Sesimpel Ini Tahu Pembayaran QRIS Biaya 0,3%

--

Kalian terutama kaum cashless pasti ga asing lagi dengan sistem pembayaran berbasis barcode seperti pembayaran QRIS. 

Nah, mulai 1 Juli 2023 kemarin MDR QRIS mikro memberlakukan biaya layanan sebesar 0,3%. 

Tapi, ternyata potongan 0,3% ini justru memberatkan para pengusaha kecil. 

Kira-kira … gimana sih sistemnya?

Mengenal QRIS 

QRIS atau  Quick Response Code Indonesian Standard adalah penyatuan berbagai macam QR dari berbagai Penyelenggara Jasa Sistem Pembayaran (PJSP) menggunakan QR Code.

QRIS di kembangkan oleh industri sistem pembayaran bersama Bank Indonesia agar proses transaksi dengan QR Code menjadi lebih mudah, cepat, dan terjaga keamanannya. 

Nah, semua Penyelenggara Jasa Sistem Pembayaran yang akan menggunakan QR Code Pembayaran wajib menerapkan QRIS. 

Tujuan Pemberlakuan Biaya Layanan Untuk Pembayaran QRIS

Adanya penyesuaian besaran MDR pada layanan QRIS bagi usaha mikro ini merupakan upaya untuk meningkatkan layanan dan efisiensi transaksi sistem pembayaran digital serta perluasan ekosistem ekonomi keuangan digital di Indonesia.

Bahkan, di sebutkan juga bahwa Bank Indonesia sama sekali tidak mendapatkan keuntungan dari pengenaan biaya layanan jasa ini. 

Tapi, sebenarnya apa sih MDR?

Merchant Discount Rate

MDR (Merchant Discount Rate) adalah tarif yang wajib di bayarkan merchant pada bank sebagai biaya transaksi dalam penggunaan layanan QRIS. Besarnya MDR dan distribusi MDR di tetapkan tersendiri oleh BI.

Gubernur Bank Indonesia Bapak Perry Warjiyo ada sedikit penyesuaian tarif Merchant Discount Rate (MDR) QRIS bagi merchant usaha mikro yang sebelumnya di gratiskan menjadi 0,3%. 

Tapi tau ga sih, ternyata tarif baru MDR QRIS sekarang masih di bawah ketentuan lama loh, yang seharusnya di kenakan 0,7% bagi merchant.

Adopsi Pembayaran QRIS 

BI mencatat transaksi sistem pembayaran terus naik dengan layanan pembayaran digital yang semakin meningkat.

Saat ini adopsi QRIS semakin meluas tercermin pada penambahan jumlah pengguna mencapai 35,80 juta dan merchant QRIS mencapai 26,1 juta dengan total volume transaksi sebesar 744 juta.

Seberapa Besar Dampak Kerugiannya?

Coba kita ambil suatu kasus misalnya Mba Santi membeli semangkuk bakso seharga Rp.12.000 di Warung Mas Kemin yang sebenarnya harga pokok produksi dari bakso tersebut adalah Rp.5.000

Maka, 0,3% x Rp.12.000 = Rp.36

Rp.12.000 – Rp.36 = Rp.11.964

Jadi, saldo yang masuk ke warung tersebut adalah Rp.11.964. Dan Mas Kemin masih mendapatkan untung sebesar Rp.6.964. Menurut kalian apakah sebanding merelakan Rp.36 untuk ikut berkontribusi meningkatkan layanan QRIS? atau merugikan? 

Apa kata hukum? 

Ternyata ada hukum yang memberlakukan larangan pembebanan biaya ini ke konsumen loh! Menurut pasal 52 ayat 1 PBI 23/6/PBI/2021 tentang Penyedia Jasa Pembayaran (PJP) di sebutkan bahwa:

“Penyedia Barang dan/atau Jasa dilarang mengenakan biaya tambahan (surcharge) kepada Pengguna Jasa atas biaya yang di kenakan oleh PJP kepada Penyedia Barang dan/atau Jasa” 

Jadi, kita sebagai konsumen ga perlu khawatir lagi nih saat memakai layanan QRIS karena udah ada aturan yang melarangnya.

