Is the funds transfer for Midtrans’ Bank Transfer payment method real time?
Generally yes. Midtrans’ Bank Transfer payment methods consist of BCA Virtual Account (VA), Mandiri Bill Payment, and Permata VA. Both BCA VA and Mandiri Bill Payment only accepts in-house transfers, meaning from BCA and Bank Mandiri source accounts respectively.
For Permata VA, customer can transfer from any bank account and it will be real time, as long as the transfer channels (ATM, internet banking, mobile banking) support online transfer option (i.e. connected to ATM networks such as ATM Bersama, Prima, and Alto).
Other transfer option such as SKN/LLG and RTGS are typically processed after 1 day.
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