QRIS Cross Border: Pay abroad with your mobile phone, without exchanging money!

What is QRIS Cross Border?

QRIS Cross Border is a feature that allows users of the Indonesian digital wallet application to make payments abroad simply by scanning a QR code, directly from the rupiah balance in the app. Similarly, foreign tourists coming to Indonesia can pay at QRIS merchants using the digital wallet of their home country.

In essence, QRIS Cross Border eliminates the need to exchange physical money or carry an international credit card. Just open the app, scan the QR, and the transaction is done. Exchange rates are converted automatically and in real-time using competitive rates.

This feature is the result of Bank Indonesia's cooperation with the central banks of partner countries within the framework of ASEAN regional payment connectivity.

Which Countries Support Cross Border QRIS?

As of 2024 to 2025, Cross Border QRIS is already active and can be used in the following countries:

1. Malaysia, via the DuitNow payment system
2. Thailand, via PromptPay payment system
3. Singapore, via SGQR payment system
4. Philippines, through InstaPay and PesoNet payment systems
5. Japan, started operating August 17, 2025
6. China, effective August 17, 2025

Bank Indonesia continues to expand its network of cooperation with other countries, so the list of countries supporting QRIS Cross Border is predicted to grow. Always check the latest information on bi.go.id or your digital wallet app.

How to Use QRIS Cross Border Abroad

Using QRIS Cross Border is very easy and not much different from the usual QRIS payment method domestically.

As Buyer (WNI traveling abroad):

1. Make sure your digital wallet app supports QRIS Cross Border features (e.g. GoPay, OVO, Dana, ShopeePay, or mobile banking apps like BCA, BRI, Mandiri, etc.)
2. Make sure the balance in your app is sufficient for transactions
3. Open the app and select the “Pay” or “Scan QR” menu
4. Scan the QR code available at the merchant in the destination country
5. Nominal confirmation of the transaction to be automatically converted to Rupiah at the applicable exchange rate
6. Done, the transaction is successful and proof of payment instantly appears in the app

As an Indonesian Merchant Accepting Foreign Tourists:

The good news is, if you already have QRIS, the same QR code can also accept payments from foreign tourists using QRIS Cross Border digital wallets. There is no need to re-register or replace any device.

QRIS Cross Border Rates and Fees

One of the advantages of Cross Border QRIS over money changers or international credit cards is the use of competitive and transparent real exchange rates.

Exchange Rate Used:

• Currency conversion using the real exchange rate (mid-market rate) that applies when the transaction occurs
• The rate is determined automatically by the system and displayed before you confirm the payment
• No hidden exchange rate markup fees as often charged by money changers or credit cards

Transaction Fee:

• Cross Border QRIS transaction fees are generally lower than international credit card conversion fees which can reach 1.5% to 3%
• For current fee details, check directly on the digital wallet app you use because each organizer can have different terms

Advantages of Cross Border QRIS Compared to Conventional Payment Methods

More Practical Than Cash Exchange:

• No need to queue at a money changer or search for the best exchange rate
• No need to worry about carrying large amounts of cash at risk of being lost or stolen
• No need to bother saving or exchanging leftover foreign money when you get home

Save More from International Credit Cards:

• The rates used are more competitive than credit card rates which generally include bank profit margins
• There are no foreign transaction fees normally charged by credit card issuers
• No need to have a credit card or forex savings to be able to transact

Safer and Traceable:

• Every transaction is digitally recorded in the app, making it easy to track and serve as evidence in case of problems
• No risk of counterfeit money
• Can be claimed directly to the organizer in the event of a problematic transaction

Pay QRIS with Honest App: Pay with Credit Card Limit

In addition to balance-based digital wallets, there is another increasingly popular way to transact QRIS,, that is, using an app Honest from an Honest credit card.

The Honest app allows users to pay at all QRIS merchants, using Visa's network-based Honest Card credit card limit. This means you don't need to have a balance in advance because direct payments use the credit facility.

