Payment
Virtual Account (VA)
VA Payment Flow
8 min
there are 2 types of {{payment}} flow based on who are generating {{the}} va {{payment}} number, as follows {{paymentproduct}} {{api}} (direct) {{checkoutproduct}} {{api}} (redirect) {{niva}} {{api}} payment api on this va type, after {{the}} {{customer}} request for va number creation on their {{transaction}} , {{merchant}} must request {{nicepay}} to create that va number then, after {{merchant}} receives that number from {{nicepay}} , give that va number to {{the}} {{customer}} to {{proceed}} with {{the}} {{payment}} on {{the}} provided {{payment}} {{page}} the {{merchant}} can get {{the}} success {{notification}} {{status}} after {{the}} {{customer}} success pays {{the}} bill steps description the {{customer}} sends {{checkout}} data to {{the}} {{merchant}} the {{merchant}} requests {{the}} registration through {{api}} registration to {{nicepay}} {{nicepay}} sends {{the}} response consisting of {{the}} va number and txid to {{the}} {{merchant}} the {{merchant}} saves {{the}} va number the {{merchant}} sends va {{information}} to {{the}} {{customer}} the {{customer}} input and sends va to {{the}} {{bank}} the {{bank}} validates {{the}} {{payment}} the {{bank}} sends {{payment}} result {{notification}} to {{the}} {{customer}} the {{bank}} sends {{payment}} results to {{nicepay}} {{nicepay}} updates {{payment}} {{status}} {{nicepay}} sends dbprocessurl {{notification}} to {{the}} {{merchant}} the {{merchant}} receives {{the}} {{notification}} the {{merchant}} checks {{the}} {{status}} using {{api}} inquiry to {{nicepay}} {{nicepay}} sends {{the}} response to {{the}} {{merchant}} {{nicepay}} updates {{status}} the {{merchant}} sends an {{order}} confirmation to {{the}} {{customer}} checkout api the biggest difference between {{the}} {{checkoutproduct}} {{api}} and with {{paymentproduct}} {{api}} is {{the}} view of {{the}} {{payment}} {{page}} or {{checkout}} provided by {{nicepay}} so {{the}} {{customer}} can receive {{the}} va number from {{the}} bill directly this {{nicepay}} {{checkoutproduct}} feature is very convenient when {{merchant}} has or doesn't want to develop their {{payment}} {{page}} , therefore {{the}} {{merchant}} can use {{the}} {{payment}} {{page}} provided by {{nicepay}} steps description the {{customer}} does {{checkout}} the {{customer}} sends {{checkout}} data to {{the}} {{merchant}} the {{merchant}} requests {{checkout}} using {{api}} registration to {{nicepay}} {{nicepay}} redirects {{the}} {{merchant}} to {{the}} {{nicepay}} {{payment}} {{page}} the {{merchant}} sends {{the}} {{nicepay}} {{payment}} {{page}} to {{the}} {{customer}} the {{customer}} chooses {{the}} {{paymethod}} the {{customer}} pays using va to {{the}} {{bank}} the {{bank}} does {{the}} {{payment}} {{process}} the {{bank}} sends {{payment}} results to {{the}} {{customer}} the {{bank}} sends {{payment}} notifications to {{the}} {{nicepay}} {{nicepay}} updates {{payment}} {{status}} {{nicepay}} sends dbprocessurl {{notification}} to {{the}} {{merchant}} the {{merchant}} receives {{the}} {{status}} the {{merchant}} requests a {{status}} inquiry to {{the}} {{merchant}} {{nicepay}} receives {{the}} request {{nicepay}} sends {{the}} {{status}} inquiry response to {{the}} {{merchant}} the {{merchant}} gets {{the}} final {{status}} the {{merchant}} sends {{the}} {{transaction}} result {{page}} to {{the}} {{customer}} nicepay inquiry virtual account api the difference between {{niva}} with {{the}} other {{api}} va type is {{the}} {{merchant}} will create {{the}} va number and save that va number to their {{system}} then, {{nicepay}} validates beforehand to {{the}} {{merchant}} that va number to {{proceed}} with {{the}} {{payment}} request by {{the}} {{customer}} steps description the {{customer}} registers {{the}} customer id to {{the}} {{merchant}} the {{merchant}} processes {{the}} customer id and saves {{the}} vacctlist the {{merchant}} sends a response containing {{the}} customer id and vacctlist the {{customer}} sends {{the}} inquiry creating to {{the}} {{bank}} the {{bank}} requests data inquiry detail to {{nicepay}} {{nicepay}} requests inquiry {{merchant}} service to {{the}} {{merchant}} the {{merchant}} searches {{the}} data the {{merchant}} sends a response inquiry to {{nicepay}} {{nicepay}} sends a response consist data inquiry detail to {{the}} {{bank}} the {{bank}} displays va to {{the}} {{customer}} the {{customer}} confirms va data the {{customer}} proceeds with {{the}} {{payment}} to {{the}} {{bank}} the {{bank}} processes {{the}} {{payment}} the {{bank}} requests {{payment}} confirmation to {{the}} {{merchant}} {{nicepay}} requests {{payment}} confirmation to {{the}} {{merchant}} the {{merchant}} validates {{the}} {{payment}} the {{merchant}} sends {{the}} {{payment}} confirmation response to {{nicepay}} {{nicepay}} sends {{the}} {{payment}} confirmation response to {{the}} {{bank}} the {{bank}} processes {{the}} {{payment}} validation result the {{bank}} displays {{the}} {{payment}} results to {{the}} {{customer}} see also {{visit}} {{the}} va feature docid\ zkwehsqatkvqybcnoeui0 {{page}} to find out {{the}} {{transaction}} feature on {{the}} {{va}} {{visit}} {{the}} va integration & testing docid\ j 3a7xe6q 2tn8a5gcvjv {{page}} to find out how to perform {{integration}} and {{testing}} of {{the}} {{nicepay}} {{va}} {{system}} {{visit}} {{the}} va glossary docid\ resknu2mjlhka464 5u u {{page}} to find out {{the}} particular term used on {{va}} {{visit}} {{the}} va faq docid\ smiwnmrzqjmhnwdjwqzd5 {{page}} if you want to find out frequently asked questions related to {{va}}