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BCA e-Commerce Acquiring

Practical and Reliable Payment Solutions for Your Online Business

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Why choose the BCA E-Commerce Payment Gateway?

Online & Real-Time

Transactions can be made whenever and wherever. Transaction statuses can be viewed in real time.

Various sources of payment

Accepts myriad choices of payments sources such as BCA Card, Visa, Mastercard, JCB and Amex

Safety

All transactions are protected using 3D secure and OTP

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e-Commerce Acquiring BCA

e-Commerce Acquiring BCA is a payment gateway service for processing goods and services transactions conducted by merchant customers through the network provided by BCA.

Key Features

  • There are two types of payment gateways that merchants can choose from: BCA e-Commerce Payment Gateway (BCA PG) and Mastercard Payment Gateway Services (MPGS).
  • Merchants can accept customer transactions using cards with the BCA Card*, Visa, Mastercard, JCB, Amex, and UnionPay* logos from all domestic and international banks.
  • Merchant customers using BCA Credit Cards can enjoy 0% installment facilities for up to 36 months and the Reward BCA* redemption.
  • There is a dashboard for merchants to view transaction history in real time and directly void and issue refunds.
  • Equipped with Dynamic Currency Converter (DCC)*, which allows merchant customers to select the currency exchange rate of their country of origin at the time of the transaction, so that merchant customers know the amount to be charged by the card issuing bank.
  • Equipped with the Payment Link* feature that makes it easier for merchant customers to complete e-Commerce transactions using a special link provided by BCA PG (without visiting the merchant's website).
  • It offers several payment model options, including:

Payment Link

3 Party

2.5 Party

2 Party

Payment On

BCA PG Page

Merchant Page

Connection

No Integrations

BCA PG Page Redirect

API

Authentication

Done by BCA PG

Done by

merchant

PCIDSS Certification

BCA

Merchant

KKI Payment

No

Yes

No

BCA Card Payment

Yes

No

Remarks:

*)Only valid for BCA PG type

Benefits

  • Merchants receive an all-in-one solution for accepting e-Commerce payments with cards online.
  • Merchants can accept payments anytime, anywhere.
  • Merchants get transaction reports every day.

Risks

  • A transaction failure may occur due to connection problems between BCA e‑Commerce Acquiring and the card scheme/principal or the card‑issuing bank, system issues, or rejection by the issuing bank due to verification or validation failure.
  • The risk of transactions that are not authenticated using 3D Secure, in which case the merchant is required to pay penalties if the merchant's customer raises a disputed transaction.

Requirements and Procedures

  • Meet the general criteria of BCA merchants, including:
    • Carrying out business activities or a non-profit entity/institution that does not violate the provisions of the law.
    • Not included in the merchant blacklist.
  • In the form of a non-individual business entity and already holding a business license from the applicable regulator.
  • It is not included in the category of prohibited types of businesses, including:
    • Cross-border merchant, except for airline*.
    • Trade goods or services that violate intellectual property rights.
    • Pornography, violence, drug trafficking, gambling, and activities that breach legal norms and decency.
    • Types and/or business entities that are illegal and/or prohibited by regulators.
  • Have a Rupiah Current Account as a Merchant e-Commerce Acquiring BCA settlement account
  • The merchant submits the required documents.

Remarks:

*) For airline merchants, a special assessment and approval will be carried out by BCA.

Fees

Fees

  • Merchant Discount Rate (MDR)

Card Types

Merchant Type

Standard MDR

BCA Card

All

1,5%

Visa

3%

Mastercard

JCB

UnionPay

American Express (Amex)

Special non-MCC

3,25%

Custom MCC

Merchant MNA

According to MNA Amex terms

Remarks:

  • The MDR for merchants is the one that both parties have agreed upon. 
  • MDR might vary based on transaction frequency and BCA business calculations.

Simulation

Transaction Amount

MDR

MDR Amount

The amount received by the Merchant

IDR1,000,000

3%

IDR30,000

IDR970.000

Remarks:

  • This simulation is only a tool or example of calculation and does not serve as a reference for the MDR amount charged.
  • The amount received by the merchant is the transaction's amount minus the agreed MDR.

Important Information

Other Information

  • Authentication using 3D Secure is mandatory. If the merchant chooses or requests not to perform the authentication process, then the risk of the transaction will be borne by the merchant.
  • BCA shall inform all changes to the benefits, fees, risks, terms and conditions of this Product and/or Service through any means in accordance with applicable legal provisions. 

Ringkasan Informasi Produk & Layanan (RIPLAY)

Summary of Product & Service Information (RIPLAY) e-Commerce Acquiring BCA Information Summary
Get this Product/Service Information Summary via the link below
Download PDF

The information provided in this product/service is part of the General Product and/or Service Information Summary (RIPLAY).

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