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Online payment system have recently emerged as one of the available payment methods in purchase of goods and services over the Internet. However the acceptance of this system by users is not fully achieved because of concern about the system security and how its manages the privacy of user information. One of the most challenging issues associated with online payment system is securing the communication between the client and payment gateway. PKI validation and encryption scheme is designed to handle problem of sending transaction as plaintext between clients and UTM online payment system and to authorize the clients that sent the transaction to the payment gateway. The scheme are proposed to increase the level of security in UTM online payment system. To test the performance of PKI validation and encryption scheme, several simulation are conducted together with the comparison with other algorithm.

PKI Validation and Encryption Scheme for Secure UTM Online Payment System