Dinnur Lutfi, Rika Lestari, Dasrol Dasrol


PayLater is a form of P2P agreement which is a loan agreement from one
party to another through a provider other than a bank, so there are other parties
involved in using the PayLater payment method. With the existence of other
parties, it is also possible to have various agreements in the use of the PayLater
method, with the formation of an agreement between the parties, it can also be
seen that the parties have an obligation to fulfill the achievements of other parties.
In this case, the parties mentioned are consumers who also use PayLater on their
Traveloka account. So it can be said that the legal relationship that arises
between PayLater and consumers is when consumers use the payment method
owned by PayLater.
This type of research can be classified in the type of normative legal
research, which discloses laws and regulations relating to legal theories that are
the object of research. The approach taken is using a qualitative analysis
approach by searching for data in books, journals and other scientific works
related to this research. The data sources used are primary and secondary legal
The conclusions that can be drawn from the results of the research are:
First, the regulation regarding the practice of using paylaters based on the
prevailing laws and regulations in Indonesia is regulated in: Law Number 11 of
2008 concerning Information and Electronic Transactions and PBI Number
16/8/PBI/2014 concerning Amendment to Bank Indonesia Regulation Number
11/12/PBI/2009 concerning Electronic Money (paylater position as electronic
money or as a transaction tool at Traveloka) Second, Traveloka's liability if
consumers are harmed by using paylaters, namely Traveloka is responsible for
providing protection to consumers, as regulated in the provisions of article 4 jo.
Article 62 of Law Number 8 of 1999 concerning Consumer Protection and POJK
Number 1/POJK.07/2013 concerning Consumer Protection of the Financial
Services Sector.
Keywords: Consumer Protection, PayLater, Traveloka, Legal Responsibility,


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