Feature Definition

A service that offers a solution for reconciling bill payments from your customers, easily accessible through Corporate Internet Banking, allowing transactions to be performed anytime and anywhere without being limited by the bank's operational hours.


Advantages:

  • Real-time information and ease of reconciling virtual account payments. 
  • Freedom to choose virtual account numbers.  
  • Virtual account payments can be made through Bank Artha Graha or other banks.


Activation Process:                    

  • Must have Corporate Internet Banking.  
  • Visit the nearest Bank Artha Graha branch.


How to Make Virtual Account Payments:

1. Teller

  • Fill out the deposit slip.  
  • Enter details, including name and virtual account number.  
  • Specify the payment amount.  
  • Submit the deposit slip to the teller.

2. ATM

  • Insert ATM card and PIN.  
  • Select the Payment menu.  
  • Choose Other Bills.  
  • Enter the virtual account number.  
  • Enter the payment amount.  
  • Payment is completed, and a receipt with virtual account payment details is printed.

3. Internet Banking

  • Enter User ID and Password.  
  • Select the Payment menu.  
  • Choose Other Bills.  
  • Enter the virtual account number.  
  • Enter the payment amount.  
  • Input OTP and transaction PIN.  
  • Payment is completed, and a transaction receipt is generated.

4. Mobile Banking

  • Enter Password.  
  • Select the Payment menu.  
  • Choose Virtual Account.  
  • Enter the virtual account number.  
  • Enter the payment amount.  
  • Input Mobile PIN.  
  • Payment is completed, and a transaction receipt is generated.

5. Laku Pandai

  • Visit a Laku Pandai agent.  
  • Enter Agent User ID and Password.  
  • Select the Payment menu. 
  • Choose Other Bills.  
  • Enter the virtual account number.  
  • Enter the payment amount.  
  • Customer receives SMS OTP.  
  • Payment is completed, and a transaction receipt is generated.

6. Other Bank Transfers

  • Use other bank channels (ATM, Internet Banking, Mobile Banking).  
  • Select interbank transfer menu.  
  • Enter Bank Artha Graha’s code (037) and 16-digit virtual account number.  
  • Enter the virtual account number.  
  • Enter the payment amount.  
  • Payment is completed.