# QRIS

## 1. Overview

QRIS (Quick Response Code Indonesian Standard) is a payment system standard developed by Bank Indonesia to facilitate digital transactions in Indonesia. It enables merchants to generate a QR code for payments, which customers can scan using their mobile devices. The QRIS system supports a wide range of payment methods, including e-wallets, credit cards, and bank transfers, to help streamline transactions and enhance the ease of digital payment adoption across the country.

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#### The system offers several benefits for both merchants and users:

* **Convenient Transactions**: QRIS allows users to make quick and easy transactions through a simple scan.
* **Increased Efficiency**: For merchants, it reduces the time and cost associated with traditional cash-based payment methods.
* **Enhanced Security**: QRIS reduces the risks associated with handling cash, improving the overall security of digital transactions.



This document explains how merchants can integrate QRIS into their system using the E2Pay Payment Gateway API, specifically the [Hosted Integration method](../../api-documentation/technical-doc-of-fiuu-id/hosted-integration-apis). The API simplifies the process for merchants, offering easy integration with minimal technical overhead.



## 2. Flow Process

The typical payment flow using QRIS through the E2Pay API is as follows:

1. **Merchant Request**: The merchant generates a payment request by sending a series of parameters (such as amount, order ID, customer information, etc.) to the payment gateway via HTTPS POST.
2. **Payment Gateway Response**: The payment gateway processes the request and displays the appropriate payment options for the customer, including QRIS.
3. **Customer Action**: The customer scans the QR code and proceeds with the payment.
4. **Payment Processing**: The payment gateway processes the transaction and sends the result back to the merchant’s system via a return URL, notify URL, or callback URL.



### **2.1 Sequence Diagram**

The Sequence Diagram for the payment process:

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In the Sequence Diagram, the interactions are between the following entities:

* **Merchant**: Initiates the transaction by generating a payment request.
* **Payment Gateway (PG)**: Processes the payment request and responds with the payment details.
* **Customer**: Scans the QR code and completes the payment.
* **Bank/Payment Channels**: Verifies the payment and communicates the result to the PG.



## Available Channels

QRIS is now cross border! QRs in Indonesia (QRIS) and Thailand (Thai QR) can all be scanned by all issuers regulated by Bank Indonesia and Bank of Thailand.

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By activating the QRIS payment method in E2PAY, merchants will be able to accept cashless payments via dynamic QRIS code. Customers will be able to choose to pay via QRIS when doing payments via desktop. With QRIS, customers can pay by scanning the QR code using any supporting QRIS payment app (from e-Wallet apps such as M-Bayar, GoPay, OVO, Dana, LinkAja, to mobile banking applications that have a QR scanner feature such as BCA, Sinarmas, Maybank, CIMB, etc.)&#x20;



