> For the complete documentation index, see [llms.txt](https://docs.doku.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.doku.com/get-started/manage-business/manage-payment-methods/qris.md).

# QRIS

Accept payments through the various payment apps and mobile banking apps that support QRIS.

## Overview

QRIS lets your customers pay by scanning a QR code with any payment app or mobile banking app that supports QRIS. 

{% hint style="success" icon="circle-info" %}
**QRIS needs to be activated before you can use it.**

Activate QRIS through the DOKU Dashboard. Your application is then verified, so make sure your Brand Short Name and Merchant Category Code (MCC) match your business.
{% endhint %}

### QRIS Payment Flow

<div align="center"><figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FAqnV2B6l7gdZLNmT3KBp%2Fqris-payment-flow.png?alt=media&amp;token=54d845ca-360b-4d26-9302-9a4c9435dfd2" alt="" width="563"><figcaption></figcaption></figure></div>

### Activate QRIS in 3 Steps

1. [Get Your Account Ready](#step-1-get-your-account-ready)
2. [Prepare your Brand Short Name and MCC](#step-2-prepare-your-brand-short-name-and-mcc)
3. [Activate in DOKU Dashboard](#step-3-activate-in-doku-dashboard)

## Activation

### Step 1: Get Your Account Ready

QRIS is available for all DOKU merchants. Before activating, make sure:

* Your DOKU account is registered and verified.
* Your business data is complete.
* The required documents have been successfully verified.
* You know the main type or category of business you operate.

Both individual merchants and registered business entities can use QRIS. The required document depends on your merchant type.

<table><thead><tr><th width="491.96484375">Merchant Type</th><th>Required Document</th></tr></thead><tbody><tr><td>Individual (personal account, such as a home business or online seller)</td><td>KTP (national ID card)</td></tr><tr><td>Business entity (PT, CV, or other registered company)</td><td>Company NPWP (tax ID)</td></tr></tbody></table>

### Step 2: Prepare your Brand Short Name and MCC

During activation, you will fill in two fields: **Brand Short Name** and **Merchant Category Code (MCC)**. These are the most common reasons QRIS applications are reviewed further or rejected, so decide on them before you start.

#### Brand Short Name

A short version of your brand or business name that customers see on their payment screen. Include **your brand and your type of business**, so customers and reviewers can understand what you sell.&#x20;

The name customers see on their payment screen, and the name reviewers use to verify your business.

* **Use your full business name. Do not abbreviate.**
* **Include your type of business**, matching your MCC.
* **Write the type of business in Bahasa Indonesia** (for example *pakaian*, *kopi*, *salon*). Common terms such as *Photobooth* and *Software* can stay in English.

{% hint style="info" %}
**Format: Your brand + Type of business**

Example: `Snapman` + `Photobooth` = `Snapman Photobooth`
{% endhint %}

<table><thead><tr><th width="220.15234375">Less informative ❌</th><th>More informative  ✅</th></tr></thead><tbody><tr><td><code>Snapman</code></td><td><code>Snapman Photobooth</code> or <code>Snapman Photo Studio</code></td></tr><tr><td><code>Maju Jaya</code></td><td><code>Toko Baju Maju Jaya</code></td></tr><tr><td><code>Nusa</code></td><td><code>Nusa Software</code></td></tr></tbody></table>

#### Merchant Category Code (MCC)

An MCC is a code that categorizes your business based on its activity.&#x20;

Choose the MCC that matches your business's **main activity**, not a specific product you sell. For example, a salon that also sells hair products should choose the salon category, not a retail category.

