Quick Response Code Indonesian Standard (QRIS)

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QRIS

Quick Response Code Indonesia Standard, abbreviated to QRIS (read ‘Kris’), is the QR Payment Code introduced by Bank Indonesia to facilitate payment transactions in Indonesia. QRIS was developed by Bank Indonesia in conjunction with the payment system industry to ensure the transaction process using QR Code is faster, more convenient, affordable, secure and reliable (CEMUMUAH). All Payment Service Providers (PSP) providing QR Code Payments are required to use QRIS.
QRIS-Pengantar.jpeg

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

PAKAI QRIS. In Indonesian, PAKAI is an abbreviation for Praktis, Aman, Kekinian, Andal and Inklusif, or Practical, Secure, Modern, Reliable and Inclusive.
  • 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

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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)

​Merchant-Presented-Mode-statis.jpg

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.

Merchant-Presented-Mode-Dinamis.jpg

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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Consumer-Presented-Mode.jpg

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

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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.
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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.


QRIS-Tuntas.jpg​

QRIS Tuntas (Withdrawl, Transfer, dan Deposit)

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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-Antarnegara.png​​​​

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
  1. BCA
  2. Bank Mandiri
  3. Bank Sinarmas
  4. Bank Permata
  5. Bank Syariah Indonesia
  6. CIMB Niaga
  7. Bank Mega
  8. BPD Bali
  9. DANA
  10. LinkAja
  11. Ottocash
  12. OCBC NISP
  13. INA Perdana
  14. BTN
 PromptPayRefer to Bank Indonesia Regulations concerning QRIS
  1. Bangkok Bank
  2. Krungthai Bank
  3. Krungsri Bank
  4. CIMB Thai
2 Malaysia
  1. BCA
  2. Bank Mandiri
  3. Bank Sinarmas
  4. Bank Permata
  5. Bank Syariah Indonesia
  6. CIMB Niaga
  7. Bank Mega
  8. BPD Bali
  9. DANA
  10. LinkAja
  11. Ottocash
  12. Finpay
  13. ShopeePay
  14. INA Perdana
  15. BTN
 DuitNow QR​
  1. CIMB Bank Berhad
  2. Hong Leong Bank Berhad
  3. Malayan Banking Berhad
  4. Public Bank Berhad
  5. TNG Digital Sdn. Bhd
  6. Bank of China
  7. Finexus Malaysia
  8. BigPay Malaysia
3 Singapura
  1. BCA
  2. BRI
  3. Bank Mandiri
  4. Bank Sinarmas
  5. Bank Permata
  6. Bank Syariah Indonesia
  7. CIMB Niaga
  8. Bank Mega
  9. BPD Bali
  10. DANA
  11. Netzme
  12. INA Perdana
 NETS QR​
  1. OCBC Bank
  2. UOB
  3. DBS​


How to Use QRIS Cross-Border

Pengguna Indonesia:

Penggunaan-QRIS-Antarnegara.png​

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

Tampilan-QRIS.png 

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.


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QRIS Pricing Schema

The Merchant Discount Rate (MDR) for processing QRIS MPM and QRIS CPM transactions is as follows:
Merchant Type Category ​
 % MDR
​​​Regular
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 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
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 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

QRIS-sebagai-Merchant.png

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.​


QRIS-sebagai-Pengguna.png

​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​

QR code is a two-dimensional (2D) matrix code consisting of three square patterns in the lower left corner, upper left corner and upper right corner. A QR code has black modules in the form of squares, dots or pixels, and can store alphanumeric data, characters and symbols.

In the payment system, QR code is a technology that helps devices transmit data quickly, efficiently and simply, particularly in terms of payment transactions.

Cashless payment and financial sector services are beneficial for the economy and society. The benefits include inclusive, efficient and effective cashless payment services in the retail sector, particularly for the micro segment, while accelerating various programs and initiatives relating to cashless and inclusive finance and fostering collaboration in the payment system.

The numerous benefits prompted Bank Indonesia to seek appropriate strategies and methods to ensure retail transactions could be performed quickly and pragmatically using QR code.

QR code payments are one of Indonesia's initiatives and solutions to embracing the digital economy because various other digital transactions can be derived based on consumer transaction data from QR code payments.

