QRIS Cross-Border: Six Partner Markets for Overseas Visitors

Denpasar — — Foreign visitors to Indonesia can pay participating QRIS merchants using supported overseas banking and wallet applications from six partner markets: Thailand, Malaysia, Singapore, Japan, South Korea and China, according to Bank Indonesia and supporting industry and media reports.

The service, branded QRIS Cross-Border or QRIS Antarnegara, links Indonesia’s national QR payment standard with partner QR systems to support tourism, trade and small businesses by allowing travellers to pay in their own currency while merchants receive rupiah.

How visitors pay

Bank Indonesia’s Indonesian-language guidance describes a customer journey that begins in the visitor’s participating banking or payment application.

The user selects the QR payment function, scans the Indonesian merchant’s QRIS code, then enters the amount requested.

Before authorising the payment, the application displays transaction details, including the amount charged by the merchant and the converted value in the user’s own currency, which the customer is asked to review before entering a PIN or authorisation code.

Illustrative step-by-step flows published by Bank Indonesia and partner sites include opening the payment app, scanning the QRIS code, entering the payment amount, confirming the recipient and amount, entering a PIN and then checking that the transaction has been completed.

Official materials emphasise that the merchant’s charge is set in rupiah and that currency conversion is handled by the participating institutions’ payment infrastructure.

While Bank Indonesia explains that merchants receive settlement in rupiah and do not pay additional fees beyond standard QRIS charges for cross-border transactions, it does not prescribe the fees or foreign-exchange margins that individual overseas providers may apply for their own customers.

Visitors are therefore advised to review the final screen in their application carefully, including any fee or exchange-rate disclosure, before confirming a payment.

Supported markets and applications

Bank Indonesia’s QRIS Antarnegara page and derivative explainers state that QRIS Cross-Border is available with six partner countries: Thailand, Malaysia, Singapore, Japan, South Korea and China.

Official tables and industry summaries list multiple overseas issuers and wallet operators in each market. For example, in Thailand the linkage involves banks such as Bangkok Bank, Krungthai Bank, Krungsri Bank, CIMB Thai and others using the PromptPay QR standard.

In Malaysia, supported issuers include CIMB Bank, Hong Leong Bank, Maybank, Public Bank, Touch ’n Go eWallet, Bank of China and several other banks and fintech providers transacting over the DuitNow QR standard.

Singapore’s cooperation uses NETS QR and involves banks including OCBC, UOB and DBS via DBS PayLah and related applications.

Japan’s linkage is based on the local JPQR or JPQR Global standard, with Indonesian payment-service providers such as major banks and e-wallets enabled for cross-border use, while overseas applications are listed in Bank Indonesia’s tables and related guidance.

Media and industry sources report that the South Korea connection uses local QR payment schemes such as Seoul Pay and Jeju Pay under an arrangement launched between Bank Indonesia and the Bank of Korea, and that China connectivity allows use of Alipay, UnionPay and Chinese banking apps in combination with Indonesian QRIS infrastructure.

Bank Indonesia and partner explainers caution that lists are provider-specific and do not guarantee that every banking or wallet application in a given partner market is active; travellers are advised to check with their own bank or wallet provider before relying on the service.

Fees, settlement and troubleshooting

According to Bank Indonesia, Indonesian merchants receive the billed amount in rupiah when a foreign visitor pays through QRIS Cross-Border, even if the customer pays from a foreign-currency account.

Merchants are told that they do not incur extra merchant-side fees to accept QRIS Cross-Border payments beyond standard QRIS arrangements, and are advised to confirm with their payment-service provider that cross-border functionality has been enabled.

Customer-side fees and exchange-rate methodologies are set by the individual issuing banks and wallet providers. Official QRIS Antarnegara materials and independent explainers advise users to review the converted amount, any fee information and the transaction status in their application, and to retain transaction records when seeking support.

When a payment appears to fail or remain pending, users are generally directed to contact their own payment provider’s customer service and, if necessary, the merchant’s QRIS provider, as there is no single published Bank Indonesia hotline dedicated solely to QRIS Cross-Border disputes.

Context

Bank Indonesia presents QRIS Cross-Border as part of a broader initiative to expand digital payments and regional economic integration, including the Local Currency Transaction framework with partner central banks.

By allowing Indonesian travellers to pay abroad with domestic applications and foreign visitors to pay Indonesian QRIS merchants with their home-country apps, the system is intended to support tourism flows to and from Indonesia, facilitate small-business transactions and reduce reliance on cash and international card schemes.

Sources

• Bank Indonesia – QRIS Antarnegara (Indonesian)
• Ezeelink – QRIS Cross Border 2026: Daftar Negara dan Cara Kerja
• Jari PMI – QRIS Cross Border
• CNBC Indonesia – QRIS Tembus 15 Miliar Transaksi, Penggunanya 67 Juta di Juli 2026
• Wikipedia – QRIS
• Travel and Tour World – Indonesia Transforms Asian Travel with Seamless QR Payments and Village Tourism
• RRI – BI, Finnet Advance Indonesia's Cross-Border QRIS System
• INDiplomacy – QRIS Cross-Border drives Indonesia’s digital payment expansion
• Kumparan – Interoperabilitas QRIS: Pondasi Ekosistem Keuangan Digital ASEAN?