QRIS Bisnis

Scan QR for practical payment solution

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

Important Information Fees, Limits and interest rate Get the service API BCA Services

Important Information


QRIS Type

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

QRIS Feature

MPM

Payment QR Code usage method by displaying the Payment QR Code for the customer to scan.


CPM

Payment QR Code usage method by displaying the Payment QR Code for the merchant to scan.


Cross Border

Foreign customers can scan static or dynamic QRIS codes belonging to BCA merchants using mobile banking in their home countries. The list of countries that currently support QRIS Cross Border transactions includes Singapore, Thailand, and Malaysia. For more information, please check here.

Document 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

  • 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
  • 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
  • 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

QRIS Transaction Tutorial

Terms & Conditions Merchant BCA PT Bank Central Asia Tbk (BCA)

https://www.bca.co.id/id/Syarat-dan-Ketentuan/merchant-bca

Fees and Limit

QRIS Transactions


Merchant Type Merchant Category QRIS MDR
Reguler

Microbusiness (UMI)

transaction value <=Rp100.000

0,0%

transaction value > Rp100.000

0,3%

Small Business (UKE) 0,7%
Medium Business (UME)
Large Business (UBE)
Special Education 0,6%
Gas Station (SPBU) 0,4%
Public Service Agency (BLU)
Public Service Obligation (PSO)
Government to People (G2P) – Social Assistance (Bansos) 0%
People to Government (P2G) – Tax, Passport and Social Donation (Nirlaba)

QRIS Limit

Description
Rp10,000,000/transaction

 

Debit Card Transactions


Card Type Applicable MDR
Debit BCA 0.15% (Regular)
Debit Maestro 2%
Debit Cards from Other Banks 1%
Special Merchant Categories Applicable MDR
Education 0.75%
Gas Station (SPBU) 0.5%
Social Assistance (Bansos) 0%

 

Credit Card Transactions


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%

 

Flazz Transactions


Card Type Applicable MDR
Flazz 0%

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Android User
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Apply for EDC/QRIS via the Merchant Apps

You can also apply for EDC/QRIS by filling out the following form [click here]