Virtual Account

What is a Virtual Account?

Virtual Account is currently only available in Indonesia and Vietnam

Virtual Account allows you to receive payments via any local bank account. The way it works is similar to a normal bank transfer—your customers can simply transfer payments to your unique Virtual Account number, and you’ll get automatic notifications whenever a payment is made.


There are 2 available payment flows that you can choose from:

1. Aggregator Model (recommended)

You’ll use the Virtual Account code that belongs to Xendit, and we’ll collect payments on your behalf. Once your customer has made a payment, we’ll immediately transfer the funds to your Xendit balance. You can withdraw these funds any time.

2. Switcher Model

You’ll create and manage your own Virtual Account, and payments will go straight into your bank account. Funds typically take up to 1 working day to settle into your bank account. If you opt for this model, you’ll need to open an account and complete an additional activation process.

Why do we recommend the Aggregator Model?

  • Streamlined payment tracking: All of your payments will be automatically detected and recorded. This feature saves you valuable time by eliminating the need for manual payment checks.
  • Access to a wide range of banks: You can receive payments from over 100 banks without the hassle of opening separate accounts at each bank. Xendit simplifies the process by providing seamless integration with our platform.
  • Instant payments, including large amounts: Virtual Account is one of the fastest ways to receive payments, especially when you need to accept large amounts in one go.

You can accept payments via Virtual Account with these banks:

Bank / Network NameSupported Commercial ModelSupported CountryXendit Merchant Code (Aggregator)
Bank Central Asia (BCA)Aggregator and SwitcherIndonesia7007 / 38165 / 38166
Bank CIMB NiagaAggregator and SwitcherIndonesia93490
Bank DBS IndonesiaAggregator and SwitcherIndonesia9488
Bank Jabar Banten (BJB)AggregatorIndonesia12345
Bank MandiriAggregator and SwitcherIndonesia88608 / 88908
Bank Negara Indonesia (BNI)Aggregator and SwitcherIndonesia8808 / 8930 / 7151 / 7152
Bank Neo Commerce (BNC)Aggregator and SwitcherIndonesia90100011
Bank PermataAggregator and SwitcherIndonesia8214 / 7293
Bank Rakyat Indonesia (BRI)Aggregator and SwitcherIndonesia26215 / 92001 / 13281 / 13282 / 13404 / 13405
Bank Sahabat Sampoerna (BSS)Aggregator and SwitcherIndonesia40102
Bank Syariah Indonesia (BSI)AggregatorIndonesia9347 / 9655
MSB BankAggregatorVietnam9686
PV BankAggregatorVietnam9704
VietcapitalAggregatorVietnam9990
WooriAggregatorVietnam9020
InstaPay / PESONetAggregatorPhilippinesCustom

Looking for other payment channels? Check out Payment Channels Overview.

Last Updated on 2024-05-02