Accept QRIS in Indonesia with finera.: Reach Millions of Local Customers

Indonesia has rapidly emerged as one of the most dynamic digital economies in Southeast Asia. With strong smartphone adoption, government-backed innovation, and a young, mobile-first population, the country has embraced digital payments at a remarkable scale. Among the most transformative developments is QRIS, the Quick Response Code Indonesian Standard, a unified QR-code payment system that has reshaped how Indonesians transact.

Whether entering Indonesia for the first time or expanding an existing footprint, QRIS gives merchants the ability to offer a payment method that local consumers trust and prefer.

What is QRIS?

QRIS was launched in 2019 by Bank Indonesia and the Indonesian Payment System Association (ASPI) to create a unified standard for QR-code payments across the country. Prior to its introduction, merchants often needed separate QR codes for different banks and e-wallets, a fragmented approach that added operational overhead and created unnecessary friction for customers at checkout.

QRIS changed that. By consolidating all major payment providers into one interoperable QR code, it allows consumers to pay through their preferred banking or wallet app without switching platforms or entering manual transfer details. The experience is straightforward: scan, confirm, and complete the transaction rapidly.

For businesses, this removes complexity while improving the reliability and speed of payment acceptance. Whether online, on mobile, or in-store, QRIS delivers a seamless, consistent payment experience designed for modern commerce and the way Indonesians already live and shop.

QRIS Adoption and Growth in Indonesia

Indonesia is a mobile-first market, with millions of users relying on smartphones for banking, commerce, communication, and entertainment. QRIS aligns perfectly with this behaviour. Customers simply scan or tap to complete payment, no manual account entry, no additional hardware, no complex authentication steps.

For merchants, this simplicity translates into lower friction and optimised conversion, particularly on mobile checkout flows, where traditional methods can slow the customer journey.

QRIS works across a wide range of industries, e-commerce, ride-hailing, hospitality, retail, travel, digital services, online gaming, supporting both digital and in-person transactions.

A Payment Method at Massive Scale

QRIS has achieved a scale that few payment systems reach in such a short time. As of mid-2025, QRIS has been adopted by more than 57 million users and 32 million merchants, according to PS-Engage’s industry analysis on Indonesia’s QRIS adoption.

Growth continues to accelerate. In the second quarter of 2025, QRIS transaction volume increased by 148.5% year-on-year, with total transaction value surpassing IDR 579 trillion in the first half of 2025, according to reporting from The Indonesian Observer.

This adoption is not limited to traditional QR scanning. The ecosystem is evolving. A new feature, QRIS Tap, which uses NFC technology instead of camera scanning, launched in March 2025 and gained rapid traction, with more than 47.8 million users and 648,000 merchants enabled by June 2025.

Benefits of QRIS for Cross-Border and Local Merchants

For global businesses looking to reach Indonesian customers, QRIS is no longer optional.

Offering QRIS brings immediate value:

• Reduced payment friction and manual steps. 
• Trust, speed, and convenience increase at checkout.
• Mobile-first behaviour is fully supported.

Indonesian consumers already use QRIS daily across retail, transportation, food delivery, subscription services, travel, online shopping, and online gaming. The familiarity, speed, and convenience make it a natural choice at checkout and offering QRIS signals that a merchant understands and supports local payment expectations.

Beyond user preference, there are also operational and commercial advantages to consider. In practice, QRIS simplifies payment acceptance into one method, supports real-time confirmation, and reduces the friction that often accompanies bank transfers or unfamiliar card flows. As a result, QRIS improves the probability of customers completing their purchases by addressing key concerns like payment trust and convenience, which often lead to cart abandonment. 

For merchants, this translates into optimised conversion, fewer failed payments, and a more reliable path to serving Indonesia at scale. 

Taken together, QRIS underscores the advantages of alternative payment methods in high-growth markets, making it a strong payment solution for global enterprises entering Indonesia or deepening their local presence.

Why Enable QRIS through finera.

Adding QRIS is an important step; enabling it through finera. ensures merchants unlock its commercial value. Beyond access to Indonesia’s most widely used QR payment standard, businesses benefit from technology and support designed to scale efficiently across regions and payment methods.

With finera., merchants can go live faster, reduce operational complexity, and operate with confidence in a high-growth market.

Key advantages include:

• Real-time monitoring and support to maximise performance and uptime.
• Integrated fraud and security controls designed to protect both merchant and customer flows.
• Local currency support with smart routing to ensure a smooth end-to-end payment experience.
• Dedicated merchant support, ensuring expert assistance across time zones and payment environments.

Start Accepting QRIS: Expand Your Reach in Indonesia with finera.

Indonesia represents one of the most promising and dynamic digital economies in Southeast Asia, projected to exceed $130 billion by 2025. With millions of users transacting digitally every day, QRIS has become the payment method that defines the customer experience. 

QRIS is now available with finera., providing a straightforward way to begin accepting Indonesia’s leading QR-based payment method. Setup is streamlined and activation is fast so merchants can immediately strengthen their ability to serve Indonesian consumers, reduce payment friction, and improve customer trust at checkout. Businesses interested in offering QRIS as a payment method for Indonesian customers can contact our team to begin the activation process. Our support team is available to help configure QRIS and guide you through onboarding.

Ready to scale efficiently in one of the world’s most exciting growth markets? 

Offering QRIS means meeting Indonesian consumers where they already are, on their phones, using a trusted and familiar method, and expecting fast, reliable, seamless transactions.