Introduction to QRIS
QRIS — which stands for Quick Response Code Indonesian Standard — is a unified QR code payment standard introduced by Bank Indonesia in 2019. It allows consumers to make digital payments using any compatible e-wallet, mobile banking app, or payment service, all through a single QR code. It has become a cornerstone of Indonesia's digital payment infrastructure.
How QRIS Works
The process is straightforward for both buyers and merchants:
- Merchant displays a QRIS code — This single code works with all participating payment apps.
- Customer opens their payment app — GoPay, OVO, DANA, ShopeePay, mobile banking apps, and many others are all compatible.
- Customer scans the QR code — They enter the payment amount (or it's pre-filled) and confirm.
- Payment is processed instantly — Funds transfer in real time between the customer's account and the merchant.
Why QRIS Was Created
Before QRIS, each payment app used its own proprietary QR code. This meant merchants needed multiple QR codes on display, and customers could only pay with the app the merchant supported. QRIS solved this fragmentation by creating one universal standard — any app, one code.
QRIS Key Features
- Interoperability: Works across all Bank Indonesia-approved payment apps
- Real-time settlement: Payments are processed instantly
- Low transaction fees: Merchants pay a standardized, regulated fee (currently 0.7% for most categories)
- Secure: Each transaction is encrypted and verified by the payment network
- Accessible: Works on any smartphone with a camera and a compatible app
QRIS in Online Gaming & Deposits
QRIS has become increasingly popular as a deposit and withdrawal method on online gaming and betting platforms serving Indonesian players. Here's why it's a preferred choice:
| Benefit | Detail |
|---|---|
| Speed | Deposits are typically credited instantly or within minutes |
| Convenience | No need to enter long bank account numbers or card details |
| Wide compatibility | Works with GoPay, OVO, DANA, LinkAja, and others |
| Low minimum deposit | Many platforms accept QRIS deposits starting from IDR 10,000 |
| No extra hardware | Only a smartphone is needed |
Which Apps Support QRIS?
All Bank Indonesia-licensed payment service providers must support QRIS. Commonly used apps include:
- GoPay (via Gojek)
- OVO
- DANA
- ShopeePay
- LinkAja
- Most Indonesian bank mobile apps (BCA, BRI, Mandiri, BNI, etc.)
Is QRIS Safe to Use?
Yes — QRIS transactions are regulated and supervised by Bank Indonesia. Each payment is authenticated by the user's own payment app, which usually requires a PIN, biometric scan, or both. Always make sure you're scanning an official QRIS code from a verified source and never share your payment app PIN with anyone.
The Future of QRIS
Bank Indonesia continues to expand QRIS functionality, including cross-border QRIS payments with neighboring countries like Malaysia, Thailand, and Singapore. This makes it an increasingly important payment method for the broader Southeast Asian digital economy.