QRIS (Quick Response Code Indonesian Standard) is QR Code payment standardisation by Bank Indonesia. QRIS ensures the transaction process using QR Code is faster, convenient, affordable, secure and reliable (CEMUMUAH). Prior to standardisation using QRIS, payment applications could only be used to make payments to merchants with accounts from the same PSP because QR code payments were not standardised. With the introduction of QRIS standards, payment applications from all PSPs can be used to make QR code payments at all merchants despite using different PSPs. In addition, QRIS standards also allow merchants to receive payments from any application by opening an account with just one PSP offering QRIS services. Merchants with many QR codes from different PSPs can also receive payments to all accounts with just one QRIS code.
QRIS accommodates 2 (two) payment methods:
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  1. Merchant Presented Mode (MPM): Merchants present their QR code on a sticker, information board or LCD screen which can be scanned by the consumer.
    • Static MPM: The QR Code does not contain the transaction value, which the consumer must enter manually.
    • Dynamic MPM: The QR Code contains the transaction value, allowing for faster and more accurate payments.
  2. Consumer Presented Mode (CPM): Users present a QR code from their mobile phone to be scanned by the merchant.
QRIS was launched on 17th August 2019 for mandatory use commencing 31st December 2019. All QR payment codes must be in accordance with QRIS standards.
No, the transaction process for QRIS still uses the existing payment applications. QRIS allows consumers to use the payment application of any PSP to scan a payment QR code.
  • Bank Indonesia issued Board of Governors Regulation (PADG) No. 24/1/PADG/2022, dated 25th February 2022, as the second amendment to Board of Governors Regulation (PADG) Number 21/18/PADG/2019 concerning the Implementation of Quick Response Code National Standards for Payments.
  • QRIS transaction value is limited to a maximum of Rp10 million per transaction. PSP can also set daily and/or monthly cumulative limits based on their risk management.​

All QRIS PSPs must be approved by Bank Indonesia. The main requirements are as follows:

  • System reliability and risk mitigation
  • Consumer protection capabilities
  • Appropriate Know Your Customer (KYC) registration process​

QRIS was developed based on EMVCo's international standards. This open-source standard was designed for adoption to support greater interconnection and accommodate specific country needs, thereby facilitating interoperability between providers, instruments and countries. The format is currently used in various other jurisdictions, such as India, Thailand, Singapore, Malaysia, South Korea and so on.

Bank Indonesia has collaborated with several partner countries to facilitate QRIS Cross-Border, which allows Indonesian travellers to transact using QRIS abroad as well as international travellers to make payments at QRIS merchants in Indonesia.


QRIS is currently used throughout all provinces and regencies/cities in Indonesia, including micro enterprises, places of worship, schools and travel destinations.
Anyone with a mobile phone that has a camera and data connectivity, as well as an electronic payment account, can use QRIS.
  • Flexibility when choosing a payment application.
  • No adjustments required for QR Codes from specific PSP. 


  1. Download the payment application of a registered PSP.
  2. Ensure a sufficient account balance.
  3. Scan the merchant's QRIS code, enter the value and authorise the payment. 

All electronic money (e-money) applications, digital wallets or mobile banking applications from PSPs licensed by Bank Indonesia can use QRIS.
There are no additional fees for consumers when using QRIS.​
 Contact the Call Centre of the relevant PSP or merchant to resolve the payment issue. ​
  • Use the payment application of a PSP licensed by Bank Indonesia
  • Verify the name of the merchant prior to payment
  • Check of the transaction notification received after a successful payment​

Merchants must register with a PSP licensed by Bank Indonesia. Once registered with a PSP, merchants will receive a QRIS code that is ready to use. ​
The QRIS transaction fee for merchants was set by Bank Indonesia based on recommendations from the industry. Consumers do not pay any transaction fees when using QRIS. ​
Merchants must replace old QR Codes with QRIS. Contact the relevant PSP concerning the replacement process.​
Merchants only require one QRIS code for all merchant accounts held. Check with your PSP for further information. ​
No physical documents are required but can be presented by the Merchant upon request by the Consumer. ​
Instruct the consumer to contact their PSP. Merchants can also contact the QRIS provider if required.​

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[1] by scanning a QRIS code using an interconnected payment application between bank and non-bank PSPs.

 

QRIS TUNTAS transactions are available using bank accounts or server-based electronic money as the source of funds, while providing a notification feature for the users, which can facilitate the funding sources used in the form of bank accounts or server-based electronic money.



[1] Agents that meet the requirements in accordance with Bank Indonesia regulations.

The QRIS TUNTAS National Standard was developed by Bank Indonesia in synergy with the Indonesia Payment System Association (ASPI) and representatives from payment system service providers. Bank Indonesia finalised and retains ownership of the QRIS TUNTAS National Standard.

 

The QRIS TUNTAS National Standard is supported by a competitive QRIS TUNTAS pricing scheme formulated by Bank Indonesia based on recommendations and input from ASPI and industry players.


