QRIS Payment Method
QRIS payment (Quick Response Code Indonesian Standard) is Indonesia’s national QR code standard that enables customers to pay merchants using supported mobile banking apps and e-wallets through a single interoperable QR format. For platforms and digital businesses selling into Indonesia, QRIS is a core local payment method that supports mobile-first checkout and broad domestic acceptance.
countries:
Why offering QRIS payment in your payment gateway?
One QR, nationwide coverage
Built for mobile-first checkout
Fast confirmation, faster fulfilment
One integration, broad acceptance
Features & specifications of QRIS payment method
Payment flow
Customer selects QRIS payment at checkout.
A QR code is presented (typically merchant-presented QR).
Customer scans the QR code using a supported mobile banking or e-wallet app and authorises the payment.
Merchant receives payment confirmation and proceeds with fulfilment.
Finance teams reconcile using transaction references and settlement reporting from their PSP/acquirer.
See how the QRIS payment gateway works
A QRIS-enabled payment gateway standardises Indonesia QR acceptance by handling QR code generation/presentation, provider interoperability, and consistent payment status handling for merchants, so platforms can deploy one QRIS method across checkout surfaces while maintaining unified reporting and reconciliation outputs as volume scales.
Frequently Asked Questions
Which countries support QRIS cross-border payments?
Bank Indonesia has launched cross-border QR linkages that enable payments between Indonesia and other markets. Official BI communications confirm QRIS expansion beyond ASEAN and cite existing cooperation with Thailand, Malaysia, and Singapore, and BI also announced official QRIS availability in Japan.
Is QRIS payment secure against fraud and scams?
QRIS processing involves regulated participants (payment service providers, switching institutions, standard-setting institutions, and merchant repository managers). Bank Indonesia notes that PSPs and switching institutions involved in QRIS processing must be approved by Bank Indonesia, strengthening governance and oversight across the ecosystem.
QRIS vs credit card fees: which is more cost-effective for merchants?
QRIS merchant costs are governed under the Merchant Discount Rate (MDR) set by Bank Indonesia, and BI notes that merchant fees for QRIS cross-border transactions follow the same MDR basis as domestic QRIS transactions. For merchants, this typically means clearer domestic pricing governance than international card fee structures, but exact net cost depends on your acquirer/PSP agreement and vertical.
How long does QRIS settlement take for merchants?
Settlement timing depends on the acquiring/PSP arrangement and Indonesia clearing/settlement schedules. In practice, merchants should treat payment confirmation (customer-authorised success) and funds settlement (payout timing) as separate operational concepts, and build fulfilment rules around confirmation plus risk controls.
How to integrate QRIS into your checkout?
At a practical level, you need to: (1) show QRIS as a local method for Indonesia, (2) generate and display the QR in checkout, (3) poll/receive payment status updates, and (4) reconcile using references and reporting. If you are using LimePay, QRIS appears in the Indonesia payment methods catalog and is processed as a redirect method, with method metadata retrievable via the Payment Methods endpoint.
What are the technical requirements for QRIS API integration?
Most QRIS integrations require: a checkout UI capable of displaying a QR code, a secure status handling mechanism (redirect return + server-to-server confirmation), and reconciliation-friendly reference handling for finance operations.
How does QRIS compare to other Indonesian payment methods?
QRIS is the national QR standard built for interoperability across providers, whereas other Indonesia methods include wallets (e.g., Dana, OVO, ShopeePay, LinkAja, GoPay) and bank transfers. QRIS is specifically designed to unify QR acceptance across multiple issuers/acquirers and PSPs under one standard.
Other related Payment Methods:
DANA
OVO
Bank Transfer