What is QRIS?
QRIS or Quick Response Code Indonesian Standard is a standardization of payments using the QR Code method from Bank Indonesia so that the transaction process using QR Codes becomes easier, faster and more secure.
Benefits of becoming a Nobu QRIS merchant
Universal
One QR Code can accept payments from various electronic money such as Nobuneo, OVO, GoPay, LinkAja and others
Easy
Transact easily and safely in one hand of your cellphone
Profit
Apart from the advantages of Nobu QRIS, a Savings/Current account with attractive interest, free admin & transfer fees, very low MDR (Merchant Discount Rate) fees
Direct
Funds from each transaction go directly into the account
Easy Requirements
To apply for QRIS at Nobu, the requirements are easy, for the individual category you only need to attach the business owner's KTP, selfie photo and photo of the business location.
Types of QRIS
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Merchant Presented Mode (MPM) Static
Payment method where the Merchant's QRIS will be scanned by consumers using Nobuneo or other payment applications. QRIS is printed on a cheap, easy and fast printed sticker or via the simple and practical Nobubiz application.
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Merchant Presented Mode (MPM) Dinamic
Payment method where the Merchant's QRIS will be scanned by consumers. QR is issued via a device such as an EDC machine or smartphone. The merchant must enter the payment amount first, then the customer scans the QRIS that appears or is printed.
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Customer Presented Mode (CPM)
Payment method where consumers generate QRIS via Nobuneo or other payment applications and then scan it with POS or Merchant Scanner
QRIS Transaction Fees
| No | Type of Business | MDR |
|---|---|---|
| Reguler Merchant | ||
| 1 | Micro Business | 0,3% |
| 2 | Small, Medium Enterprises, & Large | 0,7% |
| Special Merchant | ||
| 1 | Education | 0,6% |
| 2 | SPBU, Public Service Agency | 0,4% |
| 3 | Goverment to People (example: Social Assistance) | 0,0% |
| 4 | People To Goverment (contoh: Taxes and Social Donations) | 0,0% |
Terms & Conditions for Submitting QRIS
Individuals
- Photo of the original colored KTP of the business owner or original colored KTP photo of the power of attorney accompanied by a power of attorney
- Selfie photo of business owner with KTP
- Photo of the location of the business being run
- Completely signed cooperation agreement (PKS).
Business Entity
- Photo of the original colored KTP of the directors/managers of the company, and/or original colored KTP photo of the power of attorney from the management accompanied by a power of attorney
- Deed of establishment of PT/CV up to the latest amendments, along with ratification of the Decree of the Ministry of Law and Human Rights regarding the deed of establishment.
- Photocopy of Trading Business License (SIUP), Company Domicile Certificate (SKDP), Company Registration Certificate (TDP) or NIB (Business Permit Number) and valid NPWP.
- Photo of the location of the business being run.
- Completely signed cooperation agreement (PKS).
- Attach a complete MPAN registration form with appropriate data.
