Virtual Account Platform

M‑VirandaEvery Payment, Traceable

Name: M-Viranda
Brand: Matajari

M‑Viranda is Matajari’s virtual account platform. It makes every transaction in your organisation easy to trace, monitor and manage.

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Why virtual accounts

Indonesia pays digitally — and often by virtual account.

Indonesia ranked first in Southeast Asia for digital transaction value in 2023. Virtual accounts remain one of the most popular ways Indonesians pay.

Favourite payment methods in Indonesia

#3 Virtual account

Ranked above

Credit card
Debit card
Over the counter
Paylater

Source: Statista, 2023

What is M‑Viranda?

M‑Viranda is a virtual account platform that makes every transaction in your organisation easy to trace, monitor and manage.

Trace Check any VA and its status with VA inquiry.
Monitor Follow every payment through transaction reports.
Manage Create, modify, update the status of or delete VAs.

Check any VA and its status with VA inquiry.

Virtual account types

Build the VA that fits how you bill.

M‑Viranda offers virtual accounts by number type and by billed amount. Pick one of each to see how the VA behaves.

1Choose the VA number

With a fixed VA, the number belongs to the customer, so it stays the same and can be used for several payments — for example a VA based on the customer’s phone number.

2Choose how the bill is paid

Closed & open

Partial

Maximum & minimum

Bill variable

A closed payment VA bills the customer a fixed amount.

Virtual account Example

VA number

8808 · 0812 •••• ••••

The same number for every payment by this customer.

Payment rule

Rp 500,000 — fixed

Customer paysRp 500,000

Solution diagram

Five components around one core.

Viranda Core runs every VA transaction and VA management task. The other components connect to it — for operators, for partners, and for the bank.

Partners connect through API

M‑SNAP

Communicates with partners following the BI SNAP standard.
Used by VA operators

Viranda Back Office

The admin interface for VA operators.

Viranda Core

The main VA engine that serves transactions and VA management.

Main functions

Create VA
Update / modify VA
Pay VA
VA inquiry
Update VA status
Delete VA
Get report

Used by bank partners

Bank Client Interface for VA

An interface for bank partners that do not yet have their own back-end system.
Inside the bank

Bank Back-end

The bank’s back-end system for transactions.

Viranda Core

The main VA engine that serves transactions and VA management.

Create VA
Update / modify VA
Pay VA
VA inquiry
Update VA status
Delete VA
Get report

Deployment

Run it with or without API integration.

M‑Viranda comes in two setups. Choose one to see how payments flow.

Clients and operators work through the Viranda Back Office and the Bank Client Interface for VA. No API integration with your customers is needed.

Users
- Clients Through the bank client interface
- Operator Through the back office
- Online client Through the API
Interfaces
- Viranda Back Office
- Bank Client Interface for VA
- M‑SNAP BI SNAP API interface
Core
- Viranda Core VA transactions and management
Bank
- Bank back-end
- Bank switching / middleware
Payment infrastructure
- Payment networks GPN, BI‑FAST, Visa, Mastercard and others

Users
- Clients
- Operator
- Online client
Interfaces
- Viranda Back Office
- Bank Client Interface for VA
- M‑SNAP
Core
- Viranda Core
Bank
- Bank back-end
- Bank switching / middleware
Payment infrastructure
- Payment networks

Frequently Asked Questions

Everything you need to know about M‑Viranda.

M‑Viranda is a virtual account platform that makes transactions in an organisation easy to trace, monitor and manage.

A fixed VA number belongs to a customer and can be used for several payments, for example a VA based on the customer’s phone number. A non-fixed VA number belongs to a single transaction and can only be used once.

No. M‑Viranda can run as an offline-only solution through the back office and the bank client interface, or as an offline and online solution with SNAP APIs through M‑SNAP.

Viranda Core connects to the bank back-end, which reaches payment networks such as GPN, BI‑FAST, Visa and Mastercard through the bank’s switching and middleware.