Integration Model of Multiple Payment Gateways for Online Split Payment Scenario

Payment is one of the key features in digital marketplace applications. Along with the advance of technology, many Fintech companies bring a lot of variances of digital money such as e-money which acts as an alternative payment option. Nowadays, Payment Gateway has been used to handle most of the process required for online payment transactions, including e-money payment model. Yet, the problem on implementing Payment Gateway is the limitation of various payment methods. In Indonesia, there are two well-known e-money that are very often used for online transaction which are GoPay and OVO. However, those payment method provided in separated payment gateways. In order to provide better experiences and more payment options to the user in single application, this study has explored the possibilities of integrating two different Payments Gateways which are Midtrans and Xendit and implementing them by using core API integration method for sample web app application prototype. For the result of the study, the architecture of integration model between these two payment gateways is successfully developed and tested, especially for splitting payment scenario between two e-money payment models from different payment gateways. Both payment gateways are integrated into a backend of marketplace scenarios where in this split payment scenarios might commonly occur.