QRIS (Quick Response Code Indonesian Standard) is the national QR payment standard mandated by Bank Indonesia. It unifies all e-wallets and bank apps into one QR code — so your customers can pay with GoPay, OVO, Dana, ShopeePay, LinkAja, or any bank app by scanning the same code.
Why QRIS Matters for Restaurants
One code, all wallets — Instead of displaying 5 different QR codes (one per e-wallet), you display one QRIS code. Cleaner, simpler, professional
Bank Indonesia mandate — BI is pushing cashless payments across Indonesia. QRIS adoption is growing 40%+ year-over-year
Lower cash handling — Less cash means less theft risk, less counting time, fewer discrepancies
Automatic reconciliation — Every QRIS transaction is digitally recorded. No more "did that customer pay?" debates
Customer expectation — Urban Indonesian consumers increasingly expect QRIS. Not having it feels outdated
How QRIS Works
There are two types:
Static QRIS
A printed QR code displayed at your cashier or table. Customer scans it, enters the amount manually, and pays. It's:
Free to set up — Most payment providers give you the sticker for free
Simple — No hardware needed
But: Customers enter the amount themselves — which means typos and disputes
Dynamic QRIS
Your POS generates a unique QR code per transaction with the exact amount pre-filled. Customer scans and confirms — no manual entry. It's:
More accurate — Amount is pre-set, no typos
Faster — One scan, one tap, done
Reconciliation-friendly — Each QR ties to a specific order in your POS
But: Requires POS integration
Recommendation: Start with static for simplicity, upgrade to dynamic when you adopt a POS that supports it.
What It Costs
QRIS transaction fees are regulated by Bank Indonesia:
MDR (Merchant Discount Rate): 0.3% for micro merchants (annual revenue < Rp 500 million)
Regular merchants: 0.7% of transaction value
No monthly fees — QRIS itself has no subscription cost
For perspective: on a Rp 100,000 transaction, you pay Rp 300–700 in fees. Compare that to 2–3% charged by credit card processors. QRIS is dramatically cheaper.
Setting Up QRIS
Choose a payment provider — Banks (BCA, Mandiri, BRI) or fintech partners (GoPay Merchant, OVO Merchant, Xendit)
Register as a merchant — Provide NIB, KTP, and bank account details
Receive your QR code — Static (printed sticker) and/or dynamic (POS-integrated)
Train your staff — Ensure they can verify payment confirmation before releasing orders
Common Mistakes
Not verifying payment — Always check the notification before confirming the order. Screenshot fraud is real
Ignoring settlement reports — Reconcile QRIS settlements with your POS daily. Discrepancies happen
No backup payment method — QRIS depends on internet + phone battery. Always accept cash as fallback
Makan POS supports dynamic QRIS out of the box — each transaction generates a unique QR code with the correct amount, and payment confirmation is automatic. Combined with cash and split-payment support, you're covered for every scenario.