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Journal articles on the topic 'Online Payment Payment gateway'
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Habibullah, Yusril, Aris Sudianto, and Bq Andriska Candra Permana. "Aplikasi Toko Online dengan Penerapan Sistem Payment Gateway untuk Transaksi Pembayaran Berbasis Web." Jurnal PRINTER: Jurnal Pengembangan Rekayasa Informatika dan Komputer 1, no. 2 (2023): 103–17. https://doi.org/10.29408/jprinter.v1i2.22122.
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The development of information technology and the internet has changed consumers’ behavior in buying and selling transactions. This causes the online buying and selling business to grow rapidly. We can find this online buying and selling activity in various media such as social media platforms and online shop websites. However, most of the payment systems are though bank transfer system and then confirmation of proof of payment, which is arguably not safe and efficient. This is impractical and vulnerable from a security point of view, especially if payments are made online. Therefore, this study aims to design a web-based online store application by implementing a payment gateway system for safer and more efficient payment transactions. The method used in this study is the waterfall method with the stages of needs analysis, design, implementation, testing and maintenance. The result of this study is the design of an online store application that has been equipped with online payment services using the Midtrans payment gateway. This system provides transaction security for customers and can make it easier for buyers to make online payments when placing orders for products because with the payment gateway system, there are more choices of payment methods, including credit cards, bank transfers, electronic wallets (GoPay), or Indomaret and Alfamart, and many more. In addition, this research is also expected to contribute to online buying and selling businesses, especially the development of better online shop applications and provide inspiration for the public to start innovate in promoting their business products.
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Sudianto, Aris, Baiq Andriska Candra Permana, Muhammad Wasil, and Harianto. "Penerapan Sistem Payment Gateway Pada E-Commerce Sebagai Upaya Peningkatan Penjualan." Infotek: Jurnal Informatika dan Teknologi 8, no. 1 (2025): 271–79. https://doi.org/10.29408/jit.v8i1.28323.
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The development of information technology and the internet has changed consumers’ behavior in buying and selling transactions. This causes the online buying and selling business to grow rapidly. We can find this online buying and selling activity in various media such as social media platforms and online shop websites. However, most of the payment systems are though bank transfer system and then confirmation of proof of payment, which is arguably not safe and efficient. This is impractical and vulnerable from a security point of view, especially if payments are made online. Therefore, this study aims to design a web-based online store application by implementing a payment gateway system for safer and more efficient payment transactions. The method used in this study is the waterfall method with the stages of needs analysis, design, implementation, testing and maintenance. The result of this study is the design of an online store application that has been equipped with online payment services using the Midtrans payment gateway. This system provides transaction security for customers and can make it easier for buyers to make online payments when placing orders for products because with the payment gateway system, there are more choices of payment methods, including credit cards, bank transfers, electronic wallets (GoPay), or Indomaret and Alfamart, and many more. In addition, this research is also expected to contribute to online buying and selling businesses, especially the development of better online shop applications and provide inspiration for the public to start innovate in promoting their business products.
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Pranatawijaya, Viktor Handrianus, and Hendra Yulianto. "Penerapan API (Application Programming Interface) MIDTRANS Sebagai Payment Gateway Pada Indekos Berbasis Website." Journal of Information Technology and Computer Science 2, no. 4 (2022): 254–62. http://dx.doi.org/10.47111/jointecoms.v2i4.8877.
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In the Big Indonesian Dictionary (KBBI), boarding house is staying at someone else's house with or without food (by paying monthly). The emergence of new technologies in the industrial revolution will fundamentally change the way people work and live. In the industrial era 4.0, internet technology facilitates communication between humans and humans with machines that are no longer limited by space and time. One technology that is a key aspect of competitiveness in the industrial era 4.0, namely financial technology (fintech), especially in the online payment gateway sector (payment gateway) which, if applied to the boarding house business, will be very helpful in making the rental payment process more efficient and practical. compared to conventional payments. The research methodology used in implementing the Midtrans API (Application Programming Interface) as a Payment Gateway in this website-based boarding house is the waterfall method. In this methodology, several steps are taken to build software, namely: Analysis, Design, Coding, Testing and Maintenance. Testing this website using Blackbox testing. As a result of implementing a payment gateway using the Midtrans API, now boarding house payments can be made online via bank transfer or e-wallet in real time without the need to confirm payments manually again.
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Jafarian, Yazdan, and Farshid Abdi. "Structural Model of Tendency to Use Online Payment Gateway in Online Shopping and Customer Knowledge Management (Case Study: Pasargad Bank)." Modern Applied Science 10, no. 10 (2016): 1. http://dx.doi.org/10.5539/mas.v10n10p1.
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Tendency to use online payment gateway in online is influenced by individual characteristics such as risk-taking, internet knowledge, online payment knowledge and risk of customer knowledge management tools used in payment gateway and in this study, these factors have been studied simultaneously in form of a model. In online payment, payment gateways are repeated contact point between service institutions such as banks and their customers that institutions can use this opportunity to attract new customers or increase royal customers. In addition to individual characteristics, customers are facing different tools of knowledge management such as shared databases, document repositories and work applications and these tools can have different effects on risk perception and their willingness to do online shopping using internet payment gateways. In this study, structural equation partial least squares statistical method was used. Also questionnaire was used to collect data in the given population, because customer’s members of the Pasargad bank were accustomed online shopping.In summary, risk-taking has negative and significant impact on the risk is perceived of knowledge management tools and internet knowledge was not known as a factor which have a significant negative impact on the perceived risk, but the impact of internet knowledge on preference to use online payment and online payment rather tendency to use internet payment gateway in online shopping was positive and significant. Also, the perceived risk of customer knowledge management tools has negative and significant correlation with tendency to buy using online payment in online shopping by users. On the other hand, the final conclusions of the research carried out in more detail and also practical suggestions for increasing the effectiveness of managers to use knowledge management tools in the payment gateway are presented.
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Aditya, Mulyadi, and Daning Nur Sulistyowati. "WEB-BASED SPP PAYMENT INFORMATION SYSTEM WITH MIDTRANS PAYMENT GATEWAY." Jurnal Sistem Informasi dan Ilmu Komputer Prima(JUSIKOM PRIMA) 6, no. 2 (2023): 23–27. http://dx.doi.org/10.34012/jurnalsisteminformasidanilmukomputer.v6i2.2942.
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ABSTRACT- The tuition payment system at Taufiq Islamic Middle School is still manually using ledger media in transaction activities and data recap. The system still needs to be revised and is prone to errors in calculating incoming payments and reporting payment data. This research was conducted to facilitate the school in the payment management process so that the recording error rate no longer occurs. The system development method used in this study is the Waterfall model and uses the Midtrans payment gateway in the online payment process. The results of this study are in the form of a tuition payment website that can facilitate all parties, both the school and students. This system makes the payment and recording process better and more efficient. Keywords: information system, waterfall, payment gateway, Midtrans.
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Rais Rabtsani, Muhamad, Agung Triayudi, and Gatot Soepriyono. "Combination of AES (Advanced Encryption Standard) and SHA256 Algorithms for Data Security in Bill Payment Applications." SAGA: Journal of Technology and Information System 2, no. 1 (2024): 175–89. http://dx.doi.org/10.58905/saga.v2i1.250.
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In the era of information technology development, digital payments and e-payments are becoming a dominant trend, supported by the crucial role of payment gateways such as Midtrans. Midtrans uses APIs to facilitate various online transactions, including debit cards. In this research, two cryptographic algorithms will be combined, namely Advance Encryption Standard (AES) with 256 bits and Secure Hash Algorithm (SHA) with 256 bits. The importance of data security in e-payments is recognized, with the application of cryptographic algorithms to protect sensitive transaction information. Yayasan Antero Prosesi Edukasi (YAPE) as an educational marketing consultant faced the challenge of time-consuming and inefficient manual payments. In an effort towards efficiency and security, YAPE plans to develop an online payment application with Midtrans Payment Gateway and the use of AES-256 and SHA-256 cryptographic algorithms. This step is expected to help the foundation keep up with technological developments, provide ease of payment, and achieve computerized efficiency. The results showed that the use of a combination of AES 256 bit and SHA256 encryption significantly increased security, making hacking attempts ineffective because encrypted data could not be accessed, with quite complicated calculation stages.
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Kyaw, Zay Oo. "Design and Implementation of Electronic Payment Gateway for Secure Online Payment System." International Journal of Trend in Scientific Research and Development 3, no. 5 (2019): 1329–34. https://doi.org/10.5281/zenodo.3590719.
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In e commerce, main problem is to be more secure for payment systems and disputation between online merchant and customer. To solve this problem, this paper presents design and implementation of Electronics Payment Gateway for online payment system. In this system, a customer's financial information credit or debit card information is sent directly to a Payment Gateway also called Trusted Third Party, TTP instead of sending it through an online merchant. The Payment Gateway can support more secure for online payment system. In this system, Secure Socket Layer SSL with Rivest-Shamir-Adleman RSA is used to enhance more secure connection in payment process. In secure online payment system, end to end encryption is required to maintain the integrity of transactions carried out online. RSA is more secure because its factors are large integers and key size is large, which increases the security. The electronic payment gateway provides the confidentiality by using RSA for online payment transactions and trusted third party to recover the disputation between online merchant and customer. Kyaw Zay Oo "Design and Implementation of Electronic Payment Gateway for Secure Online Payment System" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-3 | Issue-5 , August 2019, URL: https://www.ijtsrd.com/papers/ijtsrd26635.pdf
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Hakim, Lukman, Galuh Nuril Lathifah, and Nanda Zaqia Oktavi. "Payment Gateway Implementation on Pandansili Tourism, Bareng, Jombang." Darmabakti : Jurnal Pengabdian dan Pemberdayaan Masyarakat 4, no. 1 (2023): 122–30. http://dx.doi.org/10.31102/darmabakti.2023.4.1.121-129.
