feat: improve payments UX (VA layout, instructions, accessibility)

BankTransferPanel: VA card above instructions; clearer borders; aria-live for VA status; dynamic 'Instruksi pembayaran' panel.\nBcaInstructionList: ARIA roles for tablist/tabs/tabpanels; stronger visual cues; 3px focus ring.\nGoPayPanel: auto display instructions with dynamic steps per mode; clearer mode toggle buttons; 3px focus ring.\nButton: standardize 3px focus ring with 2px offset and accent color.\nPaymentMethodList: enhanced contrast, thicker borders, larger targets for seniors.\nPaymentInstructions: flexible title and steps; never empty with sensible fallback.

docs/front-end-spec.md

@@ -0,0 +1,264 @@
+# Core Midtrans CIFO UI/UX Specification
+
+Purpose
+- Improve legibility and contrast for older users by strengthening color, typography, and separators across Checkout flows (QRIS, GoPay, Convenience Store, Bank Transfer).
+- Establish clear theme tokens so implementation stays consistent across components.
+
+Change Log
+- 2025-11-10: Initial draft focused on contrast, typography, and card/divider clarity.
+
+Theme Foundations
+- Color Roles (recommended hex values):
+  - Page background: `#F7FAFC` (very light slate)
+  - Surface/background (cards, panels): `#FFFFFF`
+  - Text primary: `#0B1020` (near-black for high contrast)
+  - Text secondary: `#374151` (medium slate; still readable)
+  - Border default: `#94A3B8` (slate 400)
+  - Border strong: `#64748B` (slate 500)
+  - Accent/primary: `#2563EB` (blue 600)
+  - Success: `#16A34A` (green 600)
+  - Danger: `#DC2626` (red 600)
+  - Warning: `#D97706` (amber 600)
+  - Info: `#0EA5E9` (sky 500)
+- Focus and States:
+  - Focus ring color: `#2563EB`
+  - Focus ring width: `3px`
+  - Hover/active states should increase contrast by at least one shade (e.g., blue 600 → blue 700 on hover).
+- Typography:
+  - Font stack (sans): `Inter, Segoe UI, system-ui, -apple-system, Roboto, Noto Sans, Arial, sans-serif`
+  - Base body size: `16px` minimum; labels `15px`; buttons `16px`
+  - Headings: `H4 20px`, `H3 24px`, `H2 28px` (line-height ~1.3)
+  - Body line-height: `1.5` for readability
+  - Avoid ultra-light weights; prefer `400–600` for body/labels
+- Separators and Borders:
+  - Default divider: `1.5px` `#94A3B8`
+  - Strong divider: `2px` `#64748B` for section breaks and card boundaries
+  - Cards: visible 2px border, subtle shadow `0 1px 2px rgba(0,0,0,0.08)`
+- Spacing Scale (base):
+  - `4px` units; common spacing: `8/12/16/24/32px`
+  - Minimum interior padding for cards: `16–24px`
+
+Accessibility Standards
+- Contrast:
+  - Normal text contrast ≥ `4.5:1`; large text (≥18px) ≥ `3:1`
+  - Verify accent on white and on light surfaces meets ratios
+- Touch Targets:
+  - Minimum hit area: `44x44px` for interactive elements
+  - Minimum tap spacing: `8px` around grouped actions
+- Focus & Keyboard:
+  - Always-visible focus outline with `3px` ring in accent color
+  - Skip links available on long forms
+- Motion & Feedback:
+  - Respect reduced motion; avoid aggressive animations
+  - Provide textual or icon feedback in addition to color changes
+
+Component Guidance
+- Cards/Panels:
+  - Use strong border (`2px #64748B`) for outer frame when content density is high
+  - Title uses `H4/H3` with primary text color; subtitle uses secondary
+  - Interior dividers use default border (`1.5px #94A3B8`)
+- Buttons:
+  - Primary: solid `#2563EB` with white text; hover `#1D4ED8`
+  - Secondary: outline with strong border and primary text
+  - Disabled: `#CBD5E1` background, `#64748B` text; maintain contrast
+  - Focus: `3px` accent ring outside button
+- Inputs:
+  - Label size `15–16px` and primary text color; never rely on placeholder as label
+  - Field border default; on focus switch to strong border and accent ring
+  - Error state uses danger color and text hint; icon optional
+- Lists/Selection (e.g., store selection):
+  - Row height ≥ `48px`; radio/checkbox minimum `24px`
+  - Selected state uses strong border and light accent background (`blue-50`)
+
+Implementation Notes
+- CSS Variables (define once):
+  ```css
+  :root {
+    --color-bg-page: #F7FAFC;
+    --color-bg-surface: #FFFFFF;
+    --color-text-primary: #0B1020;
+    --color-text-secondary: #374151;
+    --color-border-default: #94A3B8;
+    --color-border-strong: #64748B;
