Product & Service

Want to streamline QRIS registration and payment acceptance with speed, convenience, and integration? The API Merchant QRIS is a digital solution that simplifies payment acceptance management for payment service providers (merchant aggregators) by enabling merchants to directly receive payments using QRIS.
Key Features
  • Instantly generate static or dynamic QRIS codes.
  • Receive real-time transaction notifications whenever a payment occurs.
  • Easily process payment refunds.
  • Check the status of a payment transaction.
  • Inquire about account balances.
  • Access transaction history.
Benefits
  • Seamless Integration
    Built following the National Standard for Payment Open API (SNAP) as mandated by Bank Indonesia.
  • Real-Time Transactions
    Supports fast and direct QRIS payments.
  • Efficient and Modern
    Empower your business digitalization.

Merchant Discount Rate (MDR) Fees
MDR fees are service charges applied to merchants in accordance with Bank Indonesia’s regulations.

 

Merchant Type Category % MDR
Regular Micro Business (UMI) Transaction Amount ≤Rp500.000,00 (less than or equal to five hundred thousand rupiah) 0%
Transaction Amount >Rp500.000,00 (more than five hundred thousand rupiah) 0,3%
Small Business (UKE), Medium Business (UME), and Large Business (UBE) 0,7%
Special Education 0,6%
Fuel Stations (SPBU) 0,4%
Public Service Bodeis (BLU), Public Service Obligation (PSO) 0%
Government to People (G2P) such as Social Assistance (Bansos), People to Government (P2G) such as taxes, passports, and nonprofit donations. 0%

 

Criteria Definition (based on UU No.20 Tahun 2008)

Criteria Criteria*
Micro Business Net assets up to IDR 50 million or annual sales up to IDR 300 million.
Small Business Net assets above IDR 50 million up to IDR 500 million or annual sales above IDR 300 million up to IDR 2.5 billion.
Medium Business Net assets above IDR 500 million up to IDR 10 billion or annual sales above IDR 2.5 billion up to IDR 50 billion.
Large Business Exceeds the criteria for Medium Business.
*excluding land and buildings used for business premises.

 

If you have further questions regarding the API Merchant QRIS service, please contact us via email: bpd.digital@banksampoerna.com.

Summary of Product Information and Service - Application Programming Interface (API) Merchant QRIS