QRIS Bank Permata (Permata Merchant)
Real-time QRIS acquiring that is responsive, ready to scale, and easy to manage from onboarding through to reporting
What changes once QRIS Bank Permata is running.
- 01
Faster transactions at the point of payment with responsive real-time processing.
- 02
Faster merchant acquisition through QR implementation options matched to merchant readiness.
- 03
Stronger operational control through centralised, standardised acquiring.
- 04
More efficient onboarding and maintenance for merchant and outlet data updates.
- 05
More measurable monitoring and reporting for performance analysis and business decisions.
Real-time QRIS acquiring capability was strengthened so transactions at the merchant run faster, more securely, and more comfortably without a physical card. SPE Solution built QR Acquiring Management (QRAM) as the hub for merchant acquiring, along with Mobile Merchant Apps to support merchants' day-to-day operations. The solution integrates with the bank's core system, merchant onboarding, and transaction reporting, so the merchant network can expand faster while operational control stays consistent and transaction data stays easy to follow.
The channels and features used in the field.
QR Sticker
The fastest activation for merchants that do not yet need system integration. Suited to straightforward operations at the outlet.
QR API
QRIS integrated directly into the merchant's internal system. Ideal for merchants with their own finance or operational systems (enterprise).
QR EDC
The same integration requirements as QR API, but the transaction is run and displayed through an EDC terminal at the point of payment.
What was built, year by year.
The development record for QRIS Bank Permata across 2021–2025 — set down as recorded in the project documents, without impact figures that clients have not yet validated.
- Onboarding, MPM, Merchant Portal, Admin Portal, Mobile Merchant
- Merchant API + SNAP BI, TID addition and Add Outlet
- Tiered MDR calculation per BI regulation, Permata QR onboarding enhancement
- Lotus rebranding phase 1 (Merchant Portal and Mobile Merchant), SOF CC block, merchant data maintenance phase 1, QR transactions using SOF CC, Replace TID
- SDK35 update, QR Merchant sound notification
In short.
QRIS Bank Permata accelerated onboarding through the development of QRAM and Mobile Merchant Apps, while tidying up merchant data maintenance and delivering more measurable transaction reporting for its real-time QRIS acquiring service. The merchant ecosystem can grow faster with operational control that stays consistent.
To discuss the scope, integration, and development roadmap for a similar capability, you can book a session with the SPE Solution team.