All three of these products require API integration. With VA Aggregator, you can only process Receive Money transactions through Virtual Accounts (VAs). Similarly, with E-Wallet Aggregator, you can only process Receive Money transactions through E-Wallets. On the other hand, Payment Routing offers more payment options, including bank transfers, E-Wallets (except for OVO), QRIS, and debit/credit cards.

Additionally, you can add a money transfer feature after receiving payments. Due to these two reasons, it is highly recommended to integrate Payment Routing. However, if you need specific features not available in Payment Routing, such as open amounts for VA or the OVO E-Wallet, then it is recommended to use VA Aggregator or E-Wallet Aggregator.