<details>

<summary><strong>See example MCCs by business type</strong></summary>

<table data-search="true"><thead><tr><th>Business Type</th><th width="222.46875">Example MCC</th><th>Example Brand Short Name</th></tr></thead><tbody><tr><td>Restaurant</td><td>5812</td><td>Dapur Nusantara Restaurant</td></tr><tr><td>Fast Food</td><td>5814</td><td>Ayam Crispy Express</td></tr><tr><td>Catering</td><td>5811</td><td>Dapur Ibu Catering</td></tr><tr><td>Bakery</td><td>5462</td><td>Roti Manis Bakery</td></tr><tr><td>Supermarket</td><td>5411</td><td>Sejahtera Supermarket</td></tr><tr><td>Grocery Store</td><td>5499</td><td>Toko Maju Jaya</td></tr><tr><td>Clothing Store</td><td>5651</td><td>Raka Fashion Store</td></tr><tr><td>Shoe Store</td><td>5661</td><td>StepUp Shoes</td></tr><tr><td>Electronics Store</td><td>5732</td><td>Sinar Elektronik</td></tr><tr><td>Computer Store</td><td>5045</td><td>Prima Computer</td></tr><tr><td>Bookstore</td><td>5942</td><td>Cerdas Bookstore</td></tr><tr><td>Pharmacy</td><td>5912</td><td>Sehat Sentosa Pharmacy</td></tr><tr><td>Doctor</td><td>8011</td><td>Klinik Dokter Sehat</td></tr><tr><td>Dentist</td><td>8021</td><td>Senyum Dental Care</td></tr><tr><td>Hospital</td><td>8062</td><td>Rumah Sakit Sehat</td></tr><tr><td>Hotel</td><td>7011</td><td>Hotel Nusantara Jakarta</td></tr><tr><td>Salon / Hair Studio</td><td>7230</td><td>Ricky Hair Studio</td></tr><tr><td>Photography Studio</td><td>7221</td><td>Komorebi Photo Studio</td></tr><tr><td>Vehicle Repair Shop</td><td>7538</td><td>Maju Jaya Motor Service</td></tr><tr><td>Household Goods Store</td><td>5712</td><td>Rumah Kita Home Store</td></tr></tbody></table>

</details>

Can't find your business? See the full list in [QRIS MCC Reference](/get-started/manage-business/manage-payment-methods/qris/qris-mcc-reference.md).

{% hint style="success" icon="circle-info" %}
The MCCs above are examples for reference. The MCC available when you submit may follow the classification and verification results that apply
{% endhint %}

### Step 3: Activate in DOKU Dashboard

1. Log in to your [DOKU Dashboard](https://dashboard.doku.com).
2. Select **Settings > Account > Service.**
3. Click **ADD SERVICE** button.

<div align="left"><figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2Fs7PaYCwEPd5cVXW4f4UZ%2Fqris-step3-1-add-service%20(1).png?alt=media&amp;token=d9e8f59f-0e34-4d54-9cc5-591c78d36fcb" alt="" width="563"><figcaption></figcaption></figure></div>

4. Select **QRIS** under QR Payment section.

<div align="left"><figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2Fwd8FM05Nr763gzYSMGVC%2Fqris-step3-2-select-qris%20(1).png?alt=media&amp;token=4a6aad1e-b0d5-47f7-96b6-37f87510ef49" alt="" width="375"><figcaption></figcaption></figure></div>

4. Click **ACTIVATE** button.
5. Fill in the **Brand Short Name** and **MCC** you prepared, then click **ACTIVATE** again.

<div align="left"><figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FYawGu1D0DD2MIn1CVG3o%2Fqris-step3-3-fill-details.png?alt=media&amp;token=7ac977ed-e049-4e37-bd9a-00c01056f4c7" alt="" width="375"><figcaption></figcaption></figure></div>

After you click **ACTIVATE**, DOKU reviews your application to confirm that your Brand Short Name and MCC match your business activity.

### Application Status

After you click **ACTIVATE**, your application is reviewed in two stages:

<figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FMadCskHe6ILSh3njHUye%2Fqris-application-status.png?alt=media&amp;token=2aeb5de3-2eb8-4860-9d32-1cce464cfa77" alt="" width="563"><figcaption></figcaption></figure>

<table><thead><tr><th width="181.828125">Status</th><th>What it means</th><th>What to do</th></tr></thead><tbody><tr><td><strong>Approved by DOKU</strong></td><td>DOKU has approved your application and sent it to PTEN. You'll receive an email.</td><td>Wait for PTEN's approval.</td></tr><tr><td><strong>Approved by PTEN</strong></td><td>QRIS is active and ready to use. <strong>No email is sent for this step.</strong></td><td>Check the QRIS status in <strong>Settings</strong> > <strong>Account</strong> > <strong>Service</strong>. Then you can view your static QRIS.</td></tr><tr><td><strong>Rejected</strong></td><td>Your application was not approved, and QRIS no longer appears in your service list.</td><td>Check the <a href="#common-qris-activation-mistakes">common reasons for rejection</a>, fix the issue, and apply again.</td></tr><tr><td><strong>Failed</strong></td><td>Your application could not be processed.</td><td>Contact our Customer Support team at <a href="mailto:care@doku.com">care@doku.com</a>.</td></tr></tbody></table>

### Common QRIS Activation Mistakes

Below are some mistakes that can cause a submission to require further review or be rejected.

