# QRIS Tap

> Source: https://docs.barcoder.ai/docs/standards/qris-tap
> research date 2026-05-29 · extracted at 2026-10-04
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [QRIS — Bank Indonesia](https://www.bi.go.id/id/fungsi-utama/sistem-pembayaran/ritel/kanal-layanan/qris/default.aspx)
- [QRIS Tap — Tempo](https://en.tempo.co/amp/1981650/get-to-know-qris-tap-the-latest-payment-solution-by-bank-indonesia)

## Overview

> **Note on classification.** This entry was originally bucketed as a QR standard, but qris tap is **not a QR-symbol standard** — it is the NFC extension of QRIS (not a QR). Reclassified as `NFC`. The wiki shows no playground because there is no QR payload to encode; the slug is retained to avoid breaking incoming links.

**QRIS Tap** is **Indonesia's NFC-based QRIS payment system extension**, officially launched **14 March 2025 by Bank Indonesia (BI)** <sup>[1][1], [2][2], [Indonesia report](https://docs.barcoder.ai/docs/payments/ID)</sup>. QRIS Tap combines **QRIS Consumer Presented Mode (CPM) with Near Field Communication (NFC)** — enabling users to **simply tap their smartphone to a scanner to complete transactions, without manually scanning a QR code**. **QRIS Tap transactions take ~0.3 seconds — far faster than manual QR scanning**, designed specifically to address high-volume transaction scenarios like public transportation.

The structural significance: QRIS Tap is built on **[QRIS](https://docs.barcoder.ai/docs/standards/qris)'s established foundation** (Indonesia's unified QR standard launched 2019) — extending QRIS into the NFC-tap-to-pay era. **15 banks + financial institutions supported QRIS Tap at launch** including major Indonesian banks (**BCA, BNI, BRI, Bank Mega, Mandiri**) + major e-wallets (**Gopay, ShopeePay, DANA**). Initial Android availability with iOS planned later. **30 October 2025 expansion**: BI launches **QRIS Tap In & Out for 5 modes of transportation in Jabodetabek** (Jakarta metropolitan region) — extending QRIS Tap to **public-transit fare payment** including trains, buses, MRT, LRT. QRIS Tap is structurally one of the **fastest national-payment-system iteration cycles** in Asia — from QRIS (2019) → QRIS Tap NFC (March 2025) → QRIS Tap transit (October 2025) in 6 years.

## History

**Background — Indonesian payment landscape** <sup>[Indonesia report](https://docs.barcoder.ai/docs/payments/ID)</sup>:
- **[QRIS](https://docs.barcoder.ai/docs/standards/qris)** launched 2019 by BI + ASPI — Indonesia's national unified QR.
- Substantial QRIS adoption across Indonesian merchants.

**14 March 2025 — QRIS Tap officially launches** <sup>[1][1], [2][2]</sup>:
- BI launches QRIS Tap.
- NFC-based extension to QRIS CPM.
- 15 banks + financial institutions supporting at launch.

**30 October 2025 — QRIS Tap In & Out for 5 transportation modes in Jabodetabek** [[cnbc]]:
- KRL (commuter rail), Transjakarta (BRT), MRT, LRT, etc.
- Public-transit fare-payment integration.

**Tech foundation: TIS + AINO partnership** [[southeast-asia-infra]]:
- TIS + AINO introduce NFC-enabled QRIS Tap for public transport.

## Technical specification

QRIS Tap is **BI-launched NFC-extension to QRIS CPM** <sup>[1][1], [2][2]</sup>:

| Layer | Description |
|---|---|
| **Standards body** | **Bank Indonesia (BI)** + **ASPI** (Indonesian Payment System Association) |
| **Launch** | **14 March 2025** |
| **Foundation** | **[QRIS](https://docs.barcoder.ai/docs/standards/qris)** (Indonesia's unified QR, 2019) |
| **Mode** | **NFC + QRIS CPM** (Consumer Presented Mode) |
| **Transaction speed** | **~0.3 seconds** (vs manual scan ~3-5s) |
| **Currency** | IDR (Indonesian rupiah) |
| **Initial OS** | Android (iOS planned) |
| **Launch participants (15)** | BCA, BNI, BRI, Bank Mega, Mandiri, Gopay, ShopeePay, DANA, plus 7 others |
| **Transit extension** | QRIS Tap In & Out (Oct 30, 2025) — 5 Jabodetabek modes |

**NFC-tap flow** <sup>[2][2]</sup>:
- User holds NFC-enabled smartphone near merchant scanner.
- 0.3-second contactless transaction.
- No QR-code scanning required.

