Have you ever shopped at a mall and paid using a QR code provided by the merchant? You’ve probably experienced it, right? Now, you might also have noticed that some stores require you to manually input the amount to pay, while others automatically display the amount to be paid. This happens because there are two types of QRIS: static and dynamic.
Although they seem similar at first glance, there are actually several differences between static and dynamic QRIS that often confuse business owners. Let's take a closer look to better understand them!
What is QRIS?
QRIS (Quick Response Indonesian Standard) is a QR code designed and regulated by Bank Indonesia (BI) in collaboration with the Indonesian Payment System Association (ASPI). This system allows cashless transactions to be more convenient and secure.
In practice, QRIS is divided into two main types: Static QRIS and Dynamic QRIS. Below is an explanation of both types.
Types of QRIS
QRIS comes in two main types: Dynamic QRIS and Static QRIS. Each type has its own characteristics and uses, which can be tailored to the needs of users, whether for everyday transactions or business purposes. Here’s an explanation of each:
Dynamic QRIS
Unlike Static QRIS, which is fixed, Dynamic QRIS is more flexible as it does not use the same code repeatedly. With Dynamic QRIS, the system will automatically generate a unique code for each transaction or customer.
For example, when you shop at a store, the cashier will print a receipt containing a Dynamic QRIS specifically created for that transaction. This allows business owners to more easily track and record daily revenue with greater accuracy. For this reason, Dynamic QRIS is recommended for business owners.
Static QRIS
On the other hand, Static QRIS is a QR code provided by the merchant permanently as a payment method. Because it is fixed, this code does not change for each transaction, so customers only need to scan the same QR code to make payments.
However, if there is a system change or an update to the QR code, the merchant must replace the old code with a new one. Static QRIS is typically more suitable for small businesses or individuals who want to offer a cashless payment method without needing to create a new QR code for every transaction.
Differences Between Dynamic and Static QRIS
Here are the main differences between Dynamic QRIS and Static QRIS based on several important aspects:
1. Sales Statistics Analysis
Dynamic QRIS makes it easier for business owners to analyze sales because each transaction has a unique code that can be automatically tracked in the system. As a result, business owners can more accurately see daily transaction amounts, the most popular products, and customer purchasing patterns.
Meanwhile, Static QRIS does not provide automatic transaction data, so record-keeping must be done manually or with additional methods to track revenue from transactions.
2. Lower Costs
Dynamic QRIS typically incurs additional costs because its system is more complex, especially if integrated with a point-of-sale system or digital payment applications. In contrast, Static QRIS is more cost-effective since merchants only need to print one QR code that can be used repeatedly without complex system updates.
3. More Practical, Fast, and Secure
Dynamic QRIS provides a more practical transaction experience because the QR code is created specifically for each payment. Additionally, this system is more secure as it reduces the risk of transfer errors or duplicate payments.
Meanwhile, Static QRIS is easier to use because customers only need to scan the same QR code each time they make a payment. However, because it is not unique to each transaction, there is a risk of incorrect amounts if the customer does not enter the payment amount correctly.
Dynamic QRIS is more suitable for businesses that require accurate and automatic transaction records, while Static QRIS is ideal for small businesses that want to provide a cashless payment method with low costs and a simple system.
