What QRIS is
QRIS is the single QR code standard for payments in Indonesia. Bank Indonesia introduced it in 2019 together with the Indonesian Payment System Association (ASPI), and its use became mandatory for QR payments from January 2020. Before QRIS, merchants often needed a separate code for each wallet; with QRIS one code works across participating banks and e-wallets.
QRIS follows the EMVCo Merchant-Presented Mode format, with the currency code 360 (Indonesian rupiah) and country code ID. Each registered merchant receives a national merchant identifier that appears in the code, and printed QRIS labels carry the QRIS logo so customers can recognize them.
Static, dynamic and cross-border use
A static QRIS code is printed at the counter and the customer enters the amount. A dynamic code is generated for each transaction with the amount included, which is common at larger stores and online. Bank Indonesia has also set up cross-border QR payment links with several neighboring countries, allowing travelers to pay QRIS codes from supported home apps; the list of linked countries has been growing and is best checked with Bank Indonesia.