Benefit PaninMerchant
Accept QRIS Payment
Accept payments from various mobile banking applications and e-wallets through a single QR Code
Monitor Transactions
Monitor QRIS transactions through the application to help manage and streamline your business operations
Transaction Reports
View transaction history and summaries to simplify business record-keeping
One App for Your Business
Access merchant information and QRIS transaction details conveniently through a single, user-friendly application
Funds Disbursement to Your PaninBank Account
QRIS transaction funds will be disbursed directly to the merchant’s PaninBank account in accordance with the applicable terms and procedures.
Individual Category:
1. Business Owner's ID Card (e-KTP)
2. Active Mobile Phone Number
3. Product/Store Photos
4. PaninBank Account
5. Active Email Address
Business Category (PT/CV):
1. Directors' ID Cards (e-KTP)
2. Company Tax Identification Number (NPWP)
3. NIB/SIUP/TDP/Deed of Establishment (AKTA)
4. Active Mobile Phone Number
5. Product/Store Photos
6. PaninBank Account
7. Active Email Address
| Merchant Type | Category | Transaction Values | MDR(%) |
|---|---|---|---|
| Reguler | UMI | s.d. Rp.500.000,- | 0% |
| Reguler | UMI | > Rp.500.000,- | 0.3% |
| Reguler | Usaha Kecil (UKE), Usaha Menengah (UME), Usaha Besar (UBE) | s.d. Rp.100.000,- | 0% |
| Reguler | Usaha Kecil (UKE), Usaha Menengah (UME), Usaha Besar (UBE) | > Rp.100.000,- | 0.7% |
| Khusus | Pendidikan | s.d. Rp.100.000,- | 0% |
| Khusus | Pendidikan | > Rp.100.000,- | 0.6% |
| Khusus | Stasiun Pengisian Bahan Bakar Umum (SPBU) | s.d. Rp.100.000,- | 0% |
| Khusus | Stasiun Pengisian Bahan Bakar Umum (SPBU) | > Rp.100.000,- | 0.4% |
| Khusus | Badan Layanan Umum (BLU), Public Services Obligation (PSO), Government to People (G2P) seperti bantuan sosial (Bansos), People to Government (P2G), contohnya pajak, paspor, dan donasi sosial (nirlaba). | - | 0% |
MDR Calculation Simulation
Example: A customer makes a QRIS payment at a store (Small Business Category (UKE)): Rp105,000.
The store will be charged an MDR fee (0.7%): Rp105,000 x 0.7% = Rp735 (MDR fee).
Consequently, the store will receive net funds into its Bank Panin account amounting to: Rp104,265.
