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QRIS

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https://api.paydia.co.id - Sandbox server
https://api.paydia.id - Production server

Overview​

QRIS is a National QR code standard to facilitate QR code payments in Indonesia through server-based electronic money applications, digital wallets, or mobile banking launched by Bank Indonesia and Asosiasi Sistem Pembayaran Indonesia (ASPI).

QRIS was prepared by BI and the Indonesian Payment System Association (ASPI) using the international standard EMV Co., as the institution that compiles the QR Code international standard for payments.

Every Payment System Service Provider (PJSP) that uses the QR system is required to adopt QRIS. This is regulated in PADG No.21/18/2019 concerning QRIS International Standards for Payments.

QRIS

The main goal of QRIS is to make digital payments easier for the public and make it easier for regulators to monitor from one door. In other words, QRIS can be used across platforms and payment applications.

Example of Using QRIS Open API

  • Displays Total Shopping Transactions on the POS application (cashier).
  • Displays the total shopping transactions on e-commerce applications.
  • Displays the total transactions on the routine bill payment application.
  • Displays the total payment transactions for the ticket purchasing application.
  • and so forth.

QRIS Payment Types​

There are several types of QRIS payments that you can use according to the business needs, namely:

  1. Merchant Presented Mode (MPM) Static

    2. Merchant Presented Mode (MPM) is a type of QRIS where a QR code is provided by the merchant. Customers only need to scan the QR code when making payments.

    Because it is static, the QR code owned by the merchant will not change. Usually, merchants who use the Static MPM system will display a QR Code in the cashier area.

    Payment methods using Static MPM are as follows:

    • Customers scan the merchant's QR code.
    • Customer inputs payment amount.
    • Customers make sure the number and merchant name are correct.
    • Customers will be asked to enter a PIN in the payment application.
    • Payment was successful.
    • Payment notification will be received by merchant.

  2. Dynamic Merchant Presented Mode (MPM)

    3. Similar to static MPM, this type of QR code is also provided by merchants. However, the QR code is non-permanent or in other name is dynamic.

    MPM Dynamic will display a QR code based on the transactions that has been made. So, each buyer will get a different QR code according to the purchase transaction.

    Payment methods using Dynamic MPM are as follows:

    • Customers place orders for products or services.
    • Merchant processes orders and determines the payment amount.
    • The QR code is generated by the merchant according to the transaction.
    • Customers will get a QR code to scan.
    • Payment was successful.

Transaction Limits​

In the implementation rules, the nominal limit for each QRIS transaction is a maximum of IDR 2 million. However, PJSP may set daily and/or monthly cumulative limits on QRIS transactions made by each user. Setting a cumulative limit requires the issuer to have good risk management.

QR Code Creation Reference​

Require any further information?

Please contact us: cs@paydia.id.