---
title: Virtual Account (VA)
slug: en/virtual-account-va-payment
description: Information about the Virtual Account payment method in NICEPAY
image: https://archbee-image-uploads.s3.amazonaws.com/ZHvSjR5ZrsoxwKbJa3xmo/ISbfM9UQekyh_veW08P6i_microsoftteams-image.png
icon: {"faIcon":"fa-solid fa-receipt"}
docTags:
createdAt: 2022-08-11T03:06:14.000Z
---
# About Virtual Account
***
**Virtual Account (VA)** is a Virtual Account number that can proceed with the online transaction using the Real-Time Notification feature to monitor the payment process. NICEPAY worked directly with various Banks to provide VA payment to the Merchant, such as e-Commerce, marketplace, and other types of company with easily, securely, and efficiently.
By using this VA payment method, Customers can make payments through ATMs, SMS Banking, Internet Banking, also Mobile Banking. The payment that uses a VA number will proceed automatically and in real-time without even manually sending the proof of transaction, so the Customer would feel at ease doing business with you.
If you choose to use the Settlement Model Acquirer provided by NICEPAY in VA, you no longer need to open a Bank account in each Bank . Because NICEPAY already worked directly with 12 trusted Acquiring Banks in Indonesia to support transactions from more than 100 registered Banks in Indonesia.
:::hint{type="info"}
Please visit the [Settlement Process](docId:33usiNprk5SROj2thCtpA) section to find out more about the Settlement model and its processes at NICEPAY.
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# List of VA Acquiring Banks on NICEPAY
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The following is a list of Acquiring Banks and their Settlement models that already work with NICEPAY:
| **No** | **Bank Name** | **Settlement Model** |
| ------ | --------------------------------------------------- | ----------------------- |
| 1 | Bank Central Asia (BCA) | Aggregator, Facilitator |
| 2 | Bank Mandiri | Aggregator, Facilitator |
| 3 | Bank Rakyat Indonesia (BRI) | Aggregator, Facilitator |
| 4 | Bank Permata | Aggregator, Facilitator |
| 5 | Bank Permata Syariah | Aggregator, Facilitator |
| 6 | Bank KEB Hana | Aggregator, Facilitator |
| 7 | Bank Nasional Indonesia (BNI) | Aggregator, Facilitator |
| 8 | Bank Danamon | Aggregator, Facilitator |
| 9 | Bank Maybank | Aggregator, Facilitator |
| 10 | Bank Jakarta | Aggregator |
| 11 | Bank Jabar Banten (BJB) | Aggregator, Facilitator |
| 12 | Bank Neo Commerce (BNC) | Aggregator |
| 13 | Bank Commerce International Merchant Bankers (CIMB) | Aggregator, Facilitator |
| 14 | Bank Syariah Indonesia (BSI) | Aggregator |
:::hint{type="info"}
The Aggregator model at Bank BCA will manage by our Partner, ALTO.
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# Advantages of using VA with NICEPAY
***
- The Customers don't need to submit proof of transactions.
- Customers don't need to have the same account as yours.
- More quickly identify remittances from Customers.
- Easier payment receipt transaction reconciliation.
- The extent of the Virtual Account transaction network.
# Virtual Account Structure
***
The structure of the Virtual Account has different meanings and purposes depending on the type of Virtual Account and it's features. Following is the explanation related to VA structure from the image above.
| **Structure Part Name** | **Description** |
| ----------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------- |
| NICEPAY+Bank Prefix | Unique code owned by NICEPAY and Bank |
| Customer ID | A series of numbers with a maximum length of 8 digits
* If the VA type is Fixed, then the back from series of numbers obtained from the User ID |
:::hint{type="warning"}
Please note that each Bank has different rules for the length of the Virtual Account number.
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# NICEPAY Virtual Account
***
NICEPAY provides a VA number (prefix) for those who use an Aggregator model to facilitate your business operation process. The following is a list of VA numbers owned by NICEPAY.
| **No** | **Bank Name** | **NICEPAY VA Account Number** |
| ------ | --------------- | ---------------------------------------------- |
| 1 | BCA | 44777 \| 44778 \| 44779 \| 7007016 \| 7007216 |
| 2 | Mandiri | 70014 |
| 3 | BRI, BNI | 78789 \| 88788 |
| 4 | Danamon | 79150 \| 7917 \| 845062 \| 8051 \| 8052 |
| 5 | Permata | 86232 \| 86250 \| 86252 |
| 6 | Permata Syariah | 8624 |
| 7 | Hana Bank | 9772 |
| 8 | Maybank | 78120 \| 78277 \| 78278 |
| 9 | CIMB | 5919 |
| 10 | BJB | 1887 \| 1889 \| 1890 |
| 11 | Bank Jakarta | 995014 |
| 12 | BNC | 90120973 |
| 13 | BSI | 1749 \| 1750 \| 1751 |
::::hint{type="info"}
:::Iframe{code="ℹ️ If you get a VA number that claim to be owned by NICEPAY but isn't listed in the table above, please contact NICEPAY Customer Service to avoid fraudulent things." iframeHeight="0"}
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# See also
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Visit the [API Virtual Account SNAP](docId:_ejY3d54njez-a1p1EwOT) page to find out detail SNAP API that being used on Virtual Account payment.
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Visit the [API NICEPAY Inquiry Virtual Account SNAP](docId\:a1y5H8hPnLVQsHlXciluZ) page for more advanced custom API details.
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Visit the [Advance API](docId\:r4suvI5xhi2vvq0J2Y6So) page for more specific details of Advance API Version Non-SNAP.
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