+    --color-accent: #2563EB;
+    --color-success: #16A34A;
+    --color-danger: #DC2626;
+    --color-warning: #D97706;
+    --color-info: #0EA5E9;
+    --focus-ring-width: 3px;
+    --focus-ring-color: #2563EB;
+    --shadow-card: 0 1px 2px rgba(0,0,0,0.08);
+    --border-width-default: 1.5px;
+    --border-width-strong: 2px;
+    --font-family-sans: Inter, Segoe UI, system-ui, -apple-system, Roboto, Noto Sans, Arial, sans-serif;
+    --font-size-body: 16px;
+    --font-size-label: 15px;
+    --font-size-button: 16px;
+    --font-size-h4: 20px;
+    --font-size-h3: 24px;
+    --font-size-h2: 28px;
+    --line-height-body: 1.5;
+  }
+  ```
+- Tailwind Theme (high-level):
+  - Map CSS variables to custom colors via CSS-in-JS or add a custom palette in `tailwind.config.*` aligned to the hex values above
+  - Increase `ringWidth` default to `3`, add `ringColor` for focus, and define `borderWidth` scale with `1.5` and `2`
+- Component Application:
+  - Replace `border-gray-200/300` with `border-[#94A3B8]` for dividers
+  - Use `border-[2px]` + `border-[#64748B]` for card frames when needed
+  - Set `text-[#0B1020]` as default text and avoid pure black for softer rendering
+
+Validation Checklist
+- Body text ≥16px and headings per spec
+- Divider visibility validated on standard laptop and low-contrast displays
+- All critical actions meet contrast and focus outline requirements
+- Component states (hover, active, disabled, error) meet color and contrast standards
+ 
+Instruksi Langkah Pembayaran
+- Tujuan: Menyajikan cara bayar yang jelas tanpa Step Wizard. Fokus pada daftar langkah ringkas untuk tiap metode (QRIS, GoPay, Transfer Bank via Mobile/Internet Banking/ATM, Convenience Store).
+- Prinsip Penyajian:
+  - Judul panel: "Cara Bayar" + nama metode/bank (mis. "Cara Bayar: BCA Mobile", "Cara Bayar: ATM BNI", "Cara Bayar: QRIS").
+  - Gunakan daftar bernomor (1., 2., 3.) dengan jarak antar langkah `12–16px` dan body `16–18px`.
+  - Kalimat singkat, langsung, maksimal ±100 karakter per langkah.
+  - Gunakan teks primer `#0B1020`; hindari abu-abu pucat untuk keterbacaan.
+  - Divider opsional antar kelompok langkah memakai border default `#94A3B8`.
+  - Ikon langkah opsional; jangan menggantikan teks instruksi.
+
+Pola per Metode
+- QRIS
+  - 1. Buka aplikasi e-wallet/mbanking yang mendukung QRIS.
+  - 2. Arahkan kamera ke QR di layar.
+  - 3. Periksa detail pembayaran dan konfirmasi.
+  - 4. Selesai. Simpan bukti transaksi.
+  - Catatan: tampilkan countdown kedaluwarsa dan state "QR kedaluwarsa" dengan aksi "Buat Ulang" jika diperlukan.
+
+- GoPay
+  - 1. Ketuk tombol "Buka GoPay" (atau buka aplikasi GoPay manual).
+  - 2. Periksa detail pembayaran.
+  - 3. Konfirmasi dan selesaikan pembayaran.
+  - 4. Simpan bukti transaksi.
+
+- Transfer Bank via Mobile Banking (contoh umum)
+  - 1. Buka aplikasi mobile banking dan login.
+  - 2. Pilih menu "Transfer" → "Virtual Account".
+  - 3. Masukkan nomor VA dan nominal.
+  - 4. Periksa detail, konfirmasi dengan PIN/OTP.
+  - 5. Simpan bukti transaksi.
+
+- Transfer Bank via Internet Banking (contoh umum)
+  - 1. Buka situs internet banking dan login.
+  - 2. Pilih menu "Transfer" → "Virtual Account".
+  - 3. Masukkan nomor VA dan nominal.
+  - 4. Periksa detail, konfirmasi dengan OTP.
+  - 5. Simpan bukti transaksi.
+
+- Transfer Bank via ATM (contoh umum)
+  - 1. Kunjungi ATM dan masukkan kartu, pilih bahasa.
+  - 2. Pilih menu "Transfer" → "Virtual Account".
+  - 3. Masukkan nomor VA dan nominal.
+  - 4. Periksa detail, konfirmasi.
+  - 5. Ambil dan simpan struk transaksi.
+
+- Convenience Store (Alfamart/Indomaret)
+  - 1. Kunjungi toko yang dipilih (Alfamart/Indomaret).
+  - 2. Tunjukkan "Kode Pembayaran" kepada kasir.
+  - 3. Lakukan pembayaran sebelum kedaluwarsa.
+  - 4. Simpan struk. Kunjungi halaman "Cek Status Pembayaran" jika diperlukan.
+
+Copywriting Baku
+- Gunakan label konsisten: "Kode Pembayaran", "Salin Kode", "Cek Status Pembayaran", "Buka GoPay", "QRIS", "Kedaluwarsa dalam", "Buat Ulang".
+- Bahasa Indonesia, kalimat aktif, hindari istilah teknis berlebihan.
+- Pastikan penulisan brand dan bank sesuai pedoman resmi.
+
+Aksesibilitas & Lansia
+- Body `16–18px`, line-height `1.5`; jarak antar langkah `12–16px`.
+- Kontras AA untuk teks dan divider; fokus `ring 3px` selalu terlihat.
