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BCA OneKlik

Online Transactions #DibikinSimpel with OneKlik

Register OneKlik on BCA mobile

Why OneKlik?

Instant

Easier and faster online shopping payment with just one click

Controlled

The daily spending limit will help control spending

Limitless Transaction

Transaction anywhere anytime online

OneKlik

About Product and Service Information Summary Important Information Get the Service

BCA OneKlik

Make payments for various transactions with just one click. Simply add your BCA Passport as a funding source and activate OneKlik on the merchant's website or app. With OneKlik, you can make instant purchases.

Benefits

Easy Payments
Simple and hassle-free payment process
Secure Transactions
Your balance security is our top concern
Many Merchants
We partner with numerous merchants
Online Shopping
Shop online with a variety of merchants

Product and Service Information Summary for OneKlik

Main Features

  • OneKlik is an online payment facility that allows the Consumer to directly pay for the products/services they purchase through the website/application of a Merchant that cooperates with BCA.
  • By registering for OneKlik on the Consumer’s account/User ID, the Consumer can make multiple payments by just clicking the payment button once (1x) on the Merchant's website/application.
  • Available in 1 currency, namely, Rupiah (IDR).
  • OneKlik conforms with the National Open API Payment Standard (SNAP) established by Bank Indonesia.
  • The following types of BCA accounts can serve as OneKlik source accounts: Tahapan, Tahapan Gold, Tahapan Xpresi, Tapres, Rupiah Current Account for Individual Customers, and other sources of funds according to the provisions hereafter existing at BCA.
  • OneKlik registration can be done on the Merchant's website and/or application, followed by a registration activation process on a BCA’s channel (such as BCA mobile).
  • The Customer can use the ‘Atur OneKlikfeature on the BCA channel to block, unblock, or delete the account, and set a daily limit.
  • The daily limit for OneKlik is Rp3,000,000/card/day, which is the maximum combined limit applicable to all OneKlik Merchants.
  • The minimum Transaction Amount per Source Account is Rp1 (one rupiah), while the maximum Transaction amount is the daily limit for OneKlik.
  • BCA may request additional authorization in the form of an OTP code if the transaction requires additional authorization to meet OneKlik security policy.

Benefits

  • The Customer can make online payments at various Merchants with a seamless and hassle-free experience, anywhere and anytime with just one click.
  • Flexibility in setting the daily limit for OneKlik to control the Customer’s spending.
  • Flexibility in managing the account. The Customer can block, unblock, and delete the account according to the Customer's needs when using the OneKlik account.
  • Robust security measures to protect the balance information of the registered source account.

Risks

  • Misuse of information regarding the source account, mobile phone number, OTP code, or Consumer’s Account/User ID as a consequence of disclosure of such information, whether intentional or unintentional, by the Customer to other parties through social engineering, phishing, loss of device/ ATM card, etc.

Requirements and Procedure

  • The Customer must provide information on the source of funds in the form of a valid, active, and unblocked ATM card number.
  • The Customer must have a valid, active, and unblocked m-BCA mobile number that has been activated for financial transactions to be able to register for OneKlik.
  • To be able to use OneKlik, the Customer must follow these steps:
    1. Enter the ATM card number and the daily limit (if any);
    2. Select or enter the mobile phone number to which push notifications will be sent;
    3. Click on the push notification received to continue with the registration process on BCA mobile (m-BCA);
    4. Accept the Terms and Conditions for OneKlik and authorize the Merchant to provide BCA with instructions to debit the source account for the purpose of transaction settlement.
  • 1 (one) source account can only be connected to 1 (one) Consumer’s account/User ID of a Merchant.
  • 1 (one) Consumer’s account/User ID of a Merchant can only be connected to 2 (two) source accounts.
  • Once the OneKlik registration process has been successfully completed, the Customer can immediately make transactions using the Consumer's account/User ID on the Merchant’s website and/or application.
  • Before making a transaction, the Customer must pay regard to the adequacy of the daily limit and the balance in the source account.
  • To change the daily limit, the Customer must follow these steps:
    1. Select the source account connected to OneKlik whose daily limit will be changed on the ‘Atur OneKlik’ sub-menu on m-BCA;
    2. Enter the new daily limit;
    3. Enter the m-BCA PIN.
  • The Customer can lodge complaints about OneKlik with BCA no later than 3 (three) Months from the transaction date.
  • The Customer can ask questions and lodge complaints via the following:

    Contact Us:
    Halo BCA 1500888
    Email: halobca@bca.co.id
    WA: +628111500998
    www.bca.co.id

    Social Media:
     
    Facebook	: GoodLife BCA
    Instagram	: @goodlifebca
    Youtube	        : Solusi BCA
    Twitter	        : @BankBCA

Fees

  • BCA never directly charges the Customer any transaction fees.
  • The Merchant may charge the Customer an administration fee or a similar fee separately according to the Merchant’s policy.
  • The Customer will bear the SMS costs related to the transmission of the OTP authorization code, the amount of which is determined by each cellular operator according to their respective policy.

