---
title: "Permata Virtual Account"
slug: "permata-virtual-account"
updated: 2026-07-22T10:02:18Z
published: 2026-07-22T10:02:18Z
canonical: "docs.xendit.co/permata-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.

# Permata Virtual Account

![](https://cdn.document360.io/217abc43-8677-41fb-a81d-fceeb1fa0358/Images/Documentation/blue-black_permata_bank_logotype_rgb.png?sv=2026-02-06&spr=https&st=2026-10-17T23%3A54%3A08Z&se=2026-10-18T00%3A54%3A08Z&sr=c&sp=r&sig=skQ%2BcVI44Ox3fAUb6e6lSjAn0HzLbGZ3KyYADEmivq4%3D)

Permata Virtual Account is a payment channel offered by Permata Bank, allowing customers to pay using a unique virtual account number assigned to their transaction. Known for its innovative banking solutions, Permata Bank is a trusted financial institution in Indonesia, making this payment method a popular choice for businesses and consumers alike.

When customers choose Permata Virtual Account during checkout, they receive a virtual account number specific to their payment. Transactions can be completed via mobile banking, internet banking, or ATMs. Once the payment is made, you receive real-time confirmation, ensuring a smooth and efficient payment process for you and your customers.

---

## Features

| **Channel Code** | PERMATA_VIRTUAL_ACCOUNT |
| --- | --- |
| **Display Name** | Permata Virtual Account |
| **Currency** | IDR |
| **Country** | ID |
| **Type** | BANK TRANSFER |
| **Min Amount** | 1 |
| **Max Amount** | 9,999,999,999.00 |
| **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 (with XENDIT as prefix) |
| **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 Permata mobile app
2. Select **Pembayaran Tagihan > Virtual Account**
3. Enter virtual account number (e.g. 729361827494)
4. Enter authentication token

**Internet banking**

1. Log in to [https://www.permatanet.com](https://www.permatanet.com)
2. Select **Pembayaran Tagihan > Virtual Account**
3. Enter virtual account number (e.g. 729361827494)
4. Confirm payment details
5. Enter SMS token response code

**ATM**

1. Insert ATM Card
2. Select preferred language
3. Enter ATM PIN
4. Select **Transaksi Lainnya > Pembayaran > Pembayaran Lainnya > Virtual Account**
5. Enter virtual account number (e.g. 729361827494)
6. Confirm payment details
7. Enter PIN