---
title: "BSI Virtual Account"
slug: "bsi-virtual-account"
updated: 2026-07-22T10:02:18Z
published: 2026-07-22T10:02:18Z
canonical: "docs.xendit.co/bsi-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.
# BSI Virtual Account
BSI Virtual Account is a leading Islamic banking payment channel in Indonesia, offered by Bank Syariah Indonesia, the country's largest Sharia-compliant bank formed through the merger of three state-owned Islamic banks.
When customers select BSI Virtual Account at checkout, they are assigned a unique virtual account number. They can complete the payment through multiple channels including BSI Mobile banking, BSI Net banking, ATMs, or at any BSI branch location. Once the customer transfers the exact payment amount to the designated virtual account number, you receive instant confirmation of the transaction.
---
## Features
| **Channel Code** | BSI_VIRTUAL_ACCOUNT |
| --- | --- |
| **Display Name** | BSI 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** | MERCHANT (Xendit will be displayed as Institution Name) |
| **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 **BYOND BSI**
2. Choose Bayar & Beli
3. Search Xendit, Choose Prefix VA: 9347 or 9655
4. Insert code (without prefix) (e.g. 33371937)
5. Enter PIN
6. Confirm payment details
**Internet banking**
1. Log in to [https://bsinet.bankbsi.co.id](https://bsinet.bankbsi.co.id)
2. Click **Payment**
3. Choose source of payment
4. Click **Institution**
5. Enter Xendit as institution name (code 9347)
6. Enter virtual account number (e.g. 33371937)
7. Confirm payment details
8. Enter authentication token code
**ATM**
1. Insert ATM Card
2. Select preferred language
3. Enter ATM PIN
4. Select **Payment/Purchase > Institution**
5. Enter virtual account number (e.g. 934733371937)
6. Confirm payment details
**Interbank**
1. Log in to your bank Account
2. Click **Transfer > Choose BSI**
3. Enter **009** + **BSI Virtual Account code 9347 + virtual account number**, (e.g. 934733371937)
4. Enter payment amount
5. Select source of payment
6. Choose **Online Transfer**
7. Confirm payment details