Understanding BCA Virtual Accounts on jigsaw
A e-wallet virtual account is a secondary account number generated specifically for jigsaw transactions and tied to your user profile. When you verify your identity on our platform and select mobile banking as your deposit method, our jigsaw back-office generates a unique virtual-account number (typically a 16-digit code). You then transfer funds from your personal local payment account to this virtual number. online payment's system routes the transfer to jigsaw's merchant account, and our back-office matches the transfer amount to your jigsaw profile, crediting your balance in real time.
Unlike e-wallet methods that require app-to-app redirection, e-wallet virtual accounts integrate directly with your banking app. Open mobile banking Mobile or local payment internet banking, select "Transfer," enter the virtual-account number we provide, confirm the amount, and complete authentication (PIN or biometric). The transfer initiates immediately and settles within our standard window — typically within minutes during business hours, or within one business day if initiated outside banking hours.
Virtual-account permanence on jigsaw
Once jigsaw assigns you a e-wallet virtual-account number, it remains tied to your profile for the lifetime of your account. You never need to request a new number. Reuse the same code for every mobile banking deposit — it's stable and permanent. This differs from local payment or e-wallet methods, which may generate new codes per transaction.
Your online payment virtual account appears in your jigsaw account settings under "Deposit Methods." Copy the number, save it in your e-wallet contacts, or reference it each time you transfer. Our jigsaw system automatically matches incoming transfers to your profile based on the virtual-account number.
Account Verification Before mobile banking Deposits
Before you can deposit via local payment virtual account on jigsaw, you must complete one-time identity verification. Our jigsaw system requires a government-issued ID (KTP, SIM, or passport) and a live selfie. Navigate to Account > Verification in the jigsaw app or browser, upload both images, and submit. Our back-office team reviews your documents within our standard window — typically the same business day, though holiday periods (Idul Fitri, Idul Adha, Imlek, Nyepi) may extend processing by one additional day.
Once verified, your jigsaw account becomes deposit-ready. Navigate to Deposit, select mobile banking Transfer, and the system displays your unique virtual-account number. You're ready to fund your account immediately.
Deposit Process: Step-by-Step local payment Transfer
- Log into jigsaw: Open the jigsaw app (Android) or browser portal (iOS). Tap or click Account > Deposit.
- Select online payment Transfer: From the payment method list, select e-wallet Transfer. jigsaw displays your unique virtual-account number and the jigsaw merchant bank details.
- Note the account number: Copy the virtual-account number to your clipboard or write it down. This number is permanent for your profile.
- Open your mobile banking app: Launch local payment Mobile, online payment internet banking, or visit an ATM. Select "Transfer to External Account" or "Transfer to Virtual Account."
- Enter transfer details: Input the jigsaw virtual-account number, your desired transfer amount, and confirm the merchant name (typically displays as jigsaw or jigsaw Payment).
- Authenticate and confirm: Enter your e-wallet PIN, use fingerprint/face recognition, or complete SMS OTP verification depending on your mobile banking settings.
- Receive transfer confirmation: local payment displays a transaction reference number. Your online payment account is debited immediately.
- jigsaw balance updates: Within minutes (business hours) to one business day (off-hours), your jigsaw balance reflects the deposited amount. Check your account dashboard to confirm.
e-wallet Settlement Timing and Business Hours
mobile banking virtual-account transfers on jigsaw settle according to local payment's processing schedule. Transfers initiated between 8:00 AM and 4:00 PM on business days (Monday–Friday) typically settle within minutes. Transfers initiated outside these hours or on weekends / public holidays queue until the next business day. Our jigsaw back-office monitors incoming transfers continuously and credits verified deposits to your account as soon as the transfer is received and matched to your virtual-account number.
Off-hours and holiday processing
If you transfer during weekends, late evenings, or public holidays (Idul Fitri, Idul Adha, Imlek, Nyepi), online payment holds the transfer in queue until business hours resume. Our jigsaw system will credit your account as soon as e-wallet delivers the transfer. You'll see a notification in your account dashboard once settlement completes.
