Quick Response Code Indonesian Standard (QRIS) is a standard QR code payment specific to Indonesia that was initiated by Bank Indonesia (BI). QRIS allows businesses to accept payments easily via bank transfers or from major e-money players just by scanning the QR within the platform.

Benefits of using Xfers QRIS

  1. Enable payments from various source of funds
  2. No need to connect directly to each QR issuer
  3. Save time and effort of having to manually reconcile payments
  4. You will be notified of the payment response almost instantaneously when your customer has made the payment.

Type of Xfers QRIS

1. Static
Static QRIS allows you to accept multiple payments for the same QR code. It's typically used as a top-up channel to your platform's e-wallet, or fund-holding account.

2. Dynamic
Dynamic QRIS allows you to specify the amount that you want your customer to pay. Typical use cases are marketplaces, gig platforms and all kinds of e-commerce.

List of Banks and E-Money

Please refer to this list from Bank Indonesia https://www.bi.go.id/PJSPQRIS/Default.aspx to get the full list of Banks and E-Money that has connected with QRIS. Some notable mentions are:

  1. Gopay
  2. OVO
  3. DANA
  4. LinkAja
  5. BCA
  6. BRI
  7. Jenius

Payment Limits

Minimum Amount (IDR)

Maximum Amount (IDR)

QRIS Type

1

5.000.000

Static

1.500

5.000.000

Dynamic

Payment Availability

QRIS are usually available throughout the day and payment responses are typically fast.

Payment Notifications

When using QRIS as a payment method, please note that this will require further customer action to complete the payment. Customers will be required to scan the QRIS and make the payment through their preferred banks or e-money mobile application.

  • Delayed (Asynchronous): The status of the Payment object will be pending until the payment is either successful or failed. It’s common for businesses to hold an order in a “pending” state during this time, not fulfilling the order until the payment is successful.

For payment methods that require customer action, we recommend setting up callbacks so that you can be notified whether a payment has succeeded or not.

Refunds

Please note that refunds are not available for QRIS payment methods at this moment.

Code Example

Static

# Static QRIS
# /api/v4/payment_methods/qris
{
  "data": {
    "attributes": {
      "referenceId": "static_qris_reference_id",
      "displayName": "Your preferred name"
    }
  }
}

Dynamic

# Dynamic QRIS
# /api/v4/payments
{
  "data": {
    "attributes": {
      "paymentMethodType": "qris",
      "amount": 100000,
      "referenceId": "dynamic_qris_reference_id",
      "expiredAt": "2021-02-04T21:15:00+07:00",
      "description": "QRIS dynamic",
      "paymentMethodOptions": {
        "displayName": "Your preferred name"
      }
    }
  }
}

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