+- Comfort Mode opsional: font `18px`, border kuat `3px`, spacing +20%.
+
+Mobile UX — Pembayaran
+- Tata letak:
+  - Satu kolom pada lebar kecil; gunakan container `max-w-md`.
+  - Spasi internal panel `16–24px`; hindari konten menempel ke tepi.
+- Target sentuh:
+  - Tinggi area tap minimal `44px`; jarak antar aksi `8–12px`.
+  - Baris pemilihan metode memakai `min-h-[44px]` dan `p-3`.
+- Tipografi:
+  - Body `16px` (min); langkah instruksi `16–18px` dengan `line-height 1.5`.
+  - Hindari `text-xs` untuk konten utama di mobile.
+- Aksi utama:
+  - Tombol utama `w-full`; boleh sticky di bawah layar.
+  - Pertimbangkan padding aman: `padding-bottom: env(safe-area-inset-bottom)`.
+- Panel QR/Code:
+  - QR minimum `min(68vw, 280px)`; grid pusat; border jelas.
+  - Kode pembayaran memakai `font-mono`, `text-lg`, `letter-spacing ~0.06em`, `select-all`.
+  - Tombol “Salin Kode” `w-full` di mobile.
+- Loading & status:
+  - Pakai teks pendamping pada spinner; tambahkan `aria-live="polite"`.
+  - Tampilkan countdown kedaluwarsa dan aksi “Buat Ulang” jika relevan.
+- Performa:
+  - Lazy-load gambar brand/QR; batasi ukuran logo; cache aktif.
+  - Hormati `prefers-reduced-motion`.
+
+Implementasi Komponen (Opsional)
+- InstructionList API:
+  ```ts
+  type InstructionListProps = {
+    title: string; // "Cara Bayar: QRIS", "Cara Bayar: BCA Mobile"
+    steps: string[]; // daftar langkah pendek
+    footnote?: string; // catatan opsional (mis. kedaluwarsa)
+  }
+  ```
+- Gaya default:
+  - Judul `H4/H3` dengan teks primer; langkah bernomor dengan spacing `12–16px`.
+  - Divider antar kelompok langkah memakai `#94A3B8`; tidak wajib.
+- Ikon kecil opsional di kiri; jangan menggantikan teks.
+
+Bank Spesifik: BCA
+- BCA Mobile (m-BCA) — Virtual Account
+  - 1. Buka aplikasi BCA mobile dan login.
+  - 2. Pilih menu "m-BCA" → "m-Transfer".
+  - 3. Pilih "BCA Virtual Account".
+  - 4. Masukkan "Nomor VA" yang tertera di halaman pembayaran.
+  - 5. Masukkan nominal jika tidak terisi otomatis.
+  - 6. Periksa detail pembayaran, lalu ketuk "Send".
+  - 7. Masukkan PIN m-BCA untuk konfirmasi.
+  - 8. Simpan bukti transaksi.
+  - Catatan: Nama menu dapat berbeda pada versi aplikasi tertentu; sesuaikan jika perlu.
+
+- ATM BCA — Virtual Account
+  - 1. Masukkan kartu BCA dan PIN.
+  - 2. Pilih "Transaksi Lainnya".
+  - 3. Pilih "Transfer".
+  - 4. Pilih "Ke BCA Virtual Account".
+  - 5. Masukkan "Nomor VA" yang tertera di halaman pembayaran.
+  - 6. Masukkan nominal jika diminta.
+  - 7. Periksa detail pembayaran, lalu konfirmasi.
+  - 8. Ambil dan simpan struk transaksi.
+  - Catatan: Urutan menu pada beberapa ATM bisa berbeda; gunakan opsi Virtual Account ketika tersedia.
+
+- Internet Banking (KlikBCA) — Virtual Account
+  - 1. Buka situs resmi KlikBCA dan login dengan user ID.
+  - 2. Pilih menu "Transfer Dana".
+  - 3. Pilih "Ke BCA Virtual Account".
+  - 4. Masukkan "Nomor VA" yang tertera di halaman pembayaran.
+  - 5. Masukkan nominal jika diperlukan.
+  - 6. Periksa detail pembayaran, lalu konfirmasi.
+  - 7. Masukkan OTP/KeyBCA (token) untuk menyetujui transaksi.
+  - 8. Simpan bukti transaksi.
+  - Catatan: Nama menu dapat berbeda antar versi; pastikan memilih opsi Virtual Account.
+
+Copywriting Baku — Tambahan
+- Untuk metode Virtual Account, gunakan label "Nomor VA" secara konsisten pada UI dan instruksi.
+
+Roadmap Implementasi — Mobile Pembayaran (10 TODO)
+- [x] Tambah panduan "Mobile UX — Pembayaran" di spesifikasi.
+- [x] Perbesar area sentuh PaymentMethodList (min height ≥44px).
+- [x] Tingkatkan keterbacaan PaymentInstructions (text-sm, spacing yang cukup).
+- [x] Perbesar keterbacaan Kode Pembayaran di CStore (font-mono, text-lg, tracking, select-all).
+- [x] Perbesar kontainer QR GoPay/QRIS dan buat tombol aksi full-width di mobile.
+- [ ] PaymentSheet: optimalkan header mobile dan countdown jelas.
+  - Catatan: tombol utama sticky di bawah sudah diimplementasi.
+- [x] BankTransferPanel: implementasi komponen InstructionList untuk BCA (Mobile/ATM/KlikBCA).
+- [ ] Aksesibilitas: standarisasi aria-live untuk spinner/QR/kode, fokus ring 3px di semua panel.
+- [ ] Comfort Mode: tambah toggle (font 18px, border 3px, spacing +20%) dan token gaya terkait.
+- [ ] QA lintas perangkat: uji di layar kecil (iPhone SE/Android kecil), sesuaikan token bila perlu.