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Pandansili is one of the many tourism villages in Jombang district, located in the village of Ngampungan, Bareng sub-district. In all this time, the payment method is still done manually. To make it easier, so that there are no queues and to reduce direct interactions during the Pandemic, an effective and efficient payment system is needed. From these considerations above, IAIN Kediri took the initiative to design a ticket purchase service system by utilizing a payment gateway, using a marketplace payment method. The development method used in this service is socialization and training which is carried out in a participatory manner with the residents and Pandansili crew. The result of this activity is the QRIS account to facilitate an online payments. Although its use has not been optimal, the crew has recognized its benefits to gradually improve.
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Phoa, Maxine Olexa, Ridwan Sanjaya, and Andre Kurniawan Pamudji. "Integration of Financial Technology and Delivery Services on Digital Restaurant Menu in Bubur Tangki 18 Wawah Semarang Restaurant." Journal of Business and Technology 5, no. 1 (2025): 34–40. https://doi.org/10.24167/jbt.v5i1.11809.
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The COVID-19 pandemic has transformed the restaurant business landscape worldwide, prompting the adoption of digital technology to enhance service and operational efficiency. This research explores the integration of financial technology and delivery services into the digital menu of a restaurant in Semarang, Indonesia, focusing on Bubur Tangki 18 Wawah Semarang. The aim of this study is to integrate payment mechanisms through financial technology with the Midtrans payment gateway to improve the functionality of the digital menu at RM Bubur Tangki 18 Wawah Semarang and to integrate GoSend and Grab Delivery courier services into the digital menu of Bubur Tangki 18 Wawah Semarang. The Waterfall development method is used to organize the development process, while qualitative testing involves restaurant owners and representative employees. This research finds that integrating digital payments through the Midtrans payment gateway helps expedite transactions and reduce errors in financial calculations, enhancing restaurant operational efficiency. Midtrans provides various digital payment methods, including e-wallets, card payments, and bank transfers. Meanwhile, integrating delivery services into the digital menu facilitates the online ordering process, expands customer reach, and enhances transaction convenience.
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Thanapal, Karthikeya, Dhiraj Mehta, Karthik Mudaliar, and Bushra Shaikh. "Online Payment Using Blockchain." ITM Web of Conferences 32 (2020): 03007. http://dx.doi.org/10.1051/itmconf/20203203007.
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Increasing list of records is with blockchain where each record is linked with the help of cryptography. Every block in the chain contains timestamp, transaction details and hash of a previous block, hash is cryptographic hash. This is a secured system, which we plan to replace the current online payment system. A current online payment gateway is prone to hackers where the attacker can tamper into the network, thus creating money loss. And not only this but also the transaction has to go through multiple payment systems which consumes time, also creating a risk of transaction getting failed. So, our system would be using blockchain that allows online transactions which would allow online payments to be sent directly from one party to another without going through a financial institution and in a secured way. This system allows online transactions between two parties based on cryptographic proof without relying and trusting for a third party. To record transactions, we use proof of work algorithm which makes computationally impractical for an attacker to change. Digital signatures provide part of the solution for ensuring the security and integrity of the data that is recorded onto a blockchain.
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Saputra, Beni, and Alex Fahrur Riza. "Adopsi Payment Gateaway Syariah: Peran Pengetahuan Riba Sebagai Moderasi." Journal of Business Management and Islamic Banking 2, no. 1 (2023): 01–16. http://dx.doi.org/10.14421/jbmib.2023.021-01.
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ABSTRACT Research Aims: This research aims to determine the adoption of Sharia Fintech services in the field of payment gateways using the UTAUT model with modifications to add knowledge of riba as a moderation variable. Design/methodology/approach: This research used an online survey method. The population this research are all users of Sharia payment gateway services. The sampling using the purposive sampling method with a total sample of 116 respondents. The analysis technique used is SEM-PLS using Smart PLS 3.3.3 software. Research Findings: The results of this research presented that Social Influence and Facilitating Condition have an effect in determining interest in using Sharia payment gateway services. Performance expectancy and effort expectancy have no effect on the interest in using Sharia payment gateway services. Meanwhile, in this research only in Effort Expectancy moderated by Knowledge About Riba.
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Julio, Erry, and Magdalena A. Ineke Pakereng. "Implementasi API Payment Gateway Menggunakan Arsitektur Microservice." Jurnal Informatika 8, no. 2 (2021): 123–30. http://dx.doi.org/10.31294/ji.v8i2.10590.
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Untuk melakukan integrasi pembayaran online, PT. Emporia Digital Raya perlu membuat aplikasi Payment Gateway yang dapat meneruskan pembayaran ke bank tujuan. Arsitektur microservice dapat diterapkan untuk mengatasi masalah yang ada pada arsitektur monolithic dimana pengembangan aplikasi dilakukan dalam bentuk web service kecil yang saling berkomunikasi satu dengan yang lain. Dengan menggunakan konsep routing, payment gateway memiliki tanggung jawab seperti router dimana payment gateway berperan mencari rute ke bank mana data akan dikirimkan. Payment gateway akan memproses request dan membaca fields beneficiaryBankCode untuk menacari rute. Jika bank tujuan tidak ditemukan maka payment gateway akan menjalankan query dan mencari rute berdasarkan prioritas yang telah ditentukan oleh PT. Emporia Digital Raya.
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Nursansiwi, Dwi Arini, and Armiani Armiani. "Peran Strategi Bisnis Fintech Payment Gateway dalam Meningkatkan Kinerja UMKM di NTB." Owner 7, no. 1 (2022): 367–78. http://dx.doi.org/10.33395/owner.v7i1.1219.
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Presidency Group of Twenty (G20) strengthen the acceleration of the digital transformation agenda, in line with the government's goal of national economic recovery after the Covid-19 pandemic. MSME actors are required to adapt in order to be able to be competitive in improving company performance for the sake of business sustainability. This study aims to identify fintech payment gateway becoming a business strategy in improving the performance of MSMEs in NTB. The method approach adopted in this study is qualitative with a case study description. Data were obtained through observation and interviews with 12 (twelve) informants, with the criteria; 1). MSME actors who use the application fintech, 2). Doing business online, 3). The payment system uses payment gateways, 4). MSME in NTB. The results of the study indicate that business transactions on line become a business strategy for MSME actors to improve MSME performance and business sustainability. This is because the payment system using payment gateway can transact easily, quickly, precisely, efficiently, effectively, so that actors can provide excellent service to their consumers, this is also supported and in line with the pleasures of consumers from the millennial generation and generation Z, which are dominant in transactions using fintech and saving money using E-wallet, so that consumers prefer to transact online on line with a payment system using payment gateway.
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Harikrishnan, A. V. "A Study on Customer Preferences towards UPI Payments Over Cash with Special Reference to Chennai City." Journal of Development Economics and Management Research Studies 10, no. 16 (2023): 234–40. http://dx.doi.org/10.53422/jdms.2023.101630.
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The study aims at finding the preferences of customers on UPI payments over cash. The UPI or Unified Payment Interface is a digital payment system gateway that allows customers to transfer money from one bank account to another using smartphone and internet connectivity. Due to its ease and security features, UPI payments have recently experienced enormous growth in popularity in India. This study tries to comprehend the variables influencing consumer preference for UPI payments over cash and the preference for various UPI service providers available in the market and the factors influencing it. The questionnaire has a Likert five-point scaling to understand the level of difficulties and satisfaction. The results of this study are based on the responses from 150 individuals on an online survey. The technological revolution has seen a massive change in payment systems and has resulted in a plethora of options for making payments whenever needs. The Unified Payments Interface helps faster growth among the smaller and medium enterprises
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S, Muhammad Ikhsan, Erliyan Redy Susanto, Ajeng Savitri Puspaningrum, and Neneng Neneng. "Analisis Pemilihan Payment Gateway Menggunakan Metode Simple Additive Weighting (SAW)." Journal of Computer System and Informatics (JoSYC) 6, no. 1 (2024): 448–55. https://doi.org/10.47065/josyc.v6i1.6099.
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This research discusses the analysis of payment gateway selection using the Simple Additive Weighting (SAW) method. The criteria considered in this study include transaction costs, transaction speed, transaction security, and service availability. The objective of this research is to assist business owners and individuals in choosing the appropriate payment gateway based on their needs. The use of the SAW method enables a relative assessment of predefined criteria for each considered payment gateway. The results show that Finpay is the top choice of payment gateway, followed by Winpay and IPaymu. This study aims to serve as a practical guide for online businesses in improving performance and customer satisfaction through the optimal use of a payment gateway.
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Habibah, Sintiya Ummi, and Kharis Fadlullah Hana. "Dinamika Perilaku Keuangan Dalam Penggunaan Fintech Payment Pada Masyarakat Muslim di Kudus." JEBISKU: Jurnal Ekonomi dan Bisnis Islam IAIN Kudus 1, no. 3 (2023): 380. https://doi.org/10.21043/jebisku.v1i3.868.
