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Internet Banking

The Internet Banking payment channel enables customers to make secure online transactions directly through their bank’s online portal or mobile banking application. This method leverages the existing infrastructure of major Indonesian banks—such as BCA, Mandiri, BNI, and BRI—to facilitate instant, reliable, and cost-effective payments for both online and offline transactions.

Key Features & Benefits

  • Widespread Adoption: A significant portion of Indonesian consumers are familiar with internet banking, making this channel a trusted and widely-used payment method.

  • High Security: Utilizes robust encryption protocols and secure authentication processes (e.g., OTP, two-factor authentication) to safeguard sensitive financial information.

  • Real-Time Payment Processing: Transactions are verified and confirmed in real time, ensuring immediate order updates and reducing processing delays.

  • Cost-Effectiveness: Low transaction fees benefit both merchants and customers, making it an attractive option for various types of purchases.

  • Seamless Integration: Designed to integrate effortlessly with existing payment gateways, providing a smooth checkout experience without redirecting customers away from the merchant’s site.

  • Localized Support: Fully compliant with Indonesian banking regulations and consumer protection laws, ensuring a reliable and trustworthy payment experience.

Customer Guide: How to Use Internet Banking for Payment

  1. Select Internet Banking Option: At checkout, choose “Internet Banking” as your payment method.

  2. Choose Your Bank: Select your bank from the list of supported Indonesian banks (e.g., BCA, Mandiri, BNI, BRI).

  3. Redirect to Bank Portal: You will be redirected securely to your bank’s internet banking portal.

  4. Log In & Authenticate: Enter your credentials and complete any required authentication steps, such as One-Time Password (OTP) verification.

  5. Review Payment Details: Confirm the transaction amount and other details provided on the payment page.

  6. Authorize Payment: Approve the transaction using your bank’s secure authorization process.

  7. Receive Confirmation: Once the payment is successfully processed, you’ll be redirected back to the merchant’s site with a confirmation, and you’ll also receive an SMS or email notification from your bank.

Last updated 2 months ago