PENAGANTI, Ramakrishna. Building a Universal Payment Platform: Breaking Free from Payment Gateway Lock-in. Journal of International Crisis and Risk Communication Research , [S. l.], p. 90–107, 2025. DOI: 10.63278/jicrcr.vi.3416. Disponível em: https://jicrcr.com/index.php/jicrcr/article/view/3416. Acesso em: 11 nov. 2025.