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AbstractTechnological developments in several fields are currently starting to move towards digitalization, one of which is in the financial sector. Many people now carry out their transaction activities online, including their payments. This gave rise to a new term in the field of finance which is commonly called fintech (financial technology). Fintech consists of several types, but in this study it only focuses on types of fintech payments. Those included in fintech payments are payment gateways, e-wallets, e-money, and paylaters. The emergence of various online payment services certainly has an impact on individual life, especially on their financial behavior. Each individual has different financial behavior in responding to and utilizing the existence of this fintech payment. This study aims to determine the financial behavior of the Muslim community in Kudus and the impact of using fintech payments on the financial behavior of the Muslim community in Kudus. This research is a type of field research that uses a qualitative approach. The subject of this research is the Muslim community in Kudus who use fintech payment services in their daily lives. Data collection techniques in this study were carried out by means of interviews, observation, and documentation. The results of this study indicate that first, the financial behavior of the Muslim community in Kudus can be categorized under the criteria of healthy and responsible financial behavior. Second, the use of fintech payments has a positive impact on the financial behavior of the Muslim community in Kudus and results have been found that in using fintech payments, the Muslim community in Kudus is more inclined towards consumption behavior and mental accounting.Keywords: Financial behavior, fintech payment, muslim community AbstrakPerkembangan teknologi di beberapa bidang saat ini mulai beralih ke arah digitalisasi, salah satunya di bidang keuangan. Banyak masyarakat kini melakukan kegiatan transaksinya secara online termasuk dalam pembayarannya. Hal ini memunculkan istilah baru dalam bidang keuangan yang biasa disebut fintech (financial technology). Fintech terdiri dari beberapa jenis, namun dalam penelitian ini hanya fokus pada jenis fintech payment. Adapun yang termasuk dalam fintech payment yaitu payment gateway, e-wallet, e-money, dan paylater. Munculnya berbagai layanan pembayaran online ini tentu memberi dampak pada kehidupan individu terutama pada perilaku keuangannya. Setiap individu satu dengan yang lain memiliki perilaku keuangan yang berbeda dalam menyikapi dan memanfaatkan adanya fintech payment tersebut. Penelitian ini bertujuan untuk mengetahui perilaku keuangan masyarakat muslim di Kudus serta dampak penggunaan fintech payment pada perilaku keuangan masyarakat muslim di Kudus. Penelitian ini termasuk jenis penelitian lapangan yang menggunakan pendekatan dengan metode kualitatif. Adapun subjek dari penelitian ini yaitu masyarakat muslim di Kudus yang menggunakan layanan fintech payment di kehidupan sehari-hari. Teknik pengumpulan data dalam penelitian ini dilakukan dengan cara wawancara, observasi, dan dokumentasi. Hasil penelitian ini menunjukkan bahwa pertama, perilaku keuangan masyarakat muslim di Kudus dapat dikategorikan dalam kriteria perilaku keuangan yang sehat dan bertanggungjawab. Kedua, penggunaan fintech payment memberikan dampak yang positif pada perilaku keuangan masyarakat muslim di Kudus serta ditemukan hasil bahwa dalam penggunaan fintech payment, masyarakat muslim di Kudus lebih condong pada perilaku consumption dan mental accounting.Kata Kunci: Perilaku keuangan, fintech payment, masyarakat muslim
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Belal, Ayyoub, Zahran Bilal, A. Nisirat Mahdi, M. S. Al-Taweel Farouq, and Al Khawaldah Mohammad. "A proposed cloud-based billers hub using secured e-payments system." TELKOMNIKA Telecommunication, Computing, Electronics and Control 19, no. 1 (2021): pp. 339~348. https://doi.org/10.12928/TELKOMNIKA.v19i1.15879.
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Automation of several payment processes from start to end is a challenging task, particularly when multiple payments from online and offline billers are involved. In this paper, we introduced a new aggregator system to combine all billing system types, in which it is possible to pay invoices electronically. The proposed aggregator system was designed to be employed in a cloud-based billers hub (CBBH) developed by the central banks. Furthermore, many applications can be realized such as; deposit e-money, withdrawal e-money, and other applications. A Gateway translator is used to apply authentication rules, security, and privacy. The proposed system was employed in the Jordanian payment gateway and successfully fulfills its purpose.
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Isanawikrama, Edwin Djoyo Hutomo, Iwan Irawan, and dan Glory Aguzman. "Effect of Payment Gateways towards Online Shopping Behavior in SME in Indonesia." E3S Web of Conferences 426 (2023): 02018. http://dx.doi.org/10.1051/e3sconf/202342602018.
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This study aims to examine the relationship between trust, types of payment methods, perceived usefulness, and convenience to the people’s purchase intention and whether that affect people’s online shopping behavior in SMEs in Indonesia—types of payment methods. Data were collected from 205 respondents in Indonesia using purposive sampling. Path Analysis was used in this study, and the results showed that Perceived Usefulness has a strong, unidirectional positive influence and significant effects on the Purchase Intention of payment gateway users but is not significant to Online Shopping Behavior. Convenience variables have a strong, unidirectional positive influence and significantly affect Purchase Intention and Online Shopping Behavior of payment gateway users in Indonesia.
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Laksono, Muhammad Agung, Irwan Alnarus Kautsar, and Hamzah Setiawan. "Implementasi Payment Gateway pada Platform Freelance Digital Menggunakan Rest API." SMATIKA JURNAL 14, no. 01 (2024): 135–45. http://dx.doi.org/10.32664/smatika.v14i01.1227.
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Pada era digital yang terus berkembang, penggunaan payment gateway telah menjadi unsur penting dalam transaksi bisnis online. Payment gateway adalah teknologi atau layanan yang memungkinkan perusahaan atau instansi dan aplikasi untuk menerima pembayaran elektronik atau metode pembayaran digital lainnya. Penelitian ini menggunakan pendekatan Agile Development untuk mengimplementasikan payment gateway pada platform freelance digital. Agile Development dipilih karena fleksibilitas dan pendekatannya yang iteratif, memungkinkan penyesuaian cepat terhadap kebutuhan yang berubah. Kesimpulannya payment gateway pada platform freelance ini sudah berjalan dengan cukup baik, pada platform freelance ini sudah dilakukan pengujian dengan keterangan hasil pengujian sukses dan juga hasil prosentase sebesar 87%. Hasil penelitian ini menunjukkan bahwa integrasi payment gateway melalui REST API tidak hanya meningkatkan efisiensi operasional platform freelance, tetapi juga memperkuat kepercayaan pengguna terhadap sistem pembayaran digital, sehingga dapat mendukung pertumbuhan dan keberlanjutan bisnis platform freelance tersebut.
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Oruganti, Ramkrishna, Saurabh Shah, Yohan Pavri, Neelansh Prasad, and Prathamesh Churi. "JSSecure: A Secured Encryption Strategy for Payment Gateways in E-Commerce." Circulation in Computer Science 2, no. 5 (2017): 13–17. http://dx.doi.org/10.22632/ccs-2017-252-17.
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JSSecure is a framework for online payment systems over e-commerce websites. Payments made online using debit/credit cards have become familiar, and the users are shifting to a higher comfort level with this method of payment. Nowadays for any online transactions, a payment gateway is used which is a service that is provided by an e-commerce or by any bank that authorizes the details of the user for the secure transaction. This paper presents a frame format of JSSecure. For any transaction, there has to be a way in which the user details needs to be protected. Cryptography is one of the methods which is used for converting the information from its standard form to encrypted form or unreadable for the attackers. Using JSSecure, each user detail is encrypted individually to provide extra security against attackers. There are umpteen number of payment gateway methods like 3D Secure, SET, and MSET Protocols. Various algorithms help user securely enter his/her card details, some of them are Jumbling Salting (JS), Data Encryption Standard (DES), Advanced Encryption Standard (AES), etc. which are used for the encrypting the details securely. All these algorithms are symmetric key. JSSecure uses double encryption strategy for more security. We will be providing a fair comparison of Data Encryption Standard (DES), Advanced Encryption Standard (AES) and Jumbling Salting (JS) algorithms. Since our major concern here is the performance of algorithms under different conditions, we will be comparing on the basis of speed, block size, and key size on the encryption time, decryption time, throughput and size of cipher text. This analysis will help in implementing the best-suited algorithm for the proposed payment gateway. It will be open source and hence it will be more cost efficient.
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Shadlou, Saeed, Ng Jie Kai, and Abdolreza Hajmoosaei. "Online Payment via PayPal API Case Study Event Registration Management System (ERMS)." International Journal of Web Portals 3, no. 2 (2011): 30–37. http://dx.doi.org/10.4018/jwp.2011040104.
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PayPal is an international payment gateway allowing businesses and individuals to transfer funds in a secure manner over the Internet. Using PayPal to accept payments has several advantages for online merchants. It is a recognized brand when it comes to Business to Consumer (B2C) transactions, creating a business account with PayPal is easier and faster, and finally, PayPal lends its name to the transaction, so customers may feel more comfortable entering into a transaction with a previously unknown merchant. Besides the mentioned advantages, PayPal’s transaction dispute system requires a tracking number from a shipped package to respond to a customer dispute. If the product is purely electronic (a download or access to a site, for example), one’s response to disputes will be quite limited. The solution for the problem mentioned above is PayPal API. The PayPal API resolves Pay Pal drawback through maintaining card and bank account payment schedules without the liability of warehousing payment data also processing one-time and recurring payments. For the evaluation of Pay Pal API, the authors develop an Event Registration Management System (ERMS). ERMS serves as a platform for users to make registrations for events such as conferences, seminars, and workshops.
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S, Ramseena. "Analysis of Benefits of E Payment System to Customers in a Pandemic Situation with Special Reference to Alappuzha." International Journal for Research in Applied Science and Engineering Technology 10, no. 6 (2022): 1208–14. http://dx.doi.org/10.22214/ijraset.2022.44005.