**Public-transit integration** [[cnbc]]:
- KRL Commuter Line, Transjakarta, MRT Jakarta, LRT Jakarta, LRT Jabodebek.
- 5 transportation modes.

## Use cases

**High-volume retail (cardinal use)** <sup>[2][2]</sup>: Where manual-QR-scan friction matters most.

**Public-transit fare payment (Jabodetabek 5 modes since Oct 2025)** [[cnbc]]: KRL, Transjakarta, MRT, LRT.

**Contactless retail acceptance** <sup>[1][1]</sup>: NFC-tap at participating merchants.

**Cross-bank/cross-wallet via QRIS foundation** <sup>[Indonesia report](https://docs.barcoder.ai/docs/payments/ID)</sup>: 15+ banks + wallets interoperable.

## Implementations & ecosystem

**Standards body**: **Bank Indonesia (BI) + ASPI**.

**Foundation**: **[QRIS](https://docs.barcoder.ai/docs/standards/qris)**.

**15 launch participants**: BCA, BNI, BRI, Bank Mega, Mandiri, Gopay, ShopeePay, DANA, others.

**Technical partners (transit)**: TIS + AINO.

**Transit operators (Jabodetabek 5 modes)**: KRL Commuter Line, Transjakarta, MRT Jakarta, LRT Jakarta, LRT Jabodebek.

## Fun facts

- **0.3-second transaction speed**: 10× faster than manual QR scan.
- **15 launch participants**: Substantial Day-1 banking + wallet ecosystem coverage.
- **March 2025 → October 2025 transit extension**: Rapid iteration cycle.
- **NFC + QRIS combined**: Hybrid technology approach.
- **Android-first**: iOS support planned later.
- **5 Jabodetabek transit modes**: Comprehensive public-transit integration.
- **Built on QRIS 2019 foundation**: 6-year evolutionary arc.
- **TIS + AINO partnership**: Technical-vendor coalition for transit deployment.

## Comparison

| Feature | QRIS Tap (ID) | [QRIS](https://docs.barcoder.ai/docs/standards/qris) (ID foundation) | [TWQR](https://docs.barcoder.ai/docs/standards/twqr) (TW) iPASS Travel Code | [bip!QR](https://docs.barcoder.ai/docs/standards/bip-qr) (CL) Santiago transit | Apple Pay Transit |
|---|---|---|---|---|---|
| Operator | BI + ASPI | BI + ASPI | FISC | Metro de Santiago + AFT | Apple |
| Type | **NFC-tap on QRIS** | QR scan-based | Cross-border QR | Transit-specific QR | NFC-tap proprietary |
| Speed | **0.3s** | 3-5s (manual scan) | ~Comparable QR | Standard | Sub-1s |
| Transit | **5 Jabodetabek modes (Oct 2025)** | n/a | iPASS partnership | Cardinal use | TfL + many cities |

## Status

**Active, expanding** <sup>[1][1], [2][2], [cnbc]</sup>:
- **BI launched 14 March 2025**.
- **15 launch participants** (banks + e-wallets).
- **0.3-second transaction speed**.
- **Jabodetabek transit 5-mode extension** October 30, 2025.

## Sources

[1]: https://www.bi.go.id/id/fungsi-utama/sistem-pembayaran/ritel/kanal-layanan/qris/default.aspx "QRIS — Bank Indonesia"
[2]: https://en.tempo.co/amp/1981650/get-to-know-qris-tap-the-latest-payment-solution-by-bank-indonesia "QRIS Tap — Tempo"
[3]: https://en.wikipedia.org/wiki/QRIS "QRIS — Wikipedia"
[cnbc]: https://www.cnbcindonesia.com/market/20251030100703-17-680615/bi-luncurkan-qris-tap-in-out-untuk-5-moda-transportasi-jabodetabek "QRIS Tap In & Out 5 transportation modes — CNBC"
[southeast-asia-infra]: https://southeastasiainfra.com/tis-and-aino-introduce-nfc-enabled-qris-tap-for-public-transport-in-indonesia/ "TIS + AINO QRIS Tap public transport"

- [1] [QRIS — Bank Indonesia][1]
- [2] [QRIS Tap — Tempo][2]
- [cnbc] [QRIS Tap In & Out — CNBC][cnbc]
- <sup>[Indonesia report](https://docs.barcoder.ai/docs/payments/ID)</sup> `reports/countries/ID-indonesia.md`

## Deployments

Found in the following country reports (grep across `reports/countries/`):

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