Implementation of Online Payment as a Transaction Solution in the Digital Era: A Comparative Study between QRIS, GOPAY, and SHOPEEPAY

Online payments have become an urgent necessity in the digital age, replacing slow and cumbersome traditional transaction methods. In Indonesia, the emergence of payment platforms such as QRIS, GoPay, and ShopeePay offers a more efficient solution, although there are differences in usage, efficiency, and convenience that influence consumer choice. This study aims to provide a comparative analysis between the three platforms based on the criteria of security, transaction speed, ease of use, cost, and user satisfaction level. The methods used include secondary data collection, in-depth interviews, and participatory observation. Interim results show that QRIS excels in terms of security and lower transaction fees, while GoPay and ShopeePay are preferred for online transactions due to the additional features they offer. The highest level of user satisfaction is achieved by QRIS, followed by GoPay and ShopeePay. This research is expected to make a significant contribution to service providers in improving the quality of their platforms and to consumers in choosing the payment method that best suits their needs.