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Abstract: The world has been moving towards all things electronically. It happened with the lockdown coming into effect, especially for electronic payments in India. So this research is to study the benefits of e-payment to customers and the major problems faced by them. The objective of the present study was accomplished by conducting a descriptive research. In this study both primary and secondary data was used.The approach adopted in the study is survey approach. The main techniques used for this study is questionnaire. In this study sample unit is commoners who use online payment. The samplingarea is restricted to Alappuzha district. The data collected for this study was analysed using simple percentage analysis. It found that most of them prefer online payment because of the various benefit it offers. Majority of them use Google pay as their payment platform and mobilebanking as their payment gateway. It found that the major factors which backed them from opting online payment were security, privacy, theft and fraud. When the respondents were asked about their internet access only a least of them had no access, rest have internet access either at home or at work place. In order to improve security most of them suggested to turn two factor Authentication. Key words: E Payment, COVID 19, Google pay, Internet
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D., U. Ashishie, O. Ugah J., and O.B.Ogunfeyimi. "The Imperative of Online Payment System in Developing Countries." International Journal of Innovative Science and Research Technology 7, no. 1 (2022): 449–55. https://doi.org/10.5281/zenodo.5923292.
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This paper takes a critical review of online payment systems and their importance in the economies of developing countries. The significance of online payment systems in the present scheme of things cannot be over-emphasized. Online payment systems are a crucial component in the overall development of the economies of developing countries. The way payments are made are increasingly been reshaped by growing demand for digital payment methods coupled with improvements in technology. In recent times, the conventional market is gradually been replaced by Electronic Commerce, also referred to as E-commerce and without gainsaying, it now ranked highest among the services that stems from the World Wide Web. It’s reasoned that the scope and volume of trade the world over is been rapidly expanded by the development and integration of online payments to e-commerce, which in turn is closing up the barriers once encountered in payment for goods and services in the conventional market ecosystem. The framework of ecommerce in developing countries has indeed been boosted and strengthened by the implementation of online payment systems. The advent of the Covid-19 pandemic which has restricted human physical contact in recent times has posed great changes on how consumers purchase goods and services with respect to the available payment options associated with such transactions. The overall aim of this paper is to carry-out a critical review of the Online Payment Systems and their classifications; highlighting the various payment gateways, challenges of online payment, the numerous benefits and the need to integrate online payment systems to boost the development of the economies of developing countries. It equally examined the future trends in online payment systems.
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Damanik, Erikson. "Perancangan Sistem Informasi Pembayaran Online Menggunakan Payment Gateway." Jurnal SIFO Mikroskil 13, no. 1 (2012): 63–72. http://dx.doi.org/10.55601/jsm.v13i1.47.
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Transaksi elektronik menguntungkan karena dapat mengurangi biaya transaksi bisnis dan dapat memperbaiki kualitas pelayanan kepada pelanggan. Walaupun demikian, sering sekali layanan yang ditawarkan melalui media elektronik mudah sekali disalahgunakan oleh pihak ?¢â?¬â?? pihak yang tidak bertanggung jawab. Seperti halnya pada saat terjadi komunikasi yang melibatkan jumlah potongan yang harus dilakukan oleh akun bank tertentu dan penambahan nilai uang pada akun yang lain. Untuk menangani masalah tersebut, salah satunya adalah protokol SSL (Secure Socket Layer) dimana merupakan salah satu protokol untuk berkomunikasi melalui internet, yang artinya SSL berisi aturan untuk menjamin komunikasi yang terjadi aman. Untuk mengimplementasikan SSL tersebut, penulis merancang website payment gateway yang nantinya dapat berguna untuk mendeskripsikan informasi pembayaran dan membandingkan nilai hash yang dikirimkan penjual. Sehingga dengan adanya website payment gateway ini maka pihak customer dan merchant bisa mengetahui bagaimana sebenarnya komunikasi e-commerce berjalan di internet.
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Renaldi, Muhammad, Henny Henny, and Alfin Thomas. "PENERAPAN PAYMET GATEWAY SEBAGAI SISTEM VERIFIKASI PEMBAYARAN PADA WEBSITE PESANAN PULAU LABENGKI." Simtek : jurnal sistem informasi dan teknik komputer 8, no. 2 (2023): 371–75. http://dx.doi.org/10.51876/simtek.v8i2.324.
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Pembayaran online telah menjadi hal yang umum dilakukan dalaPembayaran online kini telah menjadi praktik umum dalam transaksi bisnis masa kini. Meskipun demikian, banyak perusahaan masih menghadapi tantangan dalam menerima pembayaran elektronik karena kurangnya akses ke sistem pembayaran yang aman dan terpercaya. Oleh karena itu, diperlukan adopsi sistem payment gateway sebagai solusi untuk mempermudah proses transaksi pembayaran secara online. Penelitian ini akan mengeksplorasi implementasi Payment Gateway sebagai Sistem Verifikasi Pembayaran pada platform pemesanan paket wisata ke Pulau Labengki.
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Ningtyas, Septiana, and Nur Jannah. "PERANCANGAN APLIKASI FOOD MARKET BERBASIS ANDROID PADA USAHA DIDIMSUM." JEIS: JURNAL ELEKTRO DAN INFORMATIKA SWADHARMA 4, no. 1 (2024): 72–80. http://dx.doi.org/10.56486/jeis.vol4no1.450.
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The rise of the online food business is undeniably due to the increasing needs and lifestyles of the people. The existence of busy work makes people order food from outside because it is easier, more practical, and efficient, and payment transactions can be done through E-wallets or bank transfers with a payment gateway payment system. Didimsum is a home-based business engaged in frozen food. The current problem is that in ordering using WhatsApp, and payments are still in cash, customers find it difficult to get the latest menu information. This research aims is to design an Android-based food market application for Didimsum to make it easier to reach customers, improve brand image, speed up the ordering process, and update menus and prices. The research was conducted with a field research methodology to obtain information directly from the Didimsum frozen food business. The techniques in data collection are observation, interviews, and document studies. The result is an Android-based Food Market Application system that can receive orders and payments from customers so that they are well-recorded and produce order and payment reports more quickly and accurately.
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Huang, Aryanto Winata, and Kasmawi Kasmawi. "Penerapan Advanced Encryption Standard Pada Aplikasi Payment Gateway Untuk Keamanan Data Transaksi Penjualan." Techno.Com 24, no. 1 (2025): 248–59. https://doi.org/10.62411/tc.v24i1.12175.
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Keamanan data transaksi penjualan membership menjadi aspek yang sangat penting untuk melindungi privasi pelanggan dan meningkatkan kepercayaan terhadap sistem, terutama di era digital yang semakin kompleks. Penelitian ini bertujuan untuk mengembangkan aplikasi penjualan membership di UMKM Gym di bengkalis dengan menerapkan algoritma Advanced Encryption Standard (AES) CBC 128-bit dan integrasi payment gateway. Pengembangan aplikasi menggunakan metode Waterfall, mencakup identifikasi masalah, analisis sistem, desain sistem, implementasi, dan pengujian. Penerapan algoritma AES CBC 128-bit dilakukan untuk mengenkripsi data sensitif, seperti payment_va_name dan payment_va_number, yang tersimpan dalam basis data, memastikan keamanan dari akses tidak sah. Keamanan AES CBC 128-bit diuji dengan simulasi serangan bruteforce key menggunakan Cryptool. Hasil pengujian menunjukkan bahwa algoritma AES CBC 128-bit dapat memberikan keamanan yang kuat terhadap ancaman keamanan data transaksi penjualan membership, sementara payment gateway Midtrans memungkinkan transaksi online yang efisien dan aman. Penelitian ini menghasilkan aplikasi yang aman, efisien, dan terintegrasi dengan payment gateway, memberikan solusi yang signifikan untuk perlindungan data transaksi penjualan membership. Sistem ini mampu meningkatkan kepercayaan pelanggan terhadap layanan online yang ditawarkan oleh UMKM Gym di bengkalis. Kata kunci: Keamanan Data Transaksi Penjualan Membership; Algoritma AES; Aplikasi Penjualan Membership; Payment Gateway; Bruteforce Key
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Deshpande, Dr Madhura. "An Analytical Study of use of UPI Payment Gateways among Post Graduate students in PCMC." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 02 (2025): 1–9. https://doi.org/10.55041/ijsrem41360.
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— This analytical study investigates the usage patterns, preferences, and perceptions surrounding the adoption of UPI (Unified Payments Interface) payment gateways among postgraduate students. With the rapid proliferation of digital payment solutions in India, understanding the dynamics of UPI adoption among this demographic group is crucial for promoting financial inclusion and driving the transition towards a cashless economy. The study employs a mixed-methods approach, combining quantitative surveys and qualitative interviews to gather comprehensive insights into postgraduate students' experiences with UPI payment gateways. Key findings reveal a high level of awareness and adoption of UPI among postgraduate students, driven by factors such as convenience, security, and accessibility. Certain UPI platforms emerge as preferred choices, influenced by transaction speed, user interface design, and additional features. However, challenges such as security concerns and technical issues persist, warranting targeted interventions to enhance user education and address usability issues. The study underscores the importance of tailored strategies to promote UPI adoption among diverse student populations and highlights the potential of digital payment solutions to drive financial literacy and empower the youth. Recommendations for UPI service providers, educational institutions, and policymakers are provided to optimize the adoption and usage of UPI payment gateways among postgraduate students, contributing to the advancement of India's digital payment ecosystem. Keywords— UPI Payments, Students, Online Payment
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Hassan, Md Arif, Zarina Shukur, and Mohammad Kamrul Hasan. "An Efficient Secure Electronic Payment System for E-Commerce." Computers 9, no. 3 (2020): 66. http://dx.doi.org/10.3390/computers9030066.
