Payment Gateway ARINDO - Secure Payment Platform

Overview

Payment Gateway ARINDO is a dynamic web application crafted to streamline the management of payment gateway clients, similar to platforms like Flip. Built for PT Arthaprada Indonesia, this comprehensive system handles secure payment processing, client management, and integrates with major Indonesian banking APIs.

Project Scope

This enterprise-grade payment gateway provides a complete solution for:

Client Management: Comprehensive dashboard for managing payment gateway clients
Transaction Processing: Secure payment processing with multiple payment methods
Banking Integration: Seamless integration with BRI, BNI, and other major banks
Security Compliance: Bank-grade security with asymmetric encryption and JWT authentication

Key Achievements

User Experience Excellence

Intuitive Design: Developed visually appealing and intuitive website design boosting user engagement
Component Architecture: Utilized component-based architecture for enhanced maintainability and flexibility
Seamless UX Integration: Integrated UX content seamlessly into UI for cohesive user experience
Performance: Optimized for fast loading and smooth user interactions

Security Implementation

Asymmetric Encryption: Implemented RSA encryption for sensitive financial data
Rate Limiting: DDoS protection and abuse prevention mechanisms
JWT Authentication: Secure token-based authentication system
Data Integrity: Ensured data integrity and protection across all transactions

Integration Success

Banking APIs: Successfully integrated BRI, BNI, and other banking APIs
Kredibel Integration: Third-party credit scoring integration
Payment Methods: Multiple payment method support (bank transfer, e-wallet, cards)
Real-time Processing: Live transaction processing and status updates

Technical Architecture

Frontend (Vue.js + Vuetify)

Modern, responsive frontend built with Vue.js and Vuetify:

// Component-based architecture
<template>
  <v-app>
    <v-navigation-drawer app v-model="drawer">
      <v-list>
        <v-list-item to="/dashboard">
          <v-list-item-title>Dashboard</v-list-item-title>
        </v-list-item>
        <v-list-item to="/transactions">
          <v-list-item-title>Transactions</v-list-item-title>
        </v-list-item>
        <v-list-item to="/clients">
          <v-list-item-title>Clients</v-list-item-title>
        </v-list-item>
      </v-list>
    </v-navigation-drawer>

    <v-main>
      <router-view />
    </v-main>
  </v-app>
</template>

<script>
export default {
  name: 'AppLayout',
  data: () => ({
    drawer: true
  }),
  computed: {
    currentUser() {
      return this.$store.getters['auth/user']
    }
  }
}
</script>

Backend (Laravel)

Robust backend API built with Laravel framework:

<?php

namespace App\Http\Controllers\API;

use App\Services\PaymentService;
use App\Services\EncryptionService;
use Illuminate\Http\Request;

class PaymentController extends Controller
{
    protected $paymentService;
    protected $encryption;

    public function __construct(
        PaymentService $paymentService,
        EncryptionService $encryption
    ) {
        $this->paymentService = $paymentService;
        $this->encryption = $encryption;
    }

    public function processPayment(Request $request)
    {
        // Validate request
        $validated = $request->validate([
            'amount' => 'required|numeric|min:1000',
            'bank_code' => 'required|string',
            'account_number' => 'required|string',
        ]);

        // Encrypt sensitive data
        $encrypted = $this->encryption->encrypt([
            'account_number' => $validated['account_number']
        ]);

        // Process payment
        $result = $this->paymentService->process($validated);

        return response()->json($result);
    }
}

Key Features

Client Management Dashboard

Client Portal: Comprehensive dashboard for managing payment gateway clients
Real-time Analytics: Live transaction monitoring and analytics
User Management: Role-based access control for team members
API Keys: Secure API key generation and management

Payment Processing

Multi-Bank Support: Integration with BRI, BNI, and other major banks
E-Wallet Integration: Support for popular e-wallets (GoPay, OVO, Dana)
Virtual Account: Automated virtual account generation
Payment Callbacks: Real-time payment status webhooks

Security Features

Asymmetric Encryption: RSA-2048 for sensitive data encryption
Rate Limiting: IP-based rate limiting for API endpoints
JWT Authentication: Stateless authentication with refresh tokens
Audit Logging: Complete audit trail for all transactions

