🇮🇩 QRIS – Indonesia's Universal QR Payment Standard

QRIS (Quick Response Code Indonesian Standard) is Indonesia's national QR payment standard, introduced by Bank Indonesia (BI) and officially launched on January 1, 2020. Before QRIS, every payment app in Indonesia — GoPay, OVO, Dana, LinkAja, ShopeePay — used its own proprietary QR code format, forcing merchants to display multiple QR codes at their checkout counters. QRIS unified all of these into a single standard based on the EMV Merchant Presented Mode (MPM) specification.

Today, any merchant registered with Bank Indonesia receives a single QRIS QR code that can be scanned by any of the 50+ participating payment apps and banking apps in Indonesia — including all major state banks (BCA Mobile, Mandiri Livin', BRI Mobile, BNI Mobile) and digital wallets. The customer's app handles the routing transparently: a GoPay user and an OVO user can both scan the same QRIS code.

Indonesia's adoption of QRIS has been remarkable. Within three years of launch, over 30 million merchants had registered — from street food vendors (warung) and motorbike taxi drivers to shopping malls and government offices. As of 2024, QRIS processes hundreds of millions of transactions monthly, making Indonesia one of Southeast Asia's most active QR payment markets.

The QRIS standard classifies merchants into four tiers based on annual revenue:

• Usaha Mikro (Micro) — Annual revenue below Rp 300 million. The most common category, covering street vendors, food stalls and small craftspeople. Lower transaction fees apply (capped at 0.3% for micro-enterprises).
• Usaha Kecil (Small) — Annual revenue Rp 300 million to Rp 2.5 billion. Includes small shops, service providers and local restaurants.
• Usaha Menengah (Medium) — Annual revenue Rp 2.5 billion to Rp 50 billion. Covers mid-sized businesses and regional chains.
• Usaha Besar (Large) — Annual revenue above Rp 50 billion. Standard merchant discount rate (MDR) of 0.7% applies.

Technically, a QRIS payload is a sequence of TLV (Tag-Length-Value) fields encoded as a plain ASCII string. The merchant's National Merchant ID (NMID) is assigned at registration and encoded in field ID 26 alongside the QRIS Application Identifier ID.CO.QRIS.WWW. The transaction currency is always IDR (code 360) — Indonesian Rupiah has no decimal subdivision, so amounts are always whole numbers. The payload ends with a CRC16-CCITT checksum to prevent data corruption.

Who uses QRIS? Nearly every segment of Indonesian commerce:

• Street vendors and warungs display a printed QRIS sticker — customers scan and confirm payment in seconds without cash or change.
• E-commerce and ride-hailing apps (Tokopedia, Shopee, Gojek, Grab) generate dynamic QRIS codes at checkout with pre-filled amounts.
• Parking lots, toll gates and government counters use QRIS for contactless payment collection.
• Tourism businesses — hotels, tour operators, restaurants — increasingly rely on QRIS to serve both domestic and international visitors, as several foreign payment systems have been linked to QRIS via cross-border agreements.

QRPayHub's QRIS generator produces fully spec-compliant EMV payloads with a CRC16 checksum computed entirely in your browser — free, instant and without any server-side processing or data collection.