Electronic Data Capture (EDC) machines are an essential tool for supporting business operations. One such example is EDC BCA, which allows customers to make cashless payments conveniently and easily.

For business owners and BCA merchants, tEDC BCA not only simplifies the payment process but also offers the following benefits:

• Provides a variety of payment options. Customers can pay using debit cards, credit cards, or QRIS.
• Reduces the need to keep cash on hand at the register. With more cashless transactions, the risk of losing money, the circulation of counterfeit money, and the potential for fraud in cash management can be minimized.
• Simplifies financial record-keeping. Transactions are automatically recorded through the banking system, making it easier for business owners to monitor income, perform reconciliations, and prepare daily financial records.

The presence of a EDC BCA also helps create the impression that the business is managed in a more modern and professional.

To fully realize these benefits, the EDC BCA must be used as intended, specifically to process payments for the purchase of goods and/or services. This means that every transaction processed through the EDC must be directly related to sales made by the merchant.

In this context, one practice that must be avoided is cash swiping, or gestun. Gestun is the practice of withdrawing cash using a credit card’s credit limit through an EDC machine, but the transaction is recorded as if it were a purchase of goods or services.

Illustration of Cash Withdrawal (Gestun)

For example, a person comes to a store to request cash using a credit card. The store then processes a payment through the EDC as if the customer were purchasing a product. In reality, no goods or services are purchased. The customer only receives cash after a certain amount is deducted as a fee.

This practice is inconsistent with the intended use of EDC terminals and can disrupt the smooth operation of the merchant’s business. If a violation of applicable regulations is detected, the merchant risks having their EDC service disrupted or even having their account blocked.

Therefore, ensure that every transaction processed through an EDC terminal is a payment for goods or services actually sold to the customer. This way, business operations can proceed in accordance with regulations, and customer trust remains intact.

EDC BCA Mandatory Regulations

Still regarding cash withdrawals and transaction fees, there is another regulation that merchants must observe: the prohibition against imposing additional charges or surcharge fees on customers for payment transactions.

A surcharge fee is an additional charge applied to transactions made via QRIS, debit cards, or credit cards, which is imposed by the business on the consumer. Consumers are directly charged an additional fee calculated as a certain percentage of the purchase price, meaning they end up paying more than the original price of the product they bought. It is important to note that transaction fees processed through EDC BCA, known as the Merchant Discount Rate (MDR), are the responsibility of the business and should not be passed on to consumers.

This provision is regulated in Bank Indonesia Regulation No. 10 of 2025 concerning the Regulation of the Payment Systems Industry. The regulation also prohibits cash withdrawals using credit cards that are recorded as if they were transactions for the purchase of goods or services.

Let’s use the EDC BCA as intended to support smooth business transactions. With a variety of cashless payment options, EDC BCA offers a more convenient transaction experience for customers while supporting business growth and operations.

For more information about the BCA EDC, please visit the EDC BCA product page.