Bot Jualan dengan Payment Gateway

Manual konfirmasi transfer? Kuno!

Integrasi payment gateway membuat proses pembayaran 100% otomatis - customer bayar, sistem verify, order langsung diproses.

Kenapa Payment Gateway?

📊 MANUAL vs PAYMENT GATEWAY:

MANUAL TRANSFER:
❌ Kirim rekening manual
❌ Customer screenshot bukti
❌ Cek mutasi satu-satu
❌ Human error (salah nominal)
❌ Delay verifikasi

PAYMENT GATEWAY:
✅ Auto-generate payment link
✅ Multiple payment options
✅ Real-time verification
✅ Auto update order status
✅ 24/7 processing

Payment Gateway Options

💳 POPULAR DI INDONESIA:

MIDTRANS:
- Bank transfer, VA, e-wallet
- Fee: 0.7% - 2.9%
- Trusted by Tokopedia, Gojek

XENDIT:
- VA, e-wallet, retail outlet
- Fee: 0.6% - 2.5%
- Good API documentation

DUITKU:
- Affordable fees
- Fee: 0.5% - 2%
- SME friendly

IPAYMU:
- Local option
- Fee: 1% - 2.5%
- Easy integration

FLIP:
- Bank transfer focus
- Fee: Rp 2,500 flat
- Good for B2B

Flow dengan Payment Gateway

📱 CUSTOMER JOURNEY:

1. Customer order via bot
   "Mau pesan Produk A 2 pcs"

2. Bot generate payment link
   "Total Rp 200.000, bayar di sini: [LINK]"

3. Customer klik & pilih metode
   VA, GoPay, OVO, QRIS, etc.

4. Customer bayar
   Langsung di app mereka

5. Payment gateway notify bot
   Webhook: "Payment received!"

6. Bot update customer
   "Pembayaran diterima! Pesanan diproses."

7. Order auto-fulfilled
   Langsung masuk sistem!

Template Messages

Payment Link:

💳 PEMBAYARAN

Order: #ORD-20260217-001

📋 Ringkasan:
━━━━━━━━━━━━━━━━━━━━
- Produk A x 2 - Rp 150.000
- Produk B x 1 - Rp 50.000
━━━━━━━━━━━━━━━━━━━━
Subtotal: Rp 200.000
Ongkir: Rp 15.000
TOTAL: Rp 215.000

💳 BAYAR SEKARANG:
👉 [PAYMENT LINK]

Metode tersedia:
- Transfer Bank (VA)
- GoPay, OVO, DANA
- QRIS
- Indomaret/Alfamart

⏰ Link berlaku 24 jam

Sudah bayar? Otomatis terverifikasi!

VA Instructions:

🏦 VIRTUAL ACCOUNT

Order: #ORD-20260217-001
Total: Rp 215.000

Pilih bank untuk VA:

1️⃣ BCA VA
2️⃣ Mandiri VA
3️⃣ BNI VA
4️⃣ BRI VA
5️⃣ Permata VA

Ketik angka untuk dapat nomor VA!

Atau bayar via:
6️⃣ E-Wallet (GoPay/OVO/DANA)
7️⃣ QRIS
8️⃣ Retail (Indomaret/Alfa)

VA Number Generated:

🏦 NOMOR VIRTUAL ACCOUNT

Order: #ORD-20260217-001

Bank: BCA
━━━━━━━━━━━━━━━━━━━━
VA Number: 7007081234567890
Nominal: Rp 215.000 (exact)
━━━━━━━━━━━━━━━━━━━━

⏰ Bayar sebelum:
   18 Feb 2026, 14:30 WIB

CARA BAYAR:
📱 M-Banking:
1. Login BCA mobile
2. Menu Transfer > Virtual Account
3. Masukkan no VA di atas
4. Konfirmasi & bayar

🏧 ATM:
1. Pilih Transaksi Lainnya
2. Transfer > Virtual Account
3. Masukkan no VA
4. Konfirmasi nominal

✅ Pembayaran otomatis terverifikasi!

E-Wallet (QRIS):

📱 BAYAR VIA QRIS

Order: #ORD-20260217-001
Total: Rp 215.000

[QRIS IMAGE]

Scan QR di atas dengan:
- GoPay
- OVO
- DANA
- ShopeePay
- LinkAja
- Semua e-wallet QRIS

⏰ QR berlaku: 30 menit

Setelah bayar, otomatis terverifikasi!

Payment Success:

✅ PEMBAYARAN BERHASIL!

Order: #ORD-20260217-001

Terima kasih! Pembayaran diterima 🎉

📋 Detail:
━━━━━━━━━━━━━━━━━━━━
Nominal: Rp 215.000
Metode: BCA Virtual Account
Waktu: 17 Feb 2026, 14:25 WIB
━━━━━━━━━━━━━━━━━━━━

📦 Status Order: DIPROSES

Estimasi kirim: Hari ini!
Kami akan kirim no resi
setelah paket dijemput kurir.

