Winpay — Virtual Account

Winpay's Virtual Account (VA) allows your customers to pay for their orders via a bank transfer that is automatically detected by the system. The generated VA number is a Closed Payment (the amount must be exact, and it can only be paid once).

Supported Banks

• BCA
• BRI
• BNI
• MANDIRI
• BSI
• CIMB
• PERMATA
• MUAMALAT
• SINARMAS
• BNC
• MAYBANK

Note: Ensure you have enabled the above banks via the dashboard (Routing Rules menu) before using them.

How to Create

To create a Virtual Account, set method_type to virtual_account and provide method_detail containing the bank field.

POST /v1/payments/create

{
  "amount": 10000000,
  "currency": "IDR",
  "method_type": "virtual_account",
  "method_detail": {
    "type": "virtual_account",
    "bank": "BCA"
  },
  "customer_name": "Budi Santoso",
  "customer_phone": "081234567890",
  "expiry_minutes": 60
}

Important Request Notes

• Amount: Use the smallest unit format (cents). Rp 100,000 is written as 10000000.
• Phone Number (customer_phone): Highly recommended to be filled. If left empty, the system will use a dummy number (089999999999) as a fallback for Winpay.
• Expiry: You can control the payment expiration time via expiry_minutes (e.g., 60 for 1 hour).

Response

If successful, you will receive a Payment object with method_data containing the Virtual Account instructions.

{
  "success": true,
  "data": {
    "id": "...",
    "status": "pending",
    "amount": 10000000,
    "expires_at": "2026-07-21T13:00:00Z",
    "method_data": {
      "type": "virtual_account",
      "bank": "BCA",
      "va_number": "88880123456789"
    }
    // ... other fields
  }
}

Important Data to Display to the Customer

• method_data.va_number: The Virtual Account number the customer must transfer to.
• method_data.bank: The destination bank name.
• amount: Display in the local currency format (remember to divide by 100 back to full Rupiah).
• expires_at: Display a countdown for the payment deadline.

End-to-End Payment Flow

1. Client Application: Sends POST /v1/payments/create to Gerbang Pay.
2. Gerbang Pay: Returns the va_number.
3. Client Application: Displays the VA number, amount, and deadline on the customer's screen/UI.
4. Customer: Opens M-Banking/ATM and transfers funds to that VA number.
5. Winpay: Detects the incoming funds and sends a callback to Gerbang Pay.
6. Gerbang Pay: Changes the transaction status to paid and sends a Webhook to your server.
7. Your Server: Receives the webhook, updates the order status in the database, and then (optionally) sends a success push notification/email to the customer.