Banking Integrations

BRI Integration

<?php

namespace App\Services\Banking;

use App\Interfaces\BankInterface;

class BRIService implements BankInterface
{
    public function createVirtualAccount($data)
    {
        $response = Http::withHeaders([
            'Authorization' => 'Bearer ' . $this->getToken(),
            'Content-Type' => 'application/json',
        ])->post($this->baseUrl . '/va/create', [
            'customer_name' => $data['name'],
            'amount' => $data['amount'],
            'expired_date' => $data['expired_date'],
        ]);

        return $response->json();
    }

    public function checkPaymentStatus($vaNumber)
    {
        $response = Http::get($this->baseUrl . '/va/inquiry/' . $vaNumber);
        return $response->json();
    }
}

BNI Integration

<?php

namespace App\Services\Banking;

class BNIService implements BankInterface
{
    public function createVirtualAccount($data)
    {
        $signature = $this->generateSignature($data);

        $response = Http::post($this->baseUrl . '/api/virtual-account', [
            'client_id' => config('services.bni.client_id'),
            'trx_id' => $data['transaction_id'],
            'virtual_account' => $this->generateVA(),
            'customer_name' => $data['name'],
            'trx_amount' => $data['amount'],
            'signature' => $signature,
        ]);

        return $response->json();
    }
}

Component-Based Architecture

Reusable Components

<!-- TransactionTable.vue -->
<template>
  <v-data-table
    :headers="headers"
    :items="transactions"
    :loading="loading"
    class="elevation-1"
  >
    <template v-slot:item.status="{ item }">
      <v-chip :color="getStatusColor(item.status)" small>
        {{ item.status }}
      </v-chip>
    </template>

    <template v-slot:item.actions="{ item }">
      <v-btn icon @click="viewDetails(item)">
        <v-icon>mdi-eye</v-icon>
      </v-btn>
    </template>
  </v-data-table>
</template>

<script>
export default {
  name: 'TransactionTable',
  props: {
    transactions: Array,
    loading: Boolean
  },
  data: () => ({
    headers: [
      { text: 'Transaction ID', value: 'id' },
      { text: 'Amount', value: 'amount' },
      { text: 'Status', value: 'status' },
      { text: 'Date', value: 'created_at' },
      { text: 'Actions', value: 'actions', sortable: false }
    ]
  }),
  methods: {
    getStatusColor(status) {
      const colors = {
        'success': 'green',
        'pending': 'orange',
        'failed': 'red'
      }
      return colors[status] || 'grey'
    }
  }
}
</script>

Security Implementation

Asymmetric Encryption

<?php

namespace App\Services;

class EncryptionService
{
    private $publicKey;
    private $privateKey;

    public function __construct()
    {
        $this->publicKey = config('encryption.public_key');
        $this->privateKey = config('encryption.private_key');
    }

    public function encrypt($data)
    {
        $encrypted = '';
        $dataString = json_encode($data);

        openssl_public_encrypt(
            $dataString,
            $encrypted,
            $this->publicKey,
            OPENSSL_PKCS1_OAEP_PADDING
        );

        return base64_encode($encrypted);
    }

    public function decrypt($encryptedData)
    {
        $decrypted = '';
        $encrypted = base64_decode($encryptedData);

        openssl_private_decrypt(
            $encrypted,
            $decrypted,
            $this->privateKey,
            OPENSSL_PKCS1_OAEP_PADDING
        );

        return json_decode($decrypted, true);
    }
}

Rate Limiting Middleware

<?php

namespace App\Http\Middleware;

use Closure;
use Illuminate\Cache\RateLimiter;

class RateLimitMiddleware
{
    protected $limiter;

    public function __construct(RateLimiter $limiter)
    {
        $this->limiter = $limiter;
    }

    public function handle($request, Closure $next, $maxAttempts = 60, $decayMinutes = 1)
    {
        $key = $this->resolveRequestSignature($request);

        if ($this->limiter->tooManyAttempts($key, $maxAttempts)) {
            return response()->json([
                'error' => 'Too many requests. Please try again later.'
            ], 429);
        }

        $this->limiter->hit($key, $decayMinutes * 60);

        return $next($request);
    }

    protected function resolveRequestSignature($request)
    {
        return sha1($request->ip() . '|' . $request->path());
    }
}