src/components/ui/button.tsx

@@ -2,7 +2,7 @@ import { cva, type VariantProps } from 'class-variance-authority'
 import { cn } from '../../lib/cn'
 
 const buttonVariants = cva(
-  'inline-flex items-center justify-center rounded-md text-sm font-medium transition-colors focus-visible:focus-ring disabled:opacity-50 disabled:pointer-events-none',
+  'inline-flex items-center justify-center rounded-md text-sm font-medium transition-colors focus-visible:outline-none focus-visible:ring-[#2563EB] focus-visible:ring-[3px] focus-visible:ring-offset-2 focus-visible:ring-offset-white dark:focus-visible:ring-offset-black disabled:opacity-50 disabled:pointer-events-none',
   {
     variants: {
       variant: {

src/features/payments/components/BankTransferPanel.tsx

@@ -2,6 +2,7 @@ import { Button } from '../../../components/ui/button'
 import { usePaymentNavigation } from '../lib/navigation'
 import React from 'react'
 import { PaymentInstructions } from './PaymentInstructions'
+import { BcaInstructionList } from './BcaInstructionList'
 import { TrustStrip } from './TrustStrip'
 import { BankLogosRow, BankLogo, type BankKey } from './PaymentLogos'
 import { postCharge } from '../../../services/api'
@@ -126,6 +127,13 @@ export function BankTransferPanel({ orderId, amount, locked, onChargeInitiated,
   // eslint-disable-next-line react-hooks/exhaustive-deps
   }, [selected])
 
+  // Auto-show instructions when BCA is selected to reduce confusion
+  React.useEffect(() => {
+    if (selected === 'bca' && !showGuide) {
+      setShowGuide(true)
+    }
+  }, [selected])
+
   return (
     <div className="space-y-3">
       <div className="font-medium">Transfer bank</div>
@@ -137,43 +145,49 @@ export function BankTransferPanel({ orderId, amount, locked, onChargeInitiated,
           <span className="text-black/80 dark:text-white/80 font-semibold">{selected.toUpperCase()}</span>
         </div>
       )}
-      <div className="text-sm text-black/60 dark:text-white/60">VA dibuat otomatis sesuai bank pilihan Anda.</div>
+      <div className="text-sm text-black/70 dark:text-white/70">VA dibuat otomatis sesuai bank pilihan Anda.</div>
       {errorMessage && (
         <Alert title="Gagal membuat VA">{errorMessage}</Alert>
       )}
-      <button
-        type="button"
-        onClick={() => setShowGuide((v) => !v)}
-        className="text-xs text-brand-600 hover:underline"
-        aria-expanded={showGuide}
-      >
-        Cara bayar
-      </button>
-      {showGuide && <PaymentInstructions method="bank_transfer" />}
       {selected && (
-        <div className="flex flex-col gap-3 pt-1">
+        <div className="pt-1">
-          <div className="text-sm text-black/60 dark:text-white/60">
+          <div className="rounded-lg border-2 border-black/30 dark:border-white/30 p-3 bg-white dark:bg-black/20">
-            {vaCode ? (
+            <div className="text-sm font-medium mb-2">Virtual Account</div>
-              <span>VA: <span className="font-mono text-2xl md:text-3xl font-semibold tracking-wider text-black dark:text-white">{vaCode}</span></span>
+            <div className="text-sm text-black/70 dark:text-white/70">
-            ) : (
+              {vaCode ? (
-              <span className="inline-flex items-center gap-2">
+                <span>Nomor VA: <span className="font-mono text-2xl md:text-3xl font-semibold tracking-wider text-black dark:text-white">{vaCode}</span></span>
-                {busy && <span className="h-3 w-3 animate-spin rounded-full border-2 border-black/40 dark:border-white/40 border-t-transparent" aria-hidden />}
+              ) : (
-                {busy ? 'Membuat VA…' : 'VA akan muncul otomatis setelah transaksi dibuat.'}
+                <span className="inline-flex items-center gap-2" role="status" aria-live="polite">
-              </span>
+                  {busy && <span className="h-3 w-3 animate-spin rounded-full border-2 border-black/40 dark:border-white/40 border-t-transparent" aria-hidden />}
-            )}
+                  {busy ? 'Membuat VA…' : 'VA akan muncul otomatis setelah transaksi dibuat.'}
-            {billKey && (
+                </span>
-              <span className="ml-3">Bill Key: <span className="font-mono text-lg font-semibold text-black dark:text-white">{billKey}</span></span>
+              )}
-            )}
+              {billKey && (
-            {billerCode && (
+                <span className="ml-3">Bill Key: <span className="font-mono text-lg font-semibold text-black dark:text-white">{billKey}</span></span>
-              <span className="ml-3">Biller Code: <span className="font-mono text-lg font-semibold text-black dark:text-white">{billerCode}</span></span>
+              )}
-            )}
+              {billerCode && (
-          </div>
+                <span className="ml-3">Biller Code: <span className="font-mono text-lg font-semibold text-black dark:text-white">{billerCode}</span></span>
-          <div className="flex gap-2">
+              )}
-            <Button variant="outline" size="sm" onClick={() => copy(vaCode, 'VA')} disabled={!vaCode}>Copy VA</Button>
+            </div>
-            <Button variant="outline" size="sm" onClick={() => copy(billKey, 'Bill Key')} disabled={!billKey}>Copy Bill Key</Button>
+            <div className="mt-2 flex gap-2">
+              <Button variant="outline" size="sm" onClick={() => copy(vaCode, 'VA')} disabled={!vaCode}>Copy VA</Button>
+              <Button variant="outline" size="sm" onClick={() => copy(billKey, 'Bill Key')} disabled={!billKey}>Copy Bill Key</Button>
+            </div>
           </div>
         </div>
       )}
+      {selected && (
+        <div className="pt-2">
+          {selected === 'bca' ? (
+            <BcaInstructionList />
+          ) : (
+            <div className="rounded-lg border-2 border-black/30 dark:border-white/30 p-3 bg-white dark:bg-black/20">
+              <div className="text-sm font-medium mb-2">Instruksi pembayaran</div>
+              <PaymentInstructions method="bank_transfer" />
+            </div>
+          )}
+        </div>
+      )}
       {locked && (
         <div className="text-xs text-black/60 dark:text-white/60">Metode terkunci. Gunakan kode VA/bill key untuk menyelesaikan pembayaran.</div>
       )}
@@ -259,7 +273,7 @@ export function BankTransferPanel({ orderId, amount, locked, onChargeInitiated,
             className="w-full"
           >
             {busy ? (
-              <span className="inline-flex items-center justify-center gap-2">
+              <span className="inline-flex items-center justify-center gap-2" role="status" aria-live="polite">
                 <span className="h-4 w-4 animate-spin rounded-full border-2 border-white/70 dark:border-black/40 border-t-transparent" aria-hidden />
                 Membuat VA…
               </span>

