Why is QRIS a popular payment option? Here's the reasons!

Quick Response Code Indonesia Standard (QRIS) is a digital payment facility released by Bank Indonesia in 2019. Five years after its release, QRIS has been used by more than 57 million Indonesians and 40 million merchant at home and abroad (The Jakarta Globe).

This rapid development of QRIS is not surprising. This payment facility is very popular among Indonesians. Here are some of the reasons:

1. Practical, one app for all

The first advantage of QRIS is that it is practical for both buyers and sellers. For buyers, pay using QRIS It is very practical because one payment method can be used for any transaction, from paying for train tickets, to buying a bargain in the market. This is in view of the fact that QEIS is not only used by merchant from the formal sector, but also merchant from the informal sector.

On the other hand, for the seller, QRIS is practical because the seller does not need to prepare the change. Buyers stay scanning barcodes which is glued to the cash register and enter the nominal of payment, however small.

2. Can be used abroad

QRIS can not only be used in Indonesia. Reported from Pace (2025), this payment facility can now be used in Thailand, Malaysia, Singapore and Japan. It is planned that the government will also develop the prospect of using this payment facility in China.

How to use QRIS abroad is also easy. open Honest App, then click on the QRIS feature at the bottom center, then scan the QR Code that is near the merchant's cashier, enter the payment amount and click OK. The system will automatically convert the value of your shopping in rupiah. So, you nope need to knock baht, ringgit or SGD too much. Just use QRIS in the app Honest credit card and eat as much as you like in those countries.

3. Recorded expenditure history

One of the advantages of QRIS compared to cash payments is the presence of a record of the history of expenses. Although it does not come with information about what goods you buy (unless you buy online), you will at least know the name and location of payment. Thus, you can remember any items you buy and conduct monthly financial evaluations.

Merchants will also directly receive notifications of receipt of incoming funds whether it is via WhatsApp, SMS or through the application. So, they can also easily evaluate the funds that go into their business.

4. Affordable transaction fees

Transaction fees using QRIS are also relatively more affordable compared to other payment methods. In QRIS, transaction fees charged to regular merchants (other than certain sectors) are approximately 0.3%-0.7% with fees Settlement when disbursement starts from IDR 2,000.

For example, if you buy food worth IDR 50,000 using QRIS, then merchant will receive about IDR 49,650 which can then be disbursed by the merchant along with the value of other transactions for a fee Settlement amounting to Rp2,000-Rp3.000 (for HIMBARA and BCA).

It's certainly different if you pay by using transfer method in mobile banking application or digital wallet. With these two methods, at least you have to pay an administrative fee of Rp1,000-Rp6,500 per transaction.

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5. It's safe

Digital payment systems using QRIS are essentially secure because they are supervised by Bank Indonesia and are equipped with international digital transaction security standards. However, it is undeniable that the security of transactions using QRIS should depend not only on the system itself, but also on the people who use it.

As a buyer, make sure you pay attention to the appropriate name and payment name. Because, many fraud modes use QRIS that take advantage of the buyer's inaccuracy when making transactions. For example, business QR codes are replaced with personal QR codes.

For sellers, it is recommended that sellers using this payment method understand the difference between QRIS Pay and QRIS Transfer in order to avoid QRIS fraud that is in the mode of making payments using QR Pay.

6. More convenient for both buyer and seller

Paying using QRIS is also relatively faster. First, the buyer does not have to wait for the cashier to find change. Second, buyers can instantly scan the code while still in the queue to pay. Merchant simply receive payment notifications and or photograph the buyer's proof of payment just in case.

Enjoy the benefits of QRIS to the maximum by using the QRIS credit card available in the Honest App. In addition to being able to be used abroad, by using this application, you can also get other benefits, such as rewards points, discounts at certain merchants, promotions cashback and many others. Download the Honest App now and make sure shopping is easier and faster!

Frequently Asked Questions (FAQ):

1. Can QRIS be used in all e-wallets?

Currently, all e-wallet applications and mobile banking already using QRIS as a fast and practical payment option.

2. Are transactions with QRIS safer?

Yes, generally transactions using QRIS tend to be more secure because nope need physical contact and prevent the occurrence of counterfeit money transactions. But you still need to be vigilant by making sure you come back. merchant which you choose for the transaction.

3. Are buyers charged admin fees when transacting using QRIS?

No. Buyers are not charged admin fees if the transaction uses QRIS (according to Bank Indonesia rules).

4. Can QRIS be used throughout Indonesia?

Yes, especially nowadays there are many sellers who use QRIS as the most flexible and practical payment option because they do not have to bother looking for cash back.

5. How to save on expenses with QRIS?

If you use QRIS, your transactions are automatically recorded directly in the transaction history, through which transaction history you can record and evaluate your expenses during the use of QRIS and then create budget limits.