Traveloka Partnering with BNI for the Latest Payment Method, Traveloka PayLater 'Virtual Card Number'

Traveloka Partnering with BNI for the Latest Payment Method, Traveloka PayLater 'Virtual Card Number'

Jakarta, 13 September 2021 -- Traveloka, the lifestyle super-app  in Southeast Asia, officially introduces Traveloka PayLater 'Virtual Card Number'. First available in Southeast Asia, Traveloka PayLater's latest installment payment method 'Virtual Card Number' allows Traveloka PayLater users to not only transact at Traveloka, but also on various leading e-commerce platforms. In addition, users can also enjoy various other benefits, such as an installment program of up to 12 months with low interest, as well as activating and deactivating features through the application, so that security aspects can be maintained. In presenting the Traveloka PayLater 'Virtual Card Number' with a safe and comfortable transaction experience, Traveloka collaborates with PT Bank Negara Indonesia (Persero) Tbk (BNI), which is one of the largest and most trusted State-Owned Enterprises (BUMN) financial institutions in Indonesia. 

Caesar Indra, the President of Traveloka, said that the presence of this innovative feature completes Traveloka's financial service product portfolio and strengthens the company's commitment to providing end-to-end solutions to meet the consumers’ lifestyle needs. “As a lifestyle super-app, we always observe industry developments and examine the gap between consumer needs and currently available products. This is what underlies us to launch the Traveloka PayLater 'Virtual Card Number' which is a breakthrough innovation that was first introduced in Southeast Asia. Traveloka PayLater 'Virtual Card Number' allows Traveloka PayLater users to maximize the use of their limit for purchasing products outside the Traveloka platform without having to create an additional credit card.”

Caesar also added that in addition to presenting various attractive offers to enjoy, users can also manage their use of Traveloka PayLater 'Virtual Card Number' through the application. “With the management feature through the application, users can easily monitor and control their Traveloka PayLater usage, so that users can manage their finances smartly and wisely. We hope that this feature will not only provide users with a safe and comfortable transaction experience, but will also contribute to driving the growth of national financial inclusion.”

As a Traveloka partner for Traveloka PayLater 'Virtual Card Number', BNI also expressed its support for this latest innovation from Traveloka. Virtual Card Number (VCN) is one of the newest features that can be used as an alternative to online transactions which is very easy to use. This feature provides convenience and security in conducting online transactions with a unique virtual card number as a substitute for the original credit card number that will be used," said BNI’s Consumer Business Director, Corina Leyla Karnalies.

According to Corina, there are many advantages of BNI's VCN that can be utilized by various companies or Corporate Partners. The advantages include, the use of VCN can be adjusted both in terms of transaction nominal, transaction frequency and the category of merchant that will be selected to conduct transactions. This feature allows its users to use a different Virtual Card Number in every online transaction they make. This of course can reduce the risk of fraud and abuse when the transaction takes place. Corina further explained the other advantages. VCN is published and sent electronically, free of charge, and in real time, so that it will provide a certain experience for its users, especially in terms of service speed starting from VCN submission to the process of using it which can be directly used to make transactions at online merchants.

"Last but not least, the use of VCN can provide security for Corporate Partners through real-time notifications that have been integrated with corporate partners’ emails. Corporate Partners can also access comprehensive transaction reports related to the use of VCN so that it can make it easier for them to carry out the reconciliation process. In the future, VCN will also be available to other PayLater service users,” added Corina.

Like a credit card, the Traveloka PayLater 'Virtual Card Number' feature is also equipped with a 16-digit number, card expiration date, and CVV (Card Verification Value) code, which can be used to make online transactions at a number of well-known e-commerce sites, such as Tokopedia, Shopee, Bukalapak, Lazada, JD.ID, and Blibli as well as other e-commerce partners that will continue to grow. Currently, the Traveloka PayLater 'Virtual Card Number' feature is available for a limited number of selected Traveloka PayLater users with a usage limit that adjusts to the user's Traveloka PayLater limit.
Selected Traveloka PayLater users who want to take advantage of this feature can activate it through the latest Traveloka application by following the steps below:

1.    Open the Traveloka PayLater account page
2.    Click 'Request Virtual Card Number'
3.    Read and observe the information regarding Traveloka PayLater ‘Virtual Card Number’
4.    Click ‘Request’ on the last page
5.    Enter the OTP code sent via SMS
6.    Click 'Activate' and the Traveloka PayLater 'Virtual Card Number' can be used

After the Traveloka PayLater 'Virtual Card Number' feature is active, users are advised to check the 16 digit number through the 'Get Number' option on the Traveloka PayLater account page, as well as find out the card expiration date and CVV code. To make transactions on the e-commerce platform, users can make payments using Traveloka PayLater 'Virtual Card Number' through the credit card category.

Currently, the Traveloka PayLater 'Virtual Card Number' feature can be enjoyed by Traveloka PayLater users. Traveloka users who do not have a Traveloka PayLater account but want to experience the convenience of transactions on various e-commerce platforms can register a Traveloka PayLater account first. With a registration time of less than 10 minutes, users only need to prepare an ID card as a supporting document and after the registration is approved, they can enjoy loan facilities ranging from Rp. 5,000,000.- to Rp. 50,000,000.-. Traveloka PayLater users can also check status, transaction history, set bill payment reminders, and others directly through the Traveloka application.

For more information, please visit, in the section 'Submitting Virtual Card Number' and 'Using Virtual Card Number'.

For more information, please contact:
BNI Corporate Secretary 
Phone: 021-5728387


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