all payment transactions can be facilitated by the same QR Payment Code, namely QRIS, even when using different payment instruments by the end user.

QRIS is considered a game changer in terms of digital payments, oriented towards fostering inclusivity and increasing cross-border payment connectivity/linkages.

First, QRIS serves as an entry point into the digital ecosystem for MSMEs to support economic and financial inclusion.

Second, QRIS can facilitate various payment instruments and sources of funds. The provision of various alternative payment methods through QRIS, both offline and online, is expected to increase the business activity of merchants as well as the quality of services offered to end users, supported by cost efficiency.

Third, expanding access to digital payments will unlock compelling opportunities to expand access to other digital financial services, including financing and investment.​​

On the other hand, QRIS also supports cross-border payment linkages through QRIS Cross-Border, which prioritises the use of local currencies to support macroeconomic stability.

A merchant needs only to open an account with one QRIS PSP licensed by Bank Indonesia. Merchants can then receive payments from consumers using QRIS from any PSP application. So, let's use QRIS!

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Parties in QRIS Transaction Processing

The parties involved in QRIS transaction processing include Payment Service Providers (PSPs), Switching Institutions, Standard-Setting Institutions and National Merchant Repository managers. PSPs include front-end PSPs, such as issuers and/or acquirers. PSPs and Switching Institutions involved in processing QRIS transactions must be approved by Bank Indonesia.​

Sources of Funds for QRIS Transactions

QRIS transactions use funding sources in the form of bank accounts and/or payment instruments, such as debit cards, credit cards, credit facilities and/or server-based electronic money (e-money). The use of funding sources and/or payment instruments is implemented based on the proposals from Standard-Setting Institutions approved by Bank Indonesia.

QRIS Transaction Value

QRIS Transaction Value is limited to a maximum of Rp10 million per transaction. Issuers can also set daily and/or monthly cumulative limits on QRIS transactions for each QRIS end user based on the risk management conducted by the issuer.

QRIS Regulations

• Practical: Hassle-free payments without the need to carry cash. One QR code for all payment applications. Convenient, just scan and click Pay.
• Secure: More convenient transactions, protected by an international standard security system. QRIS PSPs are licensed and supervised by Bank Indonesia.
• Modern: Suitable for a modern, digital lifestyle.
• Reliable: Seamless transactions anywhere, anytime and without limits.
• Inclusive: QRIS is available to all. 

QRIS Benefits

QR Code standardisation with QRIS provides numerous benefits, including:​

For Users of Payment Applications: Just scan and pay!

• ​Fast and modern
• Hassle-free and cashless
• Universal and worry-free
• Protected as all QRIS PSPs are licensed and supervised by Bank Indonesia​

​For Merchants:

• Potentially higher sales by accepting QR-based payments
• Greater branding
• Modern
• Practical due to universal QRIS standard
• Reduce cash handling costs
• Avoid counterfeit money
• Cash float not required
• Automated transaction recording with real-time monitoring
• Separation of business and personal finances
• Reconciliation and fraud prevention in cash bookkeeping
• Build a credit profile to unlock future access to credit
  

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Types of QRIS Payments

QRIS accommodates 2 (two) payment models using QR Code, namely Merchant Presented Mode (MPM) and Consumer Presented Mode (CPM). Implementation, however, refers to the QRIS standards set by Bank Indonesia as the national standard. 

1. Merchant Presented Mode (MPM)

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Static MPM

The simplest method. Merchants present one QRIS sticker or printout, which is free. Consumers just scan, enter the value, input their PIN and click Pay. A transaction notification is received immediately by the consumer and merchant. Static QRIS MPM is intended primarily for micro and small merchants.

Dinamic MPM

QRIS is issued via an electronic device, such as an EDC or mobile phone, and is free. The merchant must input the value of the payment first, which is followed by the consumer scanning the QRIS barcode presented.

QRIS Dynamic MPM is intended for medium and large enterprises or merchants with high transaction volume.

