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EDC BCA

Run Business Seamlessly with EDC BCA machine

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Why EDC BCA?

Many Ways to Pay

Accept payment transactions from BCA Card, Visa, Mastercard, JCB, UnionPay, Amex, Debit BCA, Debit GPN, Flazz, and QRIS

Free Rental Fee

No need to pay EDC rental fees for new merchants

No Deposit

Applications can be processed without minimum deposits

EDC BCA

About Fees and Limits Important Information Get the service

EDC BCA

BCA's electronic banking devices that accept various payment methods.

Key Features

  • Accepts payment transactions using debit and credit cards, including those issued by BCA and other banks in partnership with BCA, such as Visa, Mastercard, JCB, UnionPay, Amex, and Debit GPN, for both contact and contactless transactions.
  • Generates Dynamic QRIS, a payment QR code generated via the EDC machine's QR menu and includes the transaction amount.
  • Flexibility to withdraw payment transaction funds to the merchant account through the Settlement or Multi Settlement feature (for certain types of transactions and criteria based on BCA's analysis).
  • Get an account to access the Merchant BCA application. The Merchant BCA app offers features such as new merchant registration, EDC & QRIS application, transaction report viewing, and access to Merchant Care.
  • Offers credit card installment payment services to boost merchants' sales opportunities.
  • Accepts payments using Reward BCA through the Redeem Reward feature.
  • Void or refund customer transactions through the Void and Refund features.
  • Special features for BCA merchants according to BCA's analysis based on the type of Line of Business, such as:
    • Card verification (cardver) and offline transactions for hotel business.
    • DCC transactions and others.

Benefits

  • Merchants can minimize the risk of receiving counterfeit money as transactions are cashless.
  • A payment option that allows merchants to accept payments from various issuers.
  • Through the BCA Merchant application, merchants can do the following:
    • Real-time checking of EDC transaction data.
    • Receive notifications related to information and promotions about BCA through the Inbox feature.
    • EDC submission through the Merchant Care menu.
    • Submit additional stores/outlets.
    • Submit requests to add EDC machines.
    • Submission of additional EDC machine facilities.
    • Request to change merchant data.
    • Merchant closure application.

Risks

  • Misuse of PIN/Password/OTP and User ID due to negligence by the merchant.
  • There may be delays in crediting transaction proceeds if the merchant does not settle EDC transactions in a timely manner.
  • There are circumstances in which BCA may directly debit the merchant's account if the merchant does not respond to and provide an answer to a payment transaction correction request submitted by the source of funds owner within the timeframe stipulated by applicable regulations.

Requirements and Procedures

Prepare the required documents, including:

  • BCA Merchant Application Form
  • e-KTP (for Indonesian citizens)
  • Passport and KITAS/KITAP (for foreigners)
  • NPWP (if you already have one)
  • Business Identification Number (NIB) or Company Registration Certificate (TDP) (for BCA Merchant applicants who already have a TDP but do not have an NIB)
  • Business License issued by an authorized agency
  • Professional License from the authorized Department/Association *)
  • Statement Letter and Authorization Letter for BCA Merchant Settlement Account (if the settlement account is not in the name of the BCA merchant)
  • Supporting documents according to the selected transaction method

Description:
* )Specifically for individual BCA Merchant applicants in professions such as doctors, accountants, etc.

  • BCA Merchant Application Form
  • The identity of the largest shareholder (if any), in accordance with the following conditions:
    • e-KTP (for Indonesian citizens)
    • Passport and KITAS/KITAP (for foreigners)
    • NPWP for Entities
      For foreign individuals who do not reside in Indonesia, a reference letter from a government agency can be used as a substitute for KITAS/KITAP/e-KTP
  • Supporting documents according to the selected transaction method
  • Statement Letter and Authorization Letter for BCA Merchant Settlement Account (if the settlement account is not in the name of the BCA merchant)
  • Other documents required to open a current or savings account, used as settlement accounts for corporate customers

Prepare additional documents for the submitted product, including:

  • Photos of the business location
  • Statement Letter and Authorization Letter for BCA Merchant Settlement Account (if the settlement account is not in the name of the BCA merchant)
  • Statement Letter/Cooperation Agreement (PKS)/form/similar document if the submission requires additional facilities such as ECR/Customized Merchant Report (CMR)/0% Installment facility
  • Statement Letter and Authorization Letter for BCA Merchant Settlement Account (if the settlement account is not in the name of the BCA merchant)
  • Other supporting documents for each transaction facility in accordance with applicable provisions

