Abstract

The development of the digital world affects the development of business in the financial sector. The payment process is crucial in both large and small businesses. Currently, there are many payment gateway providers that MSMEs can use to process their sales transactions. The purpose of this study is to find out what payment gateways are used by MSMEs and the reasons for using these payment gateways. The research method is 97 MSMEs from various business categories. Data was collected using an online survey. Data analysis is done to find the determining factors through coding and cross-case analysis. The results of this study indicate that there are various variations in the use of payment gateways. Ease of transaction processing and ease of access to transaction data are important factors in choosing a payment gateway. This research is useful for payment gateway service providers to find out the habits and reasons of MSMEs to use payment gateways as sales. Understanding of the use of payment gateways can help providers provide key features and make more precise offer points.

Keywords 

MSMEs, payment gateway, transaction, e-business, e-payment