Indonesia just got a whole lot easier for international travelers. Moreta Pay is officially live in Indonesia, giving tourists, digital nomads and expats the ability to make seamless QR code payments across the archipelago using QRIS, Indonesia's national payment standard. Whether you're grabbing nasi goreng from a street vendor in Bali, paying for a ride in Jakarta or shopping at a local market in Yogyakarta, you can now scan and pay instantly with Moreta, no local bank account required.

Why Indonesia, and Why Now?

Indonesia is one of the fastest-growing digital payment markets in the world. QRIS, the country's unified QR code payment system developed by Bank Indonesia, has been adopted by over 50 million consumers and more than 32 million merchants nationwide. From tiny warungs and beach bars to major retail stores and transportation services, QRIS codes are everywhere.

For locals, paying with a quick scan is second nature. But for international visitors, accessing Indonesia's QR payment network has traditionally been a challenge. Most local payment apps require an Indonesian bank account or a local phone number, leaving foreigners stuck juggling cash, dealing with unfavorable ATM exchange rates and paying hefty foreign transaction fees on their credit cards.

That's exactly the gap Moreta was built to fill.

How It Works

If you're already a Moreta user, nothing changes in your workflow. The same app you use to pay in Thailand, Vietnam, the Philippines, Cambodia, Laos and Mongolia now works seamlessly in Indonesia. Here's the process:

1. Top up your Moreta wallet using your connected bank account, bank transfer or card in your home currency.

2. Scan any QRIS code displayed at a merchant using the Moreta app. You'll find these QR codes at checkout counters, on food stalls, at convenience stores, in taxis and virtually anywhere that accepts digital payments.

3. Review and confirm the payment details, including the amount in Indonesian Rupiah, the exchange rate and the merchant name.

4. Swipe to pay. Moreta handles the currency conversion instantly at competitive mid-market rates, and the merchant receives their funds in real time.

It's that simple. No fumbling with unfamiliar bills, no hunting for ATMs that accept your card and no surprise fees when you check your bank statement back home.

QRIS: Indonesia's Payment Backbone

QRIS stands for Quick Response Code Indonesian Standard. Launched by Bank Indonesia in 2019, it was designed to unify the country's previously fragmented digital payment ecosystem. Before QRIS, every payment app had its own incompatible QR codes. Now, a single standardized code works across all participating banks, digital wallets and payment providers in the country.

For travelers using Moreta, this means one scan connects you to Indonesia's entire digital payment infrastructure. Whether the merchant uses GoPay, OVO, Dana, ShopeePay or any other local payment provider on the backend, you don't need to worry about it. Moreta integrates directly with the QRIS network, so every QRIS-enabled merchant is a merchant you can pay.

Where You Can Pay

The short answer: almost everywhere. QRIS adoption has been massive across Indonesia, and you'll find QR codes in places that might surprise you. Here are just a few examples of where Moreta works in Indonesia:

• Street food vendors and warungs serving everything from satay and bakso to fresh juices and martabak

• Cafés and restaurants across Bali, Jakarta, Bandung, Surabaya and beyond

• Convenience stores like Indomaret and Alfamart

• Markets and shops in tourist areas and local neighborhoods alike

• Transportation including ride-hailing services and local transit

• Hotels, guesthouses and homestays that accept QR code payments

• Online platforms like Shopee, Lazada and Grab for delivery and e-commerce purchases

With over 40 million QRIS-enabled merchants across the country, you'll rarely encounter a situation where you can't pay with Moreta.

Save Money on Every Transaction

One of the biggest advantages of paying with Moreta in Indonesia is the savings. Traditional payment methods for travelers come with significant costs that add up quickly over the course of a trip.

ATM withdrawals in Indonesia typically carry fees from both the local bank and your home bank, plus unfavorable exchange rate markups. Credit card payments, where they're even accepted, often come with foreign transaction fees of 2 to 3 percent. And exchanging cash at airport counters or money changers? The rates are almost always worse than what you'd get with Moreta.

With Moreta Pay, you get transparent mid-market exchange rates with no hidden markups. You can see the exact rate and total cost before you confirm every transaction. Your money simply goes further.

Built for the Way You Travel

Indonesia is a country of over 17,000 islands, and travelers move through it in all kinds of ways. You might spend a week surfing in Bali, then hop to the Gili Islands, explore the temples of Java, trek through the rice terraces of Ubud or dive in Komodo. Throughout all of it, Moreta is right there in your pocket.

Because Moreta works across multiple countries in Southeast Asia, it's also the perfect companion for travelers island-hopping through the region. Pay with QRIS in Indonesia today, scan a PromptPay code in Thailand tomorrow and use QR Ph in the Philippines next week, all from the same app, the same wallet and the same account.

Getting Started

If you're planning a trip to Indonesia, getting set up with Moreta takes just a few minutes:

1. Download the Moreta app from the App Store or Google Play.

2. Create your account and verify your identity with a selfie and your passport.

3. Connect your payment method and top up your wallet.

4. Start scanning the moment you land.

We recommend setting up your account and adding funds before you travel so you're ready to pay from the moment you step off the plane.

One App, One Wallet, Across Southeast Asia

Indonesia joins Thailand, Vietnam, the Philippines, Cambodia, Laos and Mongolia in the growing list of countries where Moreta Pay is live. Our mission has always been to make paying abroad as simple as paying at home, and expanding into Indonesia, one of Southeast Asia's most popular and dynamic destinations, is a major milestone in that journey.

No more cash headaches. No more card fees. No more payment confusion. Just scan, swipe and explore.