Bank Indonesia Clarifies QRIS Administrative Fees Policy

Zero MDR for Micro Businesses

Bank Indonesia has reaffirmed that the Merchant Discount Rate (MDR) for QRIS transactions remains 0% for micro businesses (UMI) when transaction values are below Rp500,000. This policy decision underscores BI's commitment to supporting small enterprises through digital payment systems. The 0% MDR effectively eliminates transaction costs for micro merchants, encouraging broader adoption of QRIS.

Transaction Threshold and MDR Application

The zero MDR rate specifically applies to transactions up to Rp500,000. This threshold is designed to benefit micro businesses by minimizing their payment processing expenses. For transactions exceeding this amount, standard MDR rates will apply. The clear threshold provides certainty for merchants regarding their transaction costs.

Impact on Digital Payments

The QRIS system has become a significant innovation in Indonesia's payment landscape. By maintaining zero MDR for micro businesses under the specified threshold, BI continues to promote the adoption of digital payments among small merchants. This policy supports the growth of the digital economy while reducing the financial burden on small enterprises.

Regulatory Support for Micro Enterprises

BI's decision to maintain the 0% MDR for eligible micro business transactions demonstrates the central bank's proactive approach to supporting small businesses. The policy not only reduces operational costs but also encourages the formalization of micro enterprises through digital payment systems.