As a game changer in the digital payments space, the innovative QRIS TUNTAS feature allows 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. This differs from existing QRIS features, which are oriented towards payments. 
  1. Cash withdrawals, transfers and deposits using QRIS TUNTAS are simple, convenient and secure by just scanning a QRIS TUNTAS code.
  2. With QRIS TUNTAS, use​rs can withdraw, transfer and deposit cash using a bank account or server-based electronic money as the source of funds between PSPs, bank PSPs and non-bank PSPs, thereby increasing payment system interconnectivity and interoperability. QRIS TUNTAS provides several value added beyond existing services as follows:
    1. Expanding cash withdrawals between bank and non-bank PSPs, which were restricted previously.
    2. Providing access to off-us transfers between non-bank PSPs (funds transfers using server-based electronic money between non-bank PSPs).
    3. Expanding off-us cash deposits between bank PSPs as well as between bank and non-bank PSPs.
  3. QRIS TUNTAS can increase digital economic and financial inclusion by providing unbanked and underserved communities access to banking services in the form of cash withdrawals, transfers and deposits, while supporting government programs, using server-based electronic money as the source of funds and optimising the function of QRIS TUNTAS agents.
  4. The pricing scheme for QRIS TUNTAS is comparatively more efficient than the fees currently charged for similar services by the industry.
​​QRIS TUNTAS is available to anyone with a bank account or server-based electronic money account held at a PSP offering QRIS TUNTAS services. Server-based electronic money accountholders must ensure that the account is registered with a valid ID to activate the QRIS TUNTAS feature.
Yes, users must have a bank account or server-based electronic money account as a source of funds for payments via PSP offering QRIS TUNTAS services to use the QRIS TUNTAS feature.  
  1. Cash Withdrawals: Users can make cash withdrawals via ATMs or QRIS TUNTAS agents by scanning the QRIS code presented at the ATM/terminal or QR QRIS TUNTAS agent.
  2. Funds Transfers: Funds transfers between QRIS users, where Senders can transfer funds by scanning the QRIS code of the recipient between bank PSPs, or between bank and non-bank PSPs.
  3. Cash Deposits: Users can make cash deposits via terminals/ATM/CDM or QRIS TUNTAS agents by presenting the User's QRIS to be scanned by the QRIS TUNTAS agent, or by scanning the QRIS code presented at the terminal/ATM/CDM or QRIS TUNTAS agent. 


For cash withdrawals, consumers can use ATM machines owned by PSPs offering QRIS TUNTAS services or QRIS merchants fulfilling the requirements to become a QRIS TUNTAS agent.

For funds transfers, transactions are processed directly between the sender and recipient of the funds by scanning the QRIS TUNTAS code presented by the recipient (funds transfers between QRIS users).

For cash deposits, consumers can use ATM machines owned by PSPs offering QRIS TUNTAS services or QRIS merchants fulfilling the requirements to become a QRIS TUNTAS agent. ​


QRIS TUNTAS was first introduced for PSPs ready to develop the QRIS TUNTAS feature from 1st September – 30th November 2023.​

After QRIS TUNTAS has been designated as the national standard, all bank and non-bank PSPs can submit a request for approval to provide QRIS TUNTAS services in accordance with the regulations and requirements contained in Bank Indonesia Regulations (PBI) concerning the Payment System, Payment Service Providers (PSP) and Payment System Infrastructure Operators (PIP).

The QRIS TUNTAS feature was launched after various development stages, including a trial phase by the industry within the Bank Indonesia Payment System Technology Innovation Hub. In total, 16 Payment Service Providers (PSP) and Payment System Infrastructure Operators (PIP) participated in the trials as first movers, followed by other PSPs that were ready to develop this feature.


The cash deposit and withdrawal features through QRIS TUNTAS are available via ATM/CDM machines or QRIS merchants that have fulfilled the requirements to become QRIS TUNTAS PSP agents. ATM/CDM terminals featuring QRIS TUNTAS will present a QRIS TUNTAS option for cash withdrawals or cash deposits via their interface. Meanwhile, merchants acting as QRIS TUNTAS agents that can facilitate QRIS TUNTAS transactions will present the appropriate information concerning QRIS TUNTAS for cash withdrawals and deposits.
  1. The fee for cash withdrawals using QRIS TUNTAS is Rp6,500/transaction for on-us transactions (within a PSP) through agents and off-us transactions (between PSPs). Meanwhile, on-us transactions (within a PSP) via ATM terminals are not subject to any charges. The fees are lower than the current cost of off-us cash withdrawals via ATM terminals at Rp7,500 and cash withdrawals through an agent priced at Rp10,000-20,000.
  2. The fee for funds transfers using QRIS TUNTAS is Rp2,500/transaction. For transactions with a value of up to Rp100,000, however, the fee for transferring funds is just Rp2,000/transaction to support inclusion. The fee is applicable to off-us transactions (between PSPs), while on-us transactions (within a PSP) are not subject to any fees.
  3. The fee for cash deposits using QRIS TUNTAS is Rp5,000/transaction for on-us transactions through agents and off-us transactions, while no fees are charged for on-us transactions via ATMs. The fees are lower than the current cost of cash deposit transactions through agents in the range of Rp10,000-20,000. Off-us cash deposit services (within a PSP) using PSP delivery channels remain extremely limited, with QRIS TUNTAS expected to provide an optimal solution. 


