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.
Type:
Voucher
Consumer
countries:
countries:
Indonesia
Currencies:
IDR
Why offering QRIS payment in your payment gateway?
QRIS is not “just another QR option” in Indonesia, it’s the national standard designed to unify QR payments across providers. Bank Indonesia reports QRIS has reached 39.3 million merchants and 57 million users by H1 2025, with 6.05 billion transactions valued at IDR 579 trillion, and 93.16% of merchants being MSMEs, showing how deeply embedded QRIS is in everyday commerce.
One QR, nationwide coverage
QRIS is designed to let merchants receive payments from consumers using QRIS from any approved payment service provider, reducing fragmentation across bank and wallet QR schemes.
Built for mobile-first checkout
Indonesia is mobile-led, and QRIS fits that reality: customers can pay using the apps they already use for daily payments, while merchants avoid forcing card entry or complex wallet selection during checkout. The scale reported by Bank Indonesia (tens of millions of users and merchants) reinforces that QR-led behavior is mainstream.
Fast confirmation, faster fulfilment
QRIS is designed for retail digital payments that are “fast, easy, cheap, safe, and reliable,” supporting real-time purchase confirmation workflows that suit instant fulfilment use cases (digital goods, ticketing, delivery).
One integration, broad acceptance
QRIS standardization means you can offer one QR payment method that maps to a broad set of participating issuers/acquirers and approved switching institutions, without managing separate QR integrations per provider.
One QR, nationwide coverage
QRIS is designed to let merchants receive payments from consumers using QRIS from any approved payment service provider, reducing fragmentation across bank and wallet QR schemes.
Built for mobile-first checkout
Indonesia is mobile-led, and QRIS fits that reality: customers can pay using the apps they already use for daily payments, while merchants avoid forcing card entry or complex wallet selection during checkout. The scale reported by Bank Indonesia (tens of millions of users and merchants) reinforces that QR-led behavior is mainstream.
Fast confirmation, faster fulfilment
QRIS is designed for retail digital payments that are “fast, easy, cheap, safe, and reliable,” supporting real-time purchase confirmation workflows that suit instant fulfilment use cases (digital goods, ticketing, delivery).
One integration, broad acceptance
QRIS standardization means you can offer one QR payment method that maps to a broad set of participating issuers/acquirers and approved switching institutions, without managing separate QR integrations per provider.
39.3
million merchants reached by H1 2025 (93.16% MSMEs)
57
million users reached by H1 2025
6.05
billion transactions in H1 2025 (IDR 579 trillion total value)
Features & specifications of QRIS payment method
Payment type:
Voucher
Coverage:
Consumer:
Indonesia
Merchant:
Global
Currencies:
Consumer:
IDR
Settlement:
Preferred currency
Payment flow
1
Customer selects QRIS payment at checkout.
2
A QR code is presented (typically merchant-presented QR).
3
Customer scans the QR code using a supported mobile banking or e-wallet app and authorises the payment.
4
Merchant receives payment confirmation and proceeds with fulfilment.
5
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
Dana is an electronic wallet in Indonesia that enables secure mobile payments and money transfers, allowing users to make online purchases and pay at physical stores with ease.
See DANA Payment Method
OVO
OVO is a leading digital wallet in Indonesia that enables instant mobile payments and transfers, allowing merchants to accept secure transactions both online and offline with broad local user adoption.
See OVO Payment Method
Bank Transfer
Bank transfers provide a secure and reliable method for transferring funds directly between bank accounts, offering businesses an efficient way to handle payments across various regions.
See Bank Transfer Payment Method