Bank Kaltimtara (DG Merchant)
QRIS onboarding that is flexible, secure, and measurable — from registration through to an active merchant
What changes once Bank Kaltimtara is running.
- 01
More flexible merchant registration, through bank input or self-onboarding.
- 02
Stronger data validation, with account and identity checks made directly against bank services
- 03
Clearer branch control, through branch verification and PIC approval according to authority
- 04
More standardised merchant activation, from MPAN and MID through to NMID via PTEN
- 05
Clearer submission status, through an automatic email notice once the merchant is active
The QRIS payment ecosystem was developed to accelerate cashless transactions for customers and affiliated merchants, while making the path from onboarding to merchant activation more orderly and measurable. SPE Solution strengthened operational control through account and ID-number verification against bank services, followed by branch verification and approval by the PIC according to their authority. Integration with PTEN for NMID issuance is handled in a structured way, after which merchants receive an automatic activation notice so they can start transacting sooner, with submission status easy to track.
The channels and features used in the field.
QR Sticker
The most practical option for small businesses without a POS or finance system. Merchants simply display the QRIS sticker at the outlet to start accepting payments, with no system integration required.
QRIS MPM/CPM
Supports both QRIS methods, depending on operational needs:
- MPM (Merchant Presented Mode)
- the customer scans the QR the merchant displays (sticker or screen).
- CPM (Customer Presented Mode)
- the merchant scans the QR from the customer's app — suited to payment flows that need faster validation at the till.
QR API
Suited to merchants that already run their own POS or finance system. QRIS integrates directly via API into internal systems to automate payment processing and reporting (for example enterprises such as Superindo or Bluebird).
QR EDC
The same capability as QR API, delivered through an EDC terminal. Ideal for merchants that want more practical operations at the point of payment, with the transaction flow shown directly on the EDC device.
In short.
Kaltimtara built a flexible onboarding flow with strong data validation and an approval mechanism at branch level, so expanding QRIS acceptance proceeds more safely and measurably. Registration through to activation is laid out end to end so submission status is easy to track and operations stay consistent as merchant numbers grow.
To discuss the flow design, branch governance, and integration requirements such as PTEN and NMID, please arrange a discussion with the SPE Solution team.