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Payment Flows

This section provides an overview of available payment channels in Xenith. Each section describes what the payment method is and the typical customer flow.

🇰🇭 Cambodian Riel & United States Dollar (KHR / USD)

Bank Transfer

Overview

Customers can pay by transferring funds directly in either KHR or USD using mobile banking or traditional bank channels.

Payment Flow

  1. Bank account details are displayed at checkout.
  2. The customer initiates a transfer using their banking method.
  3. The customer reviews and confirms the transfer.
  4. The payment is completed and the status is returned.

KHQR

Overview

KHQR is Cambodia’s standardised QR payment system by the National Bank of Cambodia. It allows customers to pay by scanning a single interoperable QR code using any supported banking or e-wallet app connected to Bakong.

Payment Flow

  1. A QR code is displayed.
  2. The customer scans the QR using a banking app or wallet.
  3. The customer reviews the payment details.
  4. The customer authorises the payment.
  5. The payment is completed instantly.


🇮🇳 Indian Rupee (INR)

UPI QR

Overview

UPI QR codes allow customers to pay by scanning a static or dynamic QR code using any UPI-enabled app. Static QR codes are reusable, while dynamic QR codes are generated per transaction with pre-filled details.

Payment Flow

  1. A QR code is displayed.
  2. The customer scans the QR using a UPI app.
  3. The customer reviews the payment details.
  4. The customer authorises the payment using a UPI PIN.
  5. The payment is completed, and the UTR appears in the app.
  6. The customer enters the UTR to confirm the payment.

UPI VPA

Overview

UPI Intent enables the merchant app or website to launch the customer’s UPI app directly. Transaction details are pre-filled, creating a faster and more seamless payment flow.

Payment Flow

  1. A UPI ID is displayed at checkout.
  2. The customer initiates a payment in their UPI app using the UPI ID.
  3. The customer reviews the payment details.
  4. The customer authorises the payment with a UPI PIN.
  5. The payment is completed and a UTR is shown.
  6. The customer enters the UTR to confirm the payment.
image by juspay.io

image by juspay.io

UPI Intent

Overview

UPI Intent is a payment flow designed for mobile apps and web browsers that allows customers to initiate UPI payments directly from a merchant interface, triggering a redirection to a supported UPI app (e.g., Google Pay, PhonePe, Paytm) without requiring manual entry of a UPI ID or scanning a QR. It creates a more frictionless and mobile-first experience, increasing conversion rates and reducing drop-offs. The merchant app/web redirects the user with pre-filled transaction details, and the UPI app handles authentication and payment confirmation.

Payment Flow

  1. A list of supported UPI apps is displayed.
  2. The customer selects a UPI app and is redirected to it.
  3. The customer reviews the pre-filled payment details.
  4. The customer authorises the payment using a UPI PIN.
  5. The customer is redirected back with the payment status.
  6. The payment is completed.
image by juspay.io

image by juspay.io


🇮🇩 Indonesian Rupiah (IDR)

Virtual Account (VA)

Overview

A Virtual Account is a unique bank account number generated for each payment. Customers transfer funds to this number, and the payment is automatically identified and confirmed.

Payment Flow (Intrabank)

  1. A unique VA number is displayed.

  2. The customer initiates a transfer via mobile banking, ATM, or branch.

  3. The customer reviews the payment details.

  4. The customer confirms the transfer.

  5. The payment is completed and automatically identified.


Payment Flow (Interbank BCA via INA Perdana)

Transfer via BCA Mobile

  1. Open the BCA Mobile application.
  2. Select m-Transfer.
  3. Choose Daftar (Register) > Antar Bank (Interbank).
  4. Enter the beneficiary account number and select Bank INA Perdana as the destination bank.
  5. After registering the beneficiary, go to Transfer > Antar Bank.
  6. Select Bank INA Perdana and choose the newly registered beneficiary account.
  7. Enter the deposit amount you wish to transfer.
  8. Choose the transfer network: BI-Fast or Realtime Online.
  9. Tap Send.
  10. Confirm the transfer, then enter your Transfer PIN and select OK.
  11. For transfers above Rp 250,000,000, please use RTGS.
  12. If you have previously transferred to Bank INA through BCA Mobile, you may start from Step 5.

Transfer via myBCA

  1. Open the myBCA application.
  2. Select the Transfer menu.
  3. Choose Transfer to Other Bank.
  4. Select Transfer to New Beneficiary.
  5. Search and select Bank INA Perdana.
  6. Enter the VA number in the Beneficiary Account Number field.
  7. Enter the transfer amount, select BI-Fast, then tap Continue.
  8. Review your transaction details; if everything is correct, tap Continue.
  9. Your transfer is complete.
  10. For transfers above Rp 250,000,000, please use RTGS.