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E-commerce implies an electronic purchasing and marketing process online by using typical Web browsers. As e-commerce is quickly developing on the planet, particularly in recent years, many areas of life are affected, particularly the improvement in how individuals regulate themselves non-financially and financially in different transactions. In electronic payment or e-commerce payment, the gateway is a major component of the structure to assure that such exchanges occur without disputes, while maintaining the common security over such systems. Most Internet payment gateways in e-commerce provide monetary information to customers using trusted third parties directly to a payment gateway. Nonetheless, it is recognized that the cloud Web server is not considered a protected entity. This article aims to develop an efficient and secure electronic payment protocol for e-commerce where consumers can immediately connect with the merchant properly. Interestingly, the proposed system does not require the customer to input his/her identity in the merchant’s website even though the customer can hide his/her identity and make a temporary identity to perform the service. It has been found that our protocol has much improved security effectiveness in terms of confidentiality, integrity, non-repudiation, anonymity availability, authentication, and authorization.
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Puspitasari, Tri May Mega, and Dina Maulina. "Implementasi Payment Gateway Menggunakan Midtrans Pada Marketplace Travnesia.Com." Mobile and Forensics 1, no. 1 (2019): 22. http://dx.doi.org/10.12928/mf.v1i1.997.
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E-commerce erat kaitannya dengan pembelian dan pembayaran yang mudah serta praktis. Travnesia merupakan salah satu platform marketplace indonesia yang menyediakan ragam paket wisata dari dalam dan luar negeri. Travnesia.com merupakan produk yang dirancang dan dikembangkan oleh PT. Teras Code Digital. Teras Code Digital merupakan perusahaan pengembangan perangkat lunak yang berfokus pada pengembangan aplikasi digital dengan tingkat keamanan data yang baik. Travnesia juga berperan sebagai tempat bertemunya pelaku bisnis pariwisata khususnya Biro Perjalanan Wisata (travel agent) untuk memasarkan produk secara digital. Dalam proses peningkatan pelayanan yang nyaman, aman, terkendali dan mudah dibutuhkan infrasturktur yang baik untuk pengembangan e – commerce teresebut terutama dalam melakukan transaksi pembayaran. Travnesia dilengkapi dengan layanan pembayaran online menggunakan Midtrans payment gateway dimana wisatawan dapat melakukan pembayaran online dalam pemesanan paket wisata. Untuk pengembangan fitur pembayaran yang aman digunakan, maka dari itu dirancanglah sebuah payment gateway yang memudahkan customers dalam melakukan transaksi pembayaran secara digital menggunakan Midtrans yang merupakan sebuah platform pembayaran online yang terhubung dengan berbagai metode pembayaran di indonesia. Midtrans juga memiliki integrasi yang mudah dan keamanan yang baik karena menggunakan sistem anti-fraud.
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Adnyana, I. Ketut Widhi, I. Gede Made Yudi Antara, and Dewa Ayu Putri Wulandari. "Pemanfaatan Application Programming Interface Midtrans dan Raja Ongkir Untuk Membangun Enterprise Application Integration." Jutisi : Jurnal Ilmiah Teknik Informatika dan Sistem Informasi 10, no. 1 (2021): 13. http://dx.doi.org/10.35889/jutisi.v10i1.576.
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<p>Abstrak. E-Commerce dapat menghubungkan penjual dan pembeli yang berbeda tempat yang tidak mengharuskan penjual dan pembeli bertemu secara langsung layaknya transaksi tradisional. Masalah yang biasa terjadi pada sisi pemilik yaitu menghitung biaya kirim dan melakukan pengecekan secara manual untuk memastikan barang yang dipesan sudah di bayar. Perlu adanya pengembangan suatu aplikasi e-commerce yang terintegrasi dengan sistem penghitungan biaya kirim dan payment gateway yang dapat mempermudah konsumen untuk mendapatkan informasi tentang produk yang diinginkan, serta dapat melakukan transaksi dari mana saja secara online. Dengan menerapkan Appication Programming Interface (API) Midtrans sebagai payment gateway diharapkan pemilik usaha tidak perlu lagi melakukan pengecekan biaya kirim dan melakukan pengecekan pembayaran secara manual untuk menghitung biaya kirim ke berbagai wilayah di Indonesia. Metode yang digunakan dalam pengembangan aplikasi adalah metode prototyping, sebuah metode yang dikembangkan dengan berkomunikasi kepada client agar aplikasi yang dihasilkan sesuai dengan keinginan client. Hasil uji pencocokan biaya pengiriman dan total biaya yang harus dibayar oleh pelanggan menunjukkan API dari midtrans dapat membantu pelanggan melakukan pembayaran melalui channel yang bekerjasama dengan midtrans. Kata kunci: E-commerce, Appication Programming Interface, Midtrans, Raja Ongkir <br /> <br />Abstract. E-Commerce can connect sellers and buyers from different places that do not require sellers and buyers to meet in person like traditional transactions. The problem that usually occurs on the owner's side is calculating shipping costs and checking manually to make sure the goods ordered have been paid for. It is necessary to develop an e-commerce application that is integrated with a shipping cost calculation system and a payment gateway that can make it easier for consumers to get information about the desired product, and can make transactions from anywhere online. By implementing Midtrans Appication Programming Interface (API) as a payment gateway, it is hoped that business owners will no longer need to check shipping costs and check payments manually to calculate shipping costs to various regions in Indonesia. The method used in application development is the prototype method, a method developed by communicating to the client so that the resulting application is in accordance with the client's wishes. The test results of matching shipping costs and total costs to be paid by customers show that Midtrans API can help customers make payments through channels that work with Midtrans. Keywords: E-commerce, Appication Programming Interface, Midtrans, Raja Ongkir</p>
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Mu’min, Halek, Diah Dharmayanti, and Farid Al Rizky. "The Influence of Payment Gateways and Ease of Shopping on Customer Satisfaction at the UP2BEAT Marketplace." Journal Transnational Universal Studies 2, no. 2 (2024): 84–97. http://dx.doi.org/10.58631/jtus.v2i2.78.
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Up2beat is an online fashion center that provides high-quality clothing according to the latest trends, with a variety of styles for all walks of life and collections of men's, women's and children's clothing. In addition, they offer fashion accessories to complete the look, while prioritizing environmentally friendly practices and good work ethics standards. This study tests and proves whether payment gateways and ease of shopping influence customer satisfaction in the Up2beat marketplace. The method used in the research is quantitative with an explanatory research approach. The data collection techniques used are questionnaires and documentation. The data analysis technique uses multiple regression with the help of SPSS software. The results showed that the payment gateway factor and ease of shopping explained 94% of customer satisfaction. While the t test simultaneously shows partially and simultaneously that payment gateways and ease of shopping affect consumer satisfaction. Even though there is a significant influence between all these variables, of course, it is also necessary to look for other factors outside of payment gateways, ease of shopping and customer satisfaction
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Sudhana, I. G. P. Fajar Pranadi, I. Gde Agus Jaya Sadguna, I. Gede Nyoman Suta Waisnawa, Ayu Dwi Yulianthi, and A. A. Ayu Ngurah Harmini. "Pengembangan Sistem Pembayaran untuk Desa Wisata Tri Eka Buana dengan Online Payment." Bhakti Persada 7, no. 1 (2021): 17–23. http://dx.doi.org/10.31940/bp.v7i1.2171.
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Sejak tahun 2019, Desa Tri Eka Buana yang terletak di kecamatan Sidemen, Kabupaten Karangasem Bali, melalui tim pengabdian Politeknik Negeri Bali telah mendapatkan hibah PPDM untuk membentuk desa wisata dengan potensi alam dan penghasil minu-man tradisional arak bali. Berbagai macam kegiatan dari solusi yang ditawarkan telah dilaksanakan pada tahun I di 2019. meliputi menyusun Master Plan pengembangan desa wisata, merumuskan sistem pengawasan kebersihan desa, melaksanakan sosialisasi tata ruang desa wisata, sosialisasi dan penyuluhan kepariwisataan, dan menyusun program pemasaran Desa Wisata melalui digital marketing. Salah satu kegiatan yang telah terlaksana adalah pengambangan website Desa Wisata Tri Eka Buana.Transaksi online semakin diminati, bahkan sudah menjadi tren di kalangan masyarakat luas. Selain dapat dilakukan kapanpun dan dimanapun tanpa ada batasan waktu atau jarak. E-payment menawarkan berbagai macam kemudahan dan kepraktisan dalam melakukan pembayaran. Berbagai macam metode pembayaran dapat diintegrasikan kedalam sistem sehingga memudahkan pelanggan yang akan melakukan pembayaran sesuai pemesanan yang dilakukan. Desa wisata Tri Eka Buana Sidemen Karangasem Bali dapat me-manfaatkan sistem payment online ini guna membantu oprasional desa wisata kedepannya. Pengembangan sistem online payment ini dapat dikembangkan dengan membangun website desa wisata, menambahkan fasilitas ecommerce ke dalam website yang telah dibangun, melakukan registrasi dan aktivasi ke salah satu layanan payment gateway, dan mengintegrasi website desa wisata Tri Eka Buana dengan layanan payment gateway.
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K, Shashikala, Ankur singh, Gulshan Kumar, Vrindwan Kumar, and Mahesh T R. "Online Service Booking Platform with Payment Integration." International Journal of Information Technology, Research and Applications 2, no. 2 (2023): 41–46. http://dx.doi.org/10.59461/ijitra.v2i2.54.
