{"id":71203,"date":"2026-05-08T20:04:00","date_gmt":"2026-05-08T13:04:00","guid":{"rendered":"https:\/\/faspay.co.id\/?p=71203"},"modified":"2026-05-09T14:41:03","modified_gmt":"2026-05-09T07:41:03","slug":"how-qris-works","status":"publish","type":"post","link":"https:\/\/faspay.co.id\/en\/blog\/how-qris-works\/","title":{"rendered":"How QRIS Works to Make Check Out Easier"},"content":{"rendered":"\n\n\t<p>Faspay Blog<\/p>\n<p>Find out about online business tips, payment technology, digital marketing, and everything you need to know about Faspay.<\/p>\n\t<a property=\"item\" typeof=\"WebPage\" title=\"Go to Faspay.\" href=\"https:\/\/faspay.co.id\/en\/\">Faspay<\/a><meta property=\"position\" content=\"1\"\/> &gt; Private: How QRIS Works to Make Check ut Easier<meta property=\"url\" content=\"https:\/\/faspay.co.id\/en\/blog\/how-qris-works\/\"\/><meta property=\"position\" content=\"2\"\/><h1><span class=\"ez-toc-section\" id=\"How_QRIS_Works_to_Make_Check_Out_Easier\"><\/span>\n\t\t\tHow QRIS Works to Make Check Out Easier\t<span class=\"ez-toc-section-end\"><\/span><\/h1><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/faspay.co.id\/en\/blog\/how-qris-works\/#How_QRIS_Works_to_Make_Check_Out_Easier\" >How QRIS Works to Make Check Out Easier<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/faspay.co.id\/en\/blog\/how-qris-works\/#How_QRIS_Works_in_The_Check_Out_Process\" >How QRIS Works in The Check Out Process<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/faspay.co.id\/en\/blog\/how-qris-works\/#Summary_How_QRIS_Works_Tips_to_Optimize_QRIS_Payments\" >Summary How QRIS Works &#038; Tips to Optimize QRIS Payments<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\t\t\t\t\t\t\t\t<a href=\"mailto:?body=https:\/\/faspay.co.id\/en\/?p=71203&#038;fl_builder\">\n\t\t\t\t\t\t\t\t\t\t\t\tShare on Email\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.facebook.com\/sharer.php?u=https:\/\/faspay.co.id\/en\/?p=71203&#038;fl_builder&#038;title=Private%3A+How+QRIS+Works+to+Make+Check+ut+Easier\">\n\t\t\t\t\t\t\t\t\t\t\t\tShare on Facebook\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/faspay.co.id\/en\/?p=71203&#038;fl_builder&#038;text=Private%3A+How+QRIS+Works+to+Make+Check+ut+Easier\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i>\ud835\udd4f<\/i>\n\t\t\t\t\t\t\t\t\t\t\t\tShare on X\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/api.whatsapp.com\/send?text=https:\/\/faspay.co.id\/en\/?p=71203&#038;fl_builder\">\n\t\t\t\t\t\t\t\t\t\t\t\tShare on WhatsApp\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/eg9mp7d8pz2.exactdn.com\/wp-content\/uploads\/2026\/04\/THUMBNAIL-8-May-2026-04.png?strip=all&lossy=1&webp=85&resize=1920%2C1280&ssl=1\" alt=\"how-qris-works\" itemprop=\"image\" height=\"1280\" width=\"1920\" title=\"how-qris-works\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\tHow QRIS works and why are more businesses adopting it for digital transactions?\nAs a standardized QR payment system developed by Bank Indonesia, QRIS (Quick Response Code Indonesian Standard) allows customers to complete cashless transactions quickly using various mobile banking and e-wallet applications without requiring multiple payment systems.\nExplore this article to learn how QRIS works, understand the different QRIS transaction methods, and discover practical strategies businesses can use to optimize digital payments using QRIS!\n<strong>Also Read: <a href=\"https:\/\/faspay.co.id\/en\/blog\/how-a-payment-gateway-works\/\" target=\"_blank\" rel=\"noreferrer noopener\">How a Payment Gateway Works Behind Every Online Transaction<\/a><\/strong>\n<h2><span class=\"ez-toc-section\" id=\"How_QRIS_Works_in_The_Check_Out_Process\"><\/span>\n\t\t\tHow QRIS Works in The Check Out Process \t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p>To better understand\u202f<b>how QRIS works<\/b>, it is important to know that QRIS has two main transaction methods:\u202f<b>Merchant Presented Mode (MPM)<\/b>\u202fand\u202f<b>Customer Presented Mode (CPM)<\/b>. <\/p>\n<p>Both methods help create a fast, secure, and practical digital payment experience for businesses and customers.