<table><thead><tr><th width="225.24609375">Mistake</th><th>Example</th><th>✅ What To Do Instead</th></tr></thead><tbody><tr><td>Brand name is too generic</td><td><mark style="background-color:red;">Maju Jaya</mark> does not show what type of business it is.</td><td>Add your type of business, such as Toko <mark style="background-color:green;">Toko Baju Maju Jaya.</mark></td></tr><tr><td>Brand Short Name uses only the brand</td><td><mark style="background-color:red;">Komorebi</mark> does not show that the business is a photobooth.</td><td>Add your type of business, such as <mark style="background-color:green;">Komorebi Photobooth.</mark></td></tr><tr><td>Business name is abbreviated</td><td><mark style="background-color:red;">Toko MJ</mark> cannot be verified</td><td>Write the full name, such as <a data-footnote-ref href="#user-content-fn-1"><mark style="background-color:green;">Toko Baju Maju Jaya</mark></a></td></tr><tr><td>Brand Short Name uses a service name only</td><td><mark style="background-color:red;">Premium Membership</mark> does not show the business behind it.</td><td>Use your brand and type of business, such as <mark style="background-color:green;">Toko Baju Maju Jaya.</mark></td></tr><tr><td>Name does not match the MCC</td><td><mark style="background-color:orange;">Nusa Digital</mark> is submitted with the software store MCC.</td><td>Include the business type in the name, such as <mark style="background-color:green;">Nusa Software</mark></td></tr><tr><td>Brand Short Name uses a personal name only</td><td><mark style="background-color:red;">Ricky Hilmi</mark> does not show any business information.</td><td>Add your type of business, such as <mark style="background-color:green;">Ricky Hair Studio</mark> or <mark style="background-color:green;">Ricky Coffee Shop.</mark></td></tr><tr><td>MCC doesn't match the main business activity</td><td>The main business is a salon, but the MCC is a restaurant category.</td><td>Choose the MCC for your main activity, in this case salon or hair care.</td></tr></tbody></table>

## QRIS Configuration

### Static QRIS

You can view your static QRIS image by following the steps below:

1. Log in to [DOKU Dashboard](https://dashboard.doku.com/bo/login?utm_source=docs), and then access the side navigation bar
2. Select **Settings** from the menu
3. **Settings** page will appear. Under **Account** section, select **Service**
4. Search for **QRIS** under the Service list, and then select **See Details**
5. A pop-up box will appear where your static QRIS image can be seen.<br>

<div align="left"><figure><img src="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2Fl6jzH1UISBWAEQt9Jvsq%2Fqris-service-details.png?alt=media&amp;token=e0cb4dea-7c19-4588-99c2-1e8b070cdab3" alt="" width="375"><figcaption></figcaption></figure></div>

### QRIS Credentials

QRIS credentials consist of

1. QRIS Client ID,
2. QRIS Shared Key,
3. QRIS Client Secret,
4. MPAN, and
5. NMID.&#x20;

If QRIS payment method has been activated, you can retrieve these credentials by following the steps below:

1. Log in to [DOKU Dashboard](https://dashboard.doku.com/bo/login?utm_source=docs), and then access the side navigation bar
2. Select **Settings** from the menu
3. **Settings** page will appear. Under **Accept Payments** section, select **Checkout Appearance**
4. **Checkout Page Configuration** page will appear, then click **QRIS Credential Settings** tab where you will find the QRIS credentials for your business
5. Click **Save** to save your configuration

{% hint style="info" %}
The static QRIS image becomes available once the payment method is activated.
{% endhint %}

### FAQs

#### Rejection and Eligibility

<details>

<summary>Why was my QRIS application rejected?</summary>

Your QRIS application may be rejected if the information submitted does not match your actual business activity.

Common reasons include:

* Merchant name does not clearly represent the business.
* Merchant Category Code (MCC) does not match the main business activity.
* Merchant name and MCC are inconsistent.
* Business information or documents are incomplete.
* The products or services offered do not match the submitted business category.

To better understand which MCC may be appropriate for your business, [**see common MCCs for different business types** ↗](#what-are-some-common-mccs-for-different-business-types).

