{"id":72185,"date":"2026-08-26T16:57:00","date_gmt":"2026-08-26T09:57:00","guid":{"rendered":"https:\/\/faspay.co.id\/?p=72185"},"modified":"2026-08-27T21:08:21","modified_gmt":"2026-08-27T14:08:21","slug":"sharia-payment-gateway","status":"publish","type":"post","link":"https:\/\/faspay.co.id\/en\/blog\/sharia-payment-gateway\/","title":{"rendered":"Sharia Payment Gateway: What It Is and How to Choose One"},"content":{"rendered":"\n<p>Faspay Blog<\/p>\n<p>Find out about online business tips, payment technology, digital marketing, and everything you need to know about Faspay.<\/p>\n\t<a property=\"item\" typeof=\"WebPage\" title=\"Go to Faspay.\" href=\"https:\/\/faspay.co.id\/en\/\">Faspay<\/a><meta property=\"position\" content=\"1\"> &gt; Private: Sharia Payment Gateway: What It Is and How to Choose One<meta property=\"url\" content=\"https:\/\/faspay.co.id\/en\/blog\/sharia-payment-gateway\/\"><meta property=\"position\" content=\"2\"><h1><span class=\"ez-toc-section\" id=\"Sharia_Payment_Gateway_What_It_Is_and_How_to_Choose_One\"><\/span>\n\t\t\tSharia Payment Gateway: What It Is and How to Choose One\t<span class=\"ez-toc-section-end\"><\/span><\/h1><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/faspay.co.id\/en\/blog\/sharia-payment-gateway\/#Sharia_Payment_Gateway_What_It_Is_and_How_to_Choose_One\" >Sharia Payment Gateway What It Is and How to Choose One<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/faspay.co.id\/en\/blog\/sharia-payment-gateway\/#What_Is_a_Sharia_Payment_Gateway\" >What Is a Sharia Payment Gateway?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/faspay.co.id\/en\/blog\/sharia-payment-gateway\/#How_Does_a_Sharia_Payment_Gateway_Work\" >How Does a Sharia Payment Gateway Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/faspay.co.id\/en\/blog\/sharia-payment-gateway\/#What_Are_the_Benefits_of_a_Sharia_Payment_Gateway_for_Businesses\" >What Are the Benefits of a Sharia Payment Gateway for Businesses?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/faspay.co.id\/en\/blog\/sharia-payment-gateway\/#How_to_Choose_a_Sharia_Payment_Gateway\" >How to Choose a Sharia Payment Gateway<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/faspay.co.id\/en\/blog\/sharia-payment-gateway\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\t\t\t\t\t\t\t\t<a href=\"mailto:?body=https:\/\/faspay.co.id\/en\/?p=72185&amp;fl_builder\">\n\t\t\t\t\t\t\t\t\t\t\t\tShare on Email\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.facebook.com\/sharer.php?u=https:\/\/faspay.co.id\/en\/?p=72185&amp;fl_builder&amp;title=Private%3A+Sharia+Payment+Gateway%3A+What+It+Is+and+How+to+Choose+One\">\n\t\t\t\t\t\t\t\t\t\t\t\tShare on Facebook\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/faspay.co.id\/en\/?p=72185&amp;fl_builder&amp;text=Private%3A+Sharia+Payment+Gateway%3A+What+It+Is+and+How+to+Choose+One\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i>\ud835\udd4f<\/i>\n\t\t\t\t\t\t\t\t\t\t\t\tShare on X\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/api.whatsapp.com\/send?text=https:\/\/faspay.co.id\/en\/?p=72185&amp;fl_builder\">\n\t\t\t\t\t\t\t\t\t\t\t\tShare on WhatsApp\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/eg9mp7d8pz2.exactdn.com\/wp-content\/uploads\/2026\/08\/New-Thumbnail-Aug-Payment-Gateway-Syariah-ENG-1.png?strip=all&lossy=1&webp=85&resize=1080%2C720&ssl=1\" alt=\"sharia-payment-gateway\" itemprop=\"image\" height=\"720\" width=\"1080\" title=\"sharia-payment-gateway\" onerror=\"this.style.display='none'\" loading=\"lazy\">\n\t<p>Sharia payment gateway is a digital payment solution that helps businesses accept and process transactions while taking relevant Sharia principles into consideration.<\/p>\n<p>For businesses operating based on Sharia principles, a payment process should not only be convenient and secure but also align with the principles underlying their business activities.<\/p>\n<p>So, how does a Sharia payment gateway work, and what should businesses consider before choosing one? Find out below.