<\/p>\n<h3>\n\t\t\tA. Merchant Presented Mode (MPM) \t<\/h3>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/eg9mp7d8pz2.exactdn.com\/wp-content\/uploads\/2026\/05\/how-qris-works-merchant-presented-mode.jpg?strip=all&lossy=1&webp=85&resize=1920%2C1281&ssl=1\" alt=\"how-qris-works-merchant-presented-mode\" itemprop=\"image\" height=\"1281\" width=\"1920\" title=\"how qris works merchant presented mode\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t<p>In the\u202f<b>Merchant Presented Mode (MPM)<\/b>\u202fmethod, merchants display a QRIS code that customers scan using their digital payment applications.\u00a0<\/p>\n<h4><b>1. Merchants Display the QRIS Code\u00a0<\/b><\/h4>\n<p>Merchants provide a QRIS code at the cashier or checkout page. In\u202fhow QRIS works\u202fthrough MPM, one QR code can be used across multiple digital payment applications such as mobile banking apps, e-wallets, and other payment platforms. <\/p>\n<h4><b>2. Customers Scan the QR Code\u00a0<\/b><\/h4>\n<p>Customers open a QRIS-supported payment application, such as mobile banking or an e-wallet, and select the QR scan feature to scan the available QRIS code. <\/p>\n<p>Once detected, the merchant&#8217;s name appears in the payment application. This scanning process is a key part of\u202fhow QRIS works\u202fbecause it allows transactions to happen more quickly.\u00a0<\/p>\n<h4><b>3. Payment Amount Input and Confirmation\u00a0<\/b><\/h4>\n<p>Customers enter the payment amount, or the amount appears automatically if the merchant uses dynamic QRIS. Customers then confirm the payment using a PIN or biometric authentication. <\/p>\n<p>In\u202fhow QRIS works, this confirmation process helps ensure secure and valid transactions.\u00a0<\/p>\n<h4><b>4. The System Processes the Transaction\u00a0<\/b><\/h4>\n<p>Payment data is sent to the customer&#8217;s Payment Service Provider (PSP) to verify account balance and process the transaction.<\/p>\n<p> In\u202fhow QRIS works, the customer&#8217;s PSP then communicates with the merchant&#8217;s PSP so the transaction can be processed in real time efficiently.\u00a0<\/p>\n<h4><b>5. Transaction Notification and Settlement\u00a0<\/b><\/h4>\n<p>If the transaction is successful, both merchants and customers receive payment notifications. Transaction funds are then transferred to the merchant&#8217;s account according to the settlement process.<\/p>\n<h3>\n\t\t\tB. Customer Presented Mode (CPM) \t<\/h3>\n\t<p>Besides MPM, QRIS also supports\u202f<b>Customer Presented Mode (CPM)<\/b>.<\/p>\n<p> In this method, customers display a QR code from their payment application for merchants to scan. This type of\u202f QRIS\u202fis commonly used at toll gates, parking systems, vending machines, and self-service checkouts.\u00a0<\/p>\n<h4><b>1. Customers Display Their QR Code\u00a0<\/b><\/h4>\n<p>Customers open their digital payment application and select the feature to display their personal QR code. <\/p>\n<p>In\u202f<b>how QRIS works<\/b>\u202fthrough CPM, the customer becomes the party showing the QR code to the merchant.\u00a0<\/p>\n<h4><b>2. Merchants Scan the Customer&#8217;s QR Code\u00a0<\/b><\/h4>\n<p>Merchants or payment systems use scanning devices such as EDC machines or QRIS scanners to scan the QR code displayed by customers. <\/p>\n<p>This process helps\u202f<b>how QRIS works<\/b>\u202fmore efficiently in high-mobility transaction areas.\u00a0<\/p>\n<h4><b>3. Payment Confirmation and Processing\u00a0<\/b><\/h4>\n<p>Merchants enter the payment amount if it does not appear automatically. The merchant&#8217;s system then sends transaction data to the merchant&#8217;s PSP, which communicates with the customer&#8217;s PSP for payment authorization.<\/p>\n<p> In\u202f<b>how QRIS works<\/b>, this process is completed automatically and in real time.\u00a0<\/p>\n<h4><b>4. Notification and Settlement\u00a0<\/b><\/h4>\n<p>After the transaction is successful, both customers and merchants receive payment notifications. Funds are processed and transferred to the merchant&#8217;s account.\u00a0<\/p>\n<h3>\n\t\t\tHow QRIS Works: 5 Tips to Optimize QRIS Payments For Your Business\t<\/h3>\n\t<p>Understanding\u202fhow QRIS works\u202falone is not enough. Businesses also need to\u00a0optimize its implementation to maximize checkout performance and support transaction growth.