QRIS is a transaction method using an Indonesian standard QR code issued by
Bank Indonesia.
There are many ways to make QRIS Payment transactions. In addition to scanning the QR
code, now you can also provide QR to be scanned by stores/outlets that have
the QRIS logo. QRIS makes payment easier at all stores/outlets that have the
QRIS logo using myBCA, BCA mobile, or Sakuku. Furthermore, you can also use
QRIS to make payments abroad by scanning QR at merchants in countries that
work with Indonesia (cross-border) using myBCA.
In addition to payment transactions, you can also use the QRIS Transfer feature to send and receive money to fellow BCA bank accounts as well as to other banks or e-wallets that have been registered with the QRIS network.
QRIS Payment Features
MPM (Merchant Presented Mode)
This is a transaction method by scanning an Indonesian Standard QR
code using BCA mobile, myBCA, and Sakuku. This can also be done in
countries that work with Indonesia (cross-border) using myBCA and BCA
mobile.
CPM (Consumer Presented Mode)
This is a transaction method using an Indonesian standard QR code
to be scanned by the merchant using myBCA and BCA mobile.
QRIS Transfer feature
Scan QR
Transfer money to recipient by scanning QR code via myBCA and BCA mobile.
Show QR
Receive money by showing the QR code to be scanned by the sender via myBCA and BCA mobile.
Important Information
Transactions at stores/outlets/merchants are free of charge.
No top-up is required for QRIS transactions because it will be directly
deducted from the fund source chosen for the transaction.
All stores/outlets/merchants that have the QRIS logo can accept payments
from any payment application.
QR transactions abroad in countries that have collaborated with Indonesia
(cross-border) can only be done using myBCA and BCA mobile. For more details, please
read here.
QRIS Transfer is only specialised for sending and receiving money, not for payment transactions.
QR codes on QRIS transfers made to receive funds can only be used once.
Fees, Limits, and Interest Rates
Payment
Method
Limit Per Transaction
Daily Limit
MPM
IDR10,000,000
IDR25,000,000
CPM
IDR1,000,000
Lintas Negara (cross border)
IDR10,000,000
Transfer
Account Type
Limit per Transactions
Daily Limit
Minimum
Maximum
myBCA
BCA mobile
Between BCA Account
IDR1
IDR10,000,000
To other personal account: maximum not capped
Between BCA account: Following to the combined limit of
IDR300,000,000/ID BCA
Following the transfer limit between accounts based on the card type
Non BCA
IDR10,000
IDR10,000,000
Following to the combined limit of IDR300,000,000/ID BCA and the
interbank transfer limit of IDR150,000,000/ID BCA
Following the interbank transfer limit based on the type of card
Note:
Limit per transaction of MPM method (by QR scan) using myBCA, BCA mobile,
and Sakuku is capped at IDR10,000,000
Limit per transaction of CPM method (by providing QR code) using BCA
mobile and myBCA is capped at IDR1,000,000
QRIS Daily Limit (Domestic & Cross Border) using BCA mobile and myBCA is
limited to IDR25,000,000 per day.
Limit per QRIS Transfer transaction using BCA mobile of IDR10,000,000
Daily limit for QRIS transactions Transfers to fellow BCAs use the daily
transfer limit to BCA accounts according to the card type, while to
non-BCAs use the daily interbank transfer limit according to the card
type.
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di luar www.bca.co.id yang tidak terafiliasi dengam BCA dan mungkin
memiliki tingkat sekuriti yang berbeda. BCA tidak bertanggung jawab
dan tidak mendukung, menjamin, mengendalikan konten, mengendalikan
ketersediaan dan perspektif atas produk-produk atau layanan-layanan
yang ditawarkan atau dinyatakan oleh website tersebut.