To learn how your merchant name and MCC should represent your business consistently, [**see how to choose your merchant name and MCC** ↗](#how-should-i-choose-my-merchant-name-and-mcc).

Review your business information and make sure your merchant name, MCC, products or services, and business documents consistently represent the same business activity.

If the rejection reason specifically mentions MCC, review the MCC selected for your business or contact DOKU Customer Support for assistance.

</details>

<details>

<summary>What are some common MCCs for different business types? </summary>

MCC (Merchant Category Code) is used to categorize a merchant based on its business activity. Select the MCC that best represents your **main business activity**, rather than choosing one based only on a specific product you sell.

Here are some examples of common MCCs:

<table data-search="false"><thead><tr><th width="150.62890625">Business Type</th><th width="113.8828125">MCC</th><th>Example Merchant Name</th></tr></thead><tbody><tr><td>Restaurant</td><td>5812</td><td>Dapur Nusantara Restaurant</td></tr><tr><td>Fast Food</td><td>5814</td><td>Ayam Crispy Express</td></tr><tr><td>Catering</td><td>5811</td><td>Dapur Ibu Catering</td></tr><tr><td>Bakery</td><td>5462</td><td>Roti Manis Bakery</td></tr><tr><td>Supermarket</td><td>5411</td><td>Sejahtera Supermarket</td></tr><tr><td>Clothing Store</td><td>5651</td><td>Raka Fashion Store</td></tr><tr><td>Shoe Store</td><td>5661</td><td>StepUp Shoes</td></tr><tr><td>Electronics Store</td><td>5732</td><td>Sinar Elektronik</td></tr><tr><td>Computer Store</td><td>5045</td><td>Prima Computer</td></tr><tr><td>Book Store</td><td>5942</td><td>Cerdas Bookstore</td></tr><tr><td>Pharmacy</td><td>5912</td><td>Sehat Sentosa Pharmacy</td></tr><tr><td>Hotel</td><td>7011</td><td>Hotel Nusantara</td></tr><tr><td>Hair Salon</td><td>7230</td><td>Ricky Hair Studio</td></tr><tr><td>Photographic Studio</td><td>7221</td><td>Komorebi Photobooth</td></tr><tr><td>Automotive Repair</td><td>7538</td><td>Maju Jaya Motor Service</td></tr><tr><td>Home Furnishing Store</td><td>5712</td><td>Rumah Kita Home Store</td></tr></tbody></table>

> **Note:** The MCC examples above are provided as general references. The MCC available during your application may depend on the applicable classification and verification process.

If you are unsure which MCC is appropriate, check [MCC Reference](/get-started/manage-business/manage-payment-methods/qris/qris-mcc-reference.md) or contact DOKU Support for assistance.

</details>

<details>

<summary>What should I do after my QRIS application is rejected?</summary>

1. **Check your application status.** If your QRIS application has not been activated within 5 woriking days and if QRIS is no longer listed under your services in the DOKU Dashboard, your application may have been rejected.
2. **Check your submission** against this list:
   * Full business name, no abbreviations
   * Brand Short Name includes your type of business (in Bahasa Indonesia, except common terms like *Photobooth*)
   * The type of business in the name matches your MCC
   * Your MCC matches your main business activity
   * Your document matches your merchant type (KTP or company NPWP)
3. **Fix the issue.** Rewrite the Brand Short Name or choose the correct MCC.
4. **Apply again.** Go to **Settings > Account > Service**, click **ADD SERVICE**, select **QRIS**, enter the corrected Brand Short Name and MCC, then click **ACTIVATE** twice.
5. **Wait for the review.** You'll receive an email when DOKU approves. PTEN review sends no email, so check **Settings > Account > Service** for your status.
6. **Rejected again?** Don't submit the same details. Email <care@doku.com> with your business name and DOKU account email, the Brand Short Name and MCC you submitted each time, and the rejection email(s).

.

</details>

#### Integration and Testing

<details>

<summary>How to activate QRIS in the staging environment (DOKU Sandbox)?</summary>

QRIS is not supported in DOKU Sandbox. Consequently, QRIS credentials cannot be used in sandbox, and no QRIS transaction simulator is available. Registration, issuance, and usage of QRIS credentials are strictly limited to the live (production) environment.

</details>

<details>

<summary>How to integrate QRIS via API?</summary>

Use **Direct API** to accept QRIS on your own website or app with your own payment page. Make sure QRIS is active in your DOKU Dashboard first, then follow the [Direct API](https://docs.doku.com/accept-payments/integration-tools/direct-api) guide.