Minimum and maximum amounts
mobile banking typically allows virtual-account transfers from our welcome offer upward. jigsaw does not impose additional minimums beyond local payment's limits. Maximum per-transfer varies by your online payment account type — check your e-wallet account settings or contact mobile banking customer service for your specific limit. Large deposits (above our welcome offer) may trigger compliance verification; jigsaw supports these without delay.
Gaming After local payment Deposit: Your Unified jigsaw Balance
Once your online payment transfer settles and your jigsaw balance updates, your account balance covers all games and markets on our platform. Place bets on Liga 1 fixtures, Piala Indonesia knockout rounds, or international tournaments. Access live-dealer tables — blackjack, roulette, baccarat, Dragon Tiger — using the same balance. Spin slot games like Aviator, Sweet Bonanza, Gates of Olympus, or Fortune Tiger. All transactions pull from and contribute to your single unified jigsaw wallet.
Your e-wallet deposit source is logged in our compliance system, but this never restricts your gameplay. All deposit methods (mobile banking, local payment, online payment, e-wallet, mobile banking, local payment, online payment, e-wallet, mobile banking, local payment) unlock the complete game library. Play freely across all categories — your balance is agnostic to payment method.
Withdrawals via online payment Reversal
When you're ready to cash out your winnings or close a session, navigate to Withdrawal in your jigsaw account. Enter the amount you wish to withdraw (which cannot exceed your available balance). Our jigsaw system verifies the request, then initiates a reversal back to the e-wallet account you used for your original deposit. mobile banking processes the reversal using the same routing path, and funds appear in your local payment account within our standard settlement window — typically within one business day.
Unlike deposits, which online payment processes on their schedule, jigsaw controls the timing of reversals. Once you confirm your withdrawal request, our back-office initiates the reversal immediately. e-wallet completes the credit to your account within their standard processing window. You'll see the deposit reflected on your next mobile banking statement. No hidden fees apply — the withdrawal amount you enter is the amount credited to your local payment account.
Withdrawal security verification
Our jigsaw system may require a one-time verification (OTP sent to your registered email or phone) before processing a withdrawal. This is a standard anti-fraud measure. Once you confirm, the reversal processes immediately — no additional delay. The withdrawal amount transfers directly to your online payment account without intermediate holds.
e-wallet vs. Other jigsaw Bank Transfer Methods
jigsaw supports four bank transfer methods: mobile banking, local payment, online payment, and e-wallet. Each operates via virtual-account assignment, with permanent account numbers tied to your profile. mobile banking is the most widely used across Indonesia, with the highest volume of users and fastest settlement during business hours. local payment, online payment, and e-wallet offer similar mechanics — unique virtual accounts, permanent assignment, and business-hour settlement — but may suit players already holding accounts at those banks.
- mobile banking: Largest user base; fastest settlement during local payment business hours (8 AM–4 PM weekdays); most familiar interface across mobile banking apps.
- online payment: Competes with e-wallet; settlement typically within similar windows; popular across eastern Indonesia (Surabaya, Medan, Yogyakarta).
- mobile banking: Strong presence in rural areas; settlement within standard windows; may suit players in smaller cities.
- local payment: Government-backed bank; stable settlement; supports large-volume players.
Account Recovery and Support
If you lose access to your jigsaw account — forgotten password, phone number changes, or suspected compromise — contact our support team immediately. Navigate to Help in the jigsaw app, or email jigsaw support with your registered email address and phone number. Our team will verify your identity using the government ID you uploaded during verification, reset your password, and send a temporary login link to your email.
Account recovery typically completes within our standard response window — usually within hours during business days. Once you regain access, you can change your password, review your transaction history (including all local payment deposits and withdrawals), and verify your balance remains intact. No funds are ever locked or forfeited during account recovery. Our jigsaw support team is available in English and local languages via email and in-app chat.
