Muamalat Virtual Account (pilot)

Bank Muamalat Virtual Account is a prominent Islamic banking payment method in Indonesia. It is offered by Bank Muamalat Indonesia, the country's first Islamic bank and a pioneer in Sharia-compliant banking services since 1991.

When customers select Muamalat Virtual Account at checkout, they receive a unique virtual account number. They can complete the payment through multiple channels including Muamalat DIN (Digital Islamic Network) mobile banking, internet banking, ATMs, or at any Bank Muamalat branch location. The payment is confirmed instantly once the customer transfers the exact amount to the provided virtual account number.

Features

Channel code	`MUAMALAT_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 nser 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 MDIN mobile banking
Select Beli/Bayar > Beli/Bayar Tagihan > Virtual Account
Enter virtual account number (e.g. 9010001112341234234)
Enter payment amount
Confirm payment details
Enter PIN

Internet banking

Log in to Muamalat Internet Banking
Click Payment > Virtual Account
Enter virtual account number (e.g. 9010001112341234234)
Enter payment amount
Confirm payment details
Enter PIN

ATM

Insert ATM Card
Select preferred language
Enter ATM PIN
Select Pembayaran > Virtual Account
Enter virtual account number (e.g. 9010001112341234234)
Enter payment amount
Confirm payment details
Enter PIN