BNC Virtual Account

Prev Next

BNC Virtual Account is an emerging digital banking payment channel in Indonesia. It is provided by Bank Neo Commerce, a digital-first bank that evolved from Bank Yudha Bhakti and is known for its modern banking solutions targeting tech-savvy customers.

When customers choose BNC Virtual Account during checkout, they’ll receive a unique virtual account number. They can then complete the payment through the Neo Bank mobile app, internet banking platform, ATMs, or other supported banking channels. The payment is confirmed automatically once the customer transfers the exact amount to the provided virtual account number.


Features

Channel Code

BNC_VIRTUAL_ACCOUNT

Display Name

BNC Virtual Account

Currency

IDR

Country

ID

Type

BANK TRANSFER

Min Amount

1

Max Amount

50,000,000,000.00

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

MERCHANT

Display User Name

Set Expiry

Payment Request Expiry (hours)

-

Payment Token Validity (years)

-

Payment Processing Time (hours)

INSTANT

Settlement Time

INSTANT

Installments

-

Refund

-

Partial Refund

-

Multiple Partial Refund

-

Refund Validity (days)

-

Payment Link

Fund Flow

AGGREGATOR, SWITCHER

Payment flow

Mobile banking

  1. Log in to BNC mobile banking or Neobank app

  2. Click Hematpay VA & QRIS

  3. Enter virtual account number (e.g. 9010001050411994)

  4. Enter payment amount

  5. Confirm payment information

  6. Enter PIN

ATM

  1. Insert ATM Card

  2. Select preferred language

  3. Enter ATM PIN

  4. Select Pembayaran VA

  5. Enter virtual account number (e.g. 9010001050411994)

  6. Enter payment amount

  7. Confirm payment information

  8. Enter PIN