DEFINITION
A service providing payment convenience with QR code method through QRIS (QR Code Indonesian Standard) all across Indonesia. QRIS is QR code payment standard for Indonesia payment system developed by Bank Indonesia and Asosiasi Sistem Pembayaran Indonesia (ASPI). QRIS is one of the digital payment innovation with QR code basis, as the manifest of 2025 Indonesia Payment System implementation for digital economy and finance development.
As part of Gerbang Pembayaran Nasional (GPN), QRIS provides digital payment convenience utilizing various server based electronic money application, e-wallet or mobile banking which possess QR code payment feature in Indonesia. Whoever owns a phone with camera, internet connection, and payment account with QR code feature would be able to transact with QRIS.
QRIS CROSS BORDER
Jaringan PRIMA services which provides convenience for customer who is doing banking transaction in foreign countries, as well as foreign tourist doing transaction in Indonesia.
Processable transactions as follows :
- Customers of Jaringan PRIMA bank partners are able to do Cash Withdrawal and Balance Inquiry in Malaysia, Thailand and South Korea via APN Network and vice versa.
- Customers of Jaringan PRIMA bank partners are able to do Purchase, Cash Withdrawal and Balance Inquiry in 180 countries of UnionPay partners.
- Customers of UnionPay bank partners are able to do Cash Withdrawal and Balance Inquiry in Jaringan PRIMA bank partners.
- JCB Bank’s card holder are able to do Cash Withdrawal transaction in Jaringan PRIMA bank partners.
BENEFIT
For Application User :
- Up-to-date, easy, fast, and secure as all QRIS providers are licensed and monitored by Bank Indonesia
- Cashless
- Practical in QR code payment, as it requires non-specific QR code, QRIS is accepted by all digital payment application
- Transaction recorded automatically. User will receives notification in application when conducting transaction
For Merchant :
- Increased sales potential as merchants accept any QR code-based payment
- Following the latest payment trend, therefore expands the branding
- Practical with QRIS as single QR code usage
- Reduced cash management fee and cash change money
- Prevents counterfeit money
- Transaction recorded automatically. Merchant will receives notification in application when customer conducting transaction with QR code with traceable transaction history
- Separated business and personal fund
- Practical reconciliation and prevents mistake / fraud from cash transaction accounting
Building credit profile information for easier credit acquisition in the future
