\n| Additional documents<\/td>\n | Depending on the business model and risk category<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n <\/p>\n Because requirements may change, businesses should always check the latest registration requirements directly with their selected payment gateway provider before submitting an application.<\/p>\n <\/span>\n\t\t\tHow Does Payment Gateway Registration Work?\t<\/span><\/h2>\n\tThe payment gateway registration process<\/b> generally consists of five stages:<\/p>\n\n- Choose a payment gateway provider<\/li>\n
- Complete the merchant registration form<\/li>\n
- Submit documents and complete KYC (Know Your Customer) process<\/li>\n
- Integrate the payment gateway<\/li>\n
- Test transactions and activate the account<\/li>\n<\/ol>\n
Here is what to expect at each stage.<\/p>\n 1. Choose the Right Payment Gateway<\/b><\/h3>\nThe first step is to select a payment gateway that matches your business requirements.<\/p>\n Instead of comparing providers based only on transaction fees, consider the complete payment infrastructure you will need.<\/p>\n 2. Complete the Merchant Registration Form<\/b><\/h3>\nAfter selecting a provider, merchants typically need to complete a registration form.<\/p>\n The information requested may include:<\/p>\n \n- Business name<\/li>\n
- Company name<\/li>\n
- Business category<\/li>\n
- Contact information<\/li>\n
- Website or application<\/li>\n
- Estimated transaction volume<\/li>\n
- Required payment methods<\/li>\n
- Settlement account information<\/li>\n
- Owner or management information<\/li>\n<\/ul>\n
3. Submit Documents and Complete KYC<\/b><\/h3>\nAfter registration, merchants need to provide the documents requested by the payment gateway provider.<\/p>\n KYC, or Know Your Customer, is the process of verifying a merchant’s identity and business information before payment services can be activated.<\/b><\/p>\n Depending on the provider and business category, the verification process may involve reviewing:<\/p>\n \n- Company legality<\/li>\n
- Owner or management identity<\/li>\n
- Business activities<\/li>\n
- Website or application<\/li>\n
- Products or services<\/li>\n
- Transaction information<\/li>\n
- Other information relevant to transaction risk<\/li>\n<\/ul>\n
KYC is an important part of the payment ecosystem because payment service providers are subject to governance, risk management, and information-system requirements under Bank Indonesia’s payment system framework.<\/p>\n 4. Integrate the Payment Gateway<\/b><\/h3>\nOnce the merchant has been approved, the next step is integrating the payment gateway with the business’s website, application, or other transaction system.<\/p>\n Depending on the provider and technology stack, integration may be available through:<\/p>\n \n- API<\/li>\n
- Plugin<\/li>\n
- SDK<\/li>\n
- Hosted payment page<\/li>\n
- E-commerce platform integration<\/li>\n<\/ul>\n
For businesses with custom websites or applications, developers typically integrate the payment gateway API into the checkout flow.<\/p>\n Businesses using supported e-commerce platforms may be able to use existing plugins or integrations instead, reducing development requirements.<\/p>\n 5. Test Transactions and Activate the Account<\/b><\/h3>\nBefore accepting live payments, merchants should test the payment integration.<\/p>\n Testing may include:<\/p>\n \n- Creating a test transaction<\/li>\n
- Selecting different payment methods<\/li>\n
- Confirming successful transaction status<\/li>\n
- Testing payment notifications<\/li>\n
- Checking settlement records<\/li>\n
- Testing successful and failed transactions<\/li>\n
- Checking transaction reconciliation<\/li>\n<\/ul>\n
A proper testing process helps ensure that the payment flow works correctly before customers begin making live transactions.<\/p>\n Once integration and testing are complete, the merchant can move to production and begin accepting customer payments.<\/p>\n <\/span>\n\t\t\tHow Much Does Payment Gateway Registration Cost?\t<\/span><\/h2>\n\tPayment gateway registration fees vary by provider.<\/b> Some providers charge setup or registration fees, while others may allow merchants to register without an upfront fee and charge transaction-based fees instead.<\/p>\n Is there a payment gateway with no registration fee? <\/b>Yes. Some payment gateway providers do not charge an initial registration or setup fee.<\/p>\n For example, Faspay does not charge merchant registration\/setup fee. <\/b>Merchants are charged when successful transactions occur, while failed transactions are not charged. Specific service fees depend on the applicable payment service and merchant agreement.<\/p>\n |