Terima kasih sudah belanja! 💕

Payment Expired:

⚠️ PEMBAYARAN EXPIRED

Order: #ORD-20260217-001

Maaf, waktu pembayaran sudah habis 😔

Pesanan otomatis dibatalkan.

Mau order ulang?
Ketik ORDER ULANG untuk 
generate link pembayaran baru!

Stok produk yang kakak pesan
masih tersedia kok! 😊

Implementation

Create Payment (Midtrans):

javascript

const midtransClient = require('midtrans-client');

const snap = new midtransClient.Snap({
    isProduction: false,
    serverKey: process.env.MIDTRANS_SERVER_KEY,
    clientKey: process.env.MIDTRANS_CLIENT_KEY
});

async function createPayment(order) {
    const parameter = {
        transaction_details: {
            order_id: order.id,
            gross_amount: order.total
        },
        customer_details: {
            first_name: order.customerName,
            phone: order.customerPhone
        },
        item_details: order.items.map(item => ({
            id: item.productId,
            price: item.price,
            quantity: item.quantity,
            name: item.name
        })),
        expiry: {
            unit: 'hours',
            duration: 24
        }
    };
    
    const transaction = await snap.createTransaction(parameter);
    
    return {
        paymentUrl: transaction.redirect_url,
        token: transaction.token
    };
}

Create VA (Xendit):

javascript

const Xendit = require('xendit-node');
const xendit = new Xendit({ secretKey: process.env.XENDIT_SECRET });

async function createVirtualAccount(order, bankCode) {
    const { VirtualAcc } = xendit;
    const va = new VirtualAcc({});
    
    const virtualAccount = await va.createFixedVA({
        externalID: order.id,
        bankCode: bankCode, // BCA, MANDIRI, BNI, BRI
        name: order.customerName,
        expectedAmt: order.total,
        expirationDate: new Date(Date.now() + 24 * 60 * 60 * 1000)
    });
    
    return {
        vaNumber: virtualAccount.account_number,
        bankCode: virtualAccount.bank_code,
        expectedAmount: virtualAccount.expected_amount,
        expirationDate: virtualAccount.expiration_date
    };
}

Webhook Handler:

javascript

// Handle payment notification
app.post('/webhook/payment', async (req, res) => {
    const notification = req.body;
    
    // Verify signature (important!)
    const isValid = verifySignature(notification);
    if (!isValid) {
        return res.status(401).send('Invalid signature');
    }
    
    const orderId = notification.order_id;
    const status = notification.transaction_status;
    
    if (status === 'settlement' || status === 'capture') {
        // Payment successful
        await db.orders.updateOne(
            { id: orderId },
            { 
                $set: { 
                    paymentStatus: 'paid',
                    paidAt: new Date(),
                    paymentMethod: notification.payment_type
                }
            }
        );
        
        // Notify customer
        const order = await db.orders.findOne({ id: orderId });
        await sendPaymentSuccessMessage(order);
        
        // Trigger fulfillment
        await startFulfillment(order);
    }
    
    if (status === 'expire') {
        // Payment expired
        await db.orders.updateOne(
            { id: orderId },
            { $set: { paymentStatus: 'expired', status: 'cancelled' } }
        );
        
        const order = await db.orders.findOne({ id: orderId });
        await sendPaymentExpiredMessage(order);
    }
    
    res.status(200).send('OK');
});

Payment Options

Let Customer Choose:

javascript

async function handlePaymentChoice(phone, orderId, choice) {
    const order = await db.orders.findOne({ id: orderId });
    
    switch (choice) {
        case '1': // BCA VA
            const bcaVA = await createVirtualAccount(order, 'BCA');
            await sendVAMessage(phone, bcaVA, 'BCA');
            break;
            
        case '6': // E-Wallet
            const ewalletLink = await createEwalletPayment(order);
            await sendEwalletMessage(phone, ewalletLink);
            break;
            
        case '7': // QRIS
            const qris = await createQRIS(order);
            await sendQRISMessage(phone, qris);
            break;
            
        default:
            await sendPaymentOptionsMenu(phone, orderId);
    }
}

Best Practices

DO ✅

- Multiple payment options
- Clear instructions per method
- Real-time status updates
- Handle expiry gracefully
- Retry payment option
- Secure webhook verification

DON'T ❌

- Single payment method only
- No timeout handling
- Manual verification
- Ignore failed payments
- No payment confirmation
- Skip signature verification

FAQ

Payment gateway mana yang terbaik?

Tergantung kebutuhan. Midtrans untuk fitur lengkap, Xendit untuk API bagus, Duitku untuk biaya murah.

Berapa fee payment gateway?

0.5% - 3% tergantung metode. VA biasanya flat Rp 4,000-5,000. E-wallet sekitar 1.5-2%.

Perlu verifikasi manual juga?

Tidak! Payment gateway handle semua. Tapi siapkan fallback untuk edge cases.

Kesimpulan

Payment gateway = Autopilot payments!

Integrate Payment Gateway →

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