QRIS Merchant Fee Is Now 0% for All Indonesian Merchants up to Rp100,000: Check Your Statement
Since 1 October 2026 Bank Indonesia has extended the 0% QRIS merchant fee to small, medium and large businesses for payments up to Rp100,000. Six weeks in, it is time to match your statement against the new rates.Since 1 October 2026, Bank Indonesia has extended the 0% merchant fee on QRIS, Indonesia's national QR payment standard, to small, medium and large businesses for transactions up to Rp100,000. Payments in that range used to carry 0.7%. Micro businesses keep 0% up to Rp500,000. ANTARA, the national news agency, reported the policy on 17 August 2026.
For a food stall, coffee shop, minimarket or corner store where most payments are under Rp100,000, this is a direct saving. And since the policy has been running for six weeks, your bank statement can now show whether the new QRIS merchant fee is really being applied.
The full rates
MDR, the merchant discount rate, is the fee a payment service provider charges the merchant on each transaction. According to ANTARA, the rates effective 1 October 2026 are as follows.
| Merchant category | Small transactions | Transactions above the limit |
|---|---|---|
| Micro business (UMI) | 0% up to Rp500,000 | 0.3% above Rp500,000 |
| Small (UKE), medium (UME), large (UBE) | 0% up to Rp100,000, previously 0.7% | 0.7% above Rp100,000 |
| Education merchants | 0% up to Rp100,000 | 0.6% above Rp100,000 |
| Fuel stations (SPBU) | 0% up to Rp100,000 | 0.4% above Rp100,000 |
On 1 October 2026 the business daily Kontan reported one example of implementation: state lender BTN adjusted its QRIS merchant fees from that date and announced it on its official site.
One thing has not changed, also from ANTARA: the fee is borne entirely by the merchant and may not be passed on to consumers.
Why merchant category matters
Look at the table. The 0% limit for micro businesses is five times higher than for small businesses, and the rate above the limit is less than half. So the category recorded for your business has a real effect on deductions.
That category is set by the payment service provider when you register for QRIS. Many owners have never known which one they are in. The sources we read do not explain how to change a category, so this article does not promise that it can be changed. What you can do is ask.
Our advice:
- Contact your bank or QRIS provider and ask two things: the merchant category on record, and the fee applied since 1 October 2026.
- Ask for the answer in writing, by email or official message.
- If you think the recorded category does not describe your business, ask whether there is a review procedure and which documents it needs.
- If you hold more than one QRIS code from different providers, ask each one. The categories may not be the same.
How to match deductions on your statement
There is no need to check every transaction. Take a sample.
- Download the QRIS transaction report and the bank statement for one week in September and one week in November 2026.
- From each week, pick ten transactions under Rp100,000 and five above.
- For each, compare what the buyer paid with what reached the account. The difference is the deduction.
- Divide the deduction by the transaction value.
What you should see, if you are in the small, medium or large category:
- September week: transactions under Rp100,000 carry a 0.7% deduction.
- November week: transactions under Rp100,000 carry none.
- Both weeks: transactions above Rp100,000 carry 0.7%.
If you are a micro merchant, transactions up to Rp500,000 should carry no deduction in either week.
One technical point: some providers settle funds as a daily lump sum, not per transaction. In that case match the daily settlement total with that day's transaction total from the QRIS report, then work out what should have been deducted based only on transactions above the limit.
If the result does not fit, do not jump to the conclusion that there is an error. Note the date, value and reference number of the odd transactions and ask the provider with that data. There may be a charge other than MDR, or your category may differ from what you assumed.
Working out the saving
This is an illustration with made-up numbers, not data from any business. Suppose a cafe takes Rp30 million a month through QRIS, all from transactions under Rp100,000. At 0.7% the deduction is Rp210,000 a month. At 0% that deduction disappears. Over a year the difference is Rp2,520,000.
For your business the formula is: total QRIS transactions up to Rp100,000 in a month, multiplied by 0.7%. The figure may not be large, but it is money returned without any effort from you, and worth confirming that it really is returned.
Questions that come up at the till
May I add a charge for buyers who pay by QRIS? No. According to ANTARA the fee may not be passed to consumers. If a sign at your till still says QRIS costs extra, now is the time to take it down, all the more since the deduction on small payments is already zero.
May I refuse QRIS for small payments? The sources do not address this. But the reason often given in the past, that the deduction eats the margin on cheap items, no longer holds for payments up to Rp100,000.
Should I split a large payment into several small ones? We do not recommend it. It inconveniences the buyer, muddles your records, and the sources do not explain how providers treat that pattern.
What to do this week
- Ask your QRIS provider for your merchant category and the applicable fee.
- Match sample transactions from September and November.
- Remove any QRIS surcharge at the till.
- Record MDR deductions as their own expense line in the books, so fee changes show up month to month.
- Tell your cashiers that small QRIS payments now carry no deduction, so there is no reason to steer buyers to another payment method.
If you use Polynusa, its bookkeeping records invoices and payments, so QRIS receipts and their deductions can be matched against daily sales.
Sources
- ANTARA News, 17 August 2026: Bank Indonesia widens 0 percent QRIS merchant fee policy for small businesses
- Kontan, 1 October 2026: 0% QRIS merchant fee policy takes effect 1 October 2026, BTN adjusts merchant rates
FAQ
What is the QRIS merchant fee for small businesses now?
According to ANTARA, small, medium and large businesses pay 0% on transactions up to Rp100,000 and 0.7% above Rp100,000, effective 1 October 2026.
Can a merchant pass the QRIS fee to the buyer?
No. The fee is charged by the payment service provider to the merchant, is borne entirely by the merchant and may not be passed to consumers.
Who decides my merchant category?
The payment service provider sets it at registration. Ask the bank or QRIS provider you use which category you are in.