--- title: VA Payment Flow slug: en/va-payment-flow description: Information about Virtual Account payment method flow on NICEPAY system image: https://archbee-image-uploads.s3.amazonaws.com/ZHvSjR5ZrsoxwKbJa3xmo/UVaur-pYUjaQfOkCg-5tW_microsoftteams-image.png icon: {"faIcon":"fa-solid fa-book"} docTags: createdAt: 2022-08-11T07:13:45.000Z --- There are 2 types of payment flow based on who are generating the VA payment number, as follows: 1. Payment API (Direct). 2. Checkout API (Redirect). 3. NICEPAY Inquiry Virtual Account API. ::::hint{type="info"} :::Iframe{code="Please contact NICEPAY Customer Service to use the NICEPAY Inquiry Virtual Account payment process." iframeHeight="0"} ::: :::: # 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. ![](https://api.archbee.com/api/optimize/ueSgidS-H3kdWkcRhVS2v-2JRLV2nD5JMzl8kJeUpFL-20240821-031405.jpg "VA Payment Process with API") Steps description: 1. The Customer sends checkout data to the Merchant. 2. The Merchant requests the registration through API Registration to NICEPAY. 3. NICEPAY sends the response consisting of the VA number and TXID to the Merchant. 4. The Merchant saves the VA number. 5. The Merchant sends VA information to the Customer. 6. The Customer input and sends VA to the Bank. 7. The Bank validates the payment. 8. The Bank sends payment result notification to the Customer. 9. The Bank sends payment results to NICEPAY. 10. NICEPAY updates payment status. 11. NICEPAY sends `dbProcessUrl` notification to the Merchant. 12. The Merchant receives the notification. 13. The Merchant checks the status using API Inquiry to NICEPAY. 14. NICEPAY sends the response to the Merchant. 15. NICEPAY updates status. 16. The Merchant sends an order confirmation to the Customer. # Checkout API *** The biggest difference between the Checkout API and with Payment 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 Checkout 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. ![](https://api.archbee.com/api/optimize/ueSgidS-H3kdWkcRhVS2v-yUDvoVg0l50sRQ9VX3HEQ-20240821-031430.jpg "VA Checkout Process with API") Steps description: 1. The Customer does checkout. 2. The Customer sends checkout data to the Merchant. 3. The Merchant requests checkout using API Registration to NICEPAY. 4. NICEPAY redirects the Merchant to the NICEPAY payment page. 5. The Merchant sends the NICEPAY payment page to the Customer. 6. The Customer chooses the payment method. 7. The Customer pays using VA to the Bank. 8. The Bank does the payment process. 9. The Bank sends payment results to the Customer. 10. The Bank sends payment notifications to the NICEPAY. 11. NICEPAY updates payment status. 12. NICEPAY sends `dbProcessUrl` notification to the Merchant. 13. The Merchant receives the status. 14. The Merchant requests a status inquiry to the Merchant. 15. NICEPAY receives the request. 16. NICEPAY sends the status inquiry response to the Merchant. 17. The Merchant gets the final status. 18. The Merchant sends the transaction result page to the Customer. # NICEPAY Inquiry Virtual Account API *** The difference between NICEPAY Inquiry Virtual Account 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. ![](https://api.archbee.com/api/optimize/ueSgidS-H3kdWkcRhVS2v-XcQUGoWvM2Cl7ylY4RXN2-20240821-031500.jpg "VA Payment with NICEPAY Inquiry Virtual Account API") Steps description 1. The Customer registers the `Customer ID` to the Merchant. 2. The Merchant processes the `Customer ID` and saves the `vacctList`. 3. The Merchant sends a response containing the `Customer ID` and `vacctList`. 4. The Customer sends the inquiry creating to the Bank. 5. The Bank requests data inquiry detail to NICEPAY. 6. NICEPAY requests Inquiry Merchant Service to the Merchant. 7. The Merchant searches the data. 8. The Merchant sends a response inquiry to NICEPAY. 9. NICEPAY sends a response consist data inquiry detail to the Bank. 10. The Bank displays VA to the Customer. 11. The Customer confirms VA data. 12. The Customer proceeds with the payment to the Bank. 13. The Bank processes the payment. 14. The Bank requests payment confirmation to the Merchant. 15. NICEPAY requests payment confirmation to the Merchant. 16. The Merchant validates the payment. 17. The Merchant sends the payment confirmation response to NICEPAY. 18. NICEPAY sends the payment confirmation response to the Bank. 19. The Bank processes the payment validation result. 20. The Bank displays the payment results to the Customer. # See also ::::VerticalSplit :::VerticalSplitItem Visit the [VA Feature](docId\:ZkWEhsqaTkVqybCNOEUI0) page to find out the transaction feature on the Virtual Account. ::: :::VerticalSplitItem 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. ::: :::: ::::VerticalSplit :::VerticalSplitItem Visit the [VA Glossary](docId\:RESKnu2MJlHkA464_5u_u) page to find out the particular term used on Virtual Account. ::: :::VerticalSplitItem Visit the [VA FAQ](docId\:SmiwNmrzQJMHnwdjwQZD5) page if you want to find out frequently asked questions related to Virtual Account. ::: ::::