How to Use QRIS Safely for Transactions

QRIS (Quick Response Indonesia Standard) does offer many conveniences in transactions. However, we must also be wary of irresponsible individuals who can use QRIS to commit fraud. One viral case is fraud using a fake QR code at a mosque. Therefore, knowing how to use QRIS safely to avoid fraud during transactions is important.

6 Ways to Use QRIS Safely

QRIS is a very helpful payment alternative in this digital era. QRIS users do not need to carry cash or use cards, so QRIS is a safer payment option. However, the security level of QRIS needs to be supported by how you use it. Here are some tips to use QRIS safely.

1. Pay attention to the installation location of the QRIS Code
   When you want to pay using QRIS, pay close attention to the location where the QRIS code is installed. Make sure that the QRIS that you are going to use is installed in a legitimate and trusted place. Avoid using QRIS codes that are posted carelessly or suspiciously, such as those found in dark or hidden places.
2. Check the conformity of the destination code with the merchant on the screen
   After performing a QR scan, carefully check the destination name that appears on your mobile screen. Make sure that the destination name matches the actual merchant. If the destination name for the QRIS code is different from the actual merchant, you should be careful because this can be a sign of fraud.
3. Double check payment nominal and transaction notifications details
   Before confirming payment, double-check the details of the nominal payment that appears on your mobile screen. Make sure that the nominal is correct and there are no suspicious differences. Besides, pay attention to transaction notifications after you make a payment. If strange or suspicious information appears, immediately check with the officer or authorized party before proceeding with the transaction.
4. Do not provide sensitive information after scanning QR
   When you perform a QRIS scan, do not provide sensitive information to other parties, especially if it is asked in an unreasonable manner. Sensitive information such as PINs or passwords must always be kept confidential and may not be shared with anyone. Fraudsters often use the mode of requesting sensitive information to commit further fraud.
5. Report to PJP regarding suspicious matters
   If you find anything suspicious, for example, a difference between the merchant’s name and the QRIS destination or the QRIS codes stacked up, immediately report the matter to the Payment Service Provider (PJP). They will provide necessary assistance and action to prevent further fraud. Your report can help the authorities to uncover and address fraudulent practices related to QRIS.
6. Be careful when accessing links from QR codes
   Some QRIS may contain links that will take you to certain sites. Before accessing the link, make sure you are careful and not in a rush. Carefully check the link, and make sure that the link is safe and legitimate. Do not access suspicious or unknown links, as this can compromise the security of your data and personal information.

By knowing how to use QRIS safely, you can protect yourself from potential fraud and crime in the digital world. Currently, Jalin is also supporting the QRIS service system for banks. Jalin is a Payment System Infrastructure Provider (PIP) that supports QRIS services with a qualified security system, enabling banking and fintech members to reach a wider range of customers and have easier transactions. Please visit Jalin’s official website to get more information about the QRIS services we provide.

Always be vigilant and follow the safety measures mentioned above to safely and comfortably use this sophisticated payment technology.