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This research work provides the design and development of an online service booking platform with payment integration. The platform is designed to enable users to book and pay for services such as plumbing and electrical services online from the comfort of their own homes. The system uses HTML, CSS, and PHP to create an intuitive user interface, as well as a secure payment gateway for online transactions. The platform is designed to provide better user experience and the system is designed for both mobile and desktop devices. The study concludes by providing a set of recommendations for future development of the platform, and discusses the potential benefits and challenges of online service booking platforms.
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Dhrubajyoti Bordoloi, Dhrubajyoti Bordoloi, and Murathoti Rajendra Nath Babu Murathoti Rajendra Nath Babu. "Consumer's Attitude towards Digital Payments: A Demographic Analysis." GLOBAL BUSINESS FINANCE REVIEW 29, no. 4 (2024): 16–27. http://dx.doi.org/10.17549/gbfr.2024.29.4.16.
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Purpose: The purpose of the study is to assess the knowledge and attitude of consumers towards various payment modes with special reference to digital payment methods in Nagaland State, India. Design/methodology/approach: The study is based on primary data from students, scholars, government employees, and self-employed private employees of the Nagaland state of India. The data were collected through a questionnaire. The questionnaire was standardised by using the item analysis and the items generating unfavourable t-statistics were removed. The basic data were analysed by using descriptive statistics followed by interpretation of the results. In addition to that, inferential statistics was also used for hypothesis testing. Findings: The majority of consumers were satisfied with the electronic payment option, according to the study's findings, which is encouraging for the country's lawmakers. However, consumers also make use of cash on a regular basis. Debit or credit cards are used by almost half of consumers for both in-person and online purchases. Consumers of both sexes and varying socioeconomic backgrounds have quite different sentiments about e-payments. Regarding e-payments, people with different educational backgrounds, marital statuses, management styles, and work statuses have the same attitudes. Research limitations/implications: The study was conducted in Nagaland state of India and confined to only two districts. Convenience sampling technique was used in the study. This study considered only perception towards E-Payments. Similar study may be conducted by using some other variables. Furthermore, research that are cross-sectional and longitudinal can be conducted to delve deeper into the topic. Originality/value: This study fills the apparent gap in the existing payment gateway system. It contributes to the body of research on adoption of new technologies, and specifically E- payment services. It provides with a better understanding of Consumer's attitude towards E-Payments.
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Shatrunjai, Singh, Singh Ishan, Shanker Yadav Hari, Kumar Sharma Sunil, Anna Alphy Dr., and Gajendra Kumar Dr. "Payment Gateway with Multifactor Authentication: A Security Mechanism." International Journal of Innovative Science and Research Technology (IJISRT) 9, no. 12 (2025): 1966–73. https://doi.org/10.5281/zenodo.14576753.
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The rapid growth of e-commerce has led to an increasing reliance on payment gateways for secure online transactions. To address vulnerabilities such as phishing and fraud, multifactor authentication (MFA) has emerged as a robust solution for ensuring the integrity and security of transactions. This paper explores the implementation of MFA in payment gateways, its impact on user experience, security protocols, and compliance with regulatory standards. A comparative analysis of popular MFA methods and a discussion of future trends, such as biometric authentication and blockchain integration, are also provided. Organizations are implementing wireless online payment applications to facilitate their global business expansion. This trend has heightened the demand for regulatory measures aimed at safeguarding sensitive information, particularly in the realm of internet-based financial transactions. Current internet authentication systems typically rely on either the web or mobile channels independently to verify the identity of remote users. This approach presents a vulnerability, as it depends solely on single-factor authentication, which is insufficient for ensuring the security of user data. Therefore, there is a pressing need for multifactor authentication solutions.
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Wibowo, Beautifully Margaretha Putri, and Siti Asmiatun. "Impelementasi Payment Gateway untuk System Management Member Gym Menggunakan Framework Laravel 10." Kesatria : Jurnal Penerapan Sistem Informasi (Komputer dan Manajemen) 6, no. 1 (2025): 95–104. https://doi.org/10.30645/kesatria.v6i1.550.
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Public interest in sports is increasing from time to time. People are starting to realize the importance of maintaining body health and encouraging themselves to exercise more regularly and maintain a healthier lifestyle. Various types of sports can be done ranging from light exercise to competitive sports. One of the sports that has become a trend lately is exercising indoors with modern sports equipment facilities, such as gyms. Even though gyms have provided various needed facilities, people still have some obstacles experienced, such as lack of free time to be able to book sports facilities and pay for facilities directly. Therefore, the researcher developed a gym member management system by utilizing Laravel 10 as the back-end system and Midtrans as an online payment provider, as well as applying the Agile Software Development method which includes the stages of planning, design, development, testing, deployment, and review as a benchmark in system design. Thus, the gym member management system can help users book sports facilities anywhere and anytime through membership and simplify payment transactions by implementing online payments, as well as provide a new experience for users in booking gym facilities and improve operational efficiency.
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Setiawan, Budi, Bintang Selviana, and Agung Susilo Yuda Irawan. "Mengoptimalkan Fungsi Payment Gateway Midtrans pada Website Coffee Shop Melalui Penggunaan Metode Prototype pada Proses Pengembangan." JRST (Jurnal Riset Sains dan Teknologi) 7, no. 2 (2023): 225. http://dx.doi.org/10.30595/jrst.v7i2.16964.
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Penggunaan Midtrans sebagai payment gateway pada coffee shop memberikan keuntungan bagi pemilik bisnis dan pelanggan dengan optimalisasi pada sistem pembayaran online dan penyediaan pilihan metode pembayaran yang sesuai. Namun, keamanan data dan transaksi serta biaya transaksi yang tinggi dan fleksibilitas metode pembayaran bagi pelanggan perlu diperhatikan. Penelitian ini bertujuan untuk mengoptimalkan penggunaan Midtrans sebagai payment gateway pada coffee shop dengan menyediakan sistem pembayaran online yang aman, efektif, dan efisien.Untuk meningkatkan performa payment gateway Midtrans pada website coffee shop dan mengoptimalkan fungsi-fungsi pentingnya, diperlukan prosedur penelitian yang terstruktur dan efektif. Dalam hal ini, metode prototype digunakan untuk mengembangkan proses-proses pengembangan secara berkala dan meminimalkan risiko kegagalan sistem. Untuk itu, prosedur penelitian yang terdiri dari tahapan-tahapan penelitian perlu dilakukan secara terencana dan sistematisSetelah dilakukan analisis, Hasil penelitian menunjukkan beberapa masalah dalam sistem manual. Oleh karena itu, dilakukan perancangan sistem baru dengan beberapa fitur baru seperti pelanggan dapat memesan produk melalui website, pembayaran dengan menggunakan Midtrans. Tahap selanjutnya adalah Build Prototype dan User Evaluation. Kemudian dilakukan empat kali pengujian untuk memastikan penggunaan payment gateway Midtrans dapat memudahkan proses transaksi.Penelitian ini menyimpulkan bahwa Midtrans dapat meningkatkan kepuasan dan kepercayaan pelanggan di coffee shop. Rekomendasi meliputi pengoptimalan penggunaan Midtrans, peningkatan keamanan data dan transaksi, dan penerapan fitur-fitur keamanan tambahan seperti OTP dan password yang kuat. Faktor-faktor seperti kemudahan navigasi dan kejelasan informasi juga perlu diperhatikan untuk meningkatkan pengalaman pengguna secara keseluruhan.
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Hafiz, Muhammad, Ihsan Lubis, and Septiana Dewi Andriana. "PENERAPAN PAYMENT GATEWAY BOOKING LAPANGAN MINI SOCCER." Djtechno: Jurnal Teknologi Informasi 4, no. 2 (2023): 520–33. http://dx.doi.org/10.46576/djtechno.v4i2.3880.
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Lapangan mini soccer adalah lapangan sepak bola dengan ukuran yang lebih kecil daripada lapangan sepak bola standar. Ukuran lapangan mini soccer bervariasi, tetapi biasanya sekitar 30 meter x 15 meter atau lebih kecil lagi. Lapangan mini soccer dapat dibangun di area yang lebih kecil seperti halaman rumah, gedung perkantoran, atau tempat olahraga dalam ruangan. Latar belakang penggunaan lapangan mini soccer berasal dari kebutuhan masyarakat akan fasilitas olahraga yang mudah diakses dan cocok untuk digunakan dalam lingkungan perkotaan yang terbatas. Lapangan mini soccer menawarkan alternatif olahraga sepak bola yang lebih kecil dan lebih mudah diakses daripada lapangan sepak bola standar. Salah lapangan mini soccer yang tersedia yang tidak jauh dari kota medan yaitu lapangan mini soccer leon yang merupakan jasa penyewaan lapangan mini soccer yang terletak di daerah binjai, provinsi Sumatera Utara. Selama berjalannya jasa penyewaan ini pihak pengelola belum bisa melakukan reservasi secara online hanya tersedia menggunakan via telepon ataupun menggunakan media sosial, Namun, penggunaan sistem pemesanan seperti ini dapat menimbulkan beberapa permasalahan yang perlu diperhatikan. Hasil penelitian ini Penerapan Payment Gateway pada booking lapangan Mini Soccer akan membantu mengotomatisasi proses pembayaran, mengurangi keterlibatan manual, dan menghemat waktu bagi pengelola lapangan. Kata Kunci : Lapangan, Mini Soccer, Payment Gateway
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Rahman, Muhammad Zaldi, and Muhamad Alda. "Aplikasi E-Commerce Ikan Teri dengan Metode Waterfall dan Integrasi Pembayaran Midtrans." Journal of Information System Research (JOSH) 6, no. 1 (2024): 155–63. https://doi.org/10.47065/josh.v6i1.5943.
