Tips for using QRIS for everyday transactions to be safe and not wasteful

Now, almost all transactions can be completed with just one time scan thanks to the presence of QRIS. Want to pay for food, shopping, until parking becomes more practical. But behind the ease, there are risks that should not be ignored.

Fraud modes are more diverse, and instant-paced systems can also make it easier for us to splurge unwittingly. Let it remain comfortable and safe, yuk Check out tips on using QRIS for everyday transactions so as not to be deceived and keep finances in check!

1. Enable notifications of each transaction

The first tip to use QRIS is to enable notifications for each transaction. With notifications realtid, You know right away every money out. So if there is a suspicious transaction, you can take action immediately. Notifications also help you to be more aware of your daily expenses, more Aware The same amount of money you spend.

NahIn the case of digital wallets, most of them are already equipped with notifications Real-time. But different from the credit card story, the instant notification feature is still rare. Therefore, if you want Pay QRIS with a credit card But still want to be safe and controlled, an Honest Card can be an option. With Honest, you can QRIS transactions in thousands merchant with just one QR code. Keep notifications realtidits instantly appeared on the Honest App credit card app.

Nope just that, Honest credit card Also known as a flexible credit card. All the processes are digital from filing to card setup simply through the app. Approval- It is high, the limit can be up to IDR 100 million, and it can be used wherever Visa cards are accepted, both at home and abroad.

The issue of cost is also friendlier. If you pay well and on time, nope there are additional fees such as annual fees, late fines, overseas transaction fees, up to bill pay fees. Even if it can't pay off payment of the bill, there is still a minimum payment option with one simple fee. In addition, each transaction can collect Honest Points that can be exchanged cashback So this QRIS credit card remains flexible without creating financial stability.

2. Scan QR from merchant trusted

The next way to use QRIS to stay safe is to make sure the QR code you scan comes from merchant trusted. It doesn't mean you nope You can pay MSMEs as one of them. purpose of implementing QRIS Bank Indonesia is encouraging SMEs to enter the digital economy ecosystem. But still it is necessary to be vigilant and careful. Before confirming the payment, make sure the name merchant which appears on the screen according to the place where you are transacting, in order to avoid mispayments or fraudulent modes.

{{alert-cta}}

4. Take advantage of promos and cashback existing

To make transactions using QRIS nope Make it wasteful, you can take advantage of promos and cashback that are available. Rich QRIS transactions using Honest Card that can cashback up to 0.2% of each transaction. Not bad, shopping is still on the way but some are back.

In addition, usually in certain moments such as eventi Bank specials or birthdays often show up extra promos. You can also combine it with a promo in the QRIS connected shopping app. In essence, smart-select times and promos, so the transaction remains practical without inflating spending.

5. Avoid transactions using public Wi-Fi

How to use QRIS tap to stay secure can avoid transactions using public Wi-Fi. You see, public Wi-Fi networks tend to be less secure and easier to infiltrate by irresponsible parties. Risks that can occur e.g. data interception (data sniffing), attack man-in-the-middle where the perpetrator can slip between your connection and the payment system, up to the theft of account information or transaction data.

If QRIS transactions are made over a network like this, payment data could potentially be leaked or manipulated without your knowledge. So, it's best to use personal mobile data or Wi-Fi that you really trust when making QRIS payments, so that transactions remain secure and you can pay more quietly.

6. Separate funds as needed

Finally, as a measure of anticipation so that you do not get lost during QRIS transactions, separate funds as needed. Avoid putting all your money in one digital wallet. You see, if the balance seems safe, it becomes easier to buy without thinking. The ends only come to their senses when the money has already gone out a lot and instead makes money on its own. By dividing funds, such as daily specials, savings, and sudden needs, you become more controlled and less easy to manage.

Nah, there are 6 ways to use QRIS to stay safe and not wasteful. The ease of QRIS does make everything practical, but don't let it boomerang because we're less wise to use it. The key is in self-control and conscious financial management.

Frequently Asked Questions (FAQ):

1. Are there any additional fees when paying using QRIS?

According to Bank Indonesia (BI) rules, customers should not incur additional fees when paying using QRIS.

2. Is it more economical to use QRIS or e-wallet?

Depends on the promo offered. Usually e-wallets hold promos the cashback in the form of points, whereas QRIS on bank/credit cards usually give direct discounts in the form of voucher shopping (discount).

3. What is the minimum nominal QRIS payout?

Nope there is a nominal limit on QRIS payments! You can even pay from the smallest nominal, such as 1 rupiah.

4. What should be considered when making a transaction using QRIS?

Before making a QRIS transaction, pay attention to and verify the name merchant which you scan. After that, make sure the amount you will pay. This needs to be done to avoid false transfers and false QRIS.

5. Can QRIS only be used when there is internet?

Yes. QRIS transactions require internet, so before making a transaction with QRIS make sure your internet connection is active.