Payment Product Overview

Before diving into the API details, it’s important to understand the fundamental differences between SingaPay’s Money-In payment products. Each product serves different use cases and has unique characteristics.

Payment Product Models

Product	Model	Reusability	Child Records
Virtual Account	Reusable Instrument	✓ Multiple payments	VA Transactions
Payment Link	Reusable Link	✓ Multiple payments	Payment Link Histories
QRIS	One-Time Transaction	✗ Single use only	N/A (self-contained)
E-Wallet (Money In)	One-Time Checkout	✗ Single use only	N/A (self-contained)
Card (Money In)	One-Time Checkout	✗ Single use only	N/A (self-contained)

Virtual Account Bank Transfer Support

The following table shows the interbank and intrabank transfer support for each Virtual Account bank:

VA Bank	Intrabank	Interbank
BRI	✓ Supported	✓ Supported
BNI	✓ Supported	✗ Not Supported
DANAMON	✓ Supported	✓ Supported
MAYBANK	✓ Supported	✓ Supported
BCA	✓ Supported	✓ Supported

Note: Intrabank refers to transfers from the same bank, while Interbank refers to transfers from different banks. BNI Virtual Account currently only supports intrabank transfers.

Visual Comparison

Virtual Account

Parent:VA Number (8890-1234-5678)

├─ Transaction #1: IDR 500K

├─ Transaction #2: IDR 750K

└─ Transaction #3: IDR 300K

✓ One VA, multiple transactions

Payment Link

Parent:Link URL (singapay.com/b2b/INV-001)

├─ History #1: VA BRI - IDR 500K

├─ History #2: QRIS - IDR 500K

└─ History #3: GoPay - IDR 500K

✓ One link, multiple payment methods

QRIS

QR Code:QR20240115123456

└─ Single payment: IDR 500K

→ Expires after use

✗ One QR = One transaction

E-Wallet (Money In)

Checkout:EWT01JKABCDEF123456789 (ShopeePay)

└─ Single payment: IDR 50K via ShopeePay

→ Checkout URL expires (default 30 min)

✗ One checkout = One payment (supports ShopeePay & Dana)

Card (Money In)

Checkout:CC01JKABCDEF123456789 (Visa/Mastercard)

└─ Single payment: IDR 500K via Visa

→ Checkout URL expires (default 30 min)

✗ One checkout = One payment (supports Visa, Mastercard)

Choosing the Right Product

🎯 Use Case Recommendations

• Virtual Account: Best for recurring payments from the same customer (e.g., monthly subscription, installment payments)
• Payment Link: Best for invoicing, e-commerce checkout, or when you need flexibility in payment methods
• QRIS: Best for point-of-sale, in-person payments, or when you need instant payment confirmation
• E-Wallet (Money In): Best for online payments where customers prefer to pay directly from their e-wallet app (ShopeePay, Dana)
• Card (Money In): Best for online payments where customers prefer to pay using their credit or debit card (Visa, Mastercard)

Key Differences Summary

Feature	Virtual Account	Payment Link	QRIS	E-Wallet (Money In)	Card (Money In)
Multiple Payments	✓ Yes	✓ Yes	✗ No	✗ No	✗ No
Payment Methods	Bank transfer only	Multiple (VA, QRIS, E-Wallet)	All payment apps	ShopeePay, Dana	Visa, Mastercard
Amount Flexibility	Fixed amount	Fixed amount	Fixed amount	Fixed amount	Fixed amount
Expiration	Optional	Optional	Optional	Default 30 min (configurable)	Default 30 min (configurable)
Usage Limit	Configurable	Configurable	One-time only	One-time only	One-time only
Best For	Recurring payments	Invoicing & e-commerce	In-person payments	Online e-wallet payments	Online card payments
Tracking	VA Transactions API	Payment Link Histories API	QRIS API (self-contained)	E-Wallet Transactions API	Card Transactions API

Next Steps

Now that you understand the differences between our payment products, you can:

Learn about transaction limits - View minimum and maximum amounts for each product
Explore Virtual Account API - Create and manage virtual accounts
Explore Payment Link API - Create and manage payment links
Explore QRIS API - Generate and manage QRIS codes
Explore E-Wallet (Money In) API - Create e-wallet checkout orders and receive payments via ShopeePay & Dana
Explore Card (Money In) API - Create card checkout orders and receive payments via Visa & Mastercard