Indonesia · National QR standard
Coming soon to Moreta Pay
QRIS, with Moreta: coming soon
Not yet, but soon. Moreta Pay is working to switch on QRIS payments in Indonesia. When it’s live you’ll pay QRIS codes from the bank or card you already have, with no Indonesian bank account. Leave your email and we’ll tell you the day it happens.
The network
What is QRIS?
QRIS (Quick Response Code Indonesian Standard) is Indonesia’s national QR payment standard, set by Bank Indonesia and launched in 2019. One QRIS code at a shop can be paid from any Indonesian bank or e-wallet app, such as GoPay, OVO or DANA.
- Country
Indonesia- Currency
- Indonesian rupiah (IDR)
- Type
- National QR standard
- Run by
- Bank Indonesia
- How locals pay
- They scan the code with their own bank or wallet app
- With Moreta
- Coming soon
How to spot it
A QR display with the QRIS logo and the GPN logo, plus the merchant’s name and ID.
Can tourists pay QRIS?
QRIS is paid from a Indonesian bank or wallet app, so a code on the counter needs an account opened in Indonesia. A card from home can’t pay the code on the counter, and opening a local account takes paperwork a visit rarely leaves time for.
Moreta closes that gap. It pays the QRIS code itself, from a balance you top up with your own bank, card, Apple Pay or Google Pay, and converts at the live rate at the moment you pay. One flat fee, shown before you slide to pay.
Card or cash
- A foreign transaction fee on most cards
- Your bank's rate, or the terminal's worse one
- ATM fees from your bank and the operator
- Leftover Indonesian rupiah to change back
Moreta
- One flat fee, shown before you slide to pay
- The live rate at the moment you pay
- No ATM and no card to hand over
- What you do not spend stays for the next country
How to pay a QRIS code
Set Moreta up once, at home or on the plane. After that, paying a QRIS code in Indonesia is a scan and a slide.
01Verify your identity
Download Moreta, scan your passport and take a selfie. Verification usually takes a few minutes, and your account can move money as soon as it passes.
- 02
Load funds to your Moreta Pay wallet
Link a US bank through Plaid, or send a SEPA, Faster Payments, Interac or PayID transfer. Cards, Apple Pay, Google Pay and USDC work too, and you can top up from the road.
- 03
Scan QR codes at local shops & restaurants
Tap Scan and point your camera at the QRIS code on the counter. Moreta reads it the way a Indonesian bank app would.
- 04
Get seamless payments on the go
Check the amount in Indonesian rupiah, what it costs in your own currency and the fee, then slide to pay. The merchant sees the payment in their own app the moment it clears.
USD
EUR
GBP
CAD
AUD
Costs, limits and tips
Paying in Indonesia
- Transaction fee
- 1.5%per payment, at the live rateEvery fee
- Exchange rate today
- 16,820IDRfor 1 USDLive rate, updated recentlyCompare rates
- Max payment
- 2MIDRabout 119 USD
- Weekly limit
- 100MIDRabout 5,950 USD
The app always shows the live rate and the exact cost before you pay.
Guide updated
Local tips
- Look for the QRIS mark. It is the one code every bank and wallet in Indonesia shares.
- Keep small rupiah notes for parking, temple donations and rural stalls without a signal.
- Get a local SIM or an eSIM on arrival. Data is cheap, and scanning needs it.
QRIS questions
What visitors ask before paying QRIS in Indonesia.
Showing 6 of 9 questions
Activate your Moreta Pay account before your trip
Set up Moreta, add money and land in Indonesia ready to scan. No cash to change, no card to worry about, and one flat fee at the live rate on every payment.
Also works in 
Vietnam, 
Thailand, 
the Philippines, 
Laos, 
Malaysia, and 10 more countries