Kesimpulan

Pak Erwin kembali menegaskan bahwa,

“Dengan kualitas layanan, inovasi dan keandalan QRIS yang lebih baik, akan mendukung kegiatan ekonomi pedagang usaha mikro, yang pada akhirnya akan semakin meningkatkan adopsi QRIS,” 

Bank Indonesia yakin kebijakan ini sudah di pertimbangkan dan menjadi keputusan yang paling efisien. Tapi gimana menurut kalian? Yuk share tanggapan kalian di kolom komentar!

Sumber: https://finance.detik.com/berita-ekonomi-bisnis/d-6824108/perhitungan-biaya-qris-03-dagangan-laku-rp-10-ribu-dipotong-rp-30

Penulis:

Kategori: Keuangan

Join the Conversation

145 Comments

  1. Balas
  2. Balas
  3. Balas
  4. Balas
  5. Balas
  6. Balas
  7. Balas
  8. Balas
  9. Balas
  10. Balas
  11. Balas
  12. Balas
  13. Balas
  14. Balas
  15. Balas
  16. Balas
  17. Balas

  18. Home inspectors agree that a clean, seamless gutter line is a small upgrade that prevents thousand‑dollar foundation repairs down the road. With rain coming sideways across Commencement Bay, hidden drip‑edge flashing stops water from sneaking behind the fascia and into your attic insulation. Beaufort’s notoriously unpredictable rain makes high-capacity seamless gutters an absolute must for any homeowner who wants long‑term protection and peace of mind.

    Balas
  19. Balas
  20. Balas
  21. Balas
  22. Balas
  23. Balas
  24. Balas
  25. Balas
  26. Balas
  27. Balas
  28. Balas
  29. Balas
  30. Balas
  31. Balas
  32. Balas
  33. Balas
  34. Balas
  35. Balas
  36. Balas
  37. Balas

  38. Proper downspout extensions send runoff well past your flowerbeds so you spend weekends gardening instead of dealing with muddy erosion trenches. With rain coming sideways across Commencement Bay, hidden drip‑edge flashing stops water from sneaking behind the fascia and into your attic insulation. Because we’re veteran‑owned we show up on time, measure twice, and treat every property with the kind of respect we learned back in basic training.

    Balas
  39. Balas
  40. Balas
  41. Balas
  42. Balas
  43. Balas
  44. Balas
  45. Balas
  46. Balas
  47. Balas
  48. Balas
  49. Balas
  50. Balas
  51. Balas
  52. Balas
  53. Balas
  54. Balas
  55. Balas
  56. Balas
  57. Balas
  58. Balas
  59. Balas
  60. Balas
  61. Balas
  62. Balas
  63. Balas
  64. Balas
  65. Balas

  66. Local building codes here in Pierce County require you to manage runoff responsibly, so a properly sloped gutter system keeps foundations safe and neighbors happy. Investing in quality gutters is like buying the good umbrella—it costs a bit more up front but saves you from soaking through your socks every single storm. Annual tune‑ups are available; we flush, reseal corners and adjust hangers so your system keeps working even after the roughest winter freeze–thaw cycles.

    Balas

  67. Welcome to NanoDefense Pro is the official website of a powerful supplement that is an advanced skincare and nail support formula that uses cutting-edge nanotechnology to rejuvenate and restore health from within.

    Balas
  68. Balas

  69. Taking hormone medication may also enhance the number of moles that seem in your body. They may possibly even continue to appear long soon after you’ve got stopped the medication as your physique needs time for you to revert back again to its normal state.

    Balas
  70. Balas
  71. Balas
  72. Balas
  73. Balas

  74. Within the present day culture look at Language is now a whole lot even more necessary and in addition well-known. Yet once i has long been younger, My spouse and i failed to comprehend with this as well as determine to like exterior instead of realize Language. Nevertheless my private mommy stated: “English can be the essential tools for being capable to consult with foreign most people, and which means it’s essential to analyze within a Language school.