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The development of digital technology has encouraged many small and medium enterprises (SMEs) to shift to e-commerce platforms to expand their market reach. Abdul Rahman's business, which deals with the sale of anchovies, faces challenges in marketing and effective payment systems. Therefore, the development of an e-commerce application is needed to increase sales efficiency and provide convenience in transactions. This research aims to design and develop an e-commerce application for Abdul Rahman's business using the Waterfall software development method. This method was chosen because of its systematic and structured process, making it suitable for the needs of a small-scale business. The development stages include requirements analysis, system design, coding, testing, and maintenance. Additionally, this application is integrated with Midtrans, a payment gateway that allows customers to make payments through various methods such as bank transfers, credit cards, and digital wallets, simplifying the online transaction process. The final result of this research is an e-commerce application that can be used to market anchovy products more broadly and provide convenience in purchasing and secure, fast payment processes. System testing shows that the application functions as expected and can enhance the user experience in online shopping.
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Aldi Fernando, Tedri Tri Naidi, and Muhammad. "Rancang Bangun Sistem Rental Mobile Berbasis Website Menggunakan Framework Laravel." JEKIN - Jurnal Teknik Informatika 3, no. 3 (2024): 1–10. http://dx.doi.org/10.58794/jekin.v3i3.612.
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Abstrak - Sistem pembayaran berkembang seiring dengan perkembangan teknologi. Pembayaran dapat dilakukan secara manual dengan menyerahkan uang secara langsung atau secara online dengan pembayaran transfer bank. Assa Rent Car adalah perusahaan rental mobil di Pekanbaru. Proses pembayaran booking mobil masih menggunakan sistem manual, sehingga admin menghadapi beberapa masalah. Misalnya, mereka harus mengecek pembayaran yang dilakukan pelanggan dengan melihat mutasi rekening bank, yang menghambat kinerja admin. Penulis menciptakan sistem rental mobil yang terintegrasi dengan payment gateway untuk mempermudah proses transaksi di Assa Rent Car Pekanbaru. Sistem ini juga dapat menyimpan semua transaksi di dalamnya. Midtrans adalah payment gateway yang menggunakan metode SNAP. Sistem Rental Mobil dibangun menggunakan konsep Model View Controller (MVC) dengan Framework Laravel, bahasa pemrograman PHP (Hypertext Prepocessor), MySQL sebagai database server, dan Visual Studio Code sebagai text editor. Hasil pengujian sistem Black-box menunjukkan bahwa sistem memiliki kemampuan untuk mengelola booking mobil secara online, menampilkan profil pengguna dan informasi tentang mobil yang disewakan, menggunakan payment gateway untuk menangani pembayaran untuk booking mobil, memantau status transaksi, dan mencetak laporan transaksi.
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Mujahidin, Irfan, Sindung Hadwi Widi Sasono, Hutama Arif Bramantyo, et al. "IMPLEMENTASI PEMBAYARAN SPP BERBASIS WEBSITE DENGAN PAYMENT GATEWAY MIDTRANS DI TK KARTINI MIJEN KECAMATAN MIJEN KABUPATEN DEMAK." Orbith: Majalah Ilmiah Pengembangan Rekayasa dan Sosial 20, no. 3 (2025): 235–44. https://doi.org/10.32497/orbith.v20i3.6255.
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Abstrak Administrasi sekolah merupakan kebutuhan yang sangat penting bagi instansi sekolah. Salah satunya adalah sumbangan pembinaan pembinaan atau dikenal dengan sebutan SPP. Proses pembayaran SPP di TK Kartini Mijen masih konvensional. Pembayaran SPP masih mengharuskan orang tua siswa datang ke sekolah secara langsung. Pendataan transaksi pembayaran SPP masih berupa sistem pembukuan. TK Kartini Mijen membutuhkan sistem pembayaran SPP berbasis website dengan tujuan agar proses pembayaran SPP dapat dilakukan secara online dan data transaksi pembayaran dapat langsung terekap. Metode penelitian yang digunakan adalah metode waterfall dengan tahap analysis, design, implementation, testing, maintenance. Hasil dari penelitian ini adalah sistem informasi yang dapat digunakan oleh para administrasi sekolah dan orang tua siswa untuk melakukan pembayaran SPP secara efisien dan akurat. Sistem ini memiliki fitur untuk menerima pembayaran melalui berbagai metode, seperti transfer bank dan dompet digital (e-wallet), sehingga memberikan kemudahan bagi orang tua siswa. Selanjutnya dilakukan pengujian load time pada website. Pengujian load time halaman web terlama dengan bandwidth 9.2 Mbps senilai 2.97 detik dengan hak akses admin pada halaman tambah siswa. Sedangkan pengujian load time halaman web tercepat dengan bandwidth 9.2 Mbps senilai 0.139 detik dengan hak akses siswa pada objek update password siswa. Pengujian load time halaman web terlama dengan bandwidth 22.94 Mbps senilai 4.66 detik dengan hak akses pada halaman tambah siswa, sedangkan pengujian load time halaman web tercepat dengan bandwidth 22.94 Mbps senilai 0.212 detik dengan akses siswa pada objek update password. Diharapkan bahwa hasil penelitian ini dapat memberikan kontribusi positif bagi TK Kartini Mijen dalam meningkatkan efisiensi dan akurasi sistem pembayaran SPP mereka. Kata kunci : Pembayaran SPP, Payment gateway, Midtrans Abstract School administration is a crutial need for educational institutions. One of its aspects is the tuition fee, commonly known as SPP. The process of paying SPP at TK Kartini Mijen is still conventional. Parents are required to come directly to the school to make the payment. Transaction data for SPP payments are still recorded in a bookkeeping system. TK Kartini Mijen requires a web-based SPP payment system to allow online payments and for transaction data to be automatically recorded. The research method used is the waterfall method, consisting of analysis, design, implementation, testing, and maintenance stages. The result of this research is an information system that can be used by school administrators and parents to make SPP payments efficiently and accurately. The system has features to accept payments through various methods, such as bank transfers and digital wallets (e-wallets), making it easier for parents. Additionally, a load time test was conducted on the website. The longest load time for a web page with a bandwidth of 9.2 Mbps was 2.97 seconds, on the add student page with admin access. The fastest load time for a web page with the same bandwidth was 0.139 seconds, on the student password update page with student access. The longest load time for a web page with a bandwidth of 22.94 Mbps was 4.66 seconds, on the add student page with admin access, while the fastest load time was 0.212 secconds, on the student password update page with student access. It is hoped that the results of this research will provide a positive contribution to TK Kartini Mijen in improving the efficiency and accuracy of their SPP payment system. Keywords : Tuition Fee Payment, Payment gateway, Midtrans
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Wiyono, Hadi, and Muhammad Fachrie. "Perancangan Aplikasi Pemesanan Tiket Wisata di Kecamatan Donorojo Menggunakan Metode Payment Gateway." Jurnal Indonesia : Manajemen Informatika dan Komunikasi 5, no. 1 (2024): 574–86. http://dx.doi.org/10.35870/jimik.v5i1.522.
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Currently, the process of ordering tourist tickets is still done manually, especially in the Donorojo area, namely by visiting a travel agent or contacting the relevant party by telephone to order tickets. This process tends to take a long time, especially if users must queue to place an order. In addition, information regarding ticket prices and available schedules is not always easily accessible to users. The impact of this problem is confusion and errors in ordering tickets, as well as the buildup of queues at counters which causes congestion. To overcome this problem, we developed a tourist ticket booking application in Donorojo sub-district by implementing payment gateway methods including Flutter as a mobile application development framework and Firebase as a database management system that allows users to order tickets online, find out available tourist destination information and prices. and the schedule of tickets offered. The solution step taken is to collect and analyze data regarding popular tourist destinations, as well as implementing an online payment feature in the application. The interim results we have obtained are applications that are able to provide information about available tourist destinations, as well as provide convenience in the payment process and increase transaction security by using this payment gateway. Users can choose the desired destination, select the date and number of tickets needed, and make payment via the application. After payment is complete, the application will issue an electronic ticket which can be shown upon arrival at the tourist destination.
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Marselina, Dwi, and Nurajijah Nurajijah. "Sistem Informasi Pemesanan Jasa Konstruksi Besi Berbasis Web Menggunakan Metode Prototype." Bianglala Informatika 11, no. 2 (2023): 83–89. http://dx.doi.org/10.31294/bi.v11i2.17756.
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Abstrak - Proses pemasaran dan penjualan konstrusi yang masih dilakukan secara manual ditambah era pandemi yang menyebabkan mobilitas pelanggan jasa konstruksi sangat terbatas untuk melakukan transaksi secara langsung menyebabkan penurunan profit perusahaan jasa konstruksi. Tujuan penelitian ini adalah menjawab permasalahan pada perusahaan jasa konstruksi dengan merancang sistem informasi yang dapat mempermudah dan memfasilitasi pelanggan untuk melakukan pemesanan konstruksi secara online berbasis website. Website ini dirancang dengan menggunakan metode prototype dengan bahasa pemrograman PHP, dan menggunakan framework laravel dalam melakukan pengkodean, database menggunakan MySQL untuk menyimpan seluruh data transaksi maupun data pribadi klien, tampilan aplikasi menggunakan bootstrap untuk mempercantik tampilan agar lebih responsive dan interaktif ketika digunakan. Fitur yang ditawarkan adalah klien dapat melakukan pemesanan konstruksi besi secara online melalui website, pembayaran menggunakan metode payment gateway midtrans dengan tujuan memudahkan klien dalam bertransaksi secara online dan notifikasi pembayaran ketika berhasil melakukan pembayaran, klien dapat melihat progres serta memantau pekerjaan via web. Hasil pengujian sistem pada skenario yang dilakukan menunjukan sistem berjalan sesuai harapan.Kata Kunci : sistem informasi, pemesanan jasa konstruksi, prototype Abstract - The construction marketing and sales process is still carried out manually, plus the pandemic era which has caused very limited mobility for construction service customers to carry out direct transactions has resulted in a decline in profits for construction service companies. The aim of this research is to answer problems in construction service companies by designing an information system that can make it easier and facilitate customers to make construction orders online based on a website. This website was designed using the prototype method with the PHP programming language, and uses the Laravel framework for coding, the database uses MySQL to store all transaction data and client personal data, the application display uses bootstrap to beautify the appearance so that it is more responsive and interactive when used. The features offered are that clients can order iron construction online via the website, payments using the Midtrans payment gateway method with the aim of making it easier for clients to make online transactions and payment notifications when successful in making payments, clients can see progress and monitor work via the web. The results of system testing in the scenarios carried out show that the system runs as expected.Keywords: information systems, ordering construction services, prototypes
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Tju, Teja Endra Eng, and Nugraha Rama Azaru. "Optimizing Shopping Experience by Integrating Augmented Reality and Payment Gateway in SME Storefronts." MATICS: Jurnal Ilmu Komputer dan Teknologi Informasi (Journal of Computer Science and Information Technology) 16, no. 2 (2024): 69–75. http://dx.doi.org/10.18860/mat.v16i2.28695.
