How international travelers, nomads & expats can pay with QR codes in Indonesia
A warung lunch in Canggu, a scooter rental in Ubud, a coffee in Jakarta or a batik shop in Yogyakarta: in Indonesia every one of them shows a QRIS code. Moreta Pay scans it for you, funded from your own bank or card, so you pay in rupiah without a local account and without a wallet full of zeros.
QRISComing soonMoreta Pay isn't available in Indonesia right now. We're working to switch it on, and we'll email you when it's live.
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.
Why QR code is the best way to pay in Indonesia
QR codes are how people pay in Indonesia: hold up a phone, scan the code on the counter, done. QRIS is Indonesia's single national QR code, accepted by every bank and wallet from BCA to GoPay to OVO, so one sticker covers the lot. It is on the counter at warungs, minimarts, surf schools, taxis and market stalls, and most Indonesians scan rather than pay cash.
Moreta gives you the same thing as a visitor. A scan is contactless, so there is no card to hand over and no cash to carry, and each payment costs one flat fee at the live rate instead of a foreign transaction fee and a marked-up rate from your bank at home.
The problem with paying abroad as a tourist, expat or nomad
Paying abroad with the card in your wallet is easy until it is not. Your bank may block the first charge as suspicious. When it goes through, most cards add a foreign transaction fee and convert at a rate of their choosing, and some terminals offer to charge you in your own currency at a worse one.
Cash is no better. ATMs stack your bank's withdrawal fee, the operator's fee and a poor rate, and you still end up carrying more Indonesian rupiah than you need and changing the rest back at the airport. Paying by QR from a wallet you fund yourself skips all of it: one fee, the live rate and no plastic.
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 Moreta Pay works
Moreta is a wallet on your phone that pays QRIS codes as if a local had scanned them. Set it up once, at home or on the plane, and it is ready before you land in Indonesia.
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
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Why Moreta Pay is better than alternatives
No local bank account required
Pay from the bank or card you already have. Nothing to open, nothing to close when you leave.
Seamless integration with QRIS
QRIS is Bank Indonesia's QR standard, one code for every bank and e-wallet in the country. Moreta pays it directly, showing the rupiah amount in your own currency first, so the code that a Balinese warung shows a local works for you too.
Designed for international travelers, expats & nomads
A two-week trip or a year abroad, it works the same, and what you do not spend stays for the next country.
Several accepted payment types
Top up by bank transfer in US dollars, euros, pounds, Canadian or Australian dollars, or with a card, Apple Pay, Google Pay or USDC.
Lower fees compared to cash or card alternatives
One flat fee per payment, shown before you confirm. No ATM fees, and most banks add no foreign transaction fee.
Instant, contactless QR payments
Scan, check, slide. Nothing to hand over, and the merchant is paid in seconds.
Real exchange rates
Every payment converts to Indonesian rupiah at the live rate at the moment you pay.
See today’s rate
Frequently asked questions
What travellers ask before paying by QR in Indonesia.
Showing 6 of 9 questions
More ways to pay
- QR paymentsPay the way locals do: scan the QR code on the counter and you're done.
- Pay friendsSend money to a friend on Moreta Pay for free, and it lands in their account instantly.
- Send moneySend money to family, friends or a landlord abroad from your phone.
- Bill paymentsPay your electricity, water, internet and phone bills abroad by scanning a QR code.
- Online paymentsQR codes work online too.
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