Introduction to Static QRIS

December 15, 2022 10:04

Quick Response Code Indonesian Standard or commonly abbreviated as QRIS (read KRIS) is the unification of various QR types from various Payment System Service Providers (PJSP) using QR codes. QRIS was developed by the payment system industry together with Bank Indonesia so that the transaction process with QR codes can be easier, faster, and secure.

Merchants only need to create an account with one of the QRIS providers that are licensed by BI ↗, one of which is Midtrans ↗.

Furthermore, merchants can accept payments from customers using QR from any application. What are you waiting for? let's register and use QRIS!​​​

 

Content List

1. What is the difference between static QRIS and dynamic QRIS?
2. For what purpose do merchants use static QRIS?
3. How to receive payments using static QRIS
4. How to activate static QRIS for GoPay
5. Does the merchant need a different account (MID) for static GoPay activation if the dynamic GoPay is already active?
6. How merchants get a static QR code
7. What should the merchant do after the file is sent?
8. How to check static QRIS transactions
9. How to withdraw Static QRIS funds
10. Is static QRIS already available on Payment Link?
11. Can a static QRIS be created through the API?
12. The transaction is successful but it's not reflected on the Midtrans dashboard
13. What if you have registered for QRIS at a provider other than Midtrans?

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1. What is the difference between static QRIS and dynamic QRIS?

Static QRIS	Dynamic QRIS
QR code for static QRIS will always be the same, merchants only need 1 QR code for every transaction.	The QR code for dynamic QRIS will always be different for each transaction.
The payment amount in static QRIS is not determined in advance by the merchant, the customer can input the nominal after scanning the QR code.	The payment amount in dynamic QRIS is determined in advance by the merchant and cannot be changed by your customer.
Order ID for static QRIS transactions is determined by the system, with the format QRIS-xxx.	Order ID for dynamic QRIS transactions can be determined by the merchant freely.
Transactions will be formed for static QRIS after payment is made.	Transactions will be formed for dynamic QRIS before payment is made.
Refunds for static QRIS are currently not available.	Refunds for dynamic QRIS can be made via the dashboard and API.

 

An example of a static QRIS that can be displayed in your offline store.
The QR code will always be the same for every transaction.

Source: qris.id

 

An example of a dynamic QRIS. The QR code will always be different for each transaction.

 

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2. For what purpose do merchants use static QRIS?

In general, static QRIS can be used for:

• The need to accept payments via QRIS without an EDC/POS machine in offline stores or bazaars where a very fast payment flow is required.
• Accepting donations/open amount transactions, the QRIS code can be displayed by merchants on the website or social media.
• Payment of transactions via social media/chat app, as an alternative to Payment Link.
• Payments for transactions whose amount is unknown before the end of the transaction/may change, such as down payments, service payments, or others.

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3. How to receive payments using static QRIS

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4. How to activate static QRIS for GoPay

By registering for GoPay products at Midtrans, merchants will get static QRIS products as well as dynamic QRIS.

Static QRIS will be received within 3-7 working days after completing the registration process ↗ and filling out the GoPay QRIS registration form ↗.

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5. Does the merchant need a different account (MID) for static GoPay activation if the dynamic GoPay is already active?

No need, merchants can use the same account (MID).

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6. How merchants get a static QR code

Midtrans will send a digital image file (a digital image of a static QR code) to the merchant's email and WhatsApp.

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7. What does the merchant need to do after the file is sent?

• Prints a static QRIS code to install in the shop/bazaar.
• Sharing digitally (for example, for transactions via WhatsApp, or can be posted on the website for open amount donations, social media, sent via newsletters, and others).

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8. How to check static QRIS transactions

You need to be a Midtrans merchant to be able to use Midtrans static QRIS.

Static QRIS transaction can be checked on the Midtrans dashboard (MAP) ↗. Please note that static QRIS transactions cannot be checked via GoBiz app/dashboard.

 

Follow these steps to check your transaction:

1. Login ↗ with your registered email.
2. Select the Transaction menu.
   
   
   
   
3. You can find a list of successful transactions on this page.
   
   • A transaction with SETTLEMENT status means that the funds have been received from the customer, and can be withdrawn within 2 working days.
   • Transactions with FAILURE, DENY, CANCEL, EXPIRE status means the transaction failed and money was not received.

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9. How to withdraw static QRIS funds

Withdrawals can be made within 2 working days after payment from the customer is received (SETTLEMENT status).

There are 2 methods to be able to withdraw your funds, namely Manual Payout and Automatic Payout.

Please click here ↗ to find out how to withdraw your funds with the method you need.

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10. Is static QRIS already available on Payment Link?

Currently not available, merchants can simply use a digital image file (digital image of a static QR code) that Midtrans sends to the merchant's email and WhatsApp.

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11. Can a static QRIS be created via the API?

Currently not available, merchants can simply use a digital image file (digital image of a static QR code) that Midtrans sends to the merchant's email and WhatsApp.

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12. The transaction is successful but it's not reflected on the Midtrans dashboard

Have you ever registered for QRIS at a provider other than Midtrans?

If yes, then please check first at the provider whether the transaction exists or not.

If not, then please send the evidence below through this link ↗.

1. Proof of a successful transaction (a photo containing proof of transaction, merchant name and nominal) - Example of proof of transaction ↗.
2. Nominal transaction, payment using which e-wallet/bank and the transaction hours (if it's not in the screenshot. If it's in the screenshot, you can ignore point number 2).

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13. What if you have registered for QRIS at a provider other than Midtrans?

The current PTEN regulations require the concept of 1 QRIS for all, with priority on processing QRIS transactions on an on-us basis (same issuer-acquirer). Due to the 1 QRIS concept for all of these, if the KTP/Entity has previously been registered with PTEN for QRIS products outside Midtrans, then the static QRIS code provided by Midtrans will automatically apply to QRIS acquirers registered outside Midtrans.

This means that there is a possibility that certain transactions will go to another acquirer outside of the acquirer supported by Midtrans, even though this QRIS code is sent to you by Midtrans. In this case, please check with the acquirer whether the transaction exists or not.

 

Info 💡

Acquirer is a bank or non-bank institution whose function is to receive transaction funds from merchant banks (issuers).

Example: GoPay, ShopeePay, OVO, DANA, etc.

Issuer is a bank or non-bank institution whose function is to send transaction funds to acquirers.

Example: BCA, BNI, BRI, Mandiri, etc.

 

Notes 📝

Midtrans cannot see transactions processed by other acquirers. In this case, Midtrans acts as a distributor of the QRIS code generated by PTEN, but Midtrans does not have the right to regulate which acquirer will process the transaction.

If you want that all transactions are processed by Midtrans, you can submit a request to another provider to request termination of cooperation with other providers so that the provider is no longer registered with PTEN as your acquirer.