---
title: "BNI Virtual Account"
slug: "bni-virtual-account"
updated: 2026-06-16T10:01:04Z
published: 2026-06-16T10:01:04Z
canonical: "docs.xendit.co/bni-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.
# BNI Virtual Account
.png)
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 |
| --- | --- |
| **Display Name** | BNI 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** | - |
| **Desktop Support** | - |
| **Mobile Support** | - |
| **Custom Payment Code** | ✓ |
| **Display Merchant Name** | XENDIT, 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, GATEWAY |
## Payment flow
**Mobile banking**
1. Log in to BNI mobile banking app
2. Click **Transfer > Virtual Account Billing**, then choose debit account
3. Enter virtual account number (e.g. 880849021633)
4. Payment amount will be displayed on the screen
5. Confirm payment information
6. Enter password
**Internet banking**
1. Log in to [https://ibank.bni.co.id](https://ibank.bni.co.id)
2. Click **Transfer > Virtual Account Billing**
3. Enter virtual account number (e.g. 880849021633)
4. Choose bank account
5. Payment amount will be displayed on the screen
6. Enter authentication token code
**ATM**
1. Insert ATM Card
2. Select preferred language
3. Enter ATM PIN
4. Select **Other Transaction > Transfer**
5. Choose account type
6. Enter virtual account number (e.g. 880849021633)
7. Payment amount will be displayed on the screen
8. Confirm payment information
[BNI Virtual Account.MP4](https://cdn.document360.io/217abc43-8677-41fb-a81d-fceeb1fa0358/Images/Documentation/BNI%20Virtual%20Account.MP4)