Accept bank transfers through virtual accounts
A virtual account is a unique account number created for a single transaction. The buyer transfers to it from any bank's mobile banking, internet banking, or ATM, and the system matches the payment automatically without you checking statements. SekaliPay offers 10 bank virtual accounts: BCA, BNC, BNI, BRI, BSI, CIMB Niaga, Danamon, Mandiri, Permata. The fee is flat per transaction, Rp 2,500 to Rp 4,700, independent of the amount, which makes it a good fit for large transactions.
Data as of October 16, 2026
How does a buyer pay with Virtual Account?
The buyer picks a bank and receives a virtual account number with the amount to transfer.
The buyer transfers to that number from any bank's mobile banking, internet banking, or ATM.
The payment is confirmed automatically once the transfer arrives, and a webhook is sent to your system.
Best for
- Large transactions, because the fee is flat and does not scale with the amount
- Buyers who are used to bank transfers and do not use e-wallets
- B2B payments and subscription invoices
When do Virtual Account funds reach your balance?
Settlement differs per bank, from D+0 (same day) to D+2. See the Settlement column in the table.
Available Virtual Account methods
10 active Virtual Account methods, data as of October 16, 2026.
| Method | Fee | Settlement | Minimum transaction | Maximum transaction |
|---|---|---|---|---|
 BCA Virtual AccountBCAVA | Rp 4,700 | H+2 | Rp 10,000 | Rp 10,000,000 |
 BNC Virtual Account (NEO)BNCVA | Rp 3,500 | H+1 | Rp 10,000 | Rp 50,000,000 |
 BNI Virtual AccountBNIVA | Rp 4,000 | H+0 · Same day | Rp 10,000 | Rp 50,000,000 |
 BRI Virtual AccountBRIVA | Rp 3,500 | H+1 | Rp 10,000 | Rp 10,000,000 |
 BSI Virtual AccountBSIVA | Rp 4,000 | H+1 | Rp 10,000 | Rp 2,000,000 |
 CIMB Niaga Virtual AccountCIMBVA | Rp 3,000 | H+0 · Same day | Rp 10,000 | Rp 50,000,000 |
 Danamon Virtual AccountDANAMONVA | Rp 3,000 | H+0 · Same day | Rp 10,000 | Rp 50,000,000 |
 Mandiri Virtual AccountMANDIRIVA | Rp 4,000 | H+0 · Same day | Rp 10,000 | Rp 50,000,000 |
 Permata VA AlternativePERMATAVAA | Rp 3,500 | H+1 | Rp 1,000 | Rp 1,000,000 |
 Permata Virtual AccountPERMATAVA | Rp 2,500 | H+1 | Rp 10,000 | Rp 50,000,000 |
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