QRIS

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Quick Response Code Indonesia Standard (abbreviated as QRIS, the abbreviation being a wordplay on keris, a traditional sword; Indonesian: Kode QR Standar Indonesia) is a QR code payment system developed by Bank Indonesia (BI) and the Indonesian Payment System Association (ASPI) aimed to integrate all non-cash payment methods in Indonesia. Launched in 2019, the system enables peer-to-peer (P2P) transactions between banks and person-to-merchant (P2M) payments. All payment service providers (PJP) who uses QR code payments are required to implement QRIS. QRIS can be used by all smartphones with a QR code scanner to transfer funds. QRIS is also available as a near field communication (NFC) based payment under the name QRIS Tap. By 2024, QRIS transactions in Indonesia have seen a significant surge of 226.54% over the past year, with the number of users reaching 50.50 million and 32.71 million merchants onboarded. The total annual value of QRIS transactions in 2024 is Rp42 trillion (equivalent to $2.57 billion).