Despite the increasing number of eCommerce transactions from year to year, Indonesia remains one of the countries with the lowest adoption rate of non-cash payments. This means that there are still many people of Indonesia who have not been willing to switch from cash. Fear of fraud and privacy concern is often the cause of non-cash payment methods are less desirable. This condition encourages PT HDI , Tbk. to create cross-platform payment gateway services to help people get better payment options.