> For the complete documentation index, see [llms.txt](https://docs.finpay.id/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.finpay.id/api-reference/finpay-pg-x-finpay-billing/bill-payment-and-payment-gateway-overview.md).

# Bill Payment & Payment Gateway Overview

The combination of Payment gateway and billing usually refers to the integration of an online Payment system with a billing system in a service or platform. This allows businesses or service providers to efficiently manage Payments and billing in one unified system.

In this combination, the Payment gateway is responsible for handling the online Payment process. When a Customer makes a purchase or Payment, the Payment gateway will manage the transaction, process the Payment, and send notifications to the Customer and business regarding the Payment status.

Meanwhile, the billing system is responsible for organizing and managing the billing process related to the services or products provided including detailed billing information and bill Payment status updates.

By integrating a Payment gateway with a billing system, a business or service provider can optimize operational efficiency and improve Customer experience.

### Transaction Flow <a href="#transaction-flow" id="transaction-flow"></a>

The overall end-to-end payment process in Finpay PG x Finpay Billing is illustrated in following sequence diagram:

```mermaid
sequenceDiagram
Customer->>Mitra : Request Payment
Mitra->>Finpay : Request Payment
Finpay->>Mitra : Response Payment URL
Customer->>Finpay : Open Payment URL
Finpay->>Biller : Request inquiry
Biller->>Finpay : Response inquiry
Customer->>Finpay : Request Payment
Finpay->>Finpay : Selected SOF
Customer->>Finpay : Payment Process
Finpay->>Finpay : Payment Process
alt Payment Success 
    Finpay->> Biller : Request Payment
    Biller->>Finpay : Response Payment
end
Finpay->>Mitra : Payment Notification
```

{% hint style="info" %}
**INFO**

For detailed sequence of [Payment Processes](/api-reference/finpay-pg/hosted-payment.md#transaction-flow).
{% endhint %}


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