Along with the increasing awareness of the Indonesian public that selling online is important, the need for online shop websites has also increased. Online shops themselves are also not much different from physical stores as in general. In online shops there is also a process of viewing products, comparing, and also paying.
Now for the easiest payment, usually online shop owners only use manual bank transfers. So when a buyer pays, the online shop owner must check their account mutations, making sure the amount transferred is appropriate or not. This is easy if the transaction in your shop is only 1-10 transactions a day. But what if hundreds or even thousands? How much time is wasted just checking transfers and ensuring that the buyer transfers money according to the specified amount. Because of this there is such a thing as a payment gateway .
What is a Payment Gateway?
Payment gateway is an automatic payment service provider with various payment channels for online shop owners. This payment gateway becomes a third party between the online shop owner and the buyer. The function of this payment gateway is to help the payment system in your online shop automatically. So when the buyer has made the transfer, the payment gateway system will check whether it is patient payment solutions in accordance with the nominal, if it is correct automatically the payment status is complete and the online shop owner will get a notification to immediately process the order. If you use an online shop creation service from Whello, a payment gateway is a feature that is included in this service.
How Do Payment Gateway Work ?
Please note that if you use a payment gateway , buyers will no longer transfer their money directly to your account. But to a payment gateway account . Why? Because payment gateway accounts are integrated with their system which allows them to automatically check all account mutations in their accounts and connect directly to your online shop platform (wordpress, native php, etc.). So there's no need to check account mutations manually over and over again and update the order status in your online shop. Everything becomes automatic and your job is only to process orders whose payment process has been verified by a payment gateway .
But you don't need to worry because the payment gateways below are the best payment gateways that are already used by many well-known online stores. So their credibility and honesty can be ascertained.
Payment gateway itself has many choices. The difference is usually only in the available payment options such as BCA Virtual Account, Gopay, Ovo, credit card, Akulaku, and others. Make sure you choose a payment gateway as needed. Suppose your product does not require a credit card as a means of payment, then you don't need to use a payment gateway that provides credit card payments.
Faspay
Faspay is also a payment gateway which is almost the same as Midtrans. The payment channels offered are also not much different, in Faspay for e-wallets you can only use Ovo and Cardless Credit payments, there are 2 types of payments, namely Akulaku and Kredivo.
Faspay is also compatible with various online shop platforms such as WordPress, Magento, Prestashop, and Opencart. If your website uses another programming language, you can also use the API documentation provided to make it easier for you to connect Faspay's API with your website.
And also like Midtrans, Faspay also deducts every transaction depending on what payment channel is used. The price per transaction is not much different from Midtrans. You can see below:
Xendit
Xendit is unique from other payment gateways . Xendit has a Live URLs Checkout feature, so you can create a special payment link for your customers. And the link is only valid for a certain time that you can specify. That way you can send the payment link to various social media.
In full, there are 3 choices of integration, namely through Live URLs Checkout, Web / Phone Checkout, and also Native APIs. For web checkout, it's definitely for those of you who use an online store with platforms like WordPress, Magento, Shopify, and others.
While APIs are for those of you who use complex programming languages and want to create their own UI. So you can do the developing itself in connecting API Xendit with your website.
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