Understanding QRIS and Its Benefits for Merchants
QRIS (Quick Response Code Indonesian Standard) is a unified QR code system that allows customers to pay using any e‑wallet, bank app, or QR‑based payment service in Indonesia. By adopting QRIS, a merchant can accept payments from GoPay, OVO, DANA, LinkAja, and many bank‑issued QR codes without needing separate codes for each platform. This streamlines checkout, reduces cash handling, and expands the customer base.
Why QRIS Is Essential in 2026
Digital payments continue to grow, and consumers expect a seamless experience. A single QRIS code eliminates the need for multiple QR stickers, simplifies accounting, and often comes with promotional tools from payment providers. Moreover, many providers now offer registration with no admin fee, making it an attractive option for small businesses.
Prerequisites Before You Start
To create a QRIS merchant profile, you’ll need a few basic items:
- A mobile device that supports the latest version of your chosen payment app.
- A registered business name or personal ID for verification.
- A stable internet connection for uploading verification documents.
- Access to a bank account that can receive transferred funds.
Step‑By‑Step: Registering for QRIS Without an Admin Fee
1. Choose the Right Platform
Many banks and e‑wallet services support QRIS registration. For this tutorial, we’ll use BCA Mobile because it allows free registration and direct integration with most local banks.
2. Download and Log In
Install the BCA Mobile application from the Google Play Store or Apple App Store. Open the app, sign in with your BCA internet banking credentials, and navigate to the “QRIS” section.
3. Complete the Merchant Verification
Follow the on‑screen prompts to enter:
