BNI Merchant
Real-time QRIS acquiring that is fast at the till, tidy in operations, and ready to scale for every type of merchant
What changes once BNI Merchant is running.
- 01
Smoother real-time QRIS transactions that speed up payment at the point of sale
- 02
Stronger acquiring control through a centralised system with role-based access.
- 03
More efficient onboarding, with submission input, monitoring, and reporting integrated
- 04
Tidier review and approval before PTEN processing, keeping data quality high
- 05
More self-sufficient merchants through a portal for monitoring, settings, and cashier management
- 06
Ready to integrate with industry standards, including SNAP BI
Real-time QRIS payments help merchants accept transactions faster, more securely, and without a physical card. SPE Solution built a centralised ecosystem through Merchant Onboarding Management (MOM) and the Merchant Portal so that onboarding, monitoring, and operational control run consistently in a single flow. The implementation also follows SNAP BI standards, making the acquiring service easier to scale and easier for both bank and merchant teams to manage.
The channels and features used in the field.
QR Sticker
The fastest way to start accepting QRIS payments. Merchants simply display the QR sticker at the outlet with no system integration required — ideal for straightforward day-to-day operations.
QR API
For merchants that already run their own POS or finance system. QRIS payments integrate directly via API so transactions, records, and reporting run more automatically and under tighter control — ideal at enterprise scale.
QR EDC
The same capability as QR API, delivered through an EDC terminal. Suited to till operations that need a fast, consistent transaction flow that is easy to use at the point of payment.
QR NFC (Single Tap / Double Tap)
A more practical tap-to-pay option supporting a faster transaction experience at the outlet, particularly for high-throughput payment scenarios.
What was built, year by year.
The development record for BNI Merchant across 2020–2025 — set down as recorded in the project documents, without impact figures that clients have not yet validated.
- Onboarding, MPM, Settlement H+1, Admin Portal
- CPM Bansos, Broadcast, Merchant user editing, Merchant Portal
- CPM Regular, Cross-border, Merchant data maintenance, BNI Merchant, Self onboarding
- KKI, settlement H+0, BNI Move, BPJSTK
- Kemenkeu, QRISTAP, PTEN maintenance, Non-PTEN, MDR tiering
- Settlement H+0 in 5 batches, DMA report, QRIS Double Tap
In short.
BNI Merchant runs on a tidy architecture with a clear division of roles, so merchant onboarding can move faster while operational control and real-time QRIS transaction visibility are preserved. The result is a service that feels safer, is easier to manage, and is ready to grow with merchants of every size.
To start discussing a similar approach to QRIS acquiring, you can book a consultation with the SPE Solution team.