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Advantages of QRIS Pay via Honest App:

• Scan QRIS directly from credit card limit, no need to top up balance first
• Support transactions in cooperating QRIS merchants
• All QRIS transactions are neatly recorded in the Honest app and go into the credit card's monthly bill
• Help build credit history every time you transact via QRIS
• Secure transactions and integrated directly in the Honest app without the need to switch apps

How to Pay QRIS with Honest App:

1. Open the Honest app on your smartphone
2. Select the QRIS or pay scan menu
3. Point the camera at the merchant QR code
4. Nominal confirmation of the transaction
5. Transactions completed and instantly recorded on Honest Card bills

This makes the Honest App an attractive option for users who want to take advantage of credit facilities for everyday QRIS transactions, while getting credit benefits from each payment.

Which applications support QRIS Cross Border?

Not all automated digital wallet apps support QRIS Cross Border. Here are some apps that generally already support this feature:

• GoPay
• OVO
• Fund
• ShopeePay
• BCA Mobil
• BriMo
• Livin by Mandiri
• BSI Mobil

Make sure your app is updated to the latest version and check if the QRIS Cross Border feature is available in the payment menu. If it does not appear yet, try updating the application or contacting the organizer's customer service.

QRIS Cross Border is a tangible proof that Indonesia's digital payment system has entered a higher level, not only serving domestic transactions, but also penetrating national borders. For those of you who often travel abroad, this feature can be a much more practical and economical substitute for money changers and international credit cards.

For businesses that accept foreign tourists, QRIS Cross Border opens the opportunity to accept payments from foreign tourists without the need for additional infrastructure, just with the QR code you already have.

Frequently Asked Questions (FAQ) about QRIS Cross Border:

1. What is Cross Border QRIS?

QRIS Cross Border is a feature that allows Indonesian digital wallet users to pay abroad using Rupiah balance by QR scan, and instead foreign tourists can pay at QRIS Indonesia merchants using their country's digital wallet.

2. In which countries can QRIS Cross Border be used?

As of 2025, QRIS Cross Border is already active in Malaysia, Thailand, Singapore, and the Philippines. Japan and China are scheduled to be active from August 17, 2025. The list of countries continues to grow due to the cooperation agreements of Bank Indonesia with the central banks of other countries.

3. Is it necessary to register specifically to use QRIS Cross Border?

There is no need to register separately. As long as your digital wallet application supports QRIS Cross Border feature and sufficient balance, you can use it immediately when you are in a supporting country.

4th. Are the rates used by QRIS Cross Border good?

Yes. QRIS Cross Border uses competitive real rates and is automatically converted upon transaction. Generally more profitable than money changer rates or rates used by international credit cards.

5. Can QRIS Indonesia merchants accept payments from foreign tourists?

Can. Merchants that already have QRIS active can automatically accept payments from foreign travelers coming from QRIS Cross Border partner countries, without the need to re-register or change any device.

6th. What is the maximum limit of QRIS Cross Border transactions?

Transaction limits vary depending on the policies of each organizer and applicable regulations. For the latest information, check directly on the digital wallet app you're using or contact their customer service.

7. What if a Cross Border QRIS transaction fails?

If the transaction fails, funds are generally not cut or will be refunded automatically. If there is a problem, immediately contact the customer service of the app you are using and keep proof of the transaction or notification that appears in the app.

8. Can QRIS Cross Border be used for online shopping abroad?

Currently QRIS Cross Border is focused for direct payments at physical merchants that accept QR payments. For shopping on overseas online platforms, it is still recommended to use credit cards or other international payment methods.

9. Are there any additional fees when using QRIS Cross Border?

The amount of the fee depends on the policy of each organizer. In general, however, Cross Border QRIS fees are lower than credit card foreign transaction fees or money changer margins. Always check the cost information in your app before making a transaction.

10. How do I know if overseas merchants accept QRIS Cross Border?

Typically, merchants that support cross-border QR payments will display a logo or sticker that signifies they accept payment from the international QR system. You can also try scanning the QR from the app to see if the transaction name appears in Rupiah.

This article is written for educational and informational purposes. The list of partner countries and the terms of QRIS Cross Border may change at any time according to the development of Bank Indonesia's cooperation. Always check the latest information on bi.go.id or the digital wallet application you use.