src/features/payments/components/BcaInstructionList.tsx

@@ -0,0 +1,120 @@
+import React from 'react'
+
+type TabKey = 'mobile' | 'atm' | 'ib'
+
+export function BcaInstructionList() {
+  const [tab, setTab] = React.useState<TabKey>('mobile')
+  return (
+    <div className="mt-2 rounded-lg border-2 border-black/20 dark:border-white/20 bg-white dark:bg-black/20">
+      <div className="p-3">
+        <div className="text-sm font-medium mb-2">Instruksi BCA</div>
+        <div
+          role="tablist"
+          aria-label="Metode pembayaran BCA"
+          className="inline-flex mb-3 rounded-md border border-black/20 dark:border-white/20 overflow-hidden"
+        >
+          <button
+            type="button"
+            id="tab-bca-mobile"
+            role="tab"
+            aria-selected={tab === 'mobile'}
+            aria-controls="panel-bca-mobile"
+            onClick={() => setTab('mobile')}
+            className={`px-3 py-2 text-xs font-medium focus:outline-none ring-[#2563EB] ring-3 ring-offset-2 ring-offset-white dark:ring-offset-black transition ${tab === 'mobile' ? 'bg-black text-white' : 'bg-transparent hover:bg-black/5 dark:hover:bg-white/10'}`}
+          >
+            BCA Mobile
+          </button>
+          <button
+            type="button"
+            id="tab-bca-atm"
+            role="tab"
+            aria-selected={tab === 'atm'}
+            aria-controls="panel-bca-atm"
+            onClick={() => setTab('atm')}
+            className={`px-3 py-2 text-xs font-medium focus:outline-none ring-[#2563EB] ring-3 ring-offset-2 ring-offset-white dark:ring-offset-black transition ${tab === 'atm' ? 'bg-black text-white' : 'bg-transparent hover:bg-black/5 dark:hover:bg-white/10'}`}
+          >
+            ATM BCA
+          </button>
+          <button
+            type="button"
+            id="tab-bca-ib"
+            role="tab"
+            aria-selected={tab === 'ib'}
+            aria-controls="panel-bca-ib"
+            onClick={() => setTab('ib')}
+            className={`px-3 py-2 text-xs font-medium focus:outline-none ring-[#2563EB] ring-3 ring-offset-2 ring-offset-white dark:ring-offset-black transition ${tab === 'ib' ? 'bg-black text-white' : 'bg-transparent hover:bg-black/5 dark:hover:bg-white/10'}`}
+          >
+            KlikBCA
+          </button>
+        </div>
+        {tab === 'mobile' && (
+          <div role="tabpanel" id="panel-bca-mobile" aria-labelledby="tab-bca-mobile">
+            <StepsMobile />
+          </div>
+        )}
+        {tab === 'atm' && (
+          <div role="tabpanel" id="panel-bca-atm" aria-labelledby="tab-bca-atm">
+            <StepsAtm />
+          </div>
+        )}
+        {tab === 'ib' && (
+          <div role="tabpanel" id="panel-bca-ib" aria-labelledby="tab-bca-ib">
+            <StepsKlikBca />
+          </div>
+        )}
+      </div>
+      <div className="border-t border-black/10 dark:border-white/10 p-3 text-xs text-black/60 dark:text-white/60">
+        Catatan: Gunakan label "Nomor VA" secara konsisten di semua metode.
+      </div>
+    </div>
+  )
+}
+
+function StepsMobile() {
+  const steps = [
+    'Buka BCA Mobile, pilih m-BCA dan login.',
+    'Masuk ke menu m-Transfer.',
+    'Pilih BCA Virtual Account.',
+    'Masukkan Nomor VA dari halaman ini.',
+    'Periksa nama tujuan dan nominal, pastikan sesuai.',
+    'Kirim dan konfirmasi.',
+    'Masukkan PIN m-BCA untuk menyelesaikan pembayaran.'
+  ]
+  return <StepList steps={steps} />
+}
+
+function StepsAtm() {
+  const steps = [
+    'Masukkan kartu dan PIN di ATM BCA.',
+    'Pilih Transaksi Lainnya.',
+    'Pilih Transfer.',
+    'Pilih ke BCA Virtual Account.',
+    'Masukkan Nomor VA dari halaman ini.',
+    'Periksa detail dan nominal, lalu konfirmasi.',
+    'Selesaikan transaksi dan simpan bukti.'
+  ]
+  return <StepList steps={steps} />
+}
+
+function StepsKlikBca() {
+  const steps = [
+    'Login ke KlikBCA (Internet Banking).',
+    'Pilih menu Transfer Dana.',
+    'Pilih ke BCA Virtual Account.',
+    'Masukkan Nomor VA dari halaman ini.',
+    'Periksa detail dan nominal, lalu lanjutkan.',
+    'Masukkan respon KeyBCA untuk konfirmasi.',
+    'Transaksi selesai, simpan bukti/nota.'
+  ]
+  return <StepList steps={steps} />
+}
+
+function StepList({ steps }: { steps: string[] }) {
+  return (
+    <ol className="list-decimal list-inside space-y-2 text-sm text-black/80 dark:text-white/80">
+      {steps.map((s, i) => (
+        <li key={i}>{s}</li>
+      ))}
+    </ol>
+  )
+}