\u00a0<\/p>\n<p>Here&#8217;s 5 practical tips to optimize QRIS payments for your business:<\/p>\n<h4>\u00a01. <b>Place QRIS in Easily Accessible Areas<\/b><\/h4>\n<p>Make sure QRIS codes are clearly visible to customers so payments can be completed faster.\u00a0<\/p>\n<h4><strong>\u00a02. Integrate with a Payment Gateway<\/strong><\/h4>\n<p>Connecting QRIS with a payment gateway helps businesses manage transactions more efficiently through an integrated system. This integration makes\u202fhow QRIS works\u202fmore effective in supporting business digital payments.<\/p>\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/faspay.co.id\/en\/blog\/role-payment-gateway-in-business\/\"><strong>The Role of Payment Gateway in Business<\/strong><\/a><\/p>\n<h4><strong>3. Use a Simple Checkout Interface<\/strong><\/h4>\n<p>The simpler the payment interface, the greater the chances customers will complete transactions.<\/p>\n<h4><strong>\u00a04. Educate Customers About QRIS Usage<\/strong><\/h4>\n<p>The more customers understand\u202fhow QRIS works, the higher the potential adoption of digital payments.<\/p>\n<p>Simple education about\u202fhow QRIS works\u202fcan also make customers feel more comfortable when paying with QRIS.<\/p>\n<h4><strong>\u00a05. Monitor and Analyze Transactions Regularly\u00a0<\/strong><\/h4>\n<p>Use transaction data to understand customer behavior and continuously improve the\u202fQRIS implementation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Summary_How_QRIS_Works_Tips_to_Optimize_QRIS_Payments\"><\/span>\n\t\t\tSummary: How QRIS Works &#038; Tips to Optimize QRIS Payments\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\tUnderstanding how QRIS works is important for businesses to better adapt to Indonesia&#8217;s growing digital payment ecosystem.\nTo maximize QRIS implementation more effectively, businesses can integrate QRIS with a<strong> reliable payment gateway system<\/strong> to centralize payment management, streamline transaction monitoring, and create a more integrated digital payment experience across multiple sales channels.\n<p><strong>Ready to grow your business? <a href=\"https:\/\/faspay.co.id\/id\/daftar\/\" target=\"_blank\" rel=\"noopener\">Register<\/a> now at <a href=\"https:\/\/faspay.co.id\/id\/\" target=\"_blank\" rel=\"noopener\">Faspay<\/a><\/strong> and get the best Payment Gateway solution that is secure, fast, and reliable for your business!<\/p>\n\t\t\t<a href=\"https:\/\/faspay.co.id\/id\/daftar\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tRegister Now\n\t\t\t\t\t<\/a>\n<h3>\n\t\t\tLihat Artikel Lainnya\t<\/h3>\n\n","protected":false},"excerpt":{"rendered":"<p>Discover how QRIS works and explore smart strategies to optimize QRIS payments, improve transaction efficiency, and unlock more revenue opportunities for your business.<\/p>\n","protected":false},"author":37,"featured_media":71199,"comment_status":"closed","ping_status":"open","sticky":false,"template":"tpl-full-width.php","format":"standard","meta":{"footnotes":""},"categories":[410,538,592],"tags":[24,667,665],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/posts\/71203\/"}],"collection":[{"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/posts\/"}],"about":[{"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/types\/post\/"}],"author":[{"embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/users\/37\/"}],"replies":[{"embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/comments\/?post=71203"}],"version-history":[{"count":4,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/posts\/71203\/revisions\/"}],"predecessor-version":[{"id":71211,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/posts\/71203\/revisions\/71211\/"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/media\/71199\/"}],"wp:attachment":[{"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/media\/?parent=71203"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/categories\/?post=71203"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/tags\/?post=71203"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}