{"id":5681,"date":"2026-04-14T15:10:31","date_gmt":"2026-04-14T08:10:31","guid":{"rendered":"https:\/\/www.ayolinx.id\/?p=5681"},"modified":"2026-04-14T15:10:31","modified_gmt":"2026-04-14T08:10:31","slug":"pjp-qris","status":"publish","type":"post","link":"https:\/\/www.ayolinx.id\/en\/blog\/pjp-qris\/","title":{"rendered":"What is PJP QRIS? Definition, Role, and Benefits for Businesses"},"content":{"rendered":"

Have you ever wondered who actually processes the transactions when customers scan QRIS at your store? Behind that checkerboard sticker, there\u2019s an important role played by <\/span>PJP QRIS.<\/b>Without them, cashless payments in Indonesia wouldn't have developed as quickly as they have today.<\/span><\/p>\n

Since its launch by Bank Indonesia, QRIS <\/span>(Quick Response Code Indonesian Standard) <\/span><\/i>has become the national standard for QR-based payments. But remember, QRIS is not an app, it\u2019s a standard. To make this standard usable, an official institution is needed as a bridge between the buyer, the seller, and the banking system. This institution is called PJP.<\/span><\/p>\n

What is PJP QRIS?<\/b><\/h2>\n

PJP (Payment Service Provider) is a bank or an institution other than a bank that provides services to facilitate payment transactions.<\/span><\/p>\n

For PJP QRIS, this means the institution has received official authorization from Bank Indonesia to provide payment services through QRIS. Its task is to ensure that the money deducted from the buyer's balance is safely transferred to your account and legally recorded.<\/span><\/p>\n

What\u2019s the Difference Between PJP and PJSP?<\/b><\/h2>\n

You may have heard of the term PJSP (Payment System Service Provider), which is an old term,<\/span>but now, the official term has been updated to PJP.<\/span><\/p>\n