# Indonesia QRIS adoption expands > Live situation record from CLSTR: https://clstr.news/situations/indonesia-qris-adoption-expands > Updated: 2026-09-17T08:03:13.000Z. Sources: 57. Developments: 9. Bank Indonesia continues to report rapid growth in the QRIS cashless system. By July 2026, cumulative transactions reached 15 billion, with the ecosystem serving 67 million users and 45 million merchants, primarily within the MSME sector. The platform is supported by 96 banks, 60 non-bank institutions, and four switching companies. To drive adoption and financial inclusion, Bank Indonesia announced an expansion of the 0 percent Merchant Discount Rate (MDR) effective 1 October 2026. This policy will apply to all merchant categories for transactions up to 100,000 IDR, while micro-enterprises (UMI) will benefit from a 0 percent MDR for transactions up to 500,000 IDR. Digital transaction volumes in Indonesia reached 5.50 billion in July 2026, representing a 28.69% year-on-year increase. Currently, approximately 96.69% of the 45.46 million QRIS merchants are classified as MSMEs. QRIS has also expanded internationally through cross-border connectivity with Singapore, Malaysia, Thailand, Japan, South Korea, and China. Inbound transactions from foreign tourists using QRIS in Indonesia reached Rp5.9 trillion, totaling approximately 19.76 million transactions. Private sector players are scaling efforts to support these national initiatives. ShopeePay is collaborating with Bank Indonesia to promote QRIS adoption among users and MSMEs, offering cashback of up to Rp100,000 on qualifying transactions. ShopeePay has also expanded its QRIS cross-border payment services to include Thailand, Malaysia, Singapore, Japan, South Korea, and China. ShopeePay Indonesia President Director Eka Nilam Dari stated this expansion aims to provide convenience for travelers by allowing payments without carrying large amounts of cash. Regional adoption remains strong. In Lampung province, QRIS adoption reached 889,000 merchants with transaction volumes totaling Rp1.87 trillion as of April 2026. Coinciding with these efforts, Bank Indonesia and the Indonesian Payment System Association (ASPI) launched the Kartu Kredit Indonesia (KKI) for the retail segment. ## Claims - Bank Indonesia and the Indonesian Payment System Association (ASPI) launched the Indonesian Credit Card (KKI) for the retail segment. (corroborated by 6 sources) - Bank Indonesia expanded the 0% Merchant Discount Rate (MDR) for QRIS transactions up to Rp100,000 to all merchant categories. (corroborated by 3 sources) - The expanded 0% MDR QRIS policy is set to take effect on October 1, 2026. (corroborated by 3 sources) - The Indonesian Credit Card (KKI) is available in both digital and physical formats. (corroborated by 3 sources) - Micro enterprises (UMI) will maintain a 0% MDR for QRIS transactions up to Rp500,000. (corroborated by 2 sources) - Seven banks—BCA, Mandiri, BNI, BRI, CIMB Niaga, Permata, and Bank Mega—along with BSI, have been appointed as the initial issuers of the KKI. (corroborated by 2 sources) ## Timeline ### 2026-09-17: ShopeePay promotes QRIS adoption in Indonesia through cashback offers ShopeePay is driving QRIS adoption in Indonesia through cashback incentives, supporting Bank Indonesia’s efforts to integrate digital payments within the MSME sector. 6 sources. https://clstr.news/cluster/shopeepay-expands-qris-services-and-cross-border-payments ### 2026-09-05: QRIS digital payments reach 15 billion transactions in Indonesia Indonesia's QRIS digital payment system reached 15 billion cumulative transactions by July 2026, with 67 million users and cross-border connectivity across six countries including Singapore and China. 2 sources. https://clstr.news/cluster/qris-digital-payments-reach-15-billion-transactions-in-indonesia ### 2026-08-29: QRIS digital payment adoption grows in Indonesia QRIS digital payment adoption is growing in Indonesia, reaching 1.08 million users in West Sumatra and showing potential for religious philanthropy in Aceh based on perceived security and ease of use. 2 sources. https://clstr.news/cluster/qris-digital-payment-adoption-grows-in-indonesia ### 2026-08-17: Bank Indonesia launches Indonesian Credit Card and expands QRIS 0% MDR Bank Indonesia and ASPI launched the Indonesian Credit Card (KKI) for retail use. Additionally, a 0% MDR for QRIS transactions up to Rp100,000 will apply to all merchants starting October 1, 2026. 51 sources. https://clstr.news/cluster/bank-indonesia-expands-0-percent-qris-mdr-and-implements-kki ### 2026-08-07: Bank Indonesia reports QRIS transaction value reaches Rp600.69 trillion Bank Indonesia reports QRIS transactions hit 12.55 billion and value Rp600.69 trillion in H1 2026, with 66 million users and 44.86 million merchants, underscoring rapid cash‑less adoption. 2 sources. https://clstr.news/cluster/bank-indonesia-reports-qris-transaction-value-reaches-rp60069-trillion ### 2026-08-03: Indonesia expands QRIS digital payments for gaming and property tax Indonesia's QRIS system now powers instant game top‑ups via platforms like Gamezi and enables digital payment of Jakarta's PBB‑P2 property tax with a 5 % early‑payment discount. 2 sources. https://clstr.news/cluster/indonesia-expands-qris-digital-payments-for-gaming-and-property-tax ### 2026-08-02: Bank Indonesia drives QRIS adoption and UMKM financing in Sulawesi Bank Indonesia’s QRIS push in Sulawesi secured IDR 18.27 bn UMKM financing, over IDR 1.35 bn in sales, and clarified no consumer fees, boosting digital payments and credit access. 2 sources. https://clstr.news/cluster/bank-indonesia-drives-qris-adoption-and-umkm-financing-in-sulawesi ### 2026-07-29: Bank Indonesia boosts digital payment adoption for UMKM in Sulawesi and East Java Bank Indonesia’s regional offices reported rapid digital‑payment growth, with a creative‑sector market in Makassar and a 166% QRIS surge in Malang, positioning QRIS as a “golden bridge” for UMKM. 2 sources. https://clstr.news/cluster/bank-indonesia-boosts-digital-payment-adoption-for-umkm-in-sulawesi-and-east-java ### 2026-07-21: Indonesia's QRIS usage rises, 65% of North Kalimantan public sector now digital Bank Indonesia says 65% of North Kalimantan’s public sector now uses QRIS; nationwide QRIS has 63 million users and is set to reach 17 billion transactions by 2026. 2 sources. https://clstr.news/cluster/indonesias-qris-usage-rises-65-of-north-kalimantan-public-sector-now-digital --- Cite as: Indonesia QRIS adoption expands. CLSTR, https://clstr.news/situations/indonesia-qris-adoption-expands