Facilities that allow merchants to process payment transactions via Debit or Credit card on the Merchant’s online website and/or application.
Benefits
24/7
Merchants can receive payments whenever and wherever.
Transaction notifications in real time
Merchant are able to view transactions in real time via dashboard and giving costumers a real time transaction status
Installment Feature
Give your customer access to 0% installment for up to 36 months for BCA credit card users
Various payment types
BCA Card, Visa, Mastercard, JCB, and Amex logos are all accepted card payments.
Transaction Reports
Merchants are provided with transaction reports daily.
Important Information
Main features
Merchants are able to accept credit or debit card transactions from all banks (domestic and international) that use BCA card, Visa Mastercard, JCB, and Amex logos.
0% installment facilities for up to 36 months for BCA credit card users.
Perform Void and Refund actions directly from the dashboard provided by BCA
Monitor transaction history in real time via the dashboard provided by BCA
A reward redemption feature where BCA card holders can use the rewards on their BCA credit card when making transactions at BCA PG.
A Dynamic Currency Converter (DCC) feature that allows merchants to process card transactions issued by parties abroad, that are eligible as a funding source in which the cardholder can select their country’s currency allowing said cardholder to be able to know the amount that will be charged by the issuing bank.
A payment link feature that allows customers to conduct E-commerce transactions through a unique link provided by BCA PG (without having to go through the merchant’s site)
Terms and Conditions
The merchant has met the following criteria for BCA merchants
The business practice or non-profit institution/entity does not violate any legal provisions.
Not a blacklisted merchant.
Takes the form of a business entity
The business entity must have a business permit from a regulator.
The business is not included in the following prohibited types of businesses:
Cross Border merchant (Except airlines) *.
Trading goods/services that violate intellectual property rights.
Pornography, violence, illegal drug trafficking, gambling, and actions that violate legal norms and overall decency.
Business entities that are illegal or prohibited by regulators
Owns an IDR Giro account as a BCA E-commerce Acquiring Merchant settlement account.
Note:
Airline Merchants will receive special assessments and approval from BCA.
Fees and Limit
Merchants will be charged a MDR Fee (%) per transaction.
Merchants are not charged monthly or integration fees.
Transaction Value
Merchant Discount Rate (MDR)*
MDR Value
Value that merchant received **
Rp1.000.000
3%
Rp30.0000
Rp970.000
Notes: *) Merchant Discount Rare can be adjusted based on negotiation and BCA Business team agreement **) Value that received by merchant during transaction is the value of transaction subtracted by Merchant Discount Rate that has be agreed on Memorandum of Understanding
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