The QRIS TUNTAS transaction limit follows the existing QRIS transaction limit. Currently, the QRIS transaction limit is set at a maximum of Rp10 million per transaction.
  1. By fostering inclusion, QRIS TUNTAS can support economic activity by expanding access to cash withdrawals, transfers and deposits quickly, conveniently, affordably, securely and reliably for all social strata, particularly underserved communities, in all regions of the Indonesian archipelago, including frontier, outermost and remote (T) regions.
  2. QRIS TUNTAS is also oriented towards supporting payment system stability through interconnectivity and interoperability between bank and non-bank PSPs as well as between different sources of funds in the form of bank accounts and server-based electronic money.
  3. In addition, QRIS TUNTAS can nurture sustainable economic growth through efficient pricing by ensuring the continuity of services within the industry.


QRIS TUNTAS can be utilised by unbanked and underserved communities, including daily workers, freelancers and the gig economy, to transfer funds from the income received in the form of server-based electronic money to their families in rural or remote areas at low cost.

In addition, communities in rural and remote areas without access to bank branches or ATM machines can withdraw and deposit cash via QRIS TUNTAS agents at low cost.


QRIS Cross-Border is an interconnected national payment standard based on QR Code Indonesia (QRIS) with the QR code of a partner country for payment transactions through a linkage scheme initiated and determined by central banks, supported by business models involving the payment industry in both countries. 

QRIS Cross-Border aims to facilitate trade and tourism sector activity, particularly for MSMEs, while strengthening macroeconomic stability through the use of local currencies for bilateral transactions.

In addition, this initiative expands the cross-border payment options and plays a critical role in improving transaction efficiency as well as promoting digital economic and financial inclusion.

The QRIS Cross-Border feature allows Indonesian travellers to transact in partner countries and merchants in Indonesia to accept payments by international travellers.



The QR-based payment connectivity scheme uses an interconnection model between switchers in both countries, where settlement is performed by an Appointed Cross Currency Dealer (ACCD) in the home/local currency. Through such interconnection, tourists from partner countries can make payments by scanning the QRIS code using their local payment application. Similarly, Indonesian tourists can scan QR codes in partner countries using their Indonesian payment application, which is already connected to QRIS. 
Registration is not required. Users in Indonesia can automatically transact using participating Indonesian payment applications. Meanwhile, merchants in Indonesia can accept payments by tourists from partner countries using their existing QRIS code.
The costs and fees charged to merchants in Indonesia are the same as for domestic QRIS transactions based on the Merchant Discount Rate (MDR) set by Bank Indonesia.
Transactions are processed in real-time after a successful payment is made. ​

QR payments can be made at shops/merchants displaying one of the following logos:

In Thailand, look for the PromptPay QR logo​


In Malaysia, look for the DuitNow QR logo


In Singapore, look for the NETS QR logo



Yes. Users making payments and merchants receiving payments will receive a notification immediately from the payment application after a successful payment. ​
The transaction limit using QRIS Cross-Border is the same as the domestic QRIS transaction limit in Indonesia, namely Rp10 million per transaction. 

Indonesian Tourists Transacting in Partner Countries: The exchange rate is converted immediately so the rupiah funds in the account of the Indonesian tourist can be debited in real time within the Indonesian payment application used, while the merchant in the partner country receives a notification immediately of a successful payment in the currency of the partner country.

 

Foreign Tourists Transacting in Indonesia: The exchange rate is converted immediately so the local currency funds in the account of the foreign tourist can be debited in real time within the foreign payment application used, while the merchant in Indonesia receives a notification immediately of a successful payment in rupiah.



In the event of a transaction issue/dispute using QRIS Cross-Border, please contact the PSP in Indonesia responsible for the application used. ​

The security features of QRIS Cross-Border were assessed and tested rigorously during the trial stage. After the trial process, operators must meet stringent aspects of operational readiness, system security and reliability, risk management and consumer protection prior to receiving approval from Bank Indonesia as a provider of QRIS Cross-Border services. To that end, PSP applications must feature security elements to help detect and prevent fraudulent transactions.

 

QRIS Cross-Border consumers, including merchants, must understand QRIS Cross-Border features to guarantee secure transactions, which includes ensuring the name on the QRIS code scanned is the same as the merchant accepting the payment as well as checking the transaction notification immediately after a successful payment by the consumer and merchant. If a consumer suspects fraud or any other transaction issues, they are advised to contact the relevant PSP immediately. 



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