Indonesia QR Code Payment
QRIS: The QR system that unified Indonesia's payments
The QRIS Revolution
Before 2020
GoPay had its own QR, OVO had its own QR, Dana had its own QR → merchants needed 5+ different QR stickers
After QRIS (2020)
ONE universal QR code → any of 50+ apps can scan any merchant QR
Bank Indonesia mandated QRIS for all payment providers to end fragmentation and guarantee interoperability.
Indonesia's QR Payment Numbers
🏪
30M+
Registered merchants
👥
100M+
QRIS users
📱
50+
Supported apps & banks
💰
Rp 10,000,000
Max per transaction
📉
0.3%
MDR for micro merchants
🏛️
0%
Government/social transactions
The QRIS Ecosystem
E-wallets: GoPay, OVO, Dana, LinkAja, ShopeePay
Banks: BCA, Mandiri, BRI, BNI, CIMB, Permata, 40+ more
International: PayNow (SG), DuitNow (MY), PromptPay (TH), UPI (IN)
Technical: How QRIS Works
- Based on: EMV Merchant Presented QR (same as PIX, PromptPay)
- AID:
ID.CO.QRIS.WWW - Currency: 360 (IDR)
- Country code: ID
- Merchant ID: NMID (National Merchant ID)
000201 0211ID.CO.QRIS.WWW 5204XXXX 5303360 5802ID 5910NMID12345 6304XXXX
Merchant Categories & Fees
| Category | Bahasa | Revenue | MDR |
|---|---|---|---|
| Micro | Usaha Mikro | < Rp 300M/year | 0.3% |
| Small | Usaha Kecil | Rp 300M–2.5B | 0.7% |
| Medium | Usaha Menengah | Rp 2.5B–50B | 0.7% |
| Large | Usaha Besar | > Rp 50B | 0.7% |
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