Important Terminologies

There are a few terminologies within Virtual Accounts that you should familiarize yourself with below

Virtual Account Types

There are 2 types of Virtual Account that is provided through Ayoconnect's Virtual Account solution:

1. Multi-Payment Virtual Account
   1. A Multi-Payment Virtual Account is a good fit if you wish for the virtual account number to remain open for payment (up to the expiry time) even if a payment has been made using that virtual account number. This enables you to provide a single VA number to a customer and allows them to pay multiple times through that given virtual account number.
      In our API doc, this is referred as a static type Virtual Account.
2. Single-Payment Virtual Account
   1. A Single-payment Virtual Account, on the contrary, is a good fit if you wish for that virtual account number to be closed for further payments upon a successful payment using that virtual account number. This way, a customer is unable to pay multiple times through that given virtual account number, which prevents unintentional double payments. Once the Virtual Account bill is paid, the VA number immediately becomes 'inactive'.
      In our API doc, this is referred as a dynamic type Virtual Account.

Virtual Account Amount Types

Virtual accounts provided through Ayoconnect's Virtual Account solution support 2 amount types, depending on your use case:

1. Fixed Amount
   1. A fixed amount Virtual Account means that the customer has to pay a fixed amount defined by you through the virtual account number
2. Open Amount
   1. An open amount Virtual Account means that a customer can pay any amount > Rp. 0 through that virtual account number

Virtual Account Status

There are several states that you should familiarize yourself with when using Ayoconnect's Virtual Account solution

1. UNUSED: The Virtual Account has been created
   1. Notes: This state is not used for BNI. See State Diagram below
2. INQUIRED: The Virtual Account has just been inquired by the bank as a customer is intending to pay
3. PAID: The Virtual Account has successfully received a payment
   1. Notes: This state is only applicable for Multiple-Payment Virtual Accounts. Upon receiving a payment, a Multiple-Payment Virtual Account will be transitioned to "PAID" state.
4. INACTIVE: The Virtual Account has successfully received a payment (only in case of Single-Payment Virtual Account)
   1. Notes: This state is only applicable for Single-Payment Virtual Accounts. Upon receiving a payment, a Single-Payment Virtual Account will be transitioned to "INACTIVE" state.
5. EXPIRED: The Virtual Account has expired

Virtual Account State Diagram: