Abstract
The purpose of this study is to find out how to use electronic payment for small and medium businesses. Because the rapid development of technology in developing country has resulted in middle to lower consumers experiencing technological ignorance. This research will answer question; what is the meaning of electronic payment for small and medium enterprises. The research method used interpretive qualitative methods with a descriptive approach. The results show that electronic payment can benefit small and medium businesses by bringing in many visitors by giving discounts, free ads, bonuses and more. The weakness of electronic payment is that electronic payment can make it difficult for visitors to purchase goods because electronic payment has complicated rules, as they have to top-up their account balance first before buying something and only one type of electronic payment in certain counters. The conclusion of this study is the use of e-money for small and medium businesses diverted into marketing reasons.
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