QRIS limits in 2026: per transaction, per day and how to work around them

"What is the QRIS limit?" is one of the questions Indonesians type into Google most often, both buyers who want to pay for a large purchase and business owners who take high-value orders. The answer has two layers: the national limit from Bank Indonesia, and the limit set by the bank or e-wallet the buyer uses. This guide explains both in plain language, with examples and ways to work around them for online shops.

QRIS limit per transaction: Rp10 million

Bank Indonesia sets a maximum of Rp10 million for every QRIS transaction. The limit applies to every payment app, mobile banking and e-wallets alike, and also to cross-border QRIS. It comes from BI's implementing rules for QRIS, PADG No. 3 of 2025.

This means one QRIS scan cannot pay more than Rp10 million, whatever the app. If your bill is Rp15 million, the payment has to be split into several transactions, or made with another method such as a bank transfer.

Why a limit? QRIS is designed for everyday retail payments: food, shopping, mobile credit, subscriptions. A per-transaction cap limits the loss when fraud or a mistaken payment happens, and keeps QRIS safe for millions of users.

QRIS limit per day: set by each bank and e-wallet

For a daily limit, Bank Indonesia does not set one national figure. Each issuer (bank or e-wallet) may set its own daily or monthly cumulative limit based on its risk management. So two people paying the same shop can have different daily limits.

What usually affects the daily limit:

• The e-wallet account type. Unverified accounts (often called "basic") usually have much smaller balance and transaction limits than accounts verified with an ID card (premium/plus).
• The bank account type. Regular savings, priority and business accounts often have different limits.
• Settings in the app. Many mobile banking apps let customers lower or raise their own QRIS limit, within the range the bank allows.

The surest way to know your daily limit is to open the transaction limit menu in your bank or e-wallet app, or ask its official call centre.

QRIS limits in 2026 at a glance

What about a minimum?

There is no single QRIS minimum for everyone. Technically QRIS works for small amounts, but merchants or payment providers may set their own minimum, for example so that fees are not larger than the order. Payment gateways usually publish a minimum and maximum per payment on their pricing page. For PAYWISE, the QRIS payment limits are on the Pricing page.

Examples

Case 1: a Rp7.5 million bill, the buyer uses a basic e-wallet account. It is under BI's Rp10 million cap, but a basic account's balance or limit is usually much smaller. The payment will probably be refused by the buyer's app. The fix: the buyer pays with mobile banking, or upgrades to a verified account.

Case 2: a Rp12 million bill. It is above the Rp10 million per-transaction cap. No app can pay it with one QRIS. The fix: split it into two payments (for example Rp6 million + Rp6 million), or use a bank transfer.

Case 3: the buyer has already spent Rp20 million by QRIS today. Each transaction was under Rp10 million, but the buyer's bank has a daily limit. The next transaction may be refused until the daily limit resets the next day.

Why is a QRIS payment refused when the balance is enough?

This is a common complaint. The most common causes:

1. Over Rp10 million in one transaction. No balance, however large, gets past this cap.
2. The app's daily limit has been used up, even though there is still money in the account.
3. The QRIS limit in the app is set low by the account owner, sometimes without realising.
4. The e-wallet account is not verified, so its transaction limit is small.
5. A temporary disruption at the bank, e-wallet or network. It usually recovers within minutes.
6. The QRIS code has expired. A dynamic QRIS on a checkout page has a time limit. If you are too late, ask for a new code.

If your balance was deducted but the payment shows as failed, that is a different case, covered in our article on failed QRIS payments with a deducted balance.

Tips for online shops that take large orders

Shops that sell expensive items, wholesale bundles or large top-ups should prepare a few things so buyers do not fail to pay:

• Show the QRIS payment limit on the checkout page. A simple line like "QRIS up to Rp10 million per payment" prevents confusion when a payment is refused.
• Offer split payments for orders over Rp10 million, for example a deposit and a final payment, or several separate bills.
• Offer another method for very large amounts, such as a bank transfer or USDT. Read QRIS or USDT: which payment method should you offer.
• Explain basic e-wallet limits. Many buyers do not know that unverified accounts have small limits.
• Use a dynamic QRIS per order. With a dynamic QRIS the amount is filled in automatically and each order has its own code, so split payments are still easy to match. See static vs dynamic QRIS.

