QRIS adalah sebuah sistem pembayaran berbasis kode QR yang ditetapkan oleh Bank Indonesia. Saat konsumen melakukan pembayaran menggunakan QRIS di toko atau layanan tertentu, pedagang akan dikenakan biaya yang disebut Merchant Discount Rate (MDR).
Jadi apa itu biaya MDR pada QRIS?
MDR QRIS adalah biaya jasa yang dikenakan kepada merchant oleh Penyelenggara Jasa Pembayaran (PJP) saat bertransaksi menggunakan QRIS. Bank Indonesia (BI) sebagai regulator tidak mengambil bagian dari biaya Merchant Discount Rate (MDR) ini dan sepenuhnya diberikan kepada industri. Industri tersebut meliputi lembaga issuer, lembaga acquirer, lembaga switching, Asosiasi Sistem Pembayaran Indonesia (ASPI) dan Penyelesaian Transaksi Elektronik Nasional (PTEN).
MDR ditanggung siapa?
Perlu diingat, bahwa biaya MDR ini ditanggung oleh merchant dan tidak boleh dibebankan kepada konsumen. Besarnya biaya MDR ditetapkan oleh Bank Indonesia dan berlaku sesuai dengan kategori merchant dan nilai transaksi.
Panduan lengkap pembagian MDR QRIS bagi merchant
Berikut adalah Pembagian tarif MDR saat bertransaksi menggunakan QRIS. Kebijakan ini berlaku efektif secepat-cepatnya 1 September 2023 dan selambat-lambatnya 30 November 2023
Jenis Merchant | Kategori | Tarif MDR (%) | Simulasi | Tarif MDR |
| Nilai Transaksi | ||||
| Reguler | Usaha Mikro (UMI) | 0% (< Rp100.00)0.3% (>Rp100.000) | Rp200.000 | Rp600 |
| Usaha Kecil (UKE)Usaha Menengah (UME)Usaha Besar (UBE) | 0.7% | Rp1.400 | ||
| Khusus | Layanan Pendidikan | 0.6% | Rp1.200 | |
| SPBU, BLU dan PSO | 0.4% | Rp800 | ||
| Government to People (G2P), People to Government (P2G) | 0% | Rp0 |
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