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2. Consumer Presented Mode (CPM)

The user presents the QRIS barcode displayed in the consumer’s payment application for the merchant to scan. QRIS CPM is intended for merchants requiring fast transaction speeds, such as transportation, parking and modern retail providers.

QRIS Innovation

Expanding QRIS acceptance is supported by the sustainable innovation of QRIS features to help accelerate the digital economy and finance (EKD) through the development of QRIS TTM (facilitating remote payments without face-to-face contact), QRIS Withdrawal, Transfer and Deposit (TUNTAS) and QRIS Cross-Border.

QRIS Tanpa Tatap Muka

QRIS TTM facilitates remote payments without direct face-to-face contact. A merchant can share a QRIS code through a photo, catalogue or invoice, which the consumer can scan, enter the value and pay. The transaction is settled in real time. This solution is intended for online retail or donations, with security guaranteed and a more practical process than manual transfers.

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QRIS Tuntas (Withdrawl, Transfer, dan Deposit)

Cash withdrawals, transfers and deposits are now easier than ever with QRIS TUNTAS! As the latest innovation of the digital payment system, QRIS TUNTAS allows users to transfer funds between QRIS users as well as withdraw and deposit cash at ATM/CDM machines or QRIS TUNTAS agents by scanning the QRIS code using the interconnected payment application between bank and non-bank PSPs. QRIS TUNTAS is available using a bank account or server-based electronic money as the source of funds.

QRIS Withdrawal, Transfer and Deposit (TUNTAS) is an innovative QRIS feature that supports digital economic and financial inclusion by allowing consumers to transfer funds between QRIS users as well as withdraw and deposit cash via Automated Teller Machines (ATM)/Cash Deposit Machines (CDM) or QRIS TUNTAS agents by scanning a QRIS code using an interconnected payment application between bank and non-bank PSPs.

QRIS TUNTAS transactions are available using a bank account or server-based electronic money as the source of funds, while providing a notification feature for the users.

QRIS TUNTAS implementation is oriented towards:

1. Supporting digital economic and financial inclusion, particularly for the unbanked and underserved communities.
2. Ensuring efficiency on the user and merchant sides as well as effective service delivery by the industry.
3. ​Accommodating interconnectivity and interoperability between banks and non-banks when facilitating bank accounts and server-based electronic money.

QRIS TUNTAS Pricing Scheme

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QRIS Cross-Border

With QRIS Cross-Border, Indonesian travellers have access to convenient transactions abroad using their domestic payment application to scan a QR code displayed by a merchant in a partner country. Likewise, international travellers can make payments in Indonesia by scanning a QRIS code using a participating payment application.

QRIS Cross-Border aims to facilitate trade and tourism sector activity, particularly for MSMEs, while strengthening macroeconomic stability using local currencies through bilateral Local Currency Transactions (LCT). QRIS Cross-Border is an innovative QRIS feature that connects Indonesian QR payments with partner countries.

With QRIS Cross-Border, the cross-border payment process is more practical and efficient.

Currently, QRIS Cross-Border is available through collaboration with several partner countries, including Thailand, Malaysia and Singapore, among others.

QRIS Cross-Border PSPs​

The following PCPs facilitate QRIS Cross-Border in each country:

No​​​ ​	​Country ​	​Indonesian Travellers Transacting in Partner Countries​ ​ ​			International Travellers Transacting in Indonesia
		PSP Issuer	QR Standard in Partner Country	Transaction Limit	PSP Issuer
1	Thailand	BCA Bank Mandiri Bank Sinarmas Bank Permata Bank Syariah Indonesia CIMB Niaga Bank Mega BPD Bali DANA LinkAja Ottocash OCBC NISP INA Perdana BTN	PromptPay	Refer to Bank Indonesia Regulations concerning QRIS	Bangkok Bank Krungthai Bank Krungsri Bank CIMB Thai
2	Malaysia	BCA Bank Mandiri Bank Sinarmas Bank Permata Bank Syariah Indonesia CIMB Niaga Bank Mega BPD Bali DANA LinkAja Ottocash Finpay ShopeePay INA Perdana BTN	DuitNow QR	​	CIMB Bank Berhad Hong Leong Bank Berhad Malayan Banking Berhad Public Bank Berhad TNG Digital Sdn. Bhd Bank of China Finexus Malaysia BigPay Malaysia
3	Singapura	BCA BRI Bank Mandiri Bank Sinarmas Bank Permata Bank Syariah Indonesia CIMB Niaga Bank Mega BPD Bali DANA Netzme INA Perdana	NETS QR	​	OCBC Bank UOB DBS​