<\/p>\n<p><b>Read More:<\/b><a href=\"https:\/\/faspay.co.id\/en\/blog\/payment-gateway-for-business\/\"> <b>Understanding Payment Gateways for Businesses<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_a_Sharia_Payment_Gateway\"><\/span>\n\t\t\tWhat Is a Sharia Payment Gateway?\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p>A Sharia payment gateway is a digital payment system that facilitates transactions between businesses and customers while considering relevant Sharia principles and requirements.<\/p>\n<p>In general, a payment gateway helps businesses accept and process payments through multiple payment methods digitally. However, in a Sharia-based context, the technology itself is not the only aspect that needs to be considered.<\/p>\n<p>The transaction mechanism, clarity of contractual arrangements, transparency of information, and the nature of the transaction or underlying goods and services can also be relevant.<\/p>\n<p>In Indonesia, the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) has issued guidance on online transactions based on Sharia principles, including Fatwa No. 146\/DSN-MUI\/XII\/2021 concerning <i>Online Shops Based on Sharia Principles<\/i>. The guidance addresses, among other things, clarity in contractual arrangements, permissible transaction objects, and transparency of information.<\/p>\n<p>In short, a payment gateway is the technology used to process payments, while the Sharia aspect relates to whether the overall transaction mechanism and the relationships between the parties follow relevant Sharia principles.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Does_a_Sharia_Payment_Gateway_Work\"><\/span>\n\t\t\tHow Does a Sharia Payment Gateway Work?\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p>A Sharia payment gateway works by facilitating digital transactions between customers, businesses, and payment providers while supporting a transaction mechanism that takes relevant Sharia principles into account.<\/p>\n<p>The general process typically involves the following steps:<\/p>\n<ol>\n<li aria-level=\"1\">A customer selects a product or service.<\/li>\n<li aria-level=\"1\">The business displays the price and relevant transaction information.<\/li>\n<li aria-level=\"1\">The customer chooses a payment method.<\/li>\n<li aria-level=\"1\">The payment gateway processes or forwards the payment instruction.<\/li>\n<li aria-level=\"1\">The system verifies the transaction.<\/li>\n<li aria-level=\"1\">The business receives a payment notification.<\/li>\n<li aria-level=\"1\">Funds are processed according to the applicable settlement mechanism.<\/li>\n<\/ol>\n<p>In a Sharia-based transaction, important information-such as the goods or services being purchased, the price, and the payment terms-should also be clearly communicated to the parties involved.<\/p>\n<p>This emphasis on clarity and transparency is an important consideration in online transactions conducted according to Sharia principles.<\/p>\n<p><b>Read More: <\/b><a href=\"https:\/\/faspay.co.id\/en\/blog\/how-a-payment-gateway-works\/\"><b>How a Payment Gateway Works Behind Every Online Transaction<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_the_Benefits_of_a_Sharia_Payment_Gateway_for_Businesses\"><\/span>\n\t\t\tWhat Are the Benefits of a Sharia Payment Gateway for Businesses?\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p>A Sharia payment gateway can help businesses accept digital payments while supporting transaction requirements that take relevant Sharia principles into account. Potential benefits include the following:<\/p>\n<h3><b>1. Supporting Consistency in Sharia-Based Businesses<\/b><\/h3>\n<p>For businesses offering Sharia-based products or services, payment is part of the broader business ecosystem.<\/p>\n<p>Choosing a payment solution that aligns with the business&#8217;s requirements can help create greater consistency between its values, operations, and transaction processes.