---
title: "BNC Virtual Account"
slug: "bnc-virtual-account"
updated: 2026-07-22T10:02:18Z
published: 2026-07-22T10:02:18Z
canonical: "docs.xendit.co/bnc-virtual-account"
---
> ## 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.
# BNC Virtual Account
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** | 10,000.00 |
| **Max Amount** | 50,000,000,000.00 |
| **User Approval Flow** | PRESENT TO CUSTOMER |
| **Reusable Payment Code** | ✓ |
| **Save** | - |
| **Merchant Initiated Transaction** | - |
| **Auth & Capture** | - |
| **Partial Capture** | - |
| **Desktop Support** | - |
| **Mobile Support** | - |
| **Custom Payment Code** | ✓ |
| **Display Merchant Name** | MERCHANT |
| **Customize Display Name** | ✓ |
| **Set Expiry** | ✓ |
| **Payment Request Expiry (hours)** | 48 |
| **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, GATEWAY |
## 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