QRIS for tourists: PayMoji is now live in Indonesia

By the PayMoji team

PayMoji is now live in Indonesia. From today, you can pay business QRIS codes at shops, cafés, restaurants, and stalls across the country, straight from the PayMoji app. You top up with your home card and pay in rupiah, with no Indonesian bank account needed.

One thing to know up front: PayMoji pays business QRIS codes only, the ones merchants display at the counter. It doesn't pay personal QR codes that people use to receive transfers. More on how to tell them apart below.

What's new

• Scan and pay across Indonesia: Pay any business QRIS code, from a Jakarta minimart to a beach café in Bali.
• Top up the way you already pay: Use Apple Pay, Google Pay, or your card before or during your trip.
• See the rate before you pay: PayMoji shows the exchange rate and the total, fees included, before you confirm.
• One wallet for 3 countries: The same app now pays VietQR and VNPay in Vietnam, QR Ph in the Philippines, and QRIS in Indonesia.

QRIS in numbers

QRIS (Quick Response Code Indonesian Standard) is Indonesia's national QR payment standard, run by Bank Indonesia since 2019. One code works with every Indonesian bank and e-wallet, which is why it's now on counters everywhere.

• 44.86 million merchants accept QRIS, and 96.68% of them are micro, small, and medium businesses (ANTARA, June 2026 figures).
• 65.77 million people use QRIS to pay.
• 12.55 billion QRIS payments were made in the first half of 2026, double the same period in 2025. Together they were worth Rp 600.69 trillion, about $33.5 billion (Fintech News Indonesia).
• 17 billion payments is Bank Indonesia's target for the whole of 2026, so the first half alone covered nearly three-quarters of it.

In practice, that means the warung selling nasi goreng, the surf rental shack, and the convenience store down the road are all likely to have a QRIS code on the counter.

Built for the people Indonesia welcomes every day

QRIS was built for people with an Indonesian bank account or e-wallet. For most visitors, that has meant paying the old way: cash from ATMs, or cards that can add foreign transaction fees, at counters where locals just scan and go.

That's a lot of people. Bali alone welcomed 3.2 million foreign visitors in the first half of 2026, led by Australia with 802,000, then China and India (ANTARA). Add Jakarta, Yogyakarta, Lombok, and Labuan Bajo, and millions of trips a year end at a counter with a QRIS code on it.

PayMoji lets those visitors pay the same way locals do:

• No Indonesian bank account or local e-wallet to set up.
• Your home currency in, rupiah out: top up once, and PayMoji converts when you pay.
• Fewer ATM trips: keep a little cash for the places that need it, and scan everywhere else.

Business QR only: what that means

QRIS has 2 kinds of codes, and PayMoji pays one of them.

• Business QRIS (QRIS Bayar): A shop, café, or service provider shows this code so customers can pay them. PayMoji pays these.
• Personal QRIS (QRIS Transfer): A person creates this code in their banking app to receive money from someone else. PayMoji doesn't pay these.

It's easy to tell them apart. A business QRIS code is usually printed on a sticker or stand at the counter, with the QRIS logo, the shop's name, and an NMID (National Merchant ID) number under the code. A personal code is usually shown on someone's phone screen and carries a person's name.

Most shops use business QRIS, so you'll rarely run into a personal code. If a seller shows you one, ask if they have a QRIS code for the shop, or pay with cash. Sticking to business codes also protects you. Indonesian banks and payment companies warn that scammers sometimes swap a shop's code for a personal one, so the money goes to the scammer instead of the shop.

How to pay with QRIS in PayMoji

1. Top up with Apple Pay, Google Pay, or your card. You can do this before you fly.
2. Scan the QRIS code at the counter.
3. Check the amount. Some codes already include it. For printed codes without one, type in the price in rupiah.
4. Check the rate and the total, then swipe to pay.

A few tips for paying in Indonesia

• Keep some rupiah for small stalls. Some street vendors and rural shops still take cash only.
• Look for the QRIS sticker at the counter, not a phone screen, to make sure you're paying a business code.
• Check the amount before you confirm, especially on printed codes where you type it in yourself.

Vietnam, the Philippines, and now Indonesia

Indonesia joins Vietnam and the Philippines as PayMoji's third live country, and Malaysia and Singapore are next. If Vietnam is also on your list, our guide on how to pay in Vietnam without a local bank account covers the setup there.

PayMoji is a travel wallet for Southeast Asia that lets you pay the same QR codes locals use in Vietnam, the Philippines, and Indonesia, with no local bank account needed. Download it before your trip, top up once, and you're ready to scan from the moment you land.