QRIS Cross-Border

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QRIS Cross-Border​​



QRIS Cross-Border is a digital payment solution designed to facilitate seamless cross-border transactions for tourists and businesses. Through this system, Indonesian tourists traveling abroad can make payments at partner merchants by scanning a QR code using their domestic payment applications. Likewise, international tourists visiting Indonesia can use QRIS to conduct transactions at merchants that accept this payment method.

QRIS Cross-Border aims to support trade and tourism activities while empowering micro, small, and medium enterprises (MSMEs) by enabling them to accept digital payments. In addition, this system contributes to strengthening macroeconomic stability using local currencies under the Local Currency Transaction (LCT) framework in bilateral transactions. With QRIS Cross-Border, cross-border payment processes become more secure, and efficient.

Currently, QRIS Cross-Border has established cooperation with several partner countries, namely Thailand, Malaysia, Singapore, and Japan (Indonesia Outbound).


QRIS Cross-Border Payment Service Providers (PSPs)

The following are the Payment Service Providers (PSPs) that have facilitated QRIS Cross-Border in each respective country:



No​ ​

Country​​
 ​Indonesian Travellers Transacting in Partner Countries​  ​
 International Travellers Transacting in Indonesia​
PJP Issuer
QR Standard in Partner Country
 Transaction Limit

 PJP Issuer
1
Thailand
  1. ​ BCA 
  2. BPD Bali
  3. Bank Permata 
  4. CIMB Niaga 
  5. LinkAja 
  6. BSI 
  7. Bank Mega 
  8. Finnet Indonesia 
  9. Bank Pan Indonesia 
  10. Bank Sinarmas 
  11. DANA 
  12. Bank Mandiri 
  13. OCBC NISP 
  14. Bank Ina Perdana 
  15. BTN 
  16. Bank Nagari 
  17. Ottocash 
  18. Bank Danamon 
  19. Gopay 
  20. Bank DBS 
  21. BNI 
  22. SMBC 
  23. BRI

 PromptPay​
 ​In accordance with Bank Indonesia regulations regarding QRIS​

​ ​

  1. ​ ​Bangkok Bank 
  2. Krungthai Bank 
  3. CIMB Thai 
  4. Bank of Ayudya (BAY) / Krungsri Bank 
  5. Kasikornbank Public Company Limited 
  6. Siam Commercial Bank PCL., LTD 
2
Malaysia
  1. BCA
  2. DANA
  3. Bank Sinarmas
  4. Bank Permata
  5. CIMB Niaga
  6. BSI
  7. Bank Mega
  8. BPD Bali
  9. Finnet Indonesia
  10. Bank Danamon
  11. Ottocash
  12. LinkAja
  13. Bank Mandiri
  14. ShopeePay
  15. Bank Ina Perdana
  16. BTN
  17. Bank Woori Saudara
  18. Bank Nagari
  19. Bank DBS
  20. BNI
  21. SMBC
  22. BRI
  23. Bank Pan Indonesia
DuitNow QR
  1. ​​CIMB Bank 
  2. Hong Leong Bank 
  3. Public Bank 
  4. Touch ‘n Go eWallet 
  5. Bank of China 
  6. Finexus 
  7. UOB 
  8. Boost 
  9. AmBank 
  10. BigPay 
  11. Maybank 
  12. Razer 
  13. FassPay 
  14. BankIslam Malaysia Berhad 
  15. RHB Bank 
  16. Agrobank 
  17. Revenue Solutions 
  18. SNT 
3
Singapura
  1. B​CA
  2. Bank Mega
  3. BRI
  4. Bank Permata
  5. CIMB Niaga
  6. BPD Bali
  7. BSI
  8. DANA
  9. NETZME
  10. Bank Sinarmas
  11. Bank Mandiri
  12. Bank Ina Perdana
  13. MNC Teknologi
  14. Finnet Indonesia
  15. Bank Pan Indonesia
  16. Bank Nagari
  17. Bank Danamon
  18. Bank DBS
  19. BNI




 NETS QR
  1. OCBC Bank
  2. UOB
  3. DBS Paylah
​4
Jepang​

  1. ​​ ​CIMB Niaga 
  2. Bank Mega 
  3. Bank Sinarmas 
  4. OCBC NISP 
  5. Gopay 
  6. Netzme 
  7. Bank Permata 
  8. Bank Mandiri 
  9. BPD Bali 
  10. BCA
  11. BTN 
  12. SMBC 
  13. Finnet Indonesia 
  14. MNC Teknologi 
  15. Bank Woori Saudara  
  16. ShopeePay 
  17. Bank Danamon 
  18. BNI ​
  19. BRI
​		 ​JPQR Global
 ​TBA (To be Announced)

​​

How to Use QRIS Cross-Border:

Indonesian Users:​

QRIS-Antarnegara-.png​

Foreign Users:

Foreign users can make transactions at all QRIS merchants in Indonesia by following these steps:

  1. Open the payment application.
  2. Scan the QRIS code at the merchant.
  3. Enter the payment amount in Indonesian Rupiah (IDR).
  4. Confirm the transaction details and the amount in your local currency.
  5. Enter your PIN.
  6. Transaction successful.

