Virtual Account

Virtual Account (VA) is a bank transfer–based payment method that enables DANA and Bank users to complete payments for specific bills, invoices, orders, or DANA balance top-up. This solution offers two key functionalities:

1. Virtual Account: Enables both DANA and Bank users to complete payments for specific bills, invoices, orders, or to top up their DANA balance by transferring funds to a designated Bank Virtual Account number.
2. Virtual Account with Create VA: Enables DANA and Bank users to make payments for specific bills, invoices, orders, or top up DANA balance by transferring funds to a dynamically generated Bank Virtual Account number.

Virtual Account

Allows users to make payments or top up their DANA balance by transferring funds to a designated Bank virtual account number.

Virtual Account with Create VA

Allows users to make payments or top up DANA balance using a virtual account number that is generated for each transaction, ensuring the payment is automatically linked and confirmed.

Available APIs for Virtual Account
Inquiry POST	Used to inquiry Virtual Account (VA) and information from Bank to DANA
Payment VA POST	Used to request payment status and information from Bank to DANA
Inquiry Status POST	Used to inquiry status and information from DANA to Bank

Process Flow

The general flow of Virtual Account is as follows:

1. User initiates top up to DANA balance.
2. DANA processes the request and initiates the creation of a Virtual Account (VA) number for this transaction.
3. DANA displays the generated VA number to the user.
4. User opens their Bank application and initiates a payment using the VA number provided by DANA.
5. Bank calls Inquiry API request to DANA to retrieve information about the VA and validate the transaction details.
6. DANA receives the inquiry request and checks the VA information to verify the transaction is valid.
7. DANA sets a timer for 5 minutes to ensure the transaction is completed within the expected time.
8. DANA returns the inquiry result to the Bank, including bill information and transaction details.
9. Bank displays the bill information to the user for confirmation.
10. User reviews the information and confirms the payment with VA.
11. Bank deducts the specified amount from the user's account balance.
12. Bank calls Payment VA API request to DANA to complete the transaction.
13. DANA processes the payment and credits the amount to the user's DANA balance.
14. After credit user’s DANA balance, DANA turns off the timer.
15. DANA returns a success response to the Bank indicating the payment was processed successfully.
16. Bank displays the payment success result to the user.
17. DANA sends a push notification to the user confirming the successful top up transaction.