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In the rapidly evolving digital era, leveraging advanced technologies to enhance the online shopping experience has become crucial, especially for small and medium-sized enterprises (SMEs) aiming to compete in the global market. This research focuses on optimizing the shopping experience by integrating Augmented Reality (AR) and Payment Gateway technologies into a storefront platform specifically designed for women's clothing SMEs. The study begins with a comprehensive analysis of market trends, customer behavior, and the challenges faced by SMEs in adopting these technologies. A detailed literature review provides the foundation for developing a robust conceptual framework. The prototype development phase involves designing 3D models using CLO | 3D Fashion Design Software, converting these models into AR experiences with Meta Spark Studio, and integrating the Midtrans Payment Gateway using Laravel. The AR feature enables users to virtually try on clothes via Instagram, while the Payment Gateway ensures quick and secure transactions. The final phase involves rigorous functional and substantive testing, focusing on user experience, transaction efficiency, and overall system performance. Results demonstrate that the integrated prototype significantly enhances the shopping experience, providing seamless AR interactions and efficient payment processing. Users reported high satisfaction levels with the system's usability and security. The study concludes that integrating AR and Payment Gateway technologies into SME storefronts can substantially improve their competitiveness in the digital market, offering practical insights and guidelines for future implementations in the e-commerce sector.
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Moch Sholeh, Esther Yolanda Talahaturuson, Maulana Rizqi, and Agustinus Bimo Gumelar. "Designing an Ethereum-based Blockchain for Tuition Payment System using Smart Contract Service." Jurnal RESTI (Rekayasa Sistem dan Teknologi Informasi) 6, no. 2 (2022): 275–80. http://dx.doi.org/10.29207/resti.v6i2.3917.
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The security and disclosure of information in online transaction data remains a sensitive subject until this day. Whenever a collection of data from a transaction process is accessible over the internet system, certain parties may misuse any one of these data. Blockchain technology, which includes the use of smart contracts, is thought to be capable of overcoming this problem due to the blockchain's decentralized and distributed nature. Blockchain allows transaction data to be accessed openly and transparently while still being securely protected by hashing encryption owned by smart contracts. This enables users to have detailed access privileges to each transaction's data. The development of smart contracts will be carried out in the production of microservices payment gateways based on decentralized apps (DApps) on the Ethereum blockchain in this research, with the payment gateway generated being used in the tuition payment process. The Truffle framework and the Metamask wallet will be used to assist the Ethereum payment process during the DApps development process. The results of testing the functionality of each smart contract feature reveal that the payment system can be utilized effectively and that there are no issues that cause transaction failures.
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Kwadade-Cudjoe, Francis. "A, E-Business & E-Commerce. B&C E-Business & E-Commerce: The structure of the new commerce world and how Ghanaians are seriously equipping themselves and poised to be included in this modern and global business transaction." Archives of Business Research 8, no. 2 (2020): 153–64. http://dx.doi.org/10.14738/abr.82.7841.
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E-Business and E-Commerce are currently the vogue in transacting business globally. The mode of transacting business with this modern approach is so simple that, it is likely a huge number of the global population are already there. Ghana, an emerging market in Africa and the globe, has the attractiveness to join this craze. The current government has been able to eliminate the quack financial institutions from the banking system, and technologically established and launched the infrastructure for Ghana’s Interbank Payment and Settlement Systems (GhIPSS). This is an internet payment gateway to enable holders of domestic Automated Teller Machine (ATM) cards to make payments and purchases online. Most of the Banks in Ghana have also come out with perks to customers who would adopt the online purchasing approach, and even use their ATM cards for their transactions. The enticement is seriously catching on, and there is the hope that the citizenry would listen to the advice of the government for all to join the digital transformation currently going on in Ghana.
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Atul, Kumar Mishra, and Rajesh Rathore Dr. "Effects of Demonetization on Digital Marketing and E Payment Gateway." International Journal of Trend in Scientific Research and Development 3, no. 4 (2019): 649–51. https://doi.org/10.31142/ijtsrd23879.
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Demonetization is the demonstration of stripping a cash unit of its status as legitimate delicate. It happens at whatever point there is a difference in national cash The present structure or types of cash is pulled from course and resigned, regularly to be supplanted with new notes or coins. Now and again, a nation totally replaces the old cash with new money. Evacuating the legitimate delicate status of a unit of cash is an extreme mediation into an economy since it straightforwardly impacts the vehicle of trade utilized in every single financial exchange. It can help settle existing issues, or it can cause bedlam in an economy, particularly whenever attempted abruptly or all of a sudden. All things considered, demonetization is attempted by countries for various reasons. Demonetization alludes to Withdrawal of a specific type of cash from dissemination. Demonetization is fundamental at whatever point there is a difference in national money. The old unit of money must be evacuated and substituted with another cash unit. The cash was demonetized first time in 1946 and second time in 1978. On Nov. 2016 the cash is demonetized third time by the present Modi government. This is the strong advance taken by the govt. for the improvement of the economy and nation. In this paper I need to examine the effect of ongoing demonetization on the Indian framework. Atul Kumar Mishra | Dr. Rajesh Rathore "Effects of Demonetization on Digital Marketing & E - Payment Gateway" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-3 | Issue-4 , June 2019, URL: https://www.ijtsrd.com/papers/ijtsrd23879.pdf
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Noviana, Dwi, and Moh Anshori Aris Widya. "Pengembangan Sistem Pembayaran Online ISP Berbasis Midtrans Payment Gateway (Studi Kasus : BUMDES Murni Jaya)." Exact Papers in Compilation (EPiC) 6, no. 3 (2024): 10–17. http://dx.doi.org/10.32764/epic.v6i3.1172.
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Perkembangan teknologi informasi khususnya internet, telah mempengaruhi akses dan transfer informasi secara signifikan termasuk dalam sistem pembayaran. Internet Service Provider (ISP) Murni Jaya, yang merupakan bagian dari BUMDES di Desa Sumbermulyo, Jombang, Jawa Timur, masih menggunakan metode pembayaran konvensional. Untuk meningkatkan efektivitas, dikembangkan Sistem Pembayaran Online berbasis Payment Gateway Midtrans. Penelitian ini bertujuan mempermudah pelanggan dalam melakukan pembayaran tagihan dan meningkatkan kenyamanan serta efektivitas proses pembayaran. Pendekatan yang digunakan adalah metode waterfall, meliputi spesifikasi, pengembangan, validasi, solusi, dan representasi, melalui tahapan perancangan perangkat lunak, implementasi, pengujian, dan spesifikasi persyaratan. Hasil penelitian menunjukkan bahwa integrasi sistem pembayaran dengan Payment Gateway Midtrans melalui metode Snap yang mendukung lebih dari 25 metode pembayaran, memberikan kemudahan dan fleksibilitas bagi pelanggan. Sistem ini menyederhanakan proses pembayaran dan meningkatkan kenyamanan serta kepuasan pelanggan dalam bertransaksi online.
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Nasri, Edy, and Nanang Agustiawan. "RANCANGAN E-COMMERCE DAN PAYMENT API MIDTRANS UNTUK PRODUK UMKM (STUDI KASUS PADA RUMAH KEMASAN)." Jurnal Sistem Informasi dan Informatika (Simika) 4, no. 2 (2021): 131–46. http://dx.doi.org/10.47080/simika.v4i2.1366.
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In the process of product marketing micro, small and medium enterprises on Shop Rumah Kemasan Pandeglang, still being done by marketing the product through the storefront and the goods are stored in the warehouse so that the search, counting of goods directly gets to the warehouse and recording is still using bookkeeping so that the service process for goods is slow, it often happens that goods are not found resulting in data loss, it is necessary to have a system that manages the transaction process for data collection and online sales in order to increase the number of sales and minimize data loss. The system that will be designed later is the e-commerce and payment API midtrans, this research was conducted to increase sales of micro, small and medium business products by providing a system that can be accessed by everyone anywhere and anytime so that in the system that will be built later, buyers no longer need to wait long to buy products and for payments there is no need to make cash payments just online, and for product sellers can speed up the sales process, organized data management. In the design and development stage of e-commerce applications, researchers use the Extreme Programming method, modeling using the UML which produces a software that is expected, and the language used in this development is the PHP programming language, the MySQL database and for payments based on the Midtrans payment gateway application programming interface.