---
title: "Muamalat Virtual Account"
slug: "muamalat-virtual-account"
updated: 2026-06-10T10:01:08Z
published: 2026-06-10T10:01:08Z
---
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# Muamalat Virtual Account
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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.
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## Features
| **Channel Code** | MUAMALAT_VIRTUAL_ACCOUNT |
| --- | --- |
| **Display Name** | Muamalat Virtual Account |
| **Currency** | IDR |
| **Country** | ID |
| **Type** | BANK TRANSFER |
| **Min Amount** | 10,000.00 |
| **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 |
| **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**
1. Log in to MDIN mobile banking
2. Select **Beli/Bayar > Beli/Bayar Tagihan > Virtual Account**
3. Enter virtual account number (e.g. 9010001112341234234)
4. Enter payment amount
5. Confirm payment details
6. Enter PIN
**Internet banking**
1. Log in to Muamalat Internet Banking
2. Click **Payment > Virtual Account**
3. Enter virtual account number (e.g. 9010001112341234234)
4. Enter payment amount
5. Confirm payment details
6. Enter PIN
**ATM**
1. Insert ATM Card
2. Select preferred language
3. Enter ATM PIN
4. Select **Pembayaran > Virtual Account**
5. Enter virtual account number (e.g. 9010001112341234234)
6. Enter payment amount
7. Confirm payment details
8. Enter PIN