</details>

<details>

<summary>How to integrate QRIS via Shopify?</summary>

Connect your Shopify store to DOKU by installing the [DOKU Payment app](https://apps.shopify.com/doku-payment-gateway) from the Shopify App Store. Once QRIS is active in your DOKU Dashboard, you can offer it at your Shopify checkout. See the [Shopify](https://docs.doku.com/accept-payments/integration-tools/e-commerce-and-plugins/shopify) integration guide.

</details>

#### QRIS MDR and Processing Fee

<details>

<summary>What is the difference between QRIS MDR and Processing Fee?</summary>

QRIS MDR is the transaction fee determined by Bank Indonesia, while the Processing Fee is a separate service fee for using DOKU's payment platform and transaction processing services.

</details>

<details>

<summary>What QRIS fees apply to my transactions?</summary>

The applicable fees depend on your transaction amount and merchant pricing arrangement.

**For eligible new merchants whose QRIS activation applications are approved by PTEN on or after November 1, 2026, the following fees apply:**

| Transaction Amount  | QRIS MDR | Processing Fee          |
| ------------------- | -------- | ----------------------- |
| Rp100,000 and below | 0%       | Rp1,000 (Excluding Tax) |
| Above Rp100,000     | 0.7%     | Rp0                     |

**Existing merchants continue to follow their respective Processing Fee arrangements as previously communicated.**

</details>

<details>

<summary>Does the Rp1,000 Processing Fee apply to all merchants?</summary>

No. Existing merchants follow their respective pricing arrangements with DOKU. The Rp1,000 fee for eligible new merchants does not automatically apply to them.

| Eligible new merchants      | Rp1,000/transaction\* |
| --------------------------- | --------------------- |
| Existing merchant (Example) | Rp500/transaction\*   |

\*Excluding 11% Tax. Actual fees may vary depending on your merchant pricing arrangement. **Check your DOKU Dashboard for applicable fees.**

</details>

<details>

<summary>How is my QRIS settlement amount calculated?</summary>

Your settlement amount is calculated by deducting the applicable QRIS MDR, Processing Fee, and PPN on the Processing Fee from the transaction amount.

The following examples illustrate the calculation for eligible new merchants:

**Example 1: Transaction amount of Rp80,000**

| Component                   | Amount                                    |
| --------------------------- | ----------------------------------------- |
| Transaction Amount          | Rp80,000                                  |
| QRIS MDR (0%)               | Rp0                                       |
| Processing Fee              | Rp1,000                                   |
| PPN on Processing Fee (11%) | Rp110                                     |
| Settlement Amount           | Rp80,000 - Rp1,000 - Rp110 = **Rp78,890** |

**Example 2: Transaction amount of Rp120,000**

| Component                   | Amount                            |
| --------------------------- | --------------------------------- |
| Transaction Amount          | Rp120,000                         |
| QRIS MDR (0.7%)             | Rp840                             |
| Processing Fee              | Rp0                               |
| PPN on Processing Fee (11%) | Rp0                               |
| Settlement Amount           | Rp120,000 - Rp840 **= Rp119,160** |

</details>

<details>

<summary>Is PPN included in the Processing Fee?</summary>

No. The Processing Fee is exclusive of PPN. An additional 11% PPN applies to the Processing Fee.

</details>

<details>

<summary>Where can I check my applicable Processing Fee?</summary>

Processing Fees may vary depending on your merchant pricing arrangement. Please check your applicable **Processing Fee directly in your DOKU Dashboard.**

</details>

<details>

<summary>Can I pass the MDR or Processing Fee on to my customers?</summary>

No. Bank Indonesia prohibits merchants from charging customers additional fees for QRIS transactions. The amount paid by customers must be the same as the listed price of the goods or services.

</details>

[^1]:


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation by asking a question.

Perform an HTTP GET request on the following URL with the `ask` and `goal` query parameters:

```
GET https://docs.doku.com/get-started/manage-business/manage-payment-methods/qris.md?ask=<question>&goal=<user_goal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is what the user is ultimately trying to achieve, the reason they need the answer. Sharing it helps GitBook give you a better, more relevant answer. A goal is most helpful when it describes the outcome the user wants rather than restating the question. For example, with `ask=how do I create an API token`, a goal like `automate deployments from our CI pipeline` lets GitBook tailor the answer to that use case.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.