BCA - QRIS Bisnis

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:

Merchant Presented Mode (MPM) Crossborder: QRIS payment transactions, both static and dynamic, for foreign tourists to shop at merchants.
Currently, the banks' applications that can transact with QRIS BCA include:
- Thailand: Bank Of Ayudhya, Bangkok Bank, CIMB Thai.

Documentary Requirements

Application form to Become a BCA Merchant
Identification documents of the applicant’s majority shareholder (if any), as specified below:

Electronic Resident ID Card (e-KTP), for an individual shareholder with Indonesian citizenship
Passport and Limited/Permanent Stay Permit (KITAS/KITAP) / electronic Resident ID Card (e-KTP), for an individual shareholder with foreign citizenship
Taxpayer ID Number (NPWP) Card, for a business entity

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)

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.

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 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%
	Microbusiness (UMI)	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)		0%

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%

QRIS Bisnis

Why QRIS Bisnis?

Universal

Real-time

Detail

Get the service

How to pay with Sakuku

How to pay with BCA mobile