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QRIS Transaction Scheme and Settlement Fees

  • InterActive QRIS in 1 transaction has a limit of up to 10 million.

MDR QRIS
MDR

Total MDR fee for each QRIS transaction

Merchant discount rate (MDR) is the rate charged to SME merchants by banks according to the standards set by Bank Indonesia.

Regular Transactions (Purchasing Goods)

Details:

  • 0.7% MDR

Example:

  • Transaction of Rp 100,000 X 0.7%
  • 0.7% of Rp 100,000 = Rp 700 THUS
  • Net Amount Received Rp 100,000 - Rp 700 = Rp 99,300

Education-Related Transactions

Details:

  • 0.6% MDR

Example:

  • Transaction of Rp 100,000 X 0.6%
  • 0.6% of Rp 100,000 = Rp 600 THUS
  • Net Amount Received Rp 100,000 - Rp 600 = Rp 99,400

Transactions at Gas Stations

Details:

  • 0.4% MDR

Example:

  • Transaction of Rp 100,000 X 0.4%
  • 0.4% of Rp 100,000 = Rp 400 THUS
  • Net Amount Received Rp 100,000 - Rp 400 = Rp 99,600
SETTLEMENT

QRIS Settlement Fee Scheme

Settlement is the fund transfer to the SME merchant’s account once per day.

Skema Biaya Settlement QRIS
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Proses Settlement QRIS
FUND DISBURSEMENT PROCESS

Settlement or Fund Disbursement Process to Merchant's Bank Account

The InterActive QRIS settlement or fund disbursement process to the merchant's bank account is carried out only on working days & during working hours. There is no settlement on Saturdays, Sundays, public holidays, or collective leave days.

  • Settlement or fund disbursement only occurs on working days and hours
  • No settlement is processed on Saturdays, Sundays, public holidays, or collective leave days
  • Working days & hours are 24 hours
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