Transfer via BCA ATM

  1. Insert your BCA ATM Card.
  2. Enter your 6-digit PIN, then press Enter.
  3. Select Transfer.
  4. Choose Interbank Transfer.
  5. Select INA PERDANA (Bank Code: 513).
  6. Enter the beneficiary account number.
  7. Enter the amount you wish to transfer.
  8. Review all transfer details; if correct, press OK to confirm.

Transfer via BCA Internet Banking (KlikBCA)

  1. Log in to KlikBCA.
  2. Go to Transfer > Antar Bank (Interbank).
  3. Select the transfer network: BI-Fast or Realtime Online.
  4. Choose INA PERDANA as the destination bank.
  5. Enter the beneficiary account number.
  6. Enter the transfer amount and ensure your balance is sufficient.
  7. Select your Transfer Fee Payment option.
  8. Review the transaction details, then click Send or Agree.
  9. You will receive a confirmation and proof of transfer.

QRIS (Quick Response Code Indonesian Standard)

Overview

QRIS is Indonesia’s standardised QR payment system. Customers scan a single QR code using their banking or e-wallet app to complete the payment.

Payment Flow

  1. A QR code is displayed.
  2. The customer scans the QR using a banking app or wallet.
  3. The customer reviews the payment details.
  4. The customer authorises the payment.
  5. The payment is completed instantly.

E-Wallets

Overview

E-wallets enable customers to make digital payments using apps like OVO and DANA through in-app authentication.

Payment Flow

OVO

  1. A payment prompt appears in the OVO app.
  2. The customer opens the OVO app to view the request.
  3. The customer reviews the payment details.
  4. The customer authorises the payment using an OVO PIN.
  5. The payment is completed, and confirmation is shown in the OVO app.

DANA

  1. The customer enters their phone number in the DANA page.
  2. A payment request is sent to the DANA app.
  3. The customer opens the DANA app when the prompt appears.
  4. The customer reviews the payment details.
  5. The customer authorises the payment using a PIN or biometrics.
  6. The payment is completed, and the status appears in the DANA app.


🇲🇾 Malaysian Ringgit (MYR)

FPX

Overview

FPX is Malaysia’s online banking payment method that connects directly to participating banks. Customers authenticate and confirm payments using their bank credentials.

Payment Flow

  1. The customer logs in using their bank account details.
  2. The customer reviews the payment details.
  3. The customer authorises the payment.
  4. The payment is completed and the status is returned.

DuitNow QR

Overview

DuitNow QR is Malaysia’s national QR payment standard. Customers scan the QR code using participating mobile banking apps or e-wallets to complete payment.

Payment Flow

  1. A QR code is displayed.
  2. The customer scans the QR using a banking or wallet app.
  3. The customer reviews the payment details.
  4. The customer authorises the payment.
  5. The payment is completed instantly.


🇵🇭 Philippine Peso (Peso)

E-Wallets

Overview

E-wallets enable customers to make digital payments using apps like PayMaya and GCash through in-app authentication.

Payment Flow

GCash

  1. A QR code is displayed.
  2. The customer scans the QR using their GCash app.
  3. The customer reviews the payment details.
  4. The customer authorises the payment.
  5. The payment is completed instantly.

Pay Maya

  1. The customer logins into their Pay Maya account.
  2. An OTP is sent to the customer.
  3. The customer enters the OTP and authorises the payment.
  4. The payment is completed, and the status appears in the Pay Maya app.


🇹🇭 Thai Baht (THB)

PromptPay QR

Overview

PromptPay QR allows customers to make payments by scanning a QR code via supported Thai banking apps. The transaction uses Thailand’s PromptPay network.

Payment Flow

  1. A QR code is displayed.
  2. The customer scans the QR using a banking app.
  3. The customer reviews the payment details.
  4. The customer authorises the payment.
  5. The payment is completed instantly.


🇻🇳 Vietnamese đồng (VND)

VietQR

Overview

VietQR is a QR-based payment method supported by Vietnamese banks. Customers scan the QR code using their mobile banking app to complete a payment instantly.

Payment Flow

  1. A QR code is displayed.
  2. The customer scans the QR using their banking app.
  3. The customer reviews the payment details.
  4. The customer authorises the payment.
  5. The payment is completed instantly.

Updated 24 days ago