src/features/payments/components/CStorePanel.tsx

@@ -95,7 +95,7 @@ export function CStorePanel({ orderId, amount, locked, onChargeInitiated, defaul
         <div className="text-xs text-black/60 dark:text-white/60">Metode terkunci. Gunakan kode pembayaran di kasir {selected?.toUpperCase()}.</div>
       )}
       <div className="pt-2 space-y-2">
-        <div className="rounded border border-black/10 dark:border-white/10 p-2 text-sm">
+        <div className="rounded border border-black/10 dark:border-white/10 p-2 text-sm" aria-live="polite">
           <div className="font-medium">Kode Pembayaran</div>
           {!selected && (
             <div className="text-xs text-black/60 dark:text-white/60">Pilih toko terlebih dahulu di langkah sebelumnya.</div>
@@ -109,10 +109,10 @@ export function CStorePanel({ orderId, amount, locked, onChargeInitiated, defaul
           {selected && !busy && (storeFromRes || paymentCode) && (
             <>
               {storeFromRes ? <div>Toko: {storeFromRes.toUpperCase()}</div> : null}
-              {paymentCode ? <div>Kode: <span className="font-mono">{paymentCode}</span></div> : null}
+              {paymentCode ? <div>Kode: <span className="font-mono text-lg tracking-[0.06em] select-all">{paymentCode}</span></div> : null}
             </>
           )}
-          <div className="mt-2"><Button variant="outline" size="sm" onClick={() => copy(paymentCode, 'Kode pembayaran')} disabled={!paymentCode || busy}>Copy Kode</Button></div>
+          <div className="mt-2"><Button variant="outline" className="w-full sm:w-auto" onClick={() => copy(paymentCode, 'Kode pembayaran')} disabled={!paymentCode || busy}>Copy Kode</Button></div>
         </div>
         <Button
           variant="secondary"

