Implementation of Electronic Bill Presentment and Payment (EBPP) transactions in E-Payment

Dimas Raihan Mahardika – 2301909535

EBPP in the world of Business to Consumer (B2C) is    familiar  considering that many  e-Commerce and e-Marketplace  have  many  who use EBPP payment     methods.    As   I mentioned    above  EBPP  can be  a  direct  bill  or  a bill that is  withdrawn    automatically  depending  on  its function  and  needs.  Example; SPP payment   methods  at the University in  general require students and  students  to    provide  money  according to the amount and  price  of  SPP  to be withdrawn  into the  University’s account   (Bill Payment),  so  Also  when  we  want to  do    online advocacy such as    buying    clothes. Once  we  find  a  suitable model and  size  and  proceed  to the payment page, thedatabase of the e-Commerce  or  e-Marketplace  will issue a  digital invoice of the total price of  goods,   taxes  As well as the cost of  shipping  to the buyer’s  location    over the internet,  the buyer  will  then  proceed  to the payment  page and transfer the funds.

Electronic Bill Presentment  and Payment has    helped    many  startup  businesses as well and MSMEs  for  several  decades,   now small  online shops  on  social media have  also  used  bank transfer  methods.   Why  is that? Because the EBPP  method has been proven to be  efficient  and  safe  to use  because  the payment  process  is also  supervised by government  agencies  such as in OJK  if  in Indonesia.

References

Andreef, A., Binmoeller, L.C., Oscar, C., & Boboch, E. (2001). Is it just click away? Electronic Bill Presentment and Payment, 16.

Legner, C., & Kristin, W. (2006). Electronic Bill Presentment and Payment. AIS Electronic Library,13.