<\/p>\n<h3><b>2. Building Customer Trust<\/b><\/h3>\n<p>For customers who consider Sharia principles when choosing products or services, clear and transparent transaction processes may help build trust.<\/p>\n<p>Payment is also one of the final stages of the customer journey. A clear and straightforward payment experience can help reduce uncertainty before a purchase is completed.<\/p>\n<h3><b>3. Making Digital Payments Easier to Accept<\/b><\/h3>\n<p>Like payment gateways in general, a Sharia payment gateway may help businesses accept multiple digital payment methods through a more centralized process.<\/p>\n<p>Depending on the provider, available payment methods may include:<\/p>\n<ul>\n<li aria-level=\"1\">virtual accounts;<\/li>\n<li aria-level=\"1\">QRIS;<\/li>\n<li aria-level=\"1\">bank transfers;<\/li>\n<li aria-level=\"1\">cards; or<\/li>\n<li aria-level=\"1\">other digital payment methods.<\/li>\n<\/ul>\n<p><b>Read More:<\/b> <a href=\"https:\/\/faspay.co.id\/en\/blog\/e-wallet-payments\/\"><b>How to Accept E-Wallet Payments for Your Business<\/b><\/a><\/p>\n<h3><b>4. Improving Transaction Management<\/b><\/h3>\n<p>Payment gateway solutions can also help businesses manage transactions through a more structured system.<\/p>\n<p>Depending on the provider, available features may include:<\/p>\n<ul>\n<li aria-level=\"1\">transaction dashboards;<\/li>\n<li aria-level=\"1\">payment notifications;<\/li>\n<li aria-level=\"1\">transaction reports;<\/li>\n<li aria-level=\"1\">API integrations;<\/li>\n<li aria-level=\"1\">payment links; and<\/li>\n<li aria-level=\"1\">other integration methods.<\/li>\n<\/ul>\n<p><b>Read More:<\/b><a href=\"https:\/\/faspay.co.id\/id\/blog\/mengenal-payment-link\/\"> <b>What Is a Payment Link? Definition, Functions, and Benefits<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Choose_a_Sharia_Payment_Gateway\"><\/span>\n\t\t\tHow to Choose a Sharia Payment Gateway\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p>To choose a Sharia payment gateway, businesses should evaluate its Sharia-related framework, fee transparency, security, available payment methods, integration options, and settlement process.<\/p>\n<p>Here are several factors to consider.<\/p>\n<h3><b>1. Review the Basis for Sharia Compliance<\/b><\/h3>\n<p>Do not choose a provider based solely on a &#8220;Sharia-compliant&#8221; claim. Make sure the business understands the framework and mechanisms supporting that claim.<\/p>\n<p>Consider asking:<\/p>\n<ul>\n<li aria-level=\"1\">Is there documentation explaining the provider&#8217;s Sharia compliance framework?<\/li>\n<li aria-level=\"1\">Who is responsible for reviewing or overseeing Sharia-related compliance?<\/li>\n<li aria-level=\"1\">What governance mechanisms are in place?<\/li>\n<li aria-level=\"1\">How does the provider handle transactions that may not align with the principles being applied?<\/li>\n<\/ul>\n<p>If your business requires formal Sharia compliance assessment, consult a qualified professional or institution with the appropriate expertise and authority.<\/p>\n<h3><b>2. Make Sure the Fee Structure Is Transparent<\/b><\/h3>\n<p><b>Businesses should understand the payment gateway&#8217;s fees before using the service.<\/b><\/p>\n<p>Check for:<\/p>\n<ul>\n<li aria-level=\"1\">transaction fees;<\/li>\n<li aria-level=\"1\">integration fees;<\/li>\n<li aria-level=\"1\">additional service fees;<\/li>\n<li aria-level=\"1\">refund fees;<\/li>\n<li aria-level=\"1\">settlement fees; and<\/li>\n<li aria-level=\"1\">other terms that may affect operational costs.<\/li>\n<\/ul>\n<p>Rather than comparing transaction fees alone, consider the total cost based on your business&#8217;s transaction volume and payment patterns.<\/p>\n<p><b>Read More:<\/b><a href=\"https:\/\/faspay.co.id\/en\/blog\/payment-gateway-fees\/\"><b> Payment Gateway Fees Businesses Should Know<\/b><\/a><\/p>\n<h3><b>3. Match Payment Methods With Customer Preferences<\/b><\/h3>\n<p><b>The right payment gateway should offer payment methods that are relevant to how your customers prefer to pay.