src/features/payments/components/GoPayPanel.tsx

@@ -37,7 +37,6 @@ function QRPlaceholder() {
 
 export function GoPayPanel({ orderId, amount, locked, onChargeInitiated }: { orderId: string; amount: number; locked?: boolean; onChargeInitiated?: () => void }) {
   const nav = usePaymentNavigation()
-  const [showGuide, setShowGuide] = React.useState(false)
   const [busy, setBusy] = React.useState(false)
   const [qrUrl, setQrUrl] = React.useState<string>('')
   const [actions, setActions] = React.useState<Array<{ name?: string; method?: string; url: string }>>([])
@@ -77,38 +76,61 @@ export function GoPayPanel({ orderId, amount, locked, onChargeInitiated }: { ord
       <GoPayLogosRow compact />
       <div className="flex items-center gap-2 text-xs">
         <span className="text-black/60 dark:text-white/60">Mode:</span>
-        <div className="inline-flex rounded border border-black/10 dark:border-white/10 overflow-hidden">
+        <div className="inline-flex rounded-md border-2 border-black/20 dark:border-white/20 overflow-hidden" role="group" aria-label="Pilih mode pembayaran">
-          <button type="button" onClick={() => setMode('gopay')} className={`px-2 py-1 ${mode==='gopay' ? 'bg-black/80 text-white' : 'bg-white dark:bg-black text-black dark:text-white'}`}>GoPay</button>
+          <button
-          <button type="button" onClick={() => setMode('qris')} className={`px-2 py-1 ${mode==='qris' ? 'bg-black/80 text-white' : 'bg-white dark:bg-black text-black dark:text-white'}`}>QRIS</button>
+            type="button"
+            onClick={() => setMode('gopay')}
+            aria-pressed={mode==='gopay'}
+            className={`px-2 py-1 focus:outline-none ring-[#2563EB] ring-3 ring-offset-2 ring-offset-white dark:ring-offset-black transition ${mode==='gopay' ? 'bg-black text-white' : 'bg-white dark:bg-black text-black dark:text-white hover:bg-black/10 dark:hover:bg-white/10'}`}
+          >
+            GoPay
+          </button>
+          <button
+            type="button"
+            onClick={() => setMode('qris')}
+            aria-pressed={mode==='qris'}
+            className={`px-2 py-1 focus:outline-none ring-[#2563EB] ring-3 ring-offset-2 ring-offset-white dark:ring-offset-black transition ${mode==='qris' ? 'bg-black text-white' : 'bg-white dark:bg-black text-black dark:text-white hover:bg-black/10 dark:hover:bg-white/10'}`}
+          >
+            QRIS
+          </button>
         </div>
       </div>
       <div className="rounded border border-black/10 dark:border-white/10 p-3 flex flex-col items-center gap-2">
         <div className="text-xs text-black/60 dark:text-white/60">Scan QR berikut menggunakan aplikasi {mode === 'gopay' ? 'GoPay' : 'QRIS'}</div>
-        <div className="relative w-full max-w-[240px] aspect-square grid place-items-center rounded-md border border-black/20 dark:border-white/20 bg-white">
+        <div className="relative w-full max-w-[280px] aspect-square grid place-items-center rounded-md border border-black/20 dark:border-white/20 bg-white">
           {mode === 'qris' && (!qrUrl || busy) ? (
             <span className="inline-flex items-center justify-center gap-2 text-xs text-black/60 dark:text-white/60" role="status" aria-live="polite">
               <span className="h-4 w-4 animate-spin rounded-full border-2 border-black/40 dark:border-white/40 border-t-transparent" aria-hidden />
               Membuat QR…
             </span>
           ) : qrUrl ? (
-            <img src={qrUrl} alt="QR untuk pembayaran" className="aspect-square w-full max-w-[220px] mx-auto" />
+            <img src={qrUrl} alt="QR untuk pembayaran" className="aspect-square w-full max-w-[260px] mx-auto" />
           ) : null}
         </div>
         <div className="text-[10px] text-black/50 dark:text-white/50">Mode: {mode.toUpperCase()}</div>
       </div>
-      <div className="flex gap-2">
+      <div className="flex flex-col sm:flex-row gap-2 w-full">
-        <Button variant="outline" size="sm" onClick={downloadQR} disabled={!qrUrl}>Download QR</Button>
+        <Button variant="outline" className="w-full sm:w-auto" onClick={downloadQR} disabled={!qrUrl}>Download QR</Button>
-        <Button variant="outline" size="sm" onClick={openGoPay} disabled={mode === 'qris'}>Buka GoPay</Button>
+        <Button variant="outline" className="w-full sm:w-auto" onClick={openGoPay} disabled={mode === 'qris'}>Buka GoPay</Button>
+      </div>
+      <div className="pt-2">
+        <PaymentInstructions
+          title={`Instruksi ${mode === 'gopay' ? 'GoPay' : 'QRIS'}`}
+          steps={mode === 'gopay'
+            ? [
+              'Buka aplikasi GoPay dan pilih menu Scan.',
+              'Arahkan kamera ke QR di layar.',
+              'Periksa detail dan konfirmasi pembayaran di aplikasi.',
+              'Simpan bukti pembayaran; status akan diperbarui otomatis.'
+            ]
+            : [
+              'Buka aplikasi e-wallet/Bank yang mendukung QRIS (GoPay, ShopeePay, dll).',
+              'Pilih menu Scan, arahkan kamera ke QR di layar.',
+              'Periksa detail dan konfirmasi pembayaran di aplikasi.',
+              'Simpan bukti pembayaran; status akan diperbarui otomatis.'
+            ]}
+        />
       </div>
-      <button
-        type="button"
-        onClick={() => setShowGuide((v) => !v)}
-        className="text-xs text-brand-600 hover:underline"
-        aria-expanded={showGuide}
-      >
-        Cara bayar
-      </button>
-      {showGuide && <PaymentInstructions method="gopay" />}
       {locked && (
         <div className="text-xs text-black/60 dark:text-white/60">Metode terkunci. Gunakan QR/deeplink untuk menyelesaikan pembayaran.</div>
       )}
@@ -121,7 +143,7 @@ export function GoPayPanel({ orderId, amount, locked, onChargeInitiated }: { ord
           onClick={() => { setBusy(true); onChargeInitiated?.(); setTimeout(() => { nav.toStatus(orderId, mode) ; setBusy(false) }, 250) }}
         >
           {busy ? (
-            <span className="inline-flex items-center justify-center gap-2">
+            <span className="inline-flex items-center justify-center gap-2" role="status" aria-live="polite">
               <span className="h-4 w-4 animate-spin rounded-full border-2 border-black/40 dark:border-white/60 border-t-transparent" aria-hidden />
               Menuju status…
             </span>

src/features/payments/components/PaymentInstructions.tsx

@@ -1,13 +1,15 @@
 import React from 'react'
 import type { PaymentMethod } from './PaymentMethodList'
 
-export function PaymentInstructions({ method }: { method: PaymentMethod }) {
+export function PaymentInstructions({ method, title, steps }: { method?: PaymentMethod; title?: string; steps?: string[] }) {
-  const steps = getSteps(method)
+  const computed = steps ?? (method ? getSteps(method) : [])
+  const finalSteps = computed.length ? computed : ['Ikuti instruksi yang muncul pada layar pembayaran.']
+  const finalTitle = title ?? 'Cara bayar'
   return (
-    <div className="mt-2 rounded border border-black/10 dark:border-white/10 p-3 bg-black/2 dark:bg-white/5">
+    <div className="mt-2 rounded-lg border-2 border-black/30 dark:border-white/30 p-3 bg-white dark:bg-black/20" role="region" aria-label={finalTitle}>
-      <div className="text-sm font-medium mb-2">Cara bayar</div>
+      <div className="text-sm font-medium mb-2">{finalTitle}</div>
-      <ol className="list-decimal list-inside space-y-1 text-xs text-black/80 dark:text-white/80">
+      <ol className="list-decimal list-inside space-y-2 text-sm text-black/80 dark:text-white/80">
-        {steps.map((s, i) => (
+        {finalSteps.map((s, i) => (
           <li key={i}>{s}</li>
         ))}
       </ol>

