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QRIS Bisnis

Scan QR for practical payment solution

Download Aplikasi Merchant BCA

Why QRIS Bisnis?

Universal

one QR code to use on various digital payment apps

Real-time

instant payment and real time notifications

Detail

Comprehensive transaction report and payment tracking

QRIS

About Fees and Limits Important Information Get the service

About

There are 2 types of QRs, namely:

Dynamic QRIS

Dynamic QRIS is a payment QR code generated via the EDC machine's QR menu and includes the transaction amount. It is valid for only 1 (one) transaction.

Static QRIS

Static QRIS is a permanent payment QR code that is unique to each merchant and can be scanned repeatedly.

Key Features

  • Flexibility in choosing various QR payment methods.

    Method

    Remarks

    MPM

    A method of using a payment QR code, where the merchant displays the payment QR code for the customer to scan.

    CPM

    A method of using a payment QR code, where the customer displays the payment QR code for the merchant to scan.

    QRIS Tap

    The QRIS transaction method utilizes NFC technology by bringing the customer's device close to, or tapping it on, the merchant's payment terminal that accepts QRIS TAP. QRIS Tap can be accessed through the NFC Pay menu in the myBCA app and is available on Android devices. 

  • Accepts Dynamic QRIS and Static QRIS payment transactions.
  • Accepts QRIS Cross Border payment transactions, where foreign customers can scan Dynamic and Static QRIS of BCA merchants using mobile banking from the customer's country of origin. Currently, countries that support QRIS Cross Border payment transactions include China, Thailand, Malaysia, Singapore, Japan, and South Korea.
  • Get an account to access the Merchant BCA application. The Merchant BCA app offers features such as new merchant registration, EDC & QRIS application, transaction report viewing, and access to Merchant Care.
  • Merchants with QRIS facilities will receive an account to access QR Merchant Service (QRMS). QRMS is a web-based application (at qr.klikbca.com) that allows QRIS Merchants to view QRIS transactions in real time. Accounts are created using the email address provided in the Merchant Data Form (FDM) through the BCA Merchant application or the printed version.

Benefits

  • Merchants can minimize the risk of receiving counterfeit money as transactions are cashless.
  • A payment option that allows merchants to accept payments from various issuers.
  • Through the Merchant BCA application, merchants can do the following:
    • Real-time checking of Static QRIS transaction data.
    • Receive Static QRIS transaction notifications.
    • Access the Static QRIS sticker image.
    • Receive notifications about BCA information and promotions through the Inbox feature.
    • Submit additional stores/outlets.
    • Submit changes to merchant data.
    • Submission of merchant closure.
  • Through QRMS, merchants can do the following:
    • Check Static QRIS transaction data.
    • Receive Static QRIS transaction notifications.
    • Access the Static QRIS sticker image.

Risks

  • Misuse of PIN/Password/OTP and User ID due to negligence by the merchant.
  • There are circumstances in which BCA may directly debit the merchant's account if the merchant does not respond to and provide an answer to a payment transaction correction request submitted by the source of funds owner within the timeframe stipulated by applicable regulations.

Requirements and Procedures

  • BCA Merchant Application Form
  • e-KTP (for Indonesian citizens)
  • Passport and KITAS/KITAP (for foreigners)
  • NPWP (if you already have one)
  • Business Identification Number (NIB) or Company Registration Certificate (TDP) (for BCA Merchant applicants who already have a TDP but do not have an NIB) *)
  • Business License issued by an authorized agency *)
  • Professional License from the authorized Department/Association **)
  • Statement Letter and Authorization Letter for BCA Merchant Settlement Account (if the settlement account is not in the name of the BCA merchant)
  • Supporting documents according to the selected transaction method

Description:
* )For the BCA QRIS Static Merchant application, if you do not have a NIB, TDP, and/or Business License, you can attach a photo of the business location as supporting documentation.
** )Specifically for individual BCA Merchant applicants in professions such as doctors, accountants, etc.