JWT Authentication

<?php

namespace App\Http\Controllers\API;

use Tymon\JWTAuth\Facades\JWTAuth;

class AuthController extends Controller
{
    public function login(Request $request)
    {
        $credentials = $request->only('email', 'password');

        if (!$token = JWTAuth::attempt($credentials)) {
            return response()->json(['error' => 'Unauthorized'], 401);
        }

        return response()->json([
            'access_token' => $token,
            'token_type' => 'bearer',
            'expires_in' => config('jwt.ttl') * 60
        ]);
    }

    public function refresh()
    {
        return response()->json([
            'access_token' => JWTAuth::refresh(),
            'token_type' => 'bearer',
            'expires_in' => config('jwt.ttl') * 60
        ]);
    }
}

Performance Optimizations

Database Optimization

Query Optimization: Indexed frequently queried columns
Eager Loading: Prevented N+1 query problems
Database Caching: Redis caching for heavy queries
Connection Pooling: Efficient database connection management

Frontend Optimization

Code Splitting: Lazy loading for route-based components
Asset Optimization: Minified CSS and JavaScript
Image Optimization: Compressed and lazy-loaded images
Bundle Analysis: Optimized bundle size using webpack

Third-Party Integrations

Kredibel Credit Scoring

<?php

namespace App\Services;

class KredibelService
{
    public function checkCreditScore($data)
    {
        $response = Http::withHeaders([
            'Authorization' => 'Bearer ' . config('services.kredibel.api_key'),
        ])->post(config('services.kredibel.url') . '/credit-check', [
            'nik' => $data['nik'],
            'name' => $data['name'],
            'dob' => $data['dob'],
        ]);

        return [
            'score' => $response->json('credit_score'),
            'status' => $response->json('status'),
            'recommendation' => $response->json('recommendation'),
        ];
    }
}

Monitoring & Analytics

Transaction Monitoring

Real-time Dashboard: Live transaction monitoring
Success Rate Tracking: Monitor payment success rates
Error Analytics: Track and analyze payment failures
Performance Metrics: API response times and throughput

Business Analytics

Revenue Analytics: Daily/monthly revenue reports
Client Analytics: Client transaction patterns
Bank Performance: Compare performance across banks
Fraud Detection: Suspicious transaction alerts

Challenges & Solutions

Challenge 1: Banking API Diversity

Problem: Each bank has different API specifications and requirements.

Solution: Implemented adapter pattern with bank-specific implementations adhering to a common interface.

Challenge 2: Payment Security

Problem: Ensuring secure transmission of sensitive financial data.

Solution: Implemented asymmetric encryption (RSA-2048) and HTTPS-only communication with certificate pinning.

Challenge 3: Transaction Consistency

Problem: Maintaining data consistency during payment processing.

Solution: Implemented database transactions with rollback mechanisms and idempotency keys.

Impact & Results

✅ Client Satisfaction: Positive feedback from enterprise clients
✅ Transaction Volume: Processing thousands of transactions daily
✅ System Uptime: 99.9% uptime since launch
✅ Security: Zero security incidents reported
✅ Integration: Seamlessly integrated 5+ banking APIs

Technologies Used

Frontend

Vue.js 2.x
Vuetify
Vuex (State Management)
Vue Router
Axios

Backend

Laravel 9.x
PHP 8.1
MySQL
Redis
JWT

Security

RSA-2048 Encryption
JWT Authentication
Rate Limiting
HTTPS/TLS 1.3

DevOps

Docker
Nginx
Supervisor
Git

Future Enhancements

[ ] QR Code payment support
[ ] Cryptocurrency payment integration
[ ] Advanced fraud detection with ML
[ ] Mobile app for clients
[ ] International payment support

Lessons Learned

Security First: Implementing strong security measures from the start prevents costly refactoring
Component Reusability: Well-designed components significantly speed up development
API Design: Consistent API design makes integration easier for clients
Documentation: Clear documentation reduces support burden and improves adoption

Conclusion

Payment Gateway ARINDO demonstrates my ability to build secure, scalable fintech applications with complex third-party integrations. This project showcases expertise in Vue.js, Laravel, banking APIs, and implementing bank-grade security measures.

This payment gateway serves PT Arthaprada Indonesia's enterprise clients, providing secure and reliable payment processing with seamless banking integrations.