How to Use QRIS in Indonesia
One QR code, 50+ apps – here's how it works
What is QRIS?
QRIS (Quick Response Code Indonesian Standard) is Indonesia's national QR payment standard, introduced by Bank Indonesia. Instead of separate QR codes per app, a single code works with GoPay, OVO, Dana and 50+ other apps. For more background, see the full QRIS guide.
Method 1: Pay at Merchant (Scan Their QR)
- 1
👀 Look for the QRIS sticker at the merchant
- 2
📱 Open any QRIS-enabled app (GoPay, OVO, Dana, your bank app)
- 3
🔲 Tap "Scan QR" or "Bayar" (Pay)
- 4
📷 Scan the merchant's QRIS code
- 5
💰 Check the amount (preset or enter manually)
- 6
👤 Confirm merchant name
- 7
🔐 Enter PIN or use fingerprint
- 8
✅ Done! Instant confirmation
Method 2: Show Your QR (Receive Payment)
- 1
Open your banking app
- 2
Tap "Terima" (Receive) or "My QR"
- 3
Your personal QRIS appears
- 4
Let the payer scan your code
- 5
Enter the amount if not preset
- 6
Receive an instant notification
Method 3: Cross-Border (Tourist Scanning)
For tourists from SG/MY/TH/IN:
- 1
Open YOUR home country banking app
- 2
Use the scan/pay function
- 3
Scan the Indonesian QRIS merchant code
- 4
Amount shown in IDR + your currency equivalent
- 5
Confirm and pay
- 6
Done!
QRIS App Comparison Table
| App | Top-up method | Foreigners | Most common |
|---|---|---|---|
| GoPay | Bank transfer, minimart | ⚠️ | ⭐⭐⭐⭐⭐ |
| OVO | Bank, credit card | ⚠️ | ⭐⭐⭐⭐ |
| Dana | Bank transfer | ⚠️ | ⭐⭐⭐⭐ |
| LinkAja | Bank transfer | ❌ | ⭐⭐⭐ |
| ShopeePay | Shopee wallet | ⚠️ | ⭐⭐⭐⭐ |
| BCA Mobile | BCA account | ❌ | ⭐⭐⭐⭐⭐ |
Common QRIS Problems & Solutions
| Problem | Solution |
|---|---|
| "QRIS tidak valid" | QR code damaged, ask for a new code |
| App won't open camera | Check camera permissions |
| Wrong amount charged | Check before confirming |
| Cross-border not working | Not all merchants are enabled |
| Daily limit reached | Contact your bank |
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