How to check and change your QRIS limit in the app

Menu names differ between apps, but the steps are almost always similar:

1. Open your mobile banking or e-wallet app, then go to Account, Profile or Settings.
2. Look for a menu called Transaction Limits, Set Limits or Card & Limit Settings.
3. Choose QRIS or QR Payment. You will usually see the per-transaction and daily limits for your account.
4. If the app allows it, change the limit to suit your needs, then confirm with your PIN. Some banks only allow raising the limit up to a certain level, and higher limits must be requested at a branch.
5. For e-wallets, also check your account verification status. Upgrading to a verified account usually raises balance and transaction limits straight away.

It is better not to set the limit as high as possible just because you can. A limit that fits your daily needs protects you: if your phone is lost or your account is taken over, the maximum loss is limited too.

Cross-border QRIS limits

QRIS now works across borders: tourists from partner countries can pay Indonesian merchants with apps from their own country, and the other way round. The Rp10 million per transaction cap also applies to cross-border transactions. On top of that, the buyer's home app may have its own limit in local currency, and the exchange rate follows the operator's terms. For the merchant, the money still arrives in rupiah like a normal QRIS payment. See also cross-border QRIS.

What this means for merchants using a payment gateway

If you accept QRIS through a payment gateway, three limits apply at the same time:

• The BI limit: Rp10 million per transaction.
• The payment gateway limit: a minimum and maximum per payment set by the provider. This can be lower than Rp10 million.
• The buyer's app limit: the daily limit and the account type.

A payment only succeeds when all three are met. When you create a bill through the API, check the amount before creating the QRIS, and show a clear message when the amount is outside the limits, so the buyer does not wait for a code that will be refused. See how to accept QRIS payments with PAYWISE.

Common myths about QRIS limits

"An admin can unlock the QRIS limit." Not true. The per-transaction cap is set by Bank Indonesia and nobody can unlock it. Offers to "unlock the limit" for a fee are scams.

"A big balance means I can pay any amount." No. A Rp50 million balance still cannot pay a single Rp15 million QRIS transaction, because the Rp10 million per-transaction cap still applies.

"Every bank has the same daily limit." No. Each bank and e-wallet sets its own daily limit, and it can differ between account types at the same bank.

Will the QRIS limit go up?

The QRIS limit has been raised before as users and trust in the system grew. Any future change is always announced officially by Bank Indonesia. Do not trust chain messages or social media accounts that claim they can "open the QRIS limit" for a fee. That is almost certainly a scam. Follow information from bi.go.id or your bank's official app.

Frequently asked questions (FAQ)

What is the QRIS limit per transaction in 2026? A maximum of Rp10 million per transaction, under Bank Indonesia rules. It applies to every app and to cross-border QRIS.

What is the QRIS limit per day? There is no national figure. Each bank or e-wallet sets its own daily limit, and it can differ by account type. Check the transaction limit menu in your app.

Can I pay Rp15 million with QRIS? Not in one transaction. Split it into several payments under Rp10 million each, or use a bank transfer.

Why can't my e-wallet pay a large QRIS amount? Your account is probably not verified, so its balance and limits are small. Upgrade with ID verification, or pay with mobile banking.

Can a merchant raise a buyer's QRIS limit? No. Limits are set by Bank Indonesia (per transaction) and by the buyer's bank or e-wallet (daily). A merchant can only offer split payments or other payment methods.

Is the limit the same for QRIS Tap? QRIS Tap follows the same QRIS rules, including the per-transaction cap. Issuers may also set extra limits for tap payments.

Sources: Kontan: BI sets the QRIS limit at Rp10 million per transaction, Ezeelink: QRIS limits 2026, Bank Indonesia: practical QRIS guide. This article is general information. Always check the latest terms in your bank or e-wallet app.