QRIS can be created by business owners through licensed banks or official payment providers, with a relatively simple registration process and transparent transaction fees. This system is Indonesia’s standardized digital payment method regulated by Bank Indonesia.

Business Dilemma: Follow Trends or Stay Consistent?

In today’s fast-paced era, business owners often face two choices: follow trends or stay consistent.

• Trends can boost sales quickly
• Consistency helps build loyal customers

Between the two, transaction convenience remains crucial. Consumers are now accustomed to digital payments, and QRIS is one of the most practical solutions.

Can You Create QRIS Yourself?

Yes, business owners can create QRIS through banks or licensed payment service providers.

However, QRIS cannot be created independently without a system. The process must go through:

• Banks (digital or conventional services)
• Payment fintech (e-wallets, payment gateways)

After registration and verification, you will receive an official QR code that can accept payments from various apps.

How Much Does It Cost to Create QRIS?

QRIS registration is generally free, depending on each provider’s policy.

However, there is a transaction fee called MDR (Merchant Discount Rate):

• Around 0.3% for micro businesses (UMI)
• Around 0.7% for regular businesses

This fee is automatically deducted from each transaction according to Bank Indonesia regulations and may change based on policy updates.

Which Apps Can Be Used to Create QRIS?

QRIS can be created through various official applications, such as:

• Banking apps (business mobile banking)
• Digital wallets
• Payment gateways or merchant apps

One option is through business features in the neobank app by Bank Neo Commerce, which provides transaction management services in a single platform.

What Are the Requirements to Create QRIS?

The requirements are relatively simple:

Main documents:

• Business owner’s ID (KTP)
• Active phone number
• Active email

Additional documents (if available):

• Business Identification Number (NIB)
• Business information (name, address, type of business)

The more complete the data, the faster the verification process.

Why Is QRIS Important for Businesses?

QRIS helps businesses stay relevant in various conditions.

Key benefits:

• Accept payments from all e-wallets and mobile banking apps
• Faster transactions without the need for change
• More organized transaction records
• Reduced risk of payment errors

Practical Steps to Create QRIS for Your Business

Here are the general steps:

• Register through a bank or QRIS provider
• Fill in personal and business data
• Upload required documents
• Wait for verification
• QRIS becomes active and ready to use

QRIS Option for Businesses in neobank

Business owners can also use QRIS features through the neobank app by Bank Neo Commerce.

Through this service, users can:

• Activate QRIS from a business account
• Receive digital payments from various apps
• Monitor transactions in real time

Features and benefits may vary depending on applicable service terms.

Advantages of Activating QRIS in Neo Bisnis

• Easy and practical activation
• Business fund disbursement up to 3 times a day
• FREE up to 90 interbank transfers
• Savings interest up to 4.00% per year

Includes weekends and public holidays, for transactions before 2:00 PM WIB
Please refer to the deposit insurance rate set by the Indonesia Deposit Insurance Corporation (LPS). Savings with interest rates exceeding the guaranteed rate are not covered by LPS. The LPS guaranteed rate is 3.50% per year until May 31, 2026.

QRIS provisions and MDR fees follow Bank Indonesia policies and may change at any time.

FAQ (Short & Direct Answers)

1. Can you create QRIS yourself?
Yes, through licensed banks or official payment providers.

2. How much does it cost to create QRIS?
Registration is generally free. Transaction fees range from around 0.3%–0.7% per transaction.

3. What are the requirements to create QRIS?
ID (KTP), phone number, email, and business data. Formal businesses may also include NIB.

Note:
Features, fees, and service terms may change according to provider and regulatory policies.

To learn more about available products, you can check them out through neobanks on the PlayStore or App Store. For more information and the latest updates, visit https://s.id/igneobisnis.

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PT Bank Neo Commerce Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI), and is a participant of the Deposit Insurance Corporation (LPS).