Proceedings of the 1st International Forum on Psychology, Law, and Education (IFPLE 2025)

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Protection of Consumer Personal Data Against Credit Card Data Leaks In E-Commerce Cooperation Agreements With Payment Gateway Service

Authors
Michelle Clarissa Yeoman1, Roswita Sitompul1, *, Heriyanti Heriyanti1, Kartina Pakpahan1
1PUI PT. Criminal Law and Green Economy, Master of Law, Prima Indonesia University, Medan, Indonesia
*Corresponding author. Email: roswitasitompul@unprimdn.ac.id
Corresponding Author
Roswita Sitompul
Available Online 3 January 2026.
DOI
10.2991/978-2-38476-531-7_15How to use a DOI?
Keywords
Personal Data; Credit Card; E-commerce; Cooperation; Payment Gateway
Abstract

The fast advancement of technology and information through the internet has given rise to cyberspace, fostering globalization and allowing diverse electronic transactions. One major impact is the rise of e-commerce, allowing individuals and companies to conduct buying and selling online. This research applies a normative juridical method, examining theories, concepts, legal principles, and relevant regulations. In Indonesia, weaknesses remain in terms of legal substance, technical implementation, and accountability. Under Law No. 27 of 2022 on Personal Data Protection, e-commerce platforms act as data controllers, responsible for the security, accuracy, and legality of consumer credit card data processing. In contrast, payment gateways serve only as data processors, handling technical aspects of transactions. Despite these provisions, regulatory enforcement remains weak due to limited oversight, insufficient institutional capacity, and low legal and digital literacy among both businesses and consumers. As a result, credit card data breaches continue to pose serious risks. Strengthening regulation, supervision, and technical safeguards is urgently needed to ensure that credit card transactions in e-commerce are conducted more securely, effectively, and accountably, while also building public trust in digital transactions.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 1st International Forum on Psychology, Law, and Education (IFPLE 2025)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
3 January 2026
ISBN
978-2-38476-531-7
ISSN
2352-5398
DOI
10.2991/978-2-38476-531-7_15How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Michelle Clarissa Yeoman
AU  - Roswita Sitompul
AU  - Heriyanti Heriyanti
AU  - Kartina Pakpahan
PY  - 2026
DA  - 2026/01/03
TI  - Protection of Consumer Personal Data Against Credit Card Data Leaks In E-Commerce Cooperation Agreements With Payment Gateway Service
BT  - Proceedings of the 1st International Forum on Psychology, Law, and Education (IFPLE 2025)
PB  - Atlantis Press
SP  - 129
EP  - 146
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-531-7_15
DO  - 10.2991/978-2-38476-531-7_15
ID  - Yeoman2026
ER  -