Simulation

  • There is no simulation for OneKlik.

Additional Information

  • For security purposes in the transaction processing, BCA and/or the Merchant may at any time request the Customer’s authorization in the form of an OTP code or any other form in accordance with the provisions applicable at BCA.
  • The Customer may request the closure/deletion of the OneKlik account via BCA mobile (through the ‘Atur OneKlik’ feature), HaloBCA, the Merchant’s application/website, and other means as may be determined according to the provisions hereafter applicable at BCA.
  • The Bank has the right to change the benefits, fees and charges, risks, including the terms and conditions for this product and/or service, and such change will be notified by BCA in any form and through any means in accordance with the applicable law.
  • All other information regarding OneKlik can be accessed on BCA’s official website at www.bca.co.id.

Disclaimer (Important)

  • The Customer shall be fully liable for the use of the information about the source account type, mobile phone number, OTP code, and Consumer’s account/User ID, including any misuse thereof.
  • The Bank has the right to block, close the OneKlik account, and/or cancel the OneKlik transaction payment process if it does not comply with the applicable provisions.
  • The Customer has read and understood the OneKlik service as described in this Product and Service Information Summary.
  • This summary simply constitutes a means of providing product and service information for the prospective/existing customer and is not intended as an official offer for a product and/or service.
  • The Customer must read, understand, and agree to the Terms and Conditions for OneKlik and the mechanism for granting authorization to the Merchant.
  • The information contained in this Product and Service Information Summary shall be effective as of the printing date of this Product and Service Information Summary until the issuance of its latest update.
  • The Customer must carefully read this Product and Service Information Summary before deciding to register for the OneKlik account and may contact the Bank’s employee or call Halo BCA at 1500888 to inquire about all matters or file complaints related to this Product and Service Information Summary

This summary has been adjusted to align with the laws and regulations in force including regulations of the Financial Services Authority.

Important Information

1 (one) funding source can only be linked to 1 (one) account/merchant, and 1 (one) merchant account can only be linked to 2 (two) funding sources.

List of Merchants:

  • Blibli.com
  • Tiket.com
  • GoPay
  • Shopee
  • DANA
  • OVO
  • Tokopedia
  • Traveloka
  • Jakmall
  • QRindo
  • Bayarind
  • Payfazz
  • Tiketux
  • jamtangan.com
  • PLN Mobile
  • DIYO
  • TanamDuit
  • Unipin
  • JPCC
  • Akulaku
  • Ezeelink
  • Elevenia
  • FINPAY WALLET

