Virtual Account Payments

Use this page to create payments via Virtual Account using the common Payment API endpoint. Authentication and base URL follow the Payment API docs.

• Base URL: https://api.paylander.com/api/v1/payment/
• Endpoint: POST /v1/payment/

Supported Currencies

• IDR

Integration Models

Virtual Account payments support two integration models:

• Redirect flow: The customer is redirected to our secure hosted page. Redirect the user using redirect_url.
• Server-to-Server: You will receive the information from payment_data for making the payment.

Flow

Common fields (see Payment API):

• channel (UUID, required)
• amount (object, required)
  • currency (ISO 4217, required)
  • value (string, required)
• external_id (string, optional)
• return_url (string, recommended)
• payment_method (object, required)

payment_method (type: virtual_account)

Required:

• type → "virtual_account"
• bank_code → Code identifying the bank where the virtual account (VA) should be created. Examples: bca, bni, bss, bri, permata, mandiri, cimb, danamon, maybank, bnc, ina. Please specify the exact list of available banks for your channel
• account_number → Account from which the payer intends to make the payment

Example Request

{
  "channel": "550e8400-e29b-41d4-a716-446655440000",
  "amount": { 
    "currency": "IDR", 
    "value": "100.00" 
  },
  "external_id": "ORDER-10002",
  "payment_method": {
    "type": "virtual_account",
    "bank_code": "supported_bank",
    "account_number": "012345678910"
  },
  "return_url": "https://your-company.com/return",
  "callback_url": "https://your-company.com/callback"
}

Example Response

{
  "status": "processing",
  "transaction_id": "269db9fa-440e-49a5-ab67-d30ecb75149e",
  "amount": {
    "currency": "IDR",
    "value": "100.00"
  },
  "redirect_url": "https://pay.paylander.com/269db9fa-440e-49a5-ab67-d30ecb75149e/",
  "channel": "550e8400-e29b-41d4-a716-446655440000",
  "payment_method": {
    "type": "virtual_account",
    "virtual_account": "128012345678901"
  },
  "create_date": "2025-10-15T23:54:13.008007+00:00"
}