API BRIVA by BRIAPI will keep you away from the complex transactions process.

Virtual Accounts are unique account numbers that serves to facilitate the transaction process between consumers and merchants. They are the answer for faster, easier and secure transactions. Beyond that, the Covid-19 pandemic has massively encouraged people to conduct transactions through non-cash payment instruments.

Research from Visa Consumer Payment Attitudes states that 66% of Indonesians say they no longer need to carry cash. They have got various benefits of using non-cash payment instruments such as Virtual Accounts. From automating  financial records, serving various types of transactions, allowing customers to transact 24 hours, and securing our bank accounts. 

Before you start using a Virtual Account, you need to understand the differences between a Virtual Account and a regular account. 

Virtual Account vs Regular Account

Virtual Accounts are different from regular/physical ones. Starting from the account form, operating methods, services, transaction flow, to transaction records. Here are four differences between a virtual account and a regular account:

1. Account Form

A regular account is an account that is used to carry out various types of transactions, from saving, withdrawing cash, to balances checking. Meanwhile, a Virtual Account is an account number that is virtually made to do transactions between customers and merchants.

2. Operating methods

With a regular account, you can conduct transactions by using several methods, such as depositing cash at a bank teller, ATM machines, or transferring via mobile banking applications. However, you still need to send proof of transfer manually.

Meanwhile, Virtual Accounts do not use the same method. Take an example from BRI Virtual Account (BRIVA). Simply enter BRIVA payment payment code in BRImo application, and it will be verified automatically. Consequently, you do not need to send any proof of transfer.

3. Services

Virtual Account payments allow you to make transactions on a self-service basis. It certainly makes transactions faster and easier than going to a bank and waiting to be served by the teller.

4. Transaction Flow

Manual transfers require payment confirmation by sending payment receipts. But, you can skip the process with a Virtual Account. Your payment is automatically detected since each user has its own Virtual Account.

Virtual Account Security System

Tokenization as BRI Virtual Account security system


Virtual Account serves as a substitute for your original account. Hence, it is your VA number that used to make transactions with merchants. On the other hand, your original account is not shown since it has been secured by tokenization technology.

Tokenization is the process of replacing sensitive data with unique identification symbols that retain all the essential information about the data without compromising its security. It aims to minimize the amount of data a business to keep on hand. Today, this technology is becoming more popular to bolster the security of digital transactions.

Tokenization generates random numbers at the time of purchases. This random number—which becomes your Virtual Account number—is only valid for a single transaction. Of course, this is much safer than transacting repeatedly with a regular account.

If any hacker manages to steal the real account, they can make any transaction they want. Meanwhile, if they steal a Virtual Account number, all they get is a bunch of numbers.

Thus, tokenization protects Virtual Accounts transactions, including BRIVA. As a payment option, BRIVA records transactions in real-time. So, transactions can be done easily, quickly, and safely.

In fact, as one of BRIAPI's open banking services, BRIVA has helped hundreds of BRI partners in providing a practical and convenient digital payment method through Virtual Account. From supermarkets, payment gateways, financial and educational institutions, to logistics industry have integrated BRIVA in their business. 

Use Case BRI Virtual Account

BRIVA has been proven to assist BRI partners in providing Virtual Account payment services for their customers. To know more on how BRIVA escalate the game for the industry, here are two BRIVA case studies from Fiberconnect and PT USSI. 


Fiberconnect logo

PT. Bina Informatika Solusindo or known as Fiberconnect is an Internet Service Provider (ISP) company that has been established since 2014. They cover areas with limited internet access, such as Madiun, Cirebon, and Bengkulu.

Along with customer growth, Fiberconnect realizes that their customers are loyal customers of BRI as well. However, before integrating with BRIVA, customers have to come to Fiberconnect office only to pay their internet bill.

In addition, they also have to check mutations and confirm payments manually, where each transaction takes up to 30 minutes. As a result, the office always had a line of waiting customers.

To solve this problem, Fiberconnect began to integrate with three BRIAPI products starting in February 2022: BRIVA, Account Statement, and Account Information. They play an important role in digitalizing Fiberconnect payment system.

"Since integrating with BRIAPI, 70% of our customers are now using BRIVA as their main payment method," said Alif Banura, General Manager of Fiberconnect.

The number is considered significant, notably for reducing the queue of customers in the office. Besides, BRIAPI helps Fiberconnect process transactions much more efficiently. Now, the entire process of confirmation, verification, and payment reconciliation only takes 1 minute.

Moving forward, Fiberconnect will continue to optimize the BRIVA, Account Statement, and Account Information so they can provide convenience for customers. Thus, we can be sure that BRIAPI has helped Fiberconnect to digitalize their payment, guiding them to expand the business.


PT USSI logo

PT USSI is a product development company that provides various IT services dedicated to the microfinance industry. Since 1994, PT USSI has been focusing on creating a core micro banking system to support financial institutions and micro banking. 

In the digital era, PT USSI faces various problems. One them is transaction process that has not yet digitalized. While in fact, digital payment channels are increasingly needed. With Covid-19 pandemic arrived, conventional transaction methods have had been limited as well.

To end the problem, PT USSI collaborated with BRIAPI in early 2021. Using BRIVA as the first integrated API, they successfully help microfinance institutions add digital payment channels through BRI Virtual Account.

“Customers no longer need to come directly to financial institutions to make transactions. They can do it from home via mobile banking or ATM,” said Zul Fahmi, Business Team of PT USSI.

He continued that Virtual Account provides various types of transactions, such as payments, deposits, to pay the bills. Moreover, BRIVA gives convenience in reconciling company’s transaction data. In the future, PT USSI will examine BRIVA potentials as well as other BRIAPI products, in line with company's vision as a leading financial solution for microfinance institutions.

Fiberconnect and PT USSI have proven that BRIVA really makes payment systems easier. You can also get the same benefits by integrating with BRIVA and get the benefits today.