Terms and Conditions

  1. BCA is PT Bank Central Asia Tbk.
  2. OneKlik is a payment facility provided by BCA to facilitate direct payment of transactions on the Merchant’s website and/or application by using Customer Account/User ID provided by the Merchant.
  3. Type of Fund Source is the type of payment instrument which is connected to the source of fund for payment of Transaction that shall be registered by OneKlik User on the Merchant’s website and/or application or any other means determined by BCA from time to time that will be notified by BCA in any form and through any means in accordance with the provisions of applicable law.
  4. Default Account is the main source of fund account in the Type of Fund Source used by OneKlik User to conduct Transaction.
  5. Customer Account/User ID is the account registered with the Merchant, which can be in the form of, among others, e-mail, cellular phone number, or user name of OneKlik User.
  6. OneKlik User is an individual who has registered the Type of Fund Source on the Customer Account/User ID through the Merchant’s website and/or application or any other means as determined by BCA in the future that will be notified by BCA in any form and through any means in accordance with the applicable law.
  7. Mobile Number is OneKlik User’s cellular phone number registered in the m-BCA phone number database which on such m-BCA the financial transaction has been activated.
  8. OTP (One Time Password) is a unique and confidential passcode generated by BCA system and sent via Short Message Service (SMS) to the Mobile Number selected by OneKlik User.
  9. Merchant is an individual or entity that sell goods and/or services owned by Merchant and/or owned by other parties that cooperate Merchant through the Merchant’s website and/or application and accepting Transactions made by OneKlik User.
  10. Transaction is a direct payment transaction using OneKlik in Rupiah currency for the purchase of goods and/or services made by OneKlik User through the Merchant’s website and/or application that cooperates with BCA.
  11. Merchant Limit is the maximum daily Transaction amount at the Merchant as determined by BCA for each Customer Account/User ID which are connected to the Type of Fund Source that can be registered through the Merchant’s website and/or application or any other means determined by BCA in the future which will be notified by BCA in any form and through any means in accordance with the applicable law.
  12. Daily Limit is the maximum daily Transaction amount at the Merchant as determined by OneKlik User for each payment instrument which are connected to the Type of Fund Source and applies to all Customer Account/User ID registered at all Merchants.
  1. In order to register OneKlik, any prospective OneKlik User shall have a Mobile Number. Prospective OneKlik User is required to register and use his/her own cellular phone number. Any consequences arising from registering any other party’s cellular phone number shall be the sole responsibility of OneKlik User and OneKlik User hereby holds BCA harmless from any of claim, lawsuit, and/or other legal actions from any party.
  2. During OneKlik registration on Merchant’s website and/or application, prospective OneKlik User is required to conduct the following steps:
    1. input among others:
      • valid, active, and unblocked card number; and
      • Daily Limit (if any);
    2. select or input a valid Mobile Number for the purpose of sending push notification;
    3. click on the received push notification to continue the registration process in m-BCA on the BCA mobile that is connected to such Mobile Number;
    4. authorize the Merchant to provide instruction for debiting the source of fund for payment of Transaction to BCA for the purpose of settlement of the Transaction and payment of fees related to the Transaction.
  3. OneKlik User must ensure that the Mobile Number is valid, still active, and not blocked. If there is a change in the Mobile Number, OneKlik User is required to update the Mobile Number data at the nearest BCA branch or through other means as determined by BCA.
  4. BCA will not process OneKlik registration if the prospective OneKlik User does not fulfill the provision of point 2 above or for any other reasons in accordance with the applicable provisions at BCA.
  5. OneKlik User is obliged to ensure and maintain the confidentiality of the Customer Account/User ID and the password for the Customer Account/User ID. OneKlik User is fully responsible for any consequences arising in connection with the misuse of the Customer Account/User ID and the password of the Customer Account/User ID and for any losses arising from such misuse.
  6. OneKlik User may register more than 1 (one) Type of Fund Source with due observance of the limitation on the number of accounts and the Type of Fund Source that can be registered in accordance with the applicable provisions at BCA.
  7. OneKlik User is obliged to determine the Type of Fund Source which will be used to conduct Transaction through the Merchant’s website and/or application and/or facilities which will be provided by BCA in the future if OneKlik User registers more than 1 (one) Type of Fund Source. The Default Account connected to the Type of Fund Source determined by OneKlik User to conduct Transaction will be used as the source of fund account of the Transaction.
  8. After the OneKlik registration has been successfully processed, OneKlik User can directly make Transaction using the Customer Account/User ID.
  9. OneKlik User may change, add, or delete the Type of Fund Source and/or source of fund account on the Merchant’s website/application or any other means determined by BCA with due observance of the applicable provisions at BCA.
  1. OneKlik User is fully responsible for the use of payment instrument information used to conduct Transaction, Type of Fund Source, Mobile Number, OTP, Customer Account/User ID, including in the event of misuse of such information.
  2. OneKlik User will be charged for the delivery fee of Short Message Service (SMS) for every transaction that requires OTP. The amount of SMS fee conforms to the policy determined by the respective cellular operator.
