Paying with QRIS is simple: just scan the QR code using a mobile banking app or e-wallet, then confirm the payment. This system has become a national payment standard regulated by Bank Indonesia.

In Indonesia, QRIS is increasingly popular because it enables cashless transactions and can be used across various merchants, from small businesses (UMKM) to large retail stores.

What Is QRIS?

QRIS (Quick Response Code Indonesian Standard) is a standardized QR code system for digital payments that works across multiple applications.

This means:

• One QR code can accept multiple payment methods
• It can be used across various apps (mobile banking & e-wallets)
• No need to enter an account number

How Do You Pay Using QRIS?

QRIS payments are made by scanning a QR code using your smartphone.

Steps:

1. Open your payment app (mobile banking or e-wallet)
2. Select the QRIS / Scan QR menu
3. Point your camera at the merchant’s QR code
4. Enter the amount (for static QR)
5. For dynamic QR, the amount appears automatically
6. Confirm payment (PIN / biometric)
7. Transaction completed

The process usually takes only a few seconds.

How to Scan a QR Code on Your Phone?

The process is similar across most apps:

• Open the Scan / QRIS feature
• Point your camera at the QR code
• Wait for the system to read it
• Proceed with payment

This feature is already available in most financial apps, so no additional app is needed.

Do You Need a Bank Account to Use QRIS?

Not always.

QRIS can be used by:

• Mobile banking users (with a bank account)
• E-wallet users (without a bank account, but with a registered account)

This makes QRIS supportive of financial inclusion, allowing more people to access digital payments.

Is There a Fee for Paying with QRIS?

For users (buyers), there is generally no additional fee. However, fees may depend on the policies of each provider or merchant.

QRIS fees are typically charged to merchants in the form of MDR (Merchant Discount Rate):

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

These MDR rates may change according to Bank Indonesia policies.

Benefits of Paying with QRIS

QRIS offers several advantages:

• No need to carry cash
• Fast transactions (seconds)
• Usable in many places
• No need for cards
• Transactions are automatically recorded

How to Pay QRIS via the neobank App

You can also pay QRIS directly using the neobank app from Bank Neo Commerce.

Steps:

• Open the neobank app
• Select the QRIS menu on the homepage
• Scan the merchant’s QR code
• Enter the amount (if needed)
• Confirm the payment

Transaction completed.

QRIS is a practical and fast digital payment method that has become a national standard. You can pay using just your smartphone—no cash required—while staying flexible across different payment apps. With fees generally not charged to users, QRIS is one of the most efficient payment methods today.

FAQ

1. How do you pay using QRIS?
Open your payment app, scan the QR code, enter the amount (if needed), and confirm payment.

2. Do you need a bank account to use QRIS?
No. QRIS can be used via mobile banking or e-wallets with a registered account.

3. Is there a fee for paying with QRIS?
Generally no fee for users. MDR fees of around 0.3%–0.7% are charged to merchants.

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/igneoqris.

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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 member of the Deposit Insurance Corporation (LPS).