How to Use QRIS Cross-Border

Pengguna Indonesia:

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Using QRIS Cross-Border:

Indonesian Travellers Abroad

1. Open payment application
2. Scan DuitNow QR/Thai QR/NETS QR code
3. Enter value in Malaysian ringgit/Thai baht/Singaporean dollar
4. Confirm recipient and value in rupiah
5. Enter PIN
6. Payment Successful

QRIS Cross-Border; Fast (Real-Time Transactions); Convenient (Use Indonesian payment application); Affordable (Competitive fees); Secure (Contactless payments without physical media); Reliable (Anytime and anywhere)

International Travellers in Indonesia

International travellers can make payments at all QRIS merchants in Indonesia as follows:

1. Open payment application
2. Scan QRIS code
3. Enter value of payment in rupiah
4. Confirm recipient and value in respective home currency
5. Enter PIN
6. Payment Successful

 

Contoh Tampilan QRIS

For Merchants in Indonesia:

QRIS Cross-Border offers convenience when accepting payments from international travellers. Merchants can use their existing QRIS code to accept payments by international travellers from partner countries. Most QRIS PSPs can already facilitate this type of transaction, but merchants are urged to reconfirm with their respective PSP whether they can accept QRIS Cross-Border payments.

Interestingly, even though the payment is made in a foreign currency, the merchant receives payment in rupiah equivalent to the value paid. No additional fees are charged to merchants for accepting QRIS Cross-Border payments.

QRIS Pricing Schema

The Merchant Discount Rate (MDR) for processing QRIS MPM and QRIS CPM transactions is as follows:

Merchant Type	Category ​		% MDR
​​​Regular ​​ ​	Micro Enterprise (UMI)​ ​	Transaction value of ≤Rp500,000.00 (less or equal to five hundred thousand rupiah)	0%
		Transaction value of >Rp500,000.00 (more than five hundred thousand rupiah)	0.3%
	Small (UKE), Medium (UME) and Large (UBE) Enterprises ​		0.7%
​Special ​​ ​	Education   ​		0.6%
	Public Gas Stations (SPBU)  ​		0.4%
	​​Public Services Agencies (BLU), Public Service Obligations (PSO), Government-to-People (G2P) such as social aid program (bansos) disbursements, People-to-Government (P2G), including tax, passports, and social donations (non-profit).​		0%​

Become a QRIS User or Merchant

As a Merchant​

• Non-account holders must open a merchant account by visiting the branch office or registering online at one of the QRIS PSPs listed here​ [or visit www.aspi-qris.id]
• Submit the business data and documents requested by the PSP.
• After completion of the verification process, the PSP will create a Merchant ID and QRIS code.
• The PSP will forward a softcopy of the QRIS code.
• Install the merchant application or access the merchant webpage of the PSP.

• The PSP will provide education for the merchant concerning the procedures for receiving and managing payments through QRIS.​
  

  
  

​As a User

• Non-account holders must register by downloading the application of a QRIS PSP listed here​.
• Complete the registration process in line with PSP procedures.
• Top up your account.
• Use the application to make payments at QRIS merchants based on the instructions provided.

• Open the application, look for the scan icon or QRIS logo, scan the QRIS code presented by the merchant, enter the value, input your PIN, click Pay, check the notification.​
  

Frequently Asked Questions – QRIS​