  3. In the event that the card linked to the Type of Fund Source and/or Subscriber Identity Module (SIM) Card linked to the Mobile Number is stolen or lost, OneKlik User is required to immediately contact Halo BCA and/or the Merchant. As long as the notification of the theft or loss has not been received by BCA and/or the Merchant, then every Transaction which is used such card and made on the Customer Account/User ID will be the sole responsibility of OneKlik User.
  4. In the event that the Customer Account/User ID is known by a party other than OneKlik User, then OneKlik User is obliged to immediately contact the Merchant to prevent any misuse of the Customer Account/User ID by any other party. Any Transaction that occur before OneKlik User contacts the Merchant will be for the sole responsibility of OneKlik User.
  5. OneKlik User is obliged to bear Transaction fees and any other fees related to Transaction applicable at BCA which will be notified by BCA to OneKlik User in any form and through any means in accordance with the applicable law. Such fees will be directly debited by BCA from the source of fund linked to the Type of Fund Source.
  6. OneKlik User hereby authorizes BCA to provide OneKlik User’s data to the Merchant for the purposes of registration, management of Type of Fund Source, and processing and settlement of Transaction.
  7. BCA has the right to block OneKlik and/or terminate the provision of OneKlik to OneKlik User in the event that:
    1. OneKlik User does not comply with the applicable provisions of BCA and/or the applicable laws;
    2. OneKlik User does not fulfill the provisions of request for information and/or supporting documents in accordance with the applicable provisions at BCA and/or the applicable law;
    3. OneKlik User is known and/or reasonably suspected false documents and/or provide incorrect data to BCA;
    4. OneKlik User submits information which is doubtful; and/or
    5. OneKlik User has a source of transaction funds that is known and/or reasonably suspected comes from the proceeds of a criminal act.
  8. BCA has the right to amend the Merchant Limit and/or maximum Daily Limit at any time based on the prevailing policies at BCA which will be notified to OneKlik User in any form and through any means in accordance with the applicable law.
  9. OneKlik closure may be conducted by OneKlik User by deleting all payment instruments linked to the Type of Fund Source which has been registered on the Customer Account/User ID through the Merchant’s website and/or application, by contacting Halo BCA, through m-BCA on BCA mobile which is connected to the Card which is linked to the Type of Fund Source, and/or through other facilities that will be provided by BCA in the future.
  1. When of conducting a Transaction, OneKlik User shall ensure that the source of fund and card (if any) linked to the Type of Fund Source, are active and not blocked.
  2. BCA is not responsible for and is not obliged to check the validity of Transaction data received from the Merchant.
  3. Every time a OneKlik User conducts a Transaction, OneKlik User shall log in using the Customer Account/User ID.
  4. For the purposes of processing the Transaction, BCA and/or Merchant at any time has the right to request for authorization to OneKlik User for Transaction or instruction given by OneKlik User in the form of OTP or any other forms in accordance with the applicable provisions at BCA through the Merchant’s website and/or application.
  5. OneKlik User must check the Transaction data displayed on the Merchant’s website and/or application before conducting a Transaction. Any Transaction that have been processed by BCA cannot be canceled. All consequences arising in connection with the execution of the Transaction are the sole responsibility of OneKlik User.
  6. Transaction is made in Rupiah (IDR) currency.
  7. Before conducting a Transaction, OneKlik User must ensure that the balance of the source of fund linked to the Type of Fund Source selected by OneKlik User is sufficient to conduct the Transaction.
  8. OneKlik User hereby authorizes the Merchant to give the instruction for debiting the Default Account to BCA for the purpose of completing the Transaction and paying Transaction-related fees. OneKlik User is hereby fully responsible for all consequences arising in connection with the debiting of the Default Account by BCA based on the data received by BCA from the Merchant and OneKlik User hereby releases BCA from all claims, lawsuits, and/or legal actions from any party including OneKlik User itself in connection with the debiting of the Default Account.
  9. BCA will debit the Default Account determined by OneKlik User in accordance with the nominal Transaction based on the instruction received from the Merchant by taking into account the Daily Limit, Merchant Limit, and balance in the Default Account.
  10. If the balance in the Default Account exceeds the Daily Limit, then the maximum amount of fund that can be debited is the remaining amount of the Daily Limit.
  11. If the remaining Daily Limit is sufficient but the balance in the Default Account is less than the nominal value of the Transaction, BCA has the right to debit the remaining balance in the Default Account in accordance with the instruction received from the Merchant. The shortage difference between the nominal value of the Transaction and the nominal successfully debited by BCA shall be settled by OneKlik User with the Merchant in accordance with the applicable policies at each Merchant.
  12. If the Merchant determines that the goods and/or services purchased shall be paid in full, the Transaction will not be processed if the Daily Limit and Default Account are insufficient to complete settlement of the Transaction.
  13. BCA has the right not to process Transaction payment, among others, if:
    1. the Type of Fund Source belonging to OneKlik User registered in the Customer Account/User ID cannot be used for transaction in accordance with the applicable provisions at BCA;
    2. the source of fund connected to the Type of Fund Source is dormant or blocked;
