{"id":15844,"date":"2026-07-20T05:37:37","date_gmt":"2026-07-19T22:37:37","guid":{"rendered":"https:\/\/www.linkqu.id\/?p=15844"},"modified":"2026-07-06T15:52:16","modified_gmt":"2026-07-06T08:52:16","slug":"larangan-biaya-tambahan-qris-bi","status":"publish","type":"post","link":"https:\/\/www.linkqu.id\/en\/berita\/larangan-biaya-tambahan-qris-bi\/","title":{"rendered":"Aturan Baru BI Soal Biaya Layanan QRIS"},"content":{"rendered":"

\"Aturan<\/p>\n

Praktik pedagang yang membebankan biaya tambahan<\/strong> kepada pembeli saat bertransaksi menggunakan QRIS masih marak ditemukan di Makassar. Padahal, Bank Indonesia secara tegas menyatakan bahwa biaya Merchant Discount Rate (MDR)<\/strong> sepenuhnya menjadi tanggung jawab penyedia barang atau jasa.<\/p>\n

Seorang warga bernama Abdiwan menceritakan pengalamannya saat membeli kue di salah satu toko ternama. Ia mengaku dikenakan biaya tambahan sebesar satu persen dari nilai transaksinya. “Kena cas satu persen kalau transaksi pakai QRIS. Kecil, tapi kan tidak sesuai aturan. Giliran dikasih tahu, mereka bilang itu kebijakan bos. Selama tidak ada punishment yang tegas, kejadian begini akan terus berulang,” ujarnya.<\/p>\n

Pengalaman serupa juga dirasakan oleh Gita yang diminta membayar tambahan Rp1.000 saat membeli bahan bakar di toko kelontong. Pihak toko beralasan adanya potongan admin<\/strong> membuat uang yang mereka terima tidak utuh jika pelanggan tidak membayar biaya ekstra tersebut.<\/p>\n

Deputi Kepala Perwakilan Bank Indonesia Sulawesi Selatan, Aswin Gantina, menjelaskan bahwa fenomena ini terjadi karena masih banyak pelaku usaha yang belum memahami aturan main digitalisasi transaksi<\/strong>. “Belum teredukasi nampaknya. Memang masih banyak pekerjaan rumah kita bersama terkait digitalisasi transaksi ini,” ungkap Aswin.<\/p>\n

Pihak otoritas menekankan bahwa tarif MDR sebenarnya sangatlah rendah dan memberikan banyak manfaat bagi pedagang. Sebagai gambaran, untuk transaksi senilai Rp20 ribu dengan tarif 0,7 persen, potongan yang dikenakan hanya sekitar Rp140.<\/p>\n

“Kalau beli bensin Rp20 ribu misalnya, MDR 0,7 persen itu hanya sekitar Rp140. Sangat kecil dibandingkan manfaat yang diperoleh, termasuk mengurangi risiko menerima uang palsu,” jelas Aswin. Menurutnya, biaya ini adalah kompensasi atas keamanan<\/strong> dan efisiensi layanan pembayaran digital yang diterima merchant.<\/p>\n

Berdasarkan regulasi yang berlaku, tarif MDR untuk usaha mikro bahkan ditetapkan 0 persen<\/strong> untuk transaksi hingga Rp500 ribu. Sementara itu, kategori usaha kecil hingga besar dikenakan tarif 0,7 persen, dan sektor layanan publik tertentu tidak dikenakan biaya sama sekali.<\/p>\n

Kami mengimbau kalian untuk tetap waspada dan berani menolak jika diminta membayar biaya tambahan saat menggunakan QRIS. Jika kalian menemukan praktik ini, segera laporkan ke Bank Indonesia<\/strong> dengan melampirkan bukti transaksi serta identitas pedagang agar ekosistem pembayaran digital kita tetap sehat dan transparan.<\/p>","protected":false},"excerpt":{"rendered":"

Praktik pedagang yang membebankan biaya tambahan kepada pembeli saat bertransaksi menggunakan QRIS masih marak ditemukan di Makassar. Padahal, Bank Indonesia secara tegas menyatakan bahwa biaya Merchant Discount Rate (MDR) sepenuhnya menjadi tanggung jawab penyedia barang atau jasa. Seorang warga bernama Abdiwan menceritakan pengalamannya saat membeli kue di salah satu toko ternama. Ia mengaku dikenakan biaya […]<\/p>\n","protected":false},"author":1,"featured_media":15845,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"aside","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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