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QRISAN logo
QRIS Acquiring Management System · for banks

QRIS merchants become your bank's customers — not an aggregator's.

With QRISAN, the bank becomes a QRIS acquirer under its own brand: merchants onboard through the bank's channels, funds settle to merchant accounts at the bank, and daily transaction data becomes the basis for the next business relationship — accounts, working capital loans, cash management.

Talk to our team See how it works

Born from the first QRIS acquiring system with Permata Bank (2020) and the second with BNI (2021) · used by Bank DKI · built to Bank Indonesia & ASPI standards

The acquirer position handed to an aggregator; the merchant relationship cut off from the bank
The bank holds its own merchant portfolio — from registration and NMID through to settlement and reporting
Merchant onboarding slow and buried in paper documents
A self-onboarding track for MSMEs and an assisted track via branches/agents — both with an audit trail
Settlement, MDR, and disputes calculated and tracked by hand
Scheduled settlement with automatic MDR & revenue-share calculation; disputes handled in a workflow
Who it's for

For banks that want to hold the acquirer position themselves

The acquirer position is the one that builds merchant relationships. QRISAN makes it attainable without building the system from scratch.

Payments business

Head of Payment / Acquiring Business

Grow the merchant portfolio with fast onboarding, MDR rates per category, and daily transaction data in the bank's hands.

Regional banks & BPRs

BPD / BPR boards of directors

Bring QRIS under the bank's brand for merchants and regional government collections, with technical certification support from SPE.

Technology

CIO / CTO & the bank's IT team

Need an acquiring system already running in other banks' production, connected to QRIS switching and core banking, with regulator-ready reporting.

The problem today

QRIS has grown into the main retail channel — but many banks watch from the issuer seat only

One QR can be paid from every participating digital wallet and mobile banking app. A bank that is only an issuer misses the most valuable side: the relationship with the merchant.

  • Building an acquiring system from scratch means a long development cycle and layered technical certification.
  • Handing acquiring to an aggregator means the merchants, funds, and data are managed by someone else.
  • Without a system, MDR calculations, revenue shares, and disputes become spreadsheet work.
  • ASPI and Bank Indonesia reporting obligations assembled manually from scattered data sources.
How it works

The dynamic MPM transaction flow — from the till to settlement

Merchant till / POSyour bank's own merchantsparent · branch · outletQRISANQRIS Acquiring Systemon your bank's infrastructureto BI & ASPI standardsCustomerany QRIS-participating bankapp or digital walletQRIS switchingthe inter-participant networkMerchant accountat your bankscheduled settlementReportingper merchant · per acquirerASPI & BI templatesCreate dynamic QR — amount + referenceCreate dynamic QR — amount + reference1Customer scans the QRCustomer scans the QR2Issuer forwards the paymentIssuer forwards the payment3Validation & postingValidation & posting4Real-time notification to the merchantReal-time notification to the merchantSettlement + MDRSettlement + MDR5ReportingReporting

QRISAN stands as the acquiring system on the bank's side: issuing QRs, validating payments from switching, settling to merchant accounts at the bank, and building the reports.

  1. The till creates a billThe POS/till calls QRISAN to create a dynamic QR with an amount and reference. Static QR and CPM follow a similar flow.
  2. The customer scansFrom any QRIS-participating bank app or digital wallet.
  3. The issuer processesThe issuer sends the payment request through QRIS switching to QRISAN as the acquirer.
  4. Validation & notificationQRISAN validates, posts, and notifies the merchant — app, callback, or dashboard.
  5. Settlement & reportingFunds settle on schedule to merchant accounts at your bank, complete with MDR calculation, revenue shares, and per-merchant/per-acquirer reports.
Capabilities

From merchant onboarding to operational reporting

Merchant management

  • Self-service & assisted registration (agents/branches) — document verification, MCC categories, NMID issuance via standards-body integration.
  • Merchant hierarchies: parent – branch – outlet – till, with reporting at every level.
  • MDR rates per merchant category and revenue-share schemes with partners.

QR & transactions

  • Static MPM — printed once, used forever; the customer enters the amount.
  • Dynamic MPM — a QR per transaction with a locked amount, integrated with tills/POS and the merchant API.
  • CPM — the merchant scans the customer's QR for high-volume retail.
  • Card-not-present QRIS (TTM) for online payments and billing.

Acquirer operations

  • Scheduled settlement with MDR calculation, revenue shares, and per-merchant/per-acquirer reports.
  • Disputes & chargebacks in a workflow with assignments and deadlines.
  • Transaction monitoring, anomaly detection, and restrictions on high-risk merchants.

Compliance

  • QRIS technical specifications from Bank Indonesia & ASPI: QR formats, MDR rules, reporting obligations.
  • ASPI and Bank Indonesia reporting templates built from the same transaction data.
  • Technical certification support from the SPE team until you pass.
Integration

Installed on the bank's infrastructure, connected to the QRIS ecosystem

QRISAN runs under the bank's brand and control, connected to QRIS switching, core banking, merchant accounts, and onboarding channels. SPE operates High Availability data centers at Lintasarta and DCI Indonesia plus Google Cloud.

  • QRIS switching — acquirer flows to Bank Indonesia & ASPI technical specifications.
  • Core banking — posting and settlement to merchant accounts at your bank.
  • Onboarding channels — mobile forms, branches, and agents in one maker–checker flow.
  • Merchant API + sandbox — POS/till integration for dynamic QRs and notifications.
Illustration
// Creating a dynamic QR — illustrative example, not a final specification
POST /qris/v1/dynamic-qr
{
  "merchant_id": "NMID-ID10230984721",
  "terminal_id": "KASIR-03",
  "amount": 125000,
  "reference": "INV/2026/09/0451"
}

// Payment notification to the merchant
{
  "reference": "INV/2026/09/0451",
  "status": "SUCCESS",
  "issuer": "93600xxx",
  "paid_at": "2026-09-08T12:03:17+07:00"
}
Portfolio

The same system has passed certification and production at three banks

QRISAN is the new name (2024) for a core QRIS built since the YAP! era and two of Indonesia's first-generation QRIS acquiring systems.

YAP! — BNIBNI mobile merchant QR Merchant — Permata BankQRIS Bank DKI BI & ASPI standards

See the case studies →  ·  Trust Center →

2019
The YAP! QR payment system with BNIThe QR experience that predates the QRIS era.
2020
The first QRIS acquiring system — Permata BankSPE's inaugural QRIS acquiring implementation.
2021
The second QRIS acquiring system — BNIEvery system rebuilt to Bank Indonesia standards.
2022–2023
Bank DKI's QRIS developed, then launchedAlongside Bank DKI's VA Credit and Debit.
2024
Rebranded as QRISAN · PJP Category 3 licenceThe core QRIS becomes an official product; SPE is licensed by Bank Indonesia.
Next step

The path to becoming an acquirer, guided from licensing to go-live

Step 1

Assessment & licensing

Mapping your bank's acquiring licence status, switching, and initial merchant portfolio.

Step 2

Integration & certification

QRIS switching, core banking, onboarding channels — then technical certification and UAT for MPM/CPM, settlement, and dispute scenarios.

Step 3

Phased go-live

Pilot merchants, then expansion — with monitoring and help desk.

Discuss your bank's acquiring roadmap

Tell us your licence status and merchant portfolio — our team maps the architecture, certification, and stages.

Talk to our team See the Trust Center