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. It's important to transfer the exact amount instructed: if the amount doesn't match, the top-up can fail 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 — BI-FAST, Real Time Online, RTGS, SKN, or Bank Teller Transfer.
- 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's team only works on working days and during working 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 can 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?
Submit it after every Direct BCA Transfer top-up, whichever accepted transfer method you used. It gives Pluang your transfer details, so your top-up can be checked quickly if anything needs a closer look.
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 may not be credited. That's why it's important to transfer the exact amount shown in the app, from an account in your own name, and only after submitting a top-up request. If a top-up can't be credited, 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.