Fees and Limits

Fees

Card Transactions (Debit/Credit/Flazz)

Transactions

Card Types

Merchant Type

MDR Standard

On Us a)

Off Us b)

Debit Card

Debit BCA

Non-Special MCC

0,15%

-

Debit Maestro

-

2%

Debit Cards from Other Banks

-

1%

Debit BCA,
Debit Maestro,
Debit Cards from Other Banks

Education

0,15%

0,75%

Gas Station (SPBU)

0,15%

0,50%

Social Assistance, Taxes, Donations

0%

0%

Credit Cards

BCA Card

Non MCC Specific

1.5% c)

Visa, Mastercard

2% (d)

Japan Credit Bureau (JCB), UnionPay (UP)

2%

American Express (Amex)

Retail, F&B, etc

2,5%

Merchant MNA

According to the terms of the Amex MNA

Indonesian Credit Card (KKI) using a physical card

Special non MCC

-

1,1%

Flazz

Regular Transactions

0,5%

G2P/P2G transactions (e.g. social assistance, tax payments, passports, and donations (non-profits))

0%

Debit Cards & Credit Cards last modified: 01-10-2026

Flazz Card last modified: 01-03-2021

Description:

a) On us = if the customer makes the transaction using BCA's payment source.
b) Off us = if the customer makes the transaction using a non-BCA payment source.
c) The standard MDR fee for Prioritas and Solitaire is 0.9%.
d) The standard MDR fee for Prioritas and Solitaire is 1.9%.

  • The MDR value may change from time to time. Any changes will be notified by BCA to the merchant in any form and through any channel in accordance with the applicable regulations.
  • The MDR value that applies to merchant applicants is the one listed in the Merchant Data Form (FDM).

Limit

The limit for contactless debit transactions without a PIN on the BCA Debit/ATM Card is IDR1,000,000 per day per card. If this limit is exceeded, only contactless debit transactions with a PIN or debit transactions by dipping the card at the transaction terminal can be performed.

Simulation

Example of transactions at Special Non-MCC merchants using BCA Card

Total EDC transactions made in settlement = IDR150,000, then the nominal amount that will be credited to the merchant's settlement account is:

  • Nominal = Transaction Nominal - (Transaction Nominal x MDR BCA Card Special Non-MCC)
  • Nominal = 150,000 - (150,000 x 1.5%)
  • Nominal = IDR147,750

Important Information

Additional Information

  • Merchants are prohibited from charging surcharges to the Cardholders and/or owners of Electronic Money and/or other sources of funds for the transaction fees BCA charges the merchant.
  • EDC BCA can be connected via Wi-Fi.
  • For information on closing or discontinuing the service, merchants can request the closure of EDC/QRIS products through branches, by contacting Merchant Solution, or through the Merchant BCA application.
  • BCA will inform you of any changes to the benefits, costs, risks, terms and conditions of this Product and/or Service through any means in accordance with the applicable legal provisions.

Summary of Product & Service Information (RIPLAY)

BCA EDC and Static QRIS Information Summary
Get the Product/Service Summary information via the link below
Download PDF

Terms and Conditions

BCA EDC and Static QRIS Product Information Summary
Review the Terms and Conditions of this product or service via the link below.
Download PDF

EDC BCA Operating Guide

Download Merchant BCA
For Android and iOS users without EDC BCA/QRIS, download the BCA Merchant app now!
Click Here

Easy to operate, smooth profit

Tutorial how to operate EDC BCA

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Tutorial how to use EDC BCA card chip

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Tutorial how to make settlement with EDC BCA

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Tutorial how to VOID transaction with EDC BCA

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Easy step to do contactless transaction with EDC BCA

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Introducing BCA’s latest EDC, APOS BCA

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How to Make Contactless Transactions on APOS BCA

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Tips for Safe Transactions with APOS BCA EDC

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How to Activate the Wifi APOS Feature

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Apply for EDC/QRIS via Merchant BCA Application

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Scan QR for practical payment solution

QRIS

Easy way a create payment link

Payment Link
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