How To Make QRIS Code: A Step‑by‑Step Guide for Merchants

If you want to accept payments from banks, e‑wallets, and digital wallets in Indonesia, creating a QRIS (Quick Response Code Indonesian Standard) code is the most efficient solution. QRIS unifies all payment channels into a single QR code, allowing customers to pay with Gopay, OVO, DANA, BCA, Mandiri, and many other providers. This article walks you through the process of generating a QRIS code, from registration to printing the final QR.

Understanding QRIS and Its Benefits

QRIS is an open standard introduced by Bank Indonesia to simplify cashless transactions. By using a QRIS code, merchants can:

International financial architecture has long been dominated by Western players, but QRIS gives Indonesian businesses a locally tailored solution that supports both banks and e‑wallets.

Prerequisites Before Creating a QRIS Code

Before you start, make sure you have the following:

  1. A valid business license (SIUP or TDP) and a tax identification number (NPWP).
  2. A bank account that participates in the QRIS program.
  3. Access to a QRIS‑compatible merchant portal, such as Gopay Merchant, OVO Business, or a bank’s merchant dashboard.
  4. An internet connection and a device (computer or smartphone) for generating the QR.

Having these items ready will speed up the registration process and prevent delays.

Step 1: Register Your Business with a QRIS Provider

Most merchants choose a payment gateway that aggregates several e‑wallets. The registration steps are similar across providers:

  1. Visit the provider’s website (for example, Canva QR generator can be used for quick testing, but official QRIS registration requires a payment gateway).
  2. Click “Sign Up” or “Become a Merchant” and fill in your business details.
  3. Upload required documents: business license, NPWP, and bank account information.
  4. Agree to the terms of service and submit the application.
  5. Wait for verification, which typically takes 1–3 business days.

Once approved, you will receive a merchant ID and access to a dashboard where you can create QRIS codes.

Step 2: Generate the QRIS Code in the Merchant Dashboard

After logging into your merchant portal, follow these steps to create a QRIS code that works for all payment methods:

  1. Navigate to the “QR Code” or “QRIS” section of the dashboard.
  2. Select “Create New QR” and choose the “All‑in‑One” option if available. This ensures the QR will be readable by every participating bank and e‑wallet.
  3. Enter the payment amount you want to receive. You can leave the amount blank for dynamic pricing, allowing customers to input the exact amount at checkout.
  4. Customize the QR appearance (optional). Some platforms let you add a