Preprint / Version 1

Middleware Payment Gateway on Digital Crowdfunding Platforms

Middleware Payment Gateway pada Platform Digital Crowdfunding

##article.authors##

DOI:

https://doi.org/10.21070/ups.8558

Keywords:

Payment Gateway, Middleware, Crowdfunding, , Microservices, Web Service,

Abstract

This research develops a microservices-based payment gateway middleware for a digital crowdfunding platform. By adopting the Customer Effort Score (CES) Framework, the system is able to identify and mitigate barriers to user experience. The implemented digital solution includes API integration for payments and features such as top-up, account opening, and transaction history, supporting various payment methods such as virtual accounts, QRIS, and e-wallets. As a result, the system improves transaction efficiency, security, and ease, while providing a better user experience. This implementation is considered scalable and relevant to support the growth of the digital economy in the crowdfunding sector.

Downloads

Download data is not yet available.

Author Biographies

M Bima Surya Jaya, Universitas Muhammadiyah Sidoarjo

 

 

 

 

Irwan Alnarus Kautsar, Universitas Muhammadiyah Sidoarjo

 

 

 

 

 

 

 

References

M. Helmi, S. Fedianto, and E. P. Mandyartha, “Pembuatan Website Crowdfunding Terintegrasi Payment Gateway Menggunakan Vue.”

E. Julio, M. A. I. Pakereng, and I. Artikel, “Implementasi API Payment Gateway Menggunakan Arsitektur Microservice,” JURNAL INFORMATIKA, vol. 8, no. 2, 2021, [Online]. Available: http://ejournal.bsi.ac.id/ejurnal/index.php/ji

M. F. Rahman, “APLIKASI VIRTUAL MARKETPLACE DENGAN CODEIGNITER 4 DAN PAYMENT GATEWAY DARI TRIPAY.CO.ID,” Jar’s, vol. 1, no. 2, p. 42, 2023, [Online]. Available: https://www.ejournalwiraraja.com/index.php/JARS

B. Saputra and A. Fahrur Riza, “Adopsi Payment Gateaway Shariah: Peran Pengetahuan Riba Sebagai Moderasi,” Journal of Business Management and Islamic Banking, vol. 02, no. 01, pp. 1–16, 2023, doi: 10.14421/jbmib.

T. M. M. Puspitasari and D. Maulina, “Implementasi Payment Gateway Menggunakan Midtrans Pada Marketplace Travnesia.Com,” Mobile and Forensics, vol. 1, no. 1, p. 22, Sep. 2019, doi: 10.12928/mf.v1i1.997.

M. M. Al, F. Prawiranegara1, G. L. Putra, and E. Prismana2, “Rancang Bangun Aplikasi Equity Crowdfunding Syariah untuk Usaha Mikro Kecil Menengah berbasis Website menggunakan Payment Gateway Midtrans dengan Framework Laravel,” JEISBI, vol. 02, p. 2021.

Y. Fatman, N. Khoirun Nafisah, and P. Bendoro Jembar Pambudi, “Implementasi Payment Gateway dengan Menggunakan Midtrans pada Website UMKM Geberco,” Jurnal KomtekInfo, pp. 64–72, Jun. 2023, doi: 10.35134/komtekinfo.v10i2.364.

V. Handrianus Pranatawijaya and H. Yulianto, “Penerapan API (Application Programming Interface) MIDTRANS Sebagai Payment Gateway Pada Indekos Berbasis Website.”

Dontes putra, “Implementasi Sharia Complaince dalam Platform Crowdfunding Syariah bagi UMKM Studi Kasus: PT Shafiq Digital Indonesia,” AL-MUTSLA, vol. 6, no. 1, pp. 156–180, Jun. 2024, doi: 10.46870/jstain.v6i1.939.

Robby Cokro Buwono, Rikie Kartadie, and Muhammad Kurnia Ramadhan, “Perancangan dan implementasi sistem payment gateway MIDTRANS untuk UMKM Batik Lurik,” INFOTECH : Jurnal Informatika & Teknologi, vol. 5, no. 2, pp. 228–238, Dec. 2024, doi: 10.37373/infotech.v5i2.1334.

S. Alfarezy, M. F. Ridho, and J. Prayoga, “SISTEM PEMBAYARAN KOS BERBASIS WEB MENGGUNAKAN MIDTRANS PAYMENT GATEWAY,” 2024.

E. P. Harahap, Q. Aini, and R. K. Anam, “PEMANFAATAN TEKNOLOGI BLOCKCHAIN PADA PLATFORM CROWDFUNDING,” 2020.

Angelia Alfatwa Rusandi Siregar, Heny Triastuti Kurnia Ningsih, and Pretty Nur A’yuni Laoli, “Peran Pembayaran Digital Payment Gateway Dalam Meningkatkan Kinerja Keuangan Pada UMKM,” CiDEA Journal, vol. 2, no. 2, pp. 76–86, Dec. 2023, doi: 10.56444/cideajournal.v2i2.1279.

U. Buana, P. Karawang, and H. Artikel, “Pengaruh Digital Payment Gateway (OVO) Terhadap Kinerja Keuangan UMKM Umniyah1, Dedi Mulyadi2”.

K. Cahyaning Tyas, E. R. Susanto, and K. C. Tyas, “Analytical Hierarchy Process Untuk Pemilihan Payment Gateway Pada E-Commerce”.

Posted

2025-07-16