How to Make Qris GPN: Complete and Easy Guide for MSMEs

In today’s digital era, cash payment methods are slowly being abandoned. Customers now prefer the practicality of scanning the QR code via their cellphones rather than the hassle of carrying cash. This is where it is important for business owners, especially MSMEs, to understand how to make qris gpn.

QRIS (Quick Response Code Indonesian Standard) which is integrated with the GPN (National Payment Gate) is a “one door” solution for all types of payments. This means that one QR code can be scanned by various applications, ranging from GoPay, OVO, Dana, ShopeePay, to Mobile Banking such as BCA Mobile or Livin’ by Mandiri.

If you are still confused about how to start, this article will guide you step by step.

What is QRIS GPN and why is it important?

Before going into the technical registration, it’s a good idea to understand the basic concept. Launching from the official website of Bank Indonesia, QRIS is a standardization of payments using the QR Code method so that the transaction process becomes easier, faster, and more secure.

Meanwhile, GPN is a system that connects various non-cash transactions in Indonesia. So, when you apply how to make qris gpn This, you automatically open the door for millions of digital wallet users and bank customers throughout Indonesia to shop at your store without a hitch.

According to a report from Compass, the adoption of QRIS among micro-enterprises continues to increase sharply because it is proven to be able to increase sales turnover thanks to the convenience offered to customers.

QRIS Registration Document Requirements

The QRIS registration process is actually very simple and can now be done completely Online. However, you need to prepare the document so that the verification process runs smoothly. Document requirements are usually differentiated by type of business:

1. Individual business (without legal entity):

• KTP of Business Owner (WNI).

• Family Card Number (KK).

• photo of place of business or product.

• bank account number for disbursement of funds.

2. Business Entity (PT/CV/Foundation):

• ID card of the person in charge (Director).

• Business entity NPWP.

• Deed of Establishment and Decree of the Ministry of Law and Human Rights.

• Business Identification Number (NIB).

• Photo of the place of business and bank account in the name of the business entity.

steps how to make qris gpn

You do not register directly with Bank Indonesia, but through a licensed Payment System Service Provider (PJSP). These can be banks (BCA, BRI, Mandiri, etc.) or non-bank institutions (such as digital wallet providers or payment aggregators).

Here is the general flow of registration:

1. Select Licensed PJSP: Determine whether you want to register through the bank where you save or through the aggregator fintech.

2. Online registration: Visit the official PJSP website of your choice or download the app. Look for the registration menu Merchant Qris.

3. Fill in the form: Complete personal data and business data according to the form provided. Make sure the business name is written correctly because it will appear on the customer’s cellphone screen when paying.

4. Upload Documents: UPLOAD Photos of ID cards and other supporting documents with clear quality (not blurry).

5. Verification: The PJSP team will verify your data. This process usually takes 1 to 14 working days, depending on the service provider.

6. Receive QR Code: Once approved, you will get a QRIS code (can be filet digital for printing or physical stickers sent to business addresses).

QRIS Transaction Fee (MDR)

One of the questions that often arises when looking for info how to make qris gpn is a matter of cost. This cost is called MDR (Merchant Discount Rate). The good news, the cost is very affordable compared to renting a conventional EDC machine.

Here is a detailed table of the latest MDR costs (data subject to change according to BI policy):

> Note: The cost policy for micro-enterprises (UMI) often receives subsidies or special adjustments from Bank Indonesia for small nominal transactions.

the benefits of using qris for traders

Why should you implement this system immediately? Based on coverage CNN Indonesia, the digitization of payments is the key to survive in the modern economy. Here are the main benefits:

• Universal: Just one QR code for all payment applications. Your cashier desk becomes neater without many different QR stickers.

• Anti Counterfeit Money: The risk of receiving counterfeit money is completely lost.

• Pencatatan Otomatis: All transactions are recorded in the application Merchant, facilitate bookkeeping and financial reconciliation.

• hygienic: Minimize physical contact, which is the preference of many post-pandemic customers.

• Build a credit profile: A neat digital transaction history can be an added value if one day you want to apply for a business capital loan to the bank.

FAQ: Questions about QRIS GPN

Q: How long does the QRIS manufacturing process take?

A: Depends on the PJSP you choose. The fastest can be 1-2 working days, but the standard is 7-14 working days until the QR code is active and can be used.

Q: Does the transaction funds go directly to the account?

A: Not instant (except certain features of the same bank). Usually the funds will enter H+1 (next working day) to the registered account.

Q: Can individuals who do not have physical stores register?

A: Yes. Many freelancers or home-based online merchants who use QRIS. You just need to attach a product photo or screenshot of your online store as proof of business.

By understanding how to make qris gpn Above, you have taken one step forward to raise your business class. The process is easy, the costs are transparent, and the long-term benefits are enormous for business continuity. Don’t delay, register your business immediately and enjoy the convenience of digital transactions.