Muamalat Virtual Account

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
Display Name	Muamalat 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	-
Multiple Partial Capture	-
Desktop Support	-
Mobile Support	-
Custom Payment Code	✓
Display Merchant Name	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, SWITCHER

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