What Is Payment Confirmation for a Direct BCA Top-Up?

Payment confirmation is the step where you submit your transfer details — source account number, transfer amount, transfer date, and proof of transfer — in the Pluang app after making a Direct BCA Transfer, so Pluang's system can verify your bank transfer and credit it to your Pluang balance. Once submitted correctly, your balance and top-up status normally update within minutes. If there's a difference between the name on the sending account and the name registered with your Pluang account, Pluang needs up to 1 working day to check manually before crediting. If the transfer amount doesn't match what was instructed, the top-up fails and is refunded in full within up to 2 working days once your Payment Confirmation data is complete and correct.

• What you submit: source account number, transfer amount, transfer date, and proof of transfer (a screenshot or receipt showing the transaction).
• Applies to any accepted transfer method — Real Time Online, RTGS, SKN, or Bank Teller Transfer. Real Time Online is still the method required for the fastest, most reliable crediting; BI-FAST is currently unavailable (temporarily closed pending Bank Indonesia's approval to reopen it).
• Normal case: automatic matching happens within minutes of submitting a correct Payment Confirmation.
• Name mismatch case: checked manually, taking up to 1 working day — not calendar time, since Pluang Ops only work within working days and hours.
• Failure case: a nominal mismatch, a transfer from an account that isn't yours, or a transfer made without first submitting a top-up request will cause the top-up to fail. Pluang refunds 100% of the amount sent, within up to 2 working days once your data is complete.
• One submission only: you can only submit Payment Confirmation once per top-up request, so make sure your details and proof of transfer are accurate before sending.

Related questions:

Q: Do I need to submit Payment Confirmation for every Direct BCA Transfer top-up?
Yes. Payment Confirmation is required for every Direct BCA Transfer top-up, regardless of which accepted transfer method (Real Time Online, RTGS, SKN, or Bank Teller Transfer) you used — it's how Pluang's system matches your bank transfer to your top-up request and credits your balance.

Q: How long does Payment Confirmation take to process?
Normally within minutes, once your details are submitted correctly and match your transfer. It only takes longer — up to 1 working day — if there's a difference between your sending account name and your registered Pluang name that needs manual checking.

Q: What happens if my Payment Confirmation details don't match my actual transfer?
Your top-up fails rather than being credited. This happens if the amount doesn't match the instructed nominal, the funds came from an account you didn't declare, or you transferred without first submitting a top-up request. Pluang refunds 100% of the amount sent, within up to 2 working days once your data is complete and correct.

Q: Can I resubmit Payment Confirmation if I made a mistake the first time?
No, you can only submit it once per top-up request. If your proof of transfer or details are inaccurate, it can delay verification or any refund, so double-check everything before clicking send.

Q: Why do I need to do Payment Confirmation manually instead of it crediting automatically?
Because Direct BCA Transfer relies on matching a manual bank transfer to your request — Pluang's system needs your submitted details (source account, amount, date, proof) to identify which incoming transfer is yours, since a bank transfer alone doesn't carry that context automatically.