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 |
|
Currency | IDR |
Minimum amount | 1 |
Maximum amount | 50,000,000,000 |
User approval flow | PRESENT TO CUSTOMER |
Reusable payment code | ✅ |
Custom payment code | ❌ |
Display merchant name | MERCHANT |
Display user name | ✅ |
Set expiry | ✅ |
Settlement time | Instant |
Refund | ❌ |
Partial refund | ❌ |
Multiple partial refund | ❌ |
Refund validity | N/A |
Compatible integration | Payment API, Payment Links |
Payment flow
Mobile banking
Log in to BNC mobile banking or Neobank app
Click Hematpay VA & QRIS
Enter virtual account number (e.g. 9010001050411994)
Enter payment amount
Confirm payment information
Enter PIN
ATM
Insert ATM Card
Select preferred language
Enter ATM PIN
Select Pembayaran VA
Enter virtual account number (e.g. 9010001050411994)
Enter payment amount
Confirm payment information
Enter PIN