<\/b><\/p>\n<p>If payment data is available, use it to identify the most frequently used payment methods.<\/p>\n<p>For example, if most customers prefer QRIS and virtual accounts, improving the payment experience for those methods may be more valuable than simply choosing a provider with the highest number of payment channels.<\/p>\n<h3><b>4. Review the Provider&#8217;s Security Measures<\/b><\/h3>\n<p>Security should be a key consideration when choosing a payment gateway.<\/p>\n<p>Businesses should understand how the provider addresses:<\/p>\n<ul>\n<li aria-level=\"1\">data protection;<\/li>\n<li aria-level=\"1\">authentication;<\/li>\n<li aria-level=\"1\">suspicious transactions;<\/li>\n<li aria-level=\"1\">fraud risks;<\/li>\n<li aria-level=\"1\">system disruptions; and<\/li>\n<li aria-level=\"1\">transaction disputes.<\/li>\n<\/ul>\n<p><b>Read More: <\/b><a href=\"https:\/\/faspay.co.id\/en\/blog\/payment-fraud-detection-system\/\"><b>Dissecting Payment Fraud Detection System<\/b><\/a><\/p>\n<h3><b>5. Understand Settlement and Reconciliation<\/b><\/h3>\n<p>A clear settlement and reconciliation process can help businesses manage transactions more effectively.<\/p>\n<p>Before choosing a provider, ask:<\/p>\n<ul>\n<li aria-level=\"1\">When will funds be received?<\/li>\n<li aria-level=\"1\">How are transaction statuses reported?<\/li>\n<li aria-level=\"1\">How are failed transactions handled?<\/li>\n<li aria-level=\"1\">How does the refund process work?<\/li>\n<li aria-level=\"1\">How can transaction reports support reconciliation?<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>\n\t\t\tConclusion\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p>A Sharia payment gateway is a digital payment solution that helps businesses accept and process transactions while considering relevant Sharia principles and requirements.<\/p>\n<p>However, businesses should not choose a solution based solely on a &#8220;Sharia&#8221; label. Before selecting a payment provider, evaluate the transaction mechanism, the basis for any Sharia-related claims, fee transparency, security, payment methods, integration capabilities, settlement processes, and operational requirements.<\/p>\n<p>The right payment infrastructure can help businesses create a more efficient payment experience while supporting their broader operational needs and the principles they aim to apply.<\/p>\n<p><strong>Visit Faspay and<a href=\"https:\/\/faspay.co.id\/id\/daftar\/\"> register your business as a merchant<\/a><\/strong> to explore a secure and reliable payment gateway solution for your business.<\/p>\n\t\t\t<a href=\"https:\/\/faspay.co.id\/id\/daftar\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tRegister Now\n\t\t\t\t\t<\/a>\n<h3>\n\t\t\tLihat Artikel Lainnya\t<\/h3>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Discover how a Sharia payment gateway works and choose the right one for your business.<\/p>\n","protected":false},"author":37,"featured_media":72186,"comment_status":"closed","ping_status":"open","sticky":false,"template":"tpl-full-width.php","format":"standard","meta":{"footnotes":""},"categories":[410,538,592],"tags":[],"class_list":["post-72185","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-faspay-update","category-insights"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/posts\/72185","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/users\/37"}],"replies":[{"embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/comments?post=72185"}],"version-history":[{"count":3,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/posts\/72185\/revisions"}],"predecessor-version":[{"id":72193,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/posts\/72185\/revisions\/72193"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/media\/72186"}],"wp:attachment":[{"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/media?parent=72185"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/categories?post=72185"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/tags?post=72185"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}