BNI Direct VA Payment
Debit VA that is more practical on mobile, with limit control, statement monitoring, and more measurable security
What changes once BNI Direct VA Payment is running.
- 01
More practical VA management, because VA information is available at any time.
- 02
Statements easier to follow by period, for transaction control.
- 03
Safer, because a VA can be deactivated when it is not in use.
- 04
Flexible VA types and limit rules for a range of operational needs.
Managing Debit Virtual Accounts (VA) was simplified through a mobile app to make it more practical, safer, and easier to control. Users can view VA information, follow statements, and deactivate a VA when needed to reduce the risk of misuse. With more flexible control, the VA is better suited to day-to-day transactions and business operations.
The channels and features used in the field.
VA Info
Shows key VA information such as VA number, VA type, remaining balance, and validity period
VA Statement
View the transaction history (statement) on a VA for a given period.
Deactivate VA
Deactivate a Virtual Account to maintain security and control over its use.
Multiple VA / Billing Types Supported
- Open Debit
- No limit; withdrawals can be made until the linked main account balance is exhausted
- Open Limit
- Has a maximum limit set at the outset; no periodic (annual/monthly/weekly) limit.
- Debit Partial
- Supports more structured limits, including a maximum limit and withdrawal caps by period / daily limit.
- Wallet
- One VA number with two functions (debit and credit). The VA can be given a limit or topped up first to enable withdrawals, with the maximum following the available credit balance.
What was built, year by year.
The development record for BNI Direct VA Payment across 2017–2026 — set down as recorded in the project documents, without impact figures that clients have not yet validated.
- Dashboard, Service API, Report & Logs
- DeVA Mobile
- Improved bookkeeping & reconciliation (daily recon)
- DeVA v2, microservices migration, special callback, recon optimisation
- CXO, policy/password, payment history, CI/CD
- DeVA rework, UAM & branding adjustments, pentest fixes, OCP, security hardening
- Prefix update, 2FA/MFA + YubiKey enforcement, registration control & account notifications
- VA QRIS, cash withdrawal via Mitra/Wallet
In short.
BNI Direct VA Payment makes Debit Virtual Account management safer and easier to follow through limit control, transaction monitoring, and VA status settings. Mobile app support and the range of VA types make operations more practical while staying under control for company needs.
To discuss the design of a modern, scale-ready VA management service, please continue the discussion with the SPE Solution team.