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 NameBank Short CodeMax AmountSettlement Time
BRIBRIRp500.000.000T+1 working day
Bank MandiriMANDIRIRp1.000.000.000T+1 working day
Bank DanamonDANAMONRp100.000.000T+1 working day
Bank CIMB NiagaCIMB_NIAGARp500.000.000T+1 working day
Bank PermataPERMATARp500.000.000T+1 working day
Bank HanaHANARp100.000.000T+1 working day
Bank Sahabat SampoernaSAHABAT_SAMPOERNARp100.000.000T+1 working day
BCABCARp1.000.000.000T+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 NameBank Short CodeMax AmountSettlement Time
BRIBRIRp1.000.000.000T+1 working day
BNIBNIRp100.000.000T+1 working day
Bank MandiriMANDIRIRp1.000.000.000T+1 working day
Bank CIMB NiagaCIMB_NIAGARp1.000.000.000T+1 working day
Bank PermataPERMATARp1.000.000.000T+1 working day
Bank DanamonDANAMONRp100.000.000T+1 working day
BCABCARp1.000.000.000T+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.)


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