QRIS in numbers: 12.55 billion transactions in the first half of 2026
Bank Indonesia's latest QRIS figures: transactions doubled in January–June 2026, with about 66 million users and 44.86 million merchants. What the numbers mean for online sellers.
Published 18 October 2026 2 min read
QRIS keeps growing fast. In the first half of 2026 Indonesians made 12.55 billion QRIS payments, about twice as many as a year earlier. Here are the latest official figures and what they mean if you sell online.
The key figures (January–June 2026)
| Measure | Figure | Change vs. H1 2025 |
|---|---|---|
| Transactions | 12.55 billion | +100.12% |
| Transaction value | Rp600.69 trillion | +89.52% |
| Users | about 66 million | — |
| Merchants | 44.86 million | — |
Bank Indonesia Deputy Governor Filianingsih Hendarta shared these numbers on 6 August 2026. The QRIS network now includes 96 banks, 60 non-bank providers and 4 switching companies.
By late September 2026, BI was already reporting about 69.3 million users and nearly 46 million merchants.
Targets for the full year
BI aims for 17 billion transactions, 70 million users and 47 million merchants by the end of 2026. After six months, QRIS had already reached about three quarters of the transaction target.
Most merchants are small businesses
The large majority of QRIS merchants are micro, small and medium businesses (UMKM). That is no surprise: QRIS needs no card machine, only a printed or on-screen code, and since 1 October 2026 payments up to Rp100,000 carry 0% MDR for every merchant category. Read QRIS MDR fees from 1 October 2026.
What this means for online sellers
- Your customers already have QRIS. Tens of millions of people can pay with the bank or e-wallet app they use every day, so you do not need to support each app one by one.
- Small orders are QRIS territory. Everyday purchases are exactly where QRIS is strongest and where the MDR is now often zero.
- Dynamic QRIS fits online shops best. A code with the exact amount for each order is matched to that order automatically. See static vs dynamic QRIS.
With PAYWISE you can create a dynamic QRIS for every order through one API and get a webhook when it is paid. Start with how to accept QRIS payments.
Sources: ANTARA, 6 Aug 2026, Kontan, ANTARA English, 26 Sep 2026.
