BCA
BCA, established in 1957, is Indonesia's largest private bank, boasting assets exceeding IDR 1 trillion as of 2022. In 2014, BCA developed MyBCA, a digital self-service banking outlet, expanded cash recycling machine-based ATM network, and launched Sakuku, a mobile e-wallet app. In 2018, BCA launched a peer-to-peer transfer feature using QR code technology applicable to m-BCA and Sakuku.
Properties
The properties of the BCA payment method are shown in the following table:
Payment method category | Online banking | ||
Acquirer | AlipaySG (B15) | Acquiring region | SG, AU, HK |
Payment flow | Redirect | Cashier Payment | ✔️ |
Buyer country/region | Indonesia | Auto Debit | ❌ |
Fund deducted | Real-time | Refund | ❌ |
Processing currency | IDR | Partial refund | ❌ |
Minimum payment amount | IDR 10,000 | Chargeback/Dispute | ❌ |
Maximum payment amount | Unlimited (depends on account balance) | Refund period | 365 days |
User flow
The following figure shows the journey of paying with BCA:
Figure 1. Payment process with BCA