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:
Merchant Request: The merchant sends a payment request via the Payment Gateway, including the required parameters.
Gateway Response: The Payment Gateway displays the E-Wallet payment option along with instructions or a link to proceed with the transaction.
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).
Payment Processing: The E-Wallet application processes the payment and sends a confirmation to the Payment Gateway.
Notification & Settlement: The Payment Gateway receives the payment status notification from the E-Wallet and informs the merchant for reconciliation.
2.1 Sequence Diagram
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
You can accept payments via E-Wallet with these application:
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