<![CDATA[The money transfer system in Indonesia has developed rapidly along with the development of technology, which used to be only sent by post but now it has taken place online. One of the popular money transfer systems is using a virtual account, a virtual account (VA) is a virtual or non-real account account that is used to receive payments. In addition to meeting the needs of transactions that customers are interested in, virtual accounts offer several advantages that can help businesses grow faster and more efficiently, Currently, the ability of BPR Niaga is still relatively small in the midst of the national banking industry, so various steps need to be taken to improve the ability of BPR Niaga to develop its business through expanding its reach, especially this virtual account transaction feature, this research aims to implement Host to Host BCA to be able to serve virtual account transactions carried out by BPR Niaga customers, so that BPR Niaga customers can make deposits on-line anywhere through channels owned by BCA bank, the development stage of this research is by the analysis stage method, where the message format sent by BCA is JSON data while BPR Niaga accepts ISO8583 data format and implementation. The resulting system can be used to send json messages into iso8583 format, by following the steps of several transaction features, namely inquiry and payment. This virtual account system testing technique uses the normal positive transaction method and normal negative transactions, conducted by BCA bank]]>
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