Indonesia Payment Gateway Infrastructure

Infrastruktur pembayaran yang siap bertumbuh.

Quen Payment menghadirkan Pay-In QRIS, signed API request, real-time callback, transaction monitoring, merchant wallet, dan settlement dalam satu ekosistem yang dirancang untuk integrasi merchant modern.

✓ Signed API Request
✓ Real-time Callback
✓ Transaction Monitoring
Q
Merchant TransactionQNMERT••••••
LIVE
Payment Amount
Rp250.003
QR
QRIS DynamicPayment Method
PENDING
✓
API request authenticated10:21:05
✓
QRIS generated10:21:06
•
Waiting customer paymentLive
HMACAPI Security
QRISPay-In Channel
WebhookReal-time Status
24/7Transaction infrastructure
APIBackend-first integration
QRISDynamic payment creation
LiveCallback delivery monitoring
Payment Infrastructure

Semua komponen utama payment gateway dalam satu sistem.

Merchant dapat membuat transaksi, menerima QRIS, memantau status, melihat settlement, mengaudit callback, dan mengelola credential API tanpa memecah alur integrasi.

QR

QRIS Pay-In

Pembuatan QRIS dinamis dengan amount, payment amount, unique code, expiration, dan transaction identifier.

Active
API

Merchant API

API key, timestamp, nonce, body hash, dan HMAC signature untuk mengautentikasi setiap request merchant.

Developer Ready
↗

Signed Callback

Event payment.success dikirim ke callback URL merchant dengan delivery status dan retry metadata.

Real-time
W

Merchant Wallet

Saldo merchant, settlement ledger, fee snapshot, gross, net amount, dan histori movement terpusat.

Settlement
↓

Withdrawal

Settlement merchant dengan lifecycle status, frozen balance, fee, rekening tujuan, dan proof.

Managed
LOG

Monitoring

Audit order ID, merchant order ID, provider transaction, callback delivery, HTTP response, dan status.

Observable
Payment Lifecycle

Alur transaksi yang mudah dipahami dan mudah diaudit.

Quen memisahkan request merchant, provider processing, payment confirmation, settlement, dan merchant callback agar status setiap tahap dapat ditelusuri.

01

Create Payment

Merchant mengirim order ID dan amount.

02

Generate QRIS

Quen memilih channel dan membuat QRIS.

03

Customer Pays

Pelanggan membayar payment amount.

04

Confirm Success

Transaksi berubah menjadi SUCCESS.

05

Send Callback

payment.success dikirim ke merchant.

Developer First

API sederhana di permukaan, proteksi kuat di belakang.

Merchant dapat menggunakan Laravel, PHP, Node.js, Go, Python, atau backend lain selama mampu melakukan HTTPS request dan HMAC signing.

POST /api/v1/payment/create
Membuat transaksi Pay-In QRIS.
POST /api/v1/payment/query
Mengecek transaksi secara server-to-server.
payment.success webhook
Callback asynchronous saat pembayaran terkonfirmasi.
Create QRIS — API Example
POST /api/v1/payment/create

{
  "order_id": "INV-20260820-001",
  "amount": 250000
}

Response

{
  "success": true,
  "code": "PAYMENT_CREATED",
  "data": {
    "quen_order_id": "QNP20260820...",
    "status": "PENDING",
    "payment_method": "QRIS",
    "amount": 250000,
    "payment_amount": 250003,
    "unique_code": 3,
    "qr_string": "00020101..."
  }
}
Security Architecture

Keamanan transaksi dibangun ke dalam alur API.

SECURE INFRASTRUCTURE

Backend-first security untuk merchant modern.

Credential sensitif tidak perlu dipaparkan ke browser. Request dan callback menggunakan server-to-server verification.

API KeyMerchant identification
HMAC-SHA256Request signature
Timestamp + NonceReplay protection
Webhook SignatureCallback verification
Server-to-Server Authentication

Request sensitif divalidasi sebelum masuk ke payment processing.

Audit-Friendly Logging

Transaction lifecycle dan callback delivery dapat ditelusuri dari panel.

Idempotent Processing

Callback berulang tidak boleh menggandakan kredit transaksi.

Satu integrasi untuk menjalankan pembayaran merchant.

Kelola transaksi, wallet, settlement, callback, API credential, dan dokumentasi dari satu Merchant Portal.

Merchant Portal