---
title: VA Feature
slug: en/va-feature
description: Information about features from Virtual Account payment method
image: https://archbee-image-uploads.s3.amazonaws.com/ZHvSjR5ZrsoxwKbJa3xmo/T_iZhP5zk11AWdprMtswW_microsoftteams-image.png
icon: {"faIcon":"fa-solid fa-book"}
docTags:
createdAt: 2022-08-11T07:14:21.000Z
---
The following are existing feature of the Virtual Account payment method in NICEPAY:
1. Normal Closed.
2. Normal Open.
3. Fixed Closed.
4. Fixed Open.
# General VA Terms
***
| **Term** | **Supporting Bank(s)** | **Description** |
| --------------- | --------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Normal Account | BCA, Mandiri, BRI, Permata, KEB Hana, BNI, Danamon, Maybank, BDKI, BJB, BNC, CIMB | VA number will be generated by the system automatically and randomly based on the virtual number limitation from each Bank by NICEPAY. |
| Fixed Account | BCA, Mandiri, BRI, Permata, KEB Hana, BNI, Danamon, Maybank, BJB, CIMB, BNC | This VA number is static and can be generated depending on Merchant purposes such as a number related to Merchant Customer's identity that use to represent by phone number or can also be generated randomly by the system based on the virtual number limitation from each Bank. |
| Open Amount | BCA, Mandiri, BRI, Permata, KEB Hana, BNI, Danamon, Maybank, BJB, CIMB | Type that can receive payment from Customers regardless of the amount. |
| Variable Amount | BCA | Customers can make payments with the amount they want or determined by Merchant in the decided time. |
| Closed Amount | BCA, Mandiri, BRI, Permata, KEB Hana, BNI, Danamon, Maybank, BJB, BDKI, BNC, CIMB | The payment process will be complete if the amount paid by the Customer is appropriate to your determined amount.
Hence, Merchants are required to set the VA number amount field before the payment process occurs. |
# VA Type Based on Generating & Number Storage Process
***
| **Party that generated VA number** | **Supporting Bank(s)** | **Description** |
| ---------------------------------- | --------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------ |
| NICEPAY | BCA, Mandiri, BRI, Permata, KEB Hana, Danamon, BJB, BNI, Maybank, CIMB, BNC & DKI | NICEPAY generates a VA number that will go through Bank's validation before proceeding with the payment. VA number save on NICEPAY's side. |
| Merchant | BCA, Mandiri, BRI, Permata, KEB Hana, Danamon, Maybank, CIMB | Merchants generate VA numbers that will go through NICEPAY's validation before proceeding with the payment. |
| Bank | BNC | Bank generates a VA number that will go through NICEPAY's validation before proceeding with the payment. |
# Differences Between Amount Variable in VA and Installment in Credit Card or Payloan
***
| **VA Variable** | **Credit Card or Payloan Installment** |
| -------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------- |
| No interest | Include interest |
| Payment terms tend to be shorter | Payment terms tend to be longer |
| Can be paid in installments according to the determined amounts by the Customer within a period of time agreed by both Merchant and Customer | Must be paid in installments according to the amounts set by the Bank with the payment time approved by the Customer |
# See also
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Visit the [VA Payment Flow](docId:4kj6Pl6-XOAcm0pJyHLm4) page to find out the system process during payment with the Virtual Account.
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Visit the [VA Integration & Testing](docId\:j-3a7Xe6Q_2Tn8A5GCvjv) page to find out how to perform integration and testing of the NICEPAY Virtual Account system.
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Visit the [VA Glossary](docId\:RESKnu2MJlHkA464_5u_u) page to find out the particular term used on Virtual Account.
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Visit the [VA FAQ](docId\:SmiwNmrzQJMHnwdjwQZD5) page if you want to find out frequently asked questions related to Virtual Account.
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