7 Compelling Benefits of Being a QRIS Merchant

Amidst the rapid digitalization of the current era, one effective strategy to maintain your business's competitiveness is to adopt digital payments.  According to insights from Katadata, the trend of utilizing electronic money for shopping has increased by a staggering 1000% over the past 5 years, resulting in a total transaction of nearly Rp40 trillion (January 2023) from the previous amount of just under Rp5 trillion (January 2018).


To enjoy the benefits, all you need to do is register your business or enterprise as a QRIS Merchant.  So, what exactly are the benefits and advantages you'll enjoy?

7 Benefits of Being a QRIS Merchant

Naturally, as a business owner, you always seek to increase the profitability of your business.  One approach that you must employ is becoming a QRIS merchant, which entails these seven benefits.

1. Protection against counterfeit money

The first advantage of the QRIS payment method is the fact that you can always receive secure and genuine digital payments.  In the past, you had to prepare ultraviolet lights to verify the authenticity of paper money. Now, your transactions can be processed more securely and conveniently.  For instance, an electronics seller receives QRIS payments from a customer.  Using QRIS, the seller can verify the transaction's authenticity as they can access the transaction in real-time through the dashboard.

2. Cutting down the cost of managing small change

Dealing with payments in small changes can be a burden for your business. However, with QRIS, you can reduce cash usage and manage transactions more efficiently.  For example, a diner uses QRIS to accept payments from customers. Aside from eliminating the need for providing small change, the diner can also cut down on cashier operational costs, as customers only need to scan when making payments.

3. Elevating the Shopping Experience

QRIS payments also bring about a quicker and more convenient shopping experience for customers.  For instance, a customer is looking to purchase a product at a clothing store.  Through QRIS, this customer can make direct payments via their mobile phones, bypassing the need for cash or credit cards. Contactless payment is also definitely safer, particularly in light of the Covid-19 pandemic that has impacted Indonesia from 2020 to 2023.  On the other hand, a positive shopping experience may increase customer satisfaction.

Currently, several new features are under development to enhance the quality of QRIS services. Among these, the QRIS Transfer Tarik Setor (QRIS TTS) stands out—a feature enabling users to transfer funds both as senders and receivers, which also facilitates cash withdrawals and deposits through scanning QRIS codes at merchants or ATMs.   The range of innovations within QRIS services serves to streamline transactions for both merchants and customers who use QRIS.

4. Reduce the time needed for bookkeeping

The intricate bookkeeping processes can become more efficient with QRIS. This stems from the fact that each QRIS transaction is automatically recorded into the system, reducing the need for manual data entries. For example, a café uses QRIS to accept payments from customers. With transactions being recorded automatically, the café can save the time that would otherwise be spent on recording the transactions manually.

5. Attracting more customers

QRIS creates opportunities for attracting more customers. In this digital era, customers prefer to use QRIS as a practical payment method.  Additionally, there are numerous special promotions and discounts for QRIS users.  For instance, an online store extends a 10% discount to customers who opt for this payment method.  Such offerings undoubtedly capture the interest of potential customers, thereby increasing business sales.

Moreover, cross-border QRIS payment services are now available, enabling its usage in foreign countries like Thailand and Malaysia. In the future, it will be available to use in Singapore and the Philippines as well.  Thus, business owners now have the means to attract broader customers like tourists to bolster their business revenue.

6. Reducing queues

The swift and efficient QRIS payment process also helps in minimizing queues at your business establishment. For example, a restaurant that uses QRIS for customer payments can expedite transaction processes, resulting in shorter waiting times and ultimately increasing customer satisfaction.

7. A means to achieve a better credit score

Every transaction conducted through QRIS is automatically recorded in the system, acting as valid evidence of a good financial history for your business.  As a result, your credit score will showcase maximum outcomes, making future loan applications to banks or other financial institutions easier.


Isn't it clear that becoming a QRIS Merchant can significantly optimize your business payment reception?  Jalin, acting as a Payment System Infrastructure Provider (PIP), supports the QRIS service system offered by banks and fintech companies to merchants, ensuring that QRIS services can be more secure, convenient, and reliable.


Further information about QRIS services, along with the list of member banks and fintech companies included in Jalin's system network can be read here!