are correct or "No" if the details are not correct