QRIS Increasingly a Mainstay, Transactions Soar 82.42 Percent in a Year

Transactions using the Quick Response Code Indonesian Standard (QRIS) continue to show rapid growth. Bank Indonesia (BI) recorded that QRIS transaction volume in July 2026 grew 82.42 percent year-on-year (yoy).

The growth is part of the ongoing increase in digital economic and financial transactions in Indonesia. BI recorded that overall digital payment transaction volume reached 5.50 billion transactions in July 2026, growing 28.69 percent year-on-year.

The growth in QRIS transactions has also been supported by the expanding number of users and merchants accepting payments through the system.

This development is one of Bank Indonesia’s focuses in strengthening payment system policy as part of the policy mix to drive economic growth.

Amid the increasing use of QRIS, BI is also preparing a new policy in the form of a 0 percent Merchant Discount Rate (MDR) for QRIS transactions of a certain nominal value.

Bank Indonesia will strengthen industry readiness to expand the 0 percent QRIS MDR policy. The policy is intended for transactions up to Rp100,000.

MDR is a fee charged to merchants for each payment transaction using QRIS. With the 0 percent MDR policy, QRIS transactions up to the specified nominal limit will not be subject to MDR fees for merchants.

The 0 percent QRIS MDR policy for transactions up to Rp100,000 will take effect from 1 October 2026.

This step is part of the implementation of payment system digitalisation in accordance with the Blueprint Sistem Pembayaran Indonesia (BSPI) 2030.

BI stated that payment system digitalisation is directed at supporting economic growth, expanding digital economic activity, and strengthening financial inclusion.

QRIS growth has occurred alongside the increase in overall digital payment activity.

In July 2026, digital payment transaction volume reached 5.50 billion transactions. The figure grew 28.69 percent compared with the same period the previous year.

In addition to QRIS, transactions through a number of digital channels also experienced growth.

Transaction volume through the internet was recorded to have grown 9.39 percent year-on-year. Meanwhile, transactions through mobile applications increased 24.25 percent year-on-year.

The growth demonstrates the increasingly widespread use of digital payment services in the public’s economic activity.