QRIS Bisnis

Scan QR for practical payment solution

Why QRIS Bisnis?

Detail

Comprehensive transaction report and payment tracking

Real-time

Every transaction is direct and on time

Praktis

QRIS can be printed and show according to your needs

QRIS

QRIS

Payment network by using QR code to help merchant collect payment from all QR based application in Indonesia

Important Information

There are 2 types of QR:


  • Dynamic QR
  • The QR code is obtained through the QR menu on the EDC machine. The dynamic QR specifies the transaction amount and is valid only for 1x transaction

  • Static QR
  • This is a permanent QR code (on a sticker/tent card) uniquely applied to the merchant. The static QR can be used repeatedly

Documentary Requirements


  • Application form to Become a BCA Merchant
  • Electronic Resident ID Card (e-KTP) (for Indonesian citizens)
  • Passport and Limited/Permanent Stay Permit (KITAS/KITAP) (for foreign citizens)
  • Tax ID Number (NPWP) Card (for applicants that already have the NPWP)
  • Business Identification Number (NIB) / Company Registration Certificate (TDP) (for applicants that have a TDP but do not have the NIB) *)
  • Business License issued by the competent authority *)
  • Professional License from the competent Department/Association **)
  • Statement and Authorization Letter regarding BCA Merchant’s Settlement Account (if the settlement account is not in the name of the relevant BCA Merchant)
  • Supporting documents, as may be required according to the selected transaction facility

*) If the applicant is applying to become a Static QRIS BCA Merchant and does not have the NIB and/or TDP and/or Business License, the applicant can simply provide a picture of his/her business location as a supporting document

**) Applicable only to individual applicants with such professions as doctors, accountants, etc.

 

  • Application form to Become a BCA Merchant
  • Identification documents of the applicant’s majority shareholder (if any), as specified below:
    1. Electronic Resident ID Card (e-KTP), for an individual shareholder with Indonesian citizenship
    2. Passport and Limited/Permanent Stay Permit (KITAS/KITAP) / electronic Resident ID Card (e-KTP), for an individual shareholder with foreign citizenship
    3. Taxpayer ID Number (NPWP) Card, for a business entity
    4. If the majority shareholder is a foreign individual that does not reside in Indonesia, the KITAS/KITAP/e-KTP may be replaced by a Reference Letter issued by a competent Government Agency

  • Supporting documents, as may be required according to the selected transaction facility
  • Statement and Authorization Letter regarding BCA Merchant’s Settlement Account (if the settlement account is not in the name of the relevant BCA Merchant)
  • Other documents as may be required for the opening of a current account or savings account to be used as the settlement account (applicable to business entities)

Supporting Documents


  • Certificate of Business Review (Berita Acara Peninjauan Usaha, or BAPU), only for individual merchants *)
  • Picture of the applicant’s business location
  • Statement and Authorization Letter regarding BCA Merchant’s Settlement Account (if the settlement account is not in the name of the relevant BCA Merchant)
  • A statement letter/Cooperation Agreement or a similar form/document if the applicant requests additional facilities such as the ECR / Customized Merchant Report (CMR) / 0% installment

Note:

  • The Certificate of Business Review (BAPU) is only required if the applicant does not have a Business Identification Number (NIB) and a Business License
  • Statement and Authorization Letter regarding BCA Merchant’s Settlement Account (if the settlement account is not in the name of the relevant BCA Merchant)
  • Picture of the applicant’s business location

Note:

  • The Certificate of Business Review (BAPU) is only required if the applicant does not have a Business Identification Number (NIB) and a Business License
  • Statement and Authorization Letter regarding BCA Merchant’s Settlement Account (if the settlement account is not in the name of the relevant BCA Merchant)
  • Other supporting documents for each transaction facility in accordance with the applicable rules and regulations

Note:

  • The Certificate of Business Review (BAPU) is only required if the applicant does not have a Business Identification Number (NIB) and a Business License

QRIS transaction flow with EDC BCA


  • Find or select “QR” in the EDC menu, then click “Payment” sub menu
  • Input the transaction nominal, then confirm
  • EDC will print the QR code in the receipt, then customer can scan to make a payment
  • If the transaction successes, then EDC will print the receipt

QRIS transaction tutorial


https://www.bca.co.id/edcbca

Transaction Fees

Card Type Applicable MDR
BCA Card 1,5%
Visa 2%
Mastercard 2%
Japan Credit Bureau (JCB) 2%
UnionPay (UP) 2%
American Express (Amex) 3,25%
BCA Debit Card 0,15% (Regular)
Debit Card issued by Other Domestic Banks 1%
Educational Merchant Category 0,75%
Gas Station (SPBU) Merchant Category 0,5%
Special Merchant Category for Social Assistance 0%
Maestro Debit Card 2%
Flazz 0%

 

QRIS Transactions

Description Applicable MDR

All Payment Applications for Merchants under the categories of Small Enterprise (UKE),

Medium Enterprise (UME), and

Large Enterprise UBE)

0,7%
All Payment Applications for Merchants under the category of Micro Enterprise (UMI)

0%*

All Payment Applications for Merchants under the categories of special programs of Social Assistance, Social Donation and Non-Profits 0%
All Payment Applications for Merchants under the business category of Education 0,6%
All Payment Applications for Merchants under the business category of Gas Stations 0,4%

*) valid until 31 December 2021


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