    3. the balance on source of fund connected to the Type of Fund Source is not available;
    4. Daily Limit has been exceeded;
    5. the Type of Fund Source chosen by OneKlik User to conduct the Transaction is not accepted by the Merchant.
  14. BCA will send notification of Transactions that have been processed by BCA to the Merchant and OneKlik User may check the Transaction status on the Merchant’s website and/or application.
  15. Transaction nominal value per Type of Fund Source is a minimum of Rp1.- (one rupiah) and a maximum of as much as the Daily Limit. The validity of such limit remains to observe:
    1. limitation of Merchant Limit amount;
    2. the availability of balance in the source of fund connected to the Type of Fund Source when conducting payment of the Transaction.
  16. BCA is not responsible for any failure to purchase of goods and/or services at the Merchant’s website and/or application (including but not limited to the quality, price, delivery, and shipment of goods and/or services by the Merchant to OneKlik User), after the funds in Default Account has been successfully debited by BCA based on the instruction received from the Merchant.
  17. BCA is not responsible for the confidentiality and/or misuse of all information and/or data sent by BCA related to any Transaction conducted through OneKlik after the information and/or data has been sent out from the BCA system.
  1. BCA has the right to change the Merchant Limit and the maximum Daily Limit at any time based on the prevailing policy at BCA which will be notified to OneKlik User in any form and through any means in accordance with the applicable law.
  2. If the Merchant Limit after being changed becomes lower than the Daily Limit of OneKlik User, then the Daily Limit of OneKlik User will be automatically changed to the current Merchant Limit. Such limit change will be effective on the following calendar day after the Merchant Limit change is made on the BCA system.
  3. OneKlik User can make changes to the Daily Limit on each source of fund linked to the Type of Fund Source through m-BCA at BCA mobile and/or other media provided by BCA in the future.
  4. When changing the Daily Limit, OneKlik User is required to conduct the following activities:
    1. Select the Type of Fund Source that will be changed to the Daily Limit on the Atur OneKlik sub-menu on m-BCA;
    2. Enter the new Daily Limit;
    3. Enter the m-BCA PIN.
  5. Daily Limit changes by OneKlik User shall refer to the Merchant Limit and the change of Daily Limit is effective in real time after the Daily Limit change has been successfully made.
  1. OneKlik User may submit complaints/claims to BCA in relation to OneKlik through Halo BCA. For the purpose of handling such complaints/claims, BCA has the right to request OneKlik User to submit a photocopy of OneKlik User’s identity and other supporting documents.
  2. BCA will respond to such complaints in accordance with the applicable law.
  3. Any complaints related to the use of OneKlik shall be submitted by OneKlik User to BCA no later than 3 (three) months from the Transaction date.
  1. OneKlik User agrees that any dispute or differences of opinion arising from and/or relating to the implementation of these OneKlik Terms and Conditions of PT Bank Central Asia Tbk (“BCA”) will be resolved by way of deliberation.
  2. Any dispute or difference of opinion that cannot be resolved through deliberation by BCA and OneKlik User will be resolved through banking mediation at Bank Indonesia or the Financial Services Authority or mediation conducted through the Alternative Dispute Settlement Institution listed in the List of Alternative Dispute Settlement Institution established by the Financial Services Authority.
  3. Any dispute or difference of opinion that cannot be resolved through deliberation, banking mediation, and/or mediation as referred to in point 2 above, will be resolved through the Central Jakarta District Court, without prejudice to the BCA’s right to file a lawsuit or claim through other District Courts within the jurisdiction of the Republic of Indonesia.
  1. OneKlik User fully understand that:
    1. any goods and/or services which payment is made using OneKlik are not the goods and/or services of BCA. Everything related to the goods and/or services offered through the Merchant’s website and/or application for the sole responsibility of the Merchant. All disputes arising in connection with the Transaction is beyond BCA’s responsibility and shall be resolved by OneKlik User and the Merchant.
    2. the accuracy of information contained on the Merchant’s website and/or application is the sole responsibility of the Merchant.
  2. OneKlik User hereby releases BCA from all kinds of claims, lawsuits, and/or other legal actions in any form and from any party including from OneKlik User itself related to the goods and/or services offered through the Merchant’s website and/or application, including but not limited to the quality, price, delivery, and shipment of goods and/or services by the Merchant to OneKlik User.
  3. BCA shall not be liable for any consequences arising in connection with the delay and/or the non-performance of instructions from OneKlik User by BCA either partially or wholly due to events or causes beyond BCA’s control or ability (force majeure), including but not limited to natural disasters, wars, riots, malfunctioning of equipment and systems, transmission disruptions, power disruptions, telecommunications disruptions, and government policies.
  4. By using OneKlik, OneKlik User hereby declare that they have fully understood the costs, benefits, features, and risks associated with OneKlik and is subject to and bound by the contents of these BCA’s OneKlik Terms and Conditions. BCA has the right to change, complete, or replace these OneKlik BCA Terms and Conditions which will be notified by BCA to OneKlik User in any form and through any means in accordance with the applicable law.

These BCA’s OneKlik Terms and Conditions has been adjusted to the laws and regulations including the regulations of the Indonesian Financial Services Authority.

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