Leveraging the Polygon Blockchain for a Secured and Transparent Payment Gateway
DOI:
https://doi.org/10.70112/ajcst-2025.14.2.4358Keywords:
Blockchain Technology, Payment Gateways, Decentralization, HappyPay, Polygon NetworkAbstract
As digital commerce continues to expand, the need for more secure, transparent, and cost-effective payment systems has never been greater. Payment gateways often struggle with issues like centralized control, data breaches, and high transaction fees-challenges that can erode user trust. This study explores a more modern solution by integrating blockchain technology into payment processing through a system called HappyPay, built on the Polygon network. By tapping into the power of decentralization, smart contracts, and immutable ledgers, HappyPay enhances both the security and efficiency of digital transactions. Developed using the Waterfall model and deployed on the Polygon Mumbai Testnet, the system supports MetaMask and WalletConnect for seamless wallet integration and real-time transaction tracking. With fees as low as 0.70 Nigerian Naira per transaction and processing speeds averaging just 4 seconds, the results highlight how blockchain can make digital payments not only faster and cheaper but also more trustworthy. This work presents a compelling case for reimagining the future of payments with blockchain at its core.
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