# E-Wallet

## 1. Overview

An E-Wallet is a digital wallet that allows users to perform transactions online quickly and securely. By integrating with a Payment Gateway, merchants can efficiently receive payments from various popular E-Wallet applications, seamlessly incorporating them into their business systems.

**Primary Uses:**

* Enables quick and convenient daily transactions.
* Reduces reliance on traditional payment methods.
* Enhances transaction security through digital verification and authentication.

## 2. E-Wallet Transaction Flow Process

The transaction flow through the Payment Gateway for E-Wallet payments generally consists of the following steps:

1. **Merchant Request:**\
   The merchant sends a payment request via the Payment Gateway, including the required parameters.
2. **Gateway Response:**\
   The Payment Gateway displays the E-Wallet payment option along with instructions or a link to proceed with the transaction.
3. **Customer Action:**\
   The customer selects the E-Wallet option and is directed to authenticate and complete the payment using the chosen E-Wallet application (such as GoPay, OVO, Dana, or LinkAja).
4. **Payment Processing:**\
   The E-Wallet application processes the payment and sends a confirmation to the Payment Gateway.
5. **Notification & Settlement:**\
   The Payment Gateway receives the payment status notification from the E-Wallet and informs the merchant for reconciliation.

### 2.1 Sequence Diagram

<figure><img src="/files/imOHq5nEUozfH7kxiwmR" alt=""><figcaption></figcaption></figure>

* **Merchant (M)** sends a payment request to the **Payment Gateway (PG)**.
* **Payment Gateway (PG)** presents the E-Wallet payment option to the Merchant.
* **Merchant (M)** informs the Customer (C) on how to complete the payment via an E-Wallet.
* **Customer (C)** authenticates and finalizes the payment through the **E-Wallet Provider (EW)**.
* **E-Wallet Provider (EW)** confirms the payment status to the Payment Gateway.
* **Payment Gateway (PG)** forwards the payment notification to the Merchant for further processing.

### Available E-Wallet Payment Channels <a href="#available-virtual-account-payment-channels" id="available-virtual-account-payment-channels"></a>

You can accept payments via E-Wallet with these application:

<figure><img src="/files/J9BpYtr5BDmQsif1H6uM" alt=""><figcaption></figcaption></figure>


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