  • BCA Merchant Application Form
  • The identity of the largest shareholder (if any), in accordance with the following conditions:
    • e-KTP (for Indonesian citizens)
    • Passport and KITAS/KITAP (for foreigners)
    • NPWP for Entities
      For foreign individuals who do not reside in Indonesia, a reference letter from a government agency can be used as a substitute for KITAS/KITAP/e-KTP
  • Supporting documents according to the selected transaction method
  • Statement Letter and Authorization Letter for BCA Merchant Settlement Account (if the settlement account is not in the name of the BCA merchant)
  • Other documents required to open a current or savings account, used as settlement accounts for corporate customers

Prepare additional documents for the submitted product, including:

  • Statement Letter and Authorization Letter for BCA Merchant Settlement Account (if the settlement account is not in the name of the BCA merchant)
  • Photos of the business location
  • Statement Letter and Authorization Letter for BCA Merchant Settlement Account (if the settlement account is not in the name of the BCA merchant)
  • Other supporting documents for each transaction facility in accordance with applicable provisions

Fees and Limits

Fees

QRIS Transactions (Static and Dynamic)

Merchant Type

Merchant Categories

Transaction Amount

Applicable MDRs

Regular

Micro Business (UMI)

≤ IDR500,000

0%

> IDR 500,000

0,3%

Small Business (UKE), Medium Business (UME), Large Business (UBE)

≤ IDR100,000

0%

> IDR100,000

0,7%

Special

Education

≤ IDR100,000

0%

> IDR100,000

0,6%

Gas Station (SPBU)

≤ IDR100,000

0%

> IDR100,000

0,4%

Government to People (G2P) – Social Assistance (Bansos)

0%

People to Government (P2G) – Taxes, Passports and social donations (Non-profit)

Public Service Agency (BLU) and Public Service Obligation (PSO)

Last modified: 01-10-2026

  • The MDR value may change from time to time. Any changes will be notified by BCA to the merchant in any form and through any channel in accordance with the applicable regulations.
  • The MDR value for QRIS transactions with KKI follows the QRIS MDR value.
  • The MDR value that applies to merchant applicants is the one listed on the Merchant Data Form (FDM).

Limit

The transaction limit with Static and Dynamic QRIS payment methods is IDR10,000,000 per transaction. This transaction limit is subject to change according to the applicable provisions of Bank Indonesia.

Simulation

Example of Transactions at UKE Merchants

Total QRIS transactions made for settlement = IDR150,000, then the nominal amount that will be credited to the merchant's settlement account is:

  • Amount = Transaction Nominal - (Transaction Nominal x UKE Regular MDR)
  • Amount = IDR150,000 - (IDR150,000 x 0.7%)
  • Amount = IDR148,950

Important Information

Additional Information

  • Merchants are prohibited from charging surcharges to the Cardholders and/or owners of Electronic Money and/or other sources of funds for the transactions fees BCA charges the merchant.
  • The Static QRIS image can be used repeatedly for payments. Static QRIS contains merchant information, and customers pay by scanning the QR code and entering the transaction amount. In addition, a Multi Settlement feature is available for specific BCA merchants.
  • For information on closing or discontinuing the service, merchants can request the closure of EDC/QRIS products through branches, by contacting Merchant Solution, or through the Merchant BCA application.
  • BCA will inform you of any changes to the benefits, costs, risks, terms and conditions of this Product and/or Service through any means in accordance with the applicable legal provisions.

Summary of Product & Service Information (RIPLAY)

BCA EDC and Static QRIS Information Summary
Get the Product/Service Summary information via the link below
Download PDF

Terms and Conditions

BCA EDC and Static QRIS Product Information Summary
Review the Terms and Conditions of this product or service via the link below.
Download PDF

QRIS Transaction Guide

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For those of you Android and iOS users who don't have EDC BCA/QRIS, download the Merchant BCA application now.
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How to Accept QRIS Payments on BCA EDC

Accepting QRIS Payments with Tent Cards Tutorial

QRIS Sakti Tutorial

Applying for QRIS via BCA Merchant App Tutorial

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QRIS Submission List

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