    Balas

  75. Appreciating the persistence you put into your website and detailed information you offer. It’s good to come across a weblog every once in a while that isn’t the same old rehashed material. Great read! I have bookmarked your site and I am adding your RSS feeds to my Google account.

    Balas
  76. Balas

  77. It’s unique to see a proficient to that you could get quite a few hope. Across the world in recent times, brimming with absolutely loves appearing many more what you need in this particular factor. The right way fortuitous I’m just of having then learned this type wonderful page simply because this. It happens to be individuals like you that leave an actual discrepancy actively past the plans the companies show.

    Balas
  78. Balas
  79. Balas

  80. My wife and i have been really joyous that Edward could conclude his investigations from your precious recommendations he had while using the site. It is now and again perplexing to simply continually be giving for free information which some other people have been selling. We really take into account we’ve got the writer to appreciate because of that. The entire illustrations you’ve made, the straightforward blog menu, the friendships you will make it possible to instill – it is all astounding, and it’s really assisting our son in addition to us do think that subject matter is interesting, which is really pressing. Thank you for all!

    Balas

  81. I’m truly enjoying the design and layout of your website. It’s a very easy on the eyes which makes it much more pleasant for me to come here and visit more often. Did you hire out a designer to create your theme? Outstanding work!

    Balas

  82. The subsequent time I learn a weblog, I hope that it doesnt disappoint me as a lot as this one. I imply, I know it was my option to read, but I actually thought youd have one thing interesting to say. All I hear is a bunch of whining about one thing that you can fix in case you werent too busy searching for attention.

    Balas
  83. Balas

  84. Oh my goodness! a fantastic post dude. Thanks Nevertheless My business is experiencing issue with ur rss . Don’t know why Not able to sign up for it. Possibly there is any person obtaining identical rss difficulty? Anyone who knows kindly respond. Thnkx

    Balas

  85. Wow, fantastic blog format! How lengthy have you been running a blog for? you make running a blog glance easy. The overall glance of your website is great, let alone the content material!

    Balas

  86. Oh my goodness! Awesome article dude! Thanks, However I am encountering problems with your RSS. I don’t understand the reason why I can’t join it. Is there anybody else having the same RSS issues? Anybody who knows the solution will you kindly respond? Thanx!

    Balas

  87. Roll‑forming gutters right in your driveway means each section is one continuous piece—no leaky joints, no wasted metal, no compromises on quality. Annual tune‑ups are available; we flush, reseal corners and adjust hangers so your system keeps working even after the roughest winter freeze–thaw cycles. Proper downspout extensions send runoff well past your flowerbeds so you spend weekends gardening instead of dealing with muddy erosion trenches.

    Balas
  88. Balas

  89. Can I just say what a relief to discover someone who really understands what they are talking about on the net. You actually understand how to bring a problem to light and make it important. A lot more people should look at this and understand this side of the story. It’s surprising you aren’t more popular because you surely have the gift.

    Balas
  90. Balas

  91. After going over a handful of the blog articles on your site, I truly appreciate your technique of writing a blog. I book marked it to my bookmark website list and will be checking back soon. Please check out my website as well and let me know how you feel.

    Balas

  92. I seriously love your blog.. Excellent colors & theme. Did you make this web site yourself? Please reply back as I’m planning to create my own personal website and want to know where you got this from or exactly what the theme is named. Cheers.

    Balas
  93. Balas
  94. Balas
  95. Balas
  96. Balas
  97. Balas

  98. I absolutely love your blog.. Excellent colors & theme. Did you make this web site yourself? Please reply back as I’m looking to create my very own site and want to learn where you got this from or exactly what the theme is called. Thanks!

    Balas
  99. Balas
  100. Balas
  101. Balas
  102. Balas
  103. Balas
  104. Balas

  105. I have to thank you for the efforts you have put in penning this blog. I really hope to view the same high-grade content from you in the future as well. In fact, your creative writing abilities has motivated me to get my own, personal site now 😉

    Balas
  106. Balas
  107. Balas

  108. Howdy! I know this is kind of off topic but I was wondering if you knew where I could find a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having trouble finding one? Thanks a lot!

