{"id":4860,"date":"2025-02-13T09:00:27","date_gmt":"2025-02-13T02:00:27","guid":{"rendered":"https:\/\/www.ayolinx.id\/?p=4860"},"modified":"2025-02-13T14:35:37","modified_gmt":"2025-02-13T07:35:37","slug":"qris-adalah","status":"publish","type":"post","link":"https:\/\/www.ayolinx.id\/en\/blog\/qris\/","title":{"rendered":"What is QRIS? Here are its Benefits and How to Use it"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Who hasn\u2019t heard of this payment method? Yes, QRIS! A payment method that is currently popular in Indonesia, especially among those who are starting to appreciate the convenience it offers. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">With QRIS, you can complete a payment quickly and easily just by scanning a QR code. Curious to know more about what QRIS is, transaction limits, and the administrative fees involved? Let\u2019s dive into the complete explanation below!<\/span><\/p>\n<h2><b>What is QRIS?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">QRIS or Quick Response Code Indonesian Standard is a QR code standard set by Bank Indonesia to facilitate digital payment transactions. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">With QRIS, users can make payments using digital wallet apps or mobile banking simply by scanning a QR code. This standard is implemented nationwide, making it easier to perform transactions across various payment platforms.<\/span><\/p>\n<h2><b>QRIS Transaction Limits<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">QRIS has transaction limits in place to ensure the security and convenience of users. Currently, the maximum transaction limit for QRIS is IDR 10 million per transaction. However, this limit may vary depending on the policies of the payment service provider or the bank being used.<\/span><\/p>\n<h2><b>Benefits of QRIS<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">With the advancement of technology, the banking world has felt the difference, especially when it comes to faster, safer, and more efficient transactions by simply scanning a QR code. So, what are the benefits of QRIS for merchants and users? Here\u2019s a breakdown:<\/span><\/p>\n<h3><b>Benefits of QRIS for Merchants:<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provides customers with a wider range of payment options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Speeds up the payment process, saving time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduces the risk of fraud since all transactions are recorded digitally.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Makes it easier to monitor and analyze transactions for business purposes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Eliminates concerns about counterfeit money since payments are electronic.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The merchant registration process is simple and fast.<\/span><\/li>\n<\/ol>\n<h3><b>Benefits of QRIS for Users:<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Practical and easy to use \u2013 just scan the QR code.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexible, allowing you to choose from various payment methods.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safe transactions free from fraud risks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Can be used through various mobile banking apps or e-wallets.<\/span><\/li>\n<\/ol>\n<h2><b>How to Pay Using QRIS<\/b><\/h2>\n<h3><b>1. QRIS Merchant Presented Mode (MPM) Static<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">MPM Static is a QR code that can be printed as a sticker or tent card. This is an open <a href=\"https:\/\/www.ayolinx.id\/en\/blog\/what-is-payment\/\">Payment<\/a>method, meaning it can be used repeatedly for transactions with different amounts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s simple \u2013 merchants just need to provide this QR code to the buyer. The buyer then scans the code and enters the amount to be paid. It\u2019s that easy!\u00a0<\/span><\/p>\n<h3><b>2. QRIS Merchant Presented Mode (MPM) Dynamic<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">For MPM Dynamic, the QR code doesn\u2019t need to be printed but is generated from an EDC machine. This is a closed payment method, meaning each code has a set amount and can only be used once.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For each new transaction, the merchant needs to create a new QR code based on the amount to be paid. Both the merchant and the buyer are actively involved: the merchant generates the QR code, and the buyer scans it to complete the payment.<\/span><\/p>\n<blockquote><p><strong>Also Read: <a class=\"LinkSuggestion__Link-sc-1gewdgc-4 cLBplk\" href=\"https:\/\/www.ayolinx.id\/en\/blog\/virtual-account-dana\/\" target=\"_blank\" rel=\"noopener\">Here Are The Virtual Account Codes For Funds From All Banks<\/a><\/strong><\/p><\/blockquote>\n<h3><b>3. QRIS Customer Presented Mode (CPM)<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Lastly, there\u2019s the CPM Dynamic, where the QR code is generated directly from the buyer\u2019s smartphone. This code is dynamic, meaning it changes and is only valid for specific transactions within a set time frame.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The process is simple \u2013 the buyer displays the QR code from their app, and the merchant scans the code to complete the payment. Super practical, right?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So, whether you\u2019re using a static, dynamic, or customer-presented mode, QRIS has become one of the most practical transaction methods for both merchants and customers!<\/span><\/p>\n<h2><b>What Are the QRIS Administrative Fees?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The administrative fee for QRIS, also known as the Merchant Discount Rate (MDR), is typically around 0.7% of the transaction value for regular merchants. However, there are special rates for specific sectors, such as education and social services.<\/span><\/p>\n<h2><b>Minimum Payment for QRIS<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">There is no minimum payment required for QRIS. You can make a transaction of any amount, as long as the merchant accepts it.<\/span><\/p>\n<h2><b>What Payment Methods Does QRIS Accept?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">QRIS can accept payments from various digital payment apps that support QRIS, such as GoPay, OVO, DANA, LinkAja, ShopeePay, and mobile banking from participating banks.<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">QRIS is a practical solution for digital payments that simplifies transactions for both users and merchants. With its broad benefits, QRIS promotes financial inclusion in Indonesia and advances secure, practical, and efficient cashless transactions. Be sure to take advantage of QRIS for ease in your everyday payment activities.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Siapa yang tidak kenal dengan metode pembayaran yang satu ini? Yap, QRIS! Metode pembayaran yang sekarang sedang digemari oleh masyarakat Indonesia, terutama mereka yang mulai sadar akan kemudahan yang ditawarkan. Dengan QRIS, cukup dengan memindai kode QR, proses pembayaran dapat dilakukan dengan cepat dan praktis. Penasaran ingin tahu lebih lanjut tentang apa itu QRIS, limit [&hellip;]<\/p>","protected":false},"author":3,"featured_media":4862,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[17],"tags":[],"class_list":["post-4860","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.1 (Yoast SEO v22.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apa Itu QRIS? 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