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

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

⚡

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