Tampilan-QRIS.png 

Contoh Tampilan QRIS

For Merchants in Indonesia:

QRIS Cross-Border offers convenience for merchants in accepting payments from international tourists. Merchants can simply use their existing QRIS to receive payments from tourists from partner countries. Most QRIS Payment Service Providers (PSPs) have already facilitated these transactions; however, merchants are advised to reconfirm with their respective PSPs whether they are able to accept QRIS Cross-Border payments.

Notably, although payments are made in foreign currencies, merchants will receive the funds in Indonesian Rupiah (IDR) based on the billed amount. Merchants will not be charged any additional fees to accept QRIS Cross-Border transactions.

​

​



Cerita-BI-QRIS.jpg​​​​​​​​

Frequently Asked Questions

FAQ QRIS Antarnegara​​

QRIS Cross-Border is the interconnection of Indonesia’s national QR code–based payment standard (QRIS) with the QR code standards of other countries to enable cross-border payment transactions. This scheme operates under a cooperation framework initiated and established by central banks, along with a business model that involves industry participants from both countries.

QRIS Cross-Border aims to facilitate trade activities and the tourism sector, particularly for micro, small, and medium enterprises (MSMEs), while strengthening macroeconomic stability through the use of local currencies in bilateral transactions.

In addition, this initiative is expected to provide more payment options for cross-border transaction users and to play an important role in enhancing transaction efficiency and promoting economic and digital financial inclusion.

Through the development of QRIS Cross-Border features, Indonesian users can conduct transactions in partner countries, while merchants in Indonesia can accept payments from international tourists.

The QR-based payment connectivity transaction scheme adopts an interconnection model between the payment switchers of the two countries, with settlement conducted through Appointed Cross Currency Dealer (ACCD) banks using local currencies. Through this interconnection, tourists from partner countries can conduct transactions by scanning QRIS using their domestic payment applications. Conversely, Indonesian tourists can scan the partner country’s QR code using Indonesian payment applications that are already connected to QRIS.

No registration is required. Indonesian users can directly conduct transactions using domestic payment applications that participate in QRIS Cross-Border. Meanwhile, merchants in Indonesia can accept payments from tourists from partner countries using their existing QRIS.

The fees charged to Indonesian merchants are the same as those applied to domestic QRIS transactions, using the Merchant Discount Rate (MDR) scheme as stipulated by Bank Indonesia.

Transactions are processed and received in real time once the transaction is successfully completed.

You can make QR payments at stores or merchants that display the following logos:

a.     In Thailand, you can identify the PromptPay QR logo.
QRIS-Thailand.png
b.    In Malaysia, you can identify the DuitNow QR logo.
QRIS-Malaysia.png
c.     In Singapore, you can identify the NETS QR logo.
QRIS-Singapur.png
d.    In Japan, you can identify the JPQR Global logo.
QRIS-Jepang.png

These logos indicate that the merchant supports QRIS Cross-Border transactions.

Yes. Both the user making the payment and the merchant receiving the payment will immediately receive a notification from their payment application once the transaction is successful.

The transaction limit for QRIS Cross-Border is the same as the domestic QRIS transaction limit in Indonesia, which is IDR 10,000,000 per transaction

Indonesian tourists transacting in partner countries:

The exchange rate is automatically converted, so the Indonesian Rupiah (IDR) balance in the tourist's payment account is directly debited through the Indonesian payment application used, and the partner-country merchant will immediately receive a successful transaction notification in the local currency.

Tourists from partner countries transacting in Indonesia:

The exchange rate is automatically converted, so the balance in the partner country's local currency in the tourist's payment account is directly debited through the payment application used, and the Indonesian merchant will immediately receive a successful transaction notification in Indonesian Rupiah (IDR).

If you experience any issues when making a payment using QRIS Cross-Border, please report the matter to the Indonesian Payment Service Provider (PSP) whose application was used for the transaction.

Security features are a key aspect assessed during the QRIS Cross-Border pilot phase. After the pilot process, service providers are required to fulfil operational readiness requirements, system security and reliability standards, risk management implementation, and consumer protection measures before obtaining approval from Bank Indonesia to become a QRIS Cross-Border operator. Accordingly, PSP applications must be equipped with security features to help detect and prevent fraudulent transactions.

QRIS Cross-Border users, including merchants, are advised to understand how to properly use QRIS Cross-Border to ensure safe transactions. This includes verifying that the QR code scanned matches the name of the merchant where the transaction is conducted and checking the transaction notification in the application after the payment is completed by both the consumer and the merchant. If a consumer suspects fraud or encounters any issues during a transaction, they are advised to immediately contact the relevant PSP.




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