API Features How to use BCA’s API


Thank you for visiting the Developer API (Application Programming Interface) Website. For your ease of reference, PT Bank Central Asia Tbk (“BCA”) has provided the terms of use for the API BCA Developer Website at developer.bca.co.id  (“Terms of Use”). 

About the Terms of Use

You must read the Terms of Use carefully before using the API BCA Developer Website operated by BCA (the “Service”). The Terms of Use apply to all visitors and users that either access or use the Service. By accessing or using the Service, you agree to comply with all of these Terms of Use.

Use of the Service

If you use the Service on behalf of a company or any other legal entity, you hereby represent and warrant that you have the authority to act for and on behalf of the entity you represent.


To access and use the features of the Service, you are required to provide valid identity information. You hereby warrant that all the registration information you provide to BCA is always valid and up to date, and you must immediately notify BCA of any change to your data.

API BCA Verified Account

API BCA Verified Account is an account provided by BCA for you as a party appointed by Facility Recipient to login to the Developer Website API BCA to manage your API BCA facility. You must secure the API BCA Verified Account by:

  1. not disclosing password to other unauthorized parties;
  2. not writing down passwords on desks, terminals or store them in written form or on computer applications or other storage devices that may be known by other people;
  3. not using passwords that are easy to guess, such as birthdays or their combinations, and telephone numbers.

The email that you use as an API BCA Verified Account identity can be registered with more than one API BCA Facility Recipient according to the API BCA Verified Account registration submitted by Facility Recipient to BCA.

Customer Testing Feature

The Customer Testing feature can only be accessed by the Verified Account. Verified Account are required to maintain the confidentiality of the credential listed in the Customer Testing feature. Verified Account can download the test results when the verification process of API feature on Website Developer API have been done. Verified Account is required to provide reasons/written explanations to BCA in the event that the Verified Account does not test each test scenario of the BCA API feature submitted by the Facility Recipient. BCA has the right to add, delete, or change the test scenario of the API BCA feature without prior notification to the Verified Account. 

Compliance with the Law

You must comply with the Terms of Use and other relevant laws and regulations in force. You will not use the Service to encourage or promote illegal or unlawful activities. The use of the Service is subject to, governed by, and interpreted in accordance with the laws and regulations of the Republic of Indonesia.

Access to Sandbox API BCA

You are only allowed to access Sandbox API BCA in the manner described in the documentation on the API BCA Developer Website. If BCA provides you with certain confidential data (e.g., a ClientID), you must use the data in accordance with the API service you are entitled to use and keep such data confidential. You are not allowed to conceal and/or hide your identity in any form when using the Sandbox API. 

Sandbox API BCA Data

You agree that any data you access through Sandbox API BCA constitutes dummy information. BCA may at any time change and/or delete the data without prior notification.

Limits on Sandbox API BCA 

BCA reserves the right to set limits on the Sandbox API BCA usage, such as the type and number of transactions per second (TPS) on the API request that you can access. In connection therewith, you agree not to attempt to violate such API limits as documented in each API. If you wish to use Sandbox API BCA beyond the specified usage limits, please Contact Us .

Monitoring on API BCA Developer Website

You agree that BCA is likely to monitor the use of the Sandbox API BCA to maintain service quality, improve the quality of BCA products and check compliance with the use of the Sandbox API BCA. For the purpose of such monitoring, BCA has the right to access, among others, your account, for example, to identify security issues that may affect BCA's operational activities and/or the use of Sandbox API BCA. BCA may, under certain circumstances, terminate your access to Sandbox API BCA and/or other features such as Customer Testing, among other things if there is excessive usage of the Sandbox API BCA, misuse of the Sandbox API BCA, and other actions that disrupt the operation of the Sandbox API BCA.

Prohibitions while Using API BCA Developer Website

While using API BCA Developer Website, you are prohibited from:

  1. Transferring the use of API BCA Developer Website to another party in any manner.
  2. Performing any act to disrupt API BCA Developer Website and/or use API BCA with viruses, worms, spyware, Trojan horses, malware, or other malicious software programs.
  3. Interfering with or damaging the API BCA Developer Website’s API, server, or network.
  4. Promoting or facilitating activities that are against the law (including, among other things, gambling and pornography).
  5. Deleting and/or modifying the Terms of Use.
  6. Using any software, programs, algorithms, methodologies, or other automated devices including deep-links, spiders, page scrapers, robots, click spam, or crawls to monitor, access, obtain information, generate searches, copy, or collect data, information or content found on this Service, or using manual processes for purposes that may interfere with BCA's operational activities and/or the use of API BCA Developer Website. 
Termination of the Use of API BCA Developer Website

BCA under certain considerations has the right to terminate the Service or temporarily suspend access to the API BCA Developer Website.
After BCA terminates the Service or temporarily suspend access to the API BCA Developer Website, you must immediately delete the cache or content you have stored.

Limitation of Liability

BCA is not liable for:

  1. Any loss of profit, income, and/or data due to the use of features on the API BCA Developer Website; 
  2. Any costs and expenses, losses, whether direct or indirect, and/or damage that may arise as a result of your use of features on the API BCA Developer Website.

You hereby confirm that you will be solely responsible for the foregoing and indemnify BCA – including its directors, commissioners, and employees – against all liabilities, damages, losses, costs and expenses (including legal fees) and other costs and expenses related to any charges brought by other parties as a result of, among other things:

  1. any misuse of the API BCA Developer Website by you or your end-user; and/or
  2. any breach of the Terms of Use by you or your end-user.

BCA has the right to amend or replace these Terms of Use, and such amendment will be notified by BCA in any form and by any means in accordance with the applicable law.


These Terms of Use for API BCA Developer Website are made in Indonesian and English versions. In the event of any discrepancy in interpretation between the Indonesian and English versions, the Indonesian version shall prevail.

Contact us

If you have any questions regarding these Terms of Use, please contact us:

PT Bank Central Asia Tbk

Attn: Terms of Use Issues

api_support@bca.co.id *

Menara BCA Grand Indonesia Lt. 33, Jl. M.H. Thamrin No. 1, Jakarta 10310

These Terms of Use for API BCA Developer Website have been adjusted to ensure compliance with the prevailing laws and regulations including Regulations of the Financial Services Authority (OJK)