# Indonesia — payment codes and schemes

> Source: https://docs.barcoder.ai/docs/payments/ID
> extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Summary

- **QRIS** is the unified national QR standard (2019)
- **56 million users** and **38 million merchants** (Q1 2025)
- **2.6 billion transactions** in Q1 2025 alone
- **QRIS Tap** (NFC) launched March 2025
- **92.5% of merchants** are MSMEs

## Banking landscape

### Central Bank
- **Name:** Bank Indonesia (BI)
- **Website:** https://www.bi.go.id/
- **Role:** Monetary policy, QRIS oversight, payment systems

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Bank Mandiri | State-owned | Livin' by Mandiri |
| 2 | BCA | Private | myBCA |
| 3 | BRI | State-owned | BRImo |
| 4 | BNI | State-owned | BNI Mobile |
| 5 | CIMB Niaga | Private | OCTO Mobile |

### Market Structure
- **State Banks:** Mandiri, BRI, BNI lead market
- **Private Leader:** BCA (Bank Central Asia)
- **E-wallets:** GoPay, OVO, Dana, LinkAja, ShopeePay
- **Digital Banks:** Jago, Allo, Blu by BCA

### 2024-2025 Performance
- 226.54% surge in QRIS transactions (2024)
- Strong MSME adoption
- Cross-border expansion accelerating

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| QRIS | BI/ASPI | Unified QR | Dominant |
| BI-FAST | BI | Real-time transfers | Active |
| RTGS | BI | Large value | Active |
| SKNBI | BI | Batch clearing | Active |

### QRIS Adoption Statistics

| Metric | Q1 2024 | Q1 2025 | Growth |
|--------|---------|---------|--------|
| Users | 48 million | 56.3 million | +17% |
| Merchants | 32 million | 38.1 million | +19% |
| Transactions | - | 2.6 billion | - |

### E-wallet Market
- **GoPay:** Gojek ecosystem
- **OVO:** Grab partnership
- **Dana:** Ant Group backed
- **LinkAja:** State-owned consortium
- **ShopeePay:** E-commerce integration

---

## QR code standards

### QRIS (Quick Response Code Indonesian Standard)

| Attribute | Value |
|-----------|-------|
| **Launch** | 2019 |
| **Operators** | Bank Indonesia, ASPI |
| **Format** | EMVCo-aligned |
| **Transactions (2024)** | 2.2 billion, Rp 242 trillion |

### QRIS Features
- Single QR code for all payment apps
- Supports bank accounts and e-wallets
- Static and dynamic QR codes
- Cross-border acceptance

### QRIS Tap (March 2025)
- NFC-based payment system
- Faster than QR scanning
- Android support (iOS planned)
- Complements existing QRIS

### MDR Fee Structure

| Merchant Type | MDR Rate |
|---------------|----------|
| Regular Merchants | 0.7% |
| Micro (UMI) < Rp 500K | 0% |
| Education/Government | 0% |
| Social/Donations | 0% |

### Cross-Border QRIS

| Country | Status | Launch |
|---------|--------|--------|
| Singapore | Active | Early adopter |
| Malaysia | Active | Early adopter |
| Thailand | Active | Early adopter |
| Japan | Active | August 2025 |
| South Korea | MoU | August 2024 |
| UAE | MoU | August 2024 |
| China | Pilot | 2025 target |

---

## Mobile payment apps

| App | Provider | QRIS | Users |
|-----|----------|------|-------|
| GoPay | Gojek | Yes | 50M+ |
| OVO | Grab | Yes | 40M+ |
| Dana | Ant Group | Yes | 30M+ |
| LinkAja | State | Yes | 20M+ |
| ShopeePay | Shopee | Yes | Large |

### Bank Mobile Apps
- BCA Mobile/myBCA
- BRImo (Bank Rakyat Indonesia)
- Livin' by Mandiri
- BNI Mobile Banking
- OCTO Mobile (CIMB Niaga)

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [QRIS](https://docs.barcoder.ai/docs/payments/ID/qris) | Unified QR | EMVCo | 56M users | [`qris`](https://docs.barcoder.ai/docs/standards/qris) |
| [QRIS Tap](https://docs.barcoder.ai/docs/payments/ID/qris-tap) | NFC | EMVCo | New (2025) | [`qris-tap`](https://docs.barcoder.ai/docs/standards/qris-tap) |
| [BI-FAST](https://docs.barcoder.ai/docs/payments/ID/bi-fast) | Real-time | ISO 20022 | Growing | — |

## Sources

- [Bank Indonesia - QRIS](https://www.bi.go.id/en/fungsi-utama/sistem-pembayaran/ritel/kanal-layanan/qris/default.aspx)
- [Wikipedia - QRIS](https://en.wikipedia.org/wiki/QRIS)
- [DigiTrans - QRIS 2025](https://digitranssummit.in/quick-response-code-indonesian-standard-qris-in-2025-unifying-payments-and-powering-asean-growth/)
- [Antom - QRIS Guide](https://knowledge.antom.com/qris-indonesia-payment-guide)
- [Jakarta Investment - QRIS Cross-Border](https://invest.jakarta.go.id/news/218/connecting-southeast-asia-through-qris-cross-border-payment-integration)
- [World FIS - Indonesia Banking Digital](https://www.indonesia.worldfis.com/blogs/payment-innovation-and-digital-transformation-in-indonesias-banking-sector/)
- [The Paypers - Indonesia 2025](https://thepaypers.com/payments/expert-views/indonesia-2025-analysis-of-payments-and-ecommerce-trends)
- [Payments CMI - Indonesia 2025](https://paymentscmi.com/insights/indonesia-ecommerce-payments-trends-2025/)
- [The Conversation - QRIS Trade Barrier](https://theconversation.com/us-labels-qris-a-trade-barrier-whats-next-for-indonesias-digital-payment-system-257616)
- [OneBrick - QRIS Payment](https://www.onebrick.io/blog/apa-itu-qris-payment)

## Full country report

[ID-indonesia.md](https://docs.barcoder.ai/docs/payments/ID)