QRIS Bank Jakarta (JakOne Merchant)
Real-time QRIS with tidy governance, measurable onboarding, and transaction monitoring that is easy to follow
What changes once QRIS Bank Jakarta is running.
- 01
Faster real-time transactions, improving the payment experience at the merchant.
- 02
Centralised acquiring for more consistent, scalable operational control.
- 03
More measurable onboarding with end-to-end submission status tracking
- 04
More accurate merchant data through a review step before PTEN
- 05
A merchant portal that supports operational settings by role, cashiers included
- 06
Clearer transaction visibility through monitoring and reporting
The merchant payment experience was improved through a real-time QRIS service that makes transactions faster, safer, and more efficient without a physical card. SPE Solution developed MOM to manage merchant acquiring centrally, along with a Merchant Portal to support transaction monitoring, operational settings, and role-based access management. With a clear role structure, onboarding, review, and merchant management became more measurable — accelerating the expansion of QRIS acceptance while preserving the bank's operational control.
The channels and features used in the field.
QR Sticker
The most practical option for small merchants without a POS or finance system. Merchants can accept QRIS payments using sticker media, with no system integration.
QR API
Intended for merchants that already have an internal finance or transaction system, so QRIS can be integrated into it via API.
QR EDC
Fundamentally the same as QR API — supporting merchants that need system backing — but the transaction experience is presented and run through an EDC device for operations at the point of payment.
What was built, year by year.
The development record for QRIS Bank Jakarta across 2022–2024 — set down as recorded in the project documents, without impact figures that clients have not yet validated.
- Onboarding for corporate and individual merchants, MPM, Merchant Portal, Admin Portal, JakOne Merchant
- Admin Portal onboarding, Admin Portal log, MCC & MDR parameter settings, MDR tiering, JakOne Abank integration
- Bulk onboarding, Merchant PDP, Merchant data maintenance
In short.
QRIS Bank Jakarta strengthens its real-time QRIS service through tidy governance and flexible implementation options, making merchant operations more efficient. On the bank's side, service control and system scalability are better preserved to support growth in digital transactions.
To explore the design of a centralised QRIS merchant platform, including role division and transaction monitoring, you can continue the discussion with the SPE Solution team.