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BNC Virtual Account

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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

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

  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