The growing use of digital wallet services has made electronic payments faster and more convenient, but features such as one-click payments, personalised promotions, cashback offers, and urgency-based notifications may also influence consumers’ purchasing decisions. This article examines the adequacy of Indonesia’s legal framework for protecting digital wallet users against potentially manipulative interface practices associated with impulsive buying and identifies legal measures to strengthen consumer protection. It employs normative legal research using statutory and conceptual approaches, drawing on legislation and relevant legal scholarship. The analysis focuses on consumer protection, electronic transactions, personal data protection, and financial-sector regulation. The findings indicate that Indonesia has an established legal framework governing consumer rights, electronic transactions, data processing, and financial consumer protection. However, the framework does not yet provide a sufficiently integrated and operational standard for assessing potentially manipulative interface designs in digital wallet services. The resulting regulatory gap concerns the identification of prohibited design practices, the allocation of responsibility according to the provider’s actual functions and control, and the accessibility of remedies for affected consumers. This article proposes an integrated framework combining preventive design safeguards, proportionate transaction controls, clearer accountability standards, and accessible complaint and dispute-resolution mechanisms. It argues that regulatory intervention should distinguish ordinary unplanned purchases from transactions involving misleading design or unauthorised payment, while balancing consumer autonomy, payment efficiency, and technological innovation.