BNI Virtual Account

BNI Virtual Account is a payment channel offered by Bank Negara Indonesia (BNI), allowing customers to pay using a unique virtual account number tied to their transaction. As one of Indonesia's oldest and most established banks, BNI is a popular choice among customers, making this payment channel widely adopted across the country.

When customers choose BNI Virtual Account at checkout, they are assigned a virtual account number for their payment. They can complete the transaction via mobile banking, internet banking, or ATM. You receive real-time payment confirmation, ensuring a smooth and reliable payment process for both you and your customers.

Features

Channel code	`BNI_VIRTUAL_ACCOUNT`
Currency	IDR
Minimum amount	1
Maximum amount	50,000,000
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 BNI mobile banking app
Click Transfer > Virtual Account Billing, then choose debit account
Enter virtual account number (e.g. 880849021633)
Payment amount will be displayed on the screen
Confirm payment information
Enter password

Internet banking

Log in to https://ibank.bni.co.id
Click Transfer > Virtual Account Billing
Enter virtual account number (e.g. 880849021633)
Choose bank account
Payment amount will be displayed on the screen
Enter authentication token code

ATM

Insert ATM Card
Select preferred language
Enter ATM PIN
Select Other Transaction > Transfer
Choose account type
Enter virtual account number (e.g. 880849021633)
Payment amount will be displayed on the screen
Confirm payment information