Virtual Account
A Virtual Account (VA) is a unique bank account number you can generate to receive payments from customers. It’s commonly used for tracking payments per transaction or per user and provides a seamless, traceable, and scalable way to manage incoming funds.
Types of VA
Open VA
An Open VA allows customers to send any amount of money. It’s reusable and not restricted by a predefined value. Customers input the payment amount themselves via their mobile banking, internet banking, or ATM.
🔄 Typical Use Case:
- E-Wallet Top-ups
- Flexible Deposits
For every successful payment, Brick will:
- Automatically detect the transaction
- Send a callback notification to your server
Bank Name | Bank Short Code | Max Amount | Settlement Time |
---|---|---|---|
BRI | BRI | Rp500.000.000 | T+1 working day |
Bank Mandiri | MANDIRI | Rp1.000.000.000 | T+1 working day |
Bank Danamon | DANAMON | Rp100.000.000 | T+1 working day |
Bank CIMB Niaga | CIMB_NIAGA | Rp500.000.000 | T+1 working day |
Bank Permata | PERMATA | Rp500.000.000 | T+1 working day |
Bank Hana | HANA | Rp100.000.000 | T+1 working day |
Bank Sahabat Sampoerna | SAHABAT_SAMPOERNA | Rp100.000.000 | T+1 working day |
BCA | BCA | Rp1.000.000.000 | T+2 working day |
Close VA
A Close VA is tied to a specific payment amount and includes an expiration time. This ensures the customer must:
- Pay the exact amount
- Pay before the VA expires (set between 1 hour to 30 days)
Typical Use Case:
- E-commerce checkout
- Invoice payment
- Order-based transactions
Close VAs are especially useful when you want to:
- Lock stock availability
- Match payments with orders without reconciliation effort
Bank Name | Bank Short Code | Max Amount | Settlement Time |
---|---|---|---|
BRI | BRI | Rp1.000.000.000 | T+1 working day |
BNI | BNI | Rp100.000.000 | T+1 working day |
Bank Mandiri | MANDIRI | Rp1.000.000.000 | T+1 working day |
Bank CIMB Niaga | CIMB_NIAGA | Rp1.000.000.000 | T+1 working day |
Bank Permata | PERMATA | Rp1.000.000.000 | T+1 working day |
Bank Danamon | DANAMON | Rp100.000.000 | T+1 working day |
BCA | BCA | Rp1.000.000.000 | T+2 working day |
Need Same Day Settlement?
Reach out to our sales team to enable instant balance reflection for selected banks.
How It Works
Each VA is tied to a specific order, customer, or use case. When a customer sends a payment to the assigned VA number, Brick detects the transaction and sends a real-time callback to your server. After the settlement time is fulfilled, the funds are reflected in your Brick balance.
- Supported Range: Rp10.000 – Rp1.000.000.000
- Settlement Time: Varies by bank (see tables below)
Callback Notification
For both Open and Close VAs, Brick will send a callback to your configured URL once the payment is received. This allows you to:
- Auto-confirm orders
- Update user balance
- Send payment confirmation notifications
VA Status Lifecycle
When a customer makes a payment to a generated Virtual Account (VA), two statuses are triggered:
- Paid – Sent in real time via callback, confirming that the payment has been received by the bank.
- Completed – Sent after the payment has been settled and added to your Brick balance, based on:
- Your contracted settlement agreement, or
- The default settlement schedule: T+1 or T+2 working days depending on the bank.
(Refer to the Virtual Account overview for specific bank timelines.)
What to read next
- Want to use VA via dashboard? See the Create VA via Dashboard Guide.
- Prefer to integrate VA via API? See the Generate Open VA API Guide or Generate Close VA API Guide
Updated 24 days ago