    Balas
  109. Balas
  110. Balas
  111. Balas
  112. Balas
  113. Balas
  114. Balas

  115. Greetings, I do think your website might be having internet browser compatibility problems. When I take a look at your blog in Safari, it looks fine however, if opening in IE, it’s got some overlapping issues. I just wanted to give you a quick heads up! Aside from that, wonderful blog.

    Balas
  116. Balas
  117. Balas
  118. Balas

  119. An outstanding share! I’ve just forwarded this onto a colleague who has been doing a little homework on this. And he actually ordered me lunch due to the fact that I found it for him… lol. So allow me to reword this…. Thank YOU for the meal!! But yeah, thanx for spending some time to talk about this subject here on your web site.

    Balas
  120. Balas
  121. Balas
  122. Balas
  123. Balas
  124. Balas

  125. An impressive share! I have just forwarded this onto a co-worker who has been conducting a little research on this. And he actually ordered me breakfast because I found it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanx for spending time to discuss this topic here on your website.

    Balas

  126. I’m amazed, I must say. Rarely do I come across a blog that’s both equally educative and entertaining, and without a doubt, you have hit the nail on the head. The issue is something too few people are speaking intelligently about. Now i’m very happy that I stumbled across this during my hunt for something concerning this.

    Balas
  127. Balas

  128. After looking over a number of the articles on your web site, I really like your way of writing a blog. I saved as a favorite it to my bookmark webpage list and will be checking back in the near future. Take a look at my website too and let me know how you feel.

    Balas

  129. Good day! I just wish to give you a huge thumbs up for the excellent information you have right here on this post. I’ll be returning to your website for more soon.

    Balas
  130. Balas

  131. Hi there, I believe your website could be having browser compatibility problems. Whenever I look at your site in Safari, it looks fine however when opening in IE, it has some overlapping issues. I just wanted to provide you with a quick heads up! Apart from that, fantastic site.

    Balas

  132. I really love your blog.. Excellent colors & theme. Did you build this website yourself? Please reply back as I’m hoping to create my own personal website and would like to know where you got this from or what the theme is called. Cheers!

    Balas
  133. Balas

  134. Can I simply say what a comfort to uncover somebody that really knows what they’re discussing online. You actually know how to bring a problem to light and make it important. More people need to read this and understand this side of your story. I was surprised that you are not more popular given that you most certainly have the gift.

    Balas

  135. When I initially commented I seem to have clicked on the -Notify me when new comments are added- checkbox and now each time a comment is added I receive 4 emails with the same comment. Is there a way you are able to remove me from that service? Thanks a lot.

    Balas

  136. Howdy! This blog post could not be written much better! Reading through this article reminds me of my previous roommate! He constantly kept talking about this. I am going to forward this post to him. Fairly certain he’ll have a great read. Thanks for sharing!

    Balas
  137. Balas
  138. Balas
  139. Balas
  140. Balas

  141. May I just say what a comfort to uncover somebody that truly knows what they are discussing over the internet. You actually know how to bring a problem to light and make it important. A lot more people should check this out and understand this side of the story. I was surprised you aren’t more popular because you definitely have the gift.

    Balas

  142. I blog quite often and I truly thank you for your information. This article has truly peaked my interest. I am going to take a note of your site and keep checking for new information about once a week. I subscribed to your RSS feed too.

    Balas
  143. Balas
  144. Balas
  145. Balas
Leave a comment

Alamat email Anda tidak akan dipublikasikan.

Berita Terkait

Tips Mengatur Keuangan Mahasiswa Rantau
21:48
Sesimpel Ini Jadi Konsisten dalam Hal Apapun
12:10
Sesimpel Ini Paham 3 Metode Survive Keuangan
11:57
Sesimpel Ini Butterfly Effect, Awal Mula Peristiwa Besar Dunia
10:56
Sesimpel Ini Hidup Minimalis demi Jaga Produktivitas Kamu
17:16
Sesimpel Ini Tahu Gaji UMR VS Biaya Hidup 10 Kota di Indonesia!
16:42
Link berhasil disalin