Business · Economy · 1 hr ago
Indonesia expands 0% QRIS fees for some merchant categories
From October 1, 2026, Bank Indonesia expanded 0% QRIS fees for some merchant categories in Indonesia.
QRIS is a payment system that lets merchants accept payments through one code from different supporting payment apps.
Under the stated rules, micro merchants pay no fee on transactions up to Rp500,000, while transactions above that amount carry a 0.3% fee.
When a transaction qualifies for the 0% rate, the merchant receives the full payment amount rather than having a fee deducted.
The change can reduce payment costs for eligible merchants, while QRIS also lets customers pay without merchants needing separate codes for different apps.
The new rates took effect on October 1, 2026; no further policy steps are specified.
Bank Indonesia expanded the 0% QRIS Merchant Discount Rate policy for some merchant categories from 1 October 2026.
Micro merchants pay 0% MDR on QRIS transactions of up to Rp500,000, while transactions above that amount are charged 0.3%.
The policy means eligible merchants receive the full payment amount without an MDR deduction.
The article says QRIS can also make payments more convenient and help merchants adapt to digital payments.
- Who
- Bank Indonesia expanded the policy, which applies to merchants in selected categories.
- What
- The 0% QRIS Merchant Discount Rate policy was expanded.
- When
- The expansion took effect on 1 October 2026.
- Where
- Indonesia.
- Why
- The article says the policy can reduce merchant costs and let eligible merchants receive payments in full.
This story does not have two clearly opposing sides.
Bank Indonesia's expanded 0% QRIS MDR policy took effect.
Detik published an article describing the policy and its benefits for merchants.
- Effective date
- 1 October 2026
- Micro merchant transactions up to Rp500,000
- 0% MDR
- Micro merchant transactions above Rp500,000
- 0.3% MDR