src/features/payments/components/PaymentMethodList.tsx

@@ -30,26 +30,26 @@ export function PaymentMethodList({ selected, onSelect, renderPanel, disabled, e
   return (
     <div className="space-y-3">
       <div className="text-sm font-medium">Metode pembayaran</div>
-      <div className="divide-y divide-black/10 dark:divide-white/10 rounded border border-black/10 dark:border-white/10">
+      <div className="rounded-lg border-2 border-black/30 dark:border-white/30 divide-y-[2px] divide-black/20 dark:divide-white/20 bg-white dark:bg-black">
         {items.map((it) => (
           <div key={it.key}>
             <button
               onClick={() => !disabled && onSelect(it.key)}
               disabled={disabled}
-              className={`w-full text-left p-3 flex items-center justify-between ${disabled ? 'opacity-50 cursor-not-allowed' : 'cursor-pointer hover:bg-black/5 dark:hover:bg-white/10'} ${selected === it.key ? 'bg-black/5 dark:bg-white/10' : ''}`}
+              className={`w-full text-left p-4 min-h-[52px] flex items-center justify-between ${disabled ? 'opacity-60 cursor-not-allowed' : 'cursor-pointer hover:bg-black/10 dark:hover:bg-white/15'} ${selected === it.key ? 'bg-black/10 dark:bg-white/20' : ''} focus-visible:outline-none focus-visible:ring-[#2563EB] focus-visible:ring-[3px] focus-visible:ring-offset-2 focus-visible:ring-offset-white dark:focus-visible:ring-offset-black`}
               aria-pressed={selected === it.key}
               aria-expanded={selected === it.key}
               aria-controls={`panel-${it.key}`}
             >
               <div>
-                <div className="font-medium">{it.title}</div>
+                <div className="text-base font-semibold text-black dark:text-white">{it.title}</div>
-                <div className="text-xs text-black/60 dark:text-white/60">{it.subtitle}</div>
+                <div className="text-sm text-black/70 dark:text-white/70">{it.subtitle}</div>
               </div>
               <div className="flex items-center gap-2">
                 <span className="hidden sm:block" aria-hidden>
                   {it.icon}
                 </span>
-                <span aria-hidden className={`text-black/40 dark:text-white/40 transition-transform ${selected === it.key ? 'rotate-90' : ''}`}>›</span>
+                <span aria-hidden className={`text-black/60 dark:text-white/60 text-lg transition-transform ${selected === it.key ? 'rotate-90' : ''}`}>›</span>
               </div>
             </button>
             {selected === it.key && renderPanel && (

src/features/payments/components/PaymentSheet.tsx

@@ -1,4 +1,5 @@
 import React from 'react'
+import { Link } from 'react-router-dom'
 import { TrustStrip } from './TrustStrip'
 
 function formatCurrencyIDR(amount: number) {
@@ -33,18 +34,27 @@ export function PaymentSheet({ merchantName = 'Zara', orderId, amount, expireAt,
     <div className="max-w-md">
       <div className="card overflow-hidden">
         {/* Header */}
-        <div className="bg-[#0c1f3f] text-white p-4 flex items-center justify-between">
+        <div className="bg-[#0c1f3f] text-white p-3 sm:p-4 flex items-center justify-between">
-          <div className="flex items-center gap-3">
+          <div className="flex items-center gap-2 sm:gap-3">
-            <div className="rounded bg-white text-black px-2 py-1 text-xs font-bold">ZARA</div>
+            <div className="rounded bg-white text-black px-2 py-1 text-[11px] sm:text-xs font-bold" aria-hidden>
-            <div className="font-semibold">{merchantName}</div>
+              ZARA
+            </div>
+            <div className="font-semibold text-sm sm:text-base">{merchantName}</div>
           </div>
-          <div className="flex items-center gap-3">
+          <div className="flex items-center gap-2 sm:gap-3">
-            <div className="text-xs text-white/80">Bayar dalam <span className="font-semibold text-white">{countdown}</span></div>
+            <div
+              className="text-xs sm:text-sm text-white/80"
+              role="timer"
+              aria-live="polite"
+              aria-label={`Kedaluwarsa dalam ${countdown}`}
+            >
+              Kedaluwarsa dalam <span className="font-semibold text-white">{countdown}</span>
+            </div>
             <button
               aria-label={expanded ? 'Collapse' : 'Expand'}
               aria-expanded={expanded}
               onClick={() => setExpanded((v) => !v)}
-              className={`text-white/80 transition-transform ${expanded ? '' : 'rotate-180'}`}
+              className={`text-white/80 transition-transform ${expanded ? '' : 'rotate-180'} focus-visible:outline-none focus-visible:ring-3 focus-visible:ring-white/80 focus-visible:ring-offset-2`}
             >
               ˅
             </button>
@@ -65,6 +75,16 @@ export function PaymentSheet({ merchantName = 'Zara', orderId, amount, expireAt,
           {children}
           <TrustStrip location="sheet" />
         </div>
+        {/* Sticky CTA (mobile-friendly) */}
+        <div className="sticky bottom-0 bg-white/95 dark:bg-neutral-900/95 backdrop-blur border-t border-black/10 dark:border-white/10 p-3 pb-[env(safe-area-inset-bottom)]">
+          <Link
+            to={`/payments/${orderId}/status`}
+            aria-label="Buka halaman status pembayaran"
+            className="w-full block text-center rounded bg-[#0c1f3f] text-white py-3 text-base font-semibold hover:bg-[#0a1a35] focus:outline-none focus-visible:ring-3 focus-visible:ring-offset-2 focus-visible:ring-[#0c1f3f]"
+          >
+            Cek status pembayaran
+          </Link>
+        </div>
       </div>
     </div>
   )