{"id":1378,"date":"2026-10-26T04:07:29","date_gmt":"2026-10-26T04:07:29","guid":{"rendered":"https:\/\/shopeepay.co.id\/blog\/?p=1378"},"modified":"2026-10-26T04:09:28","modified_gmt":"2026-10-26T04:09:28","slug":"aturan-mdr-qris-2026-gratis-biaya-merchant","status":"publish","type":"post","link":"https:\/\/shopeepay.co.id\/blog\/aturan-mdr-qris-2026-gratis-biaya-merchant","title":{"rendered":"Dampak Kebijakan Baru Bank Indonesia terkait QRIS untuk Bisnis Online Anda : Gratis Biaya QRIS untuk Transaksi di Bawah Rp100.000"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/help.shopee.co.id\/portal\/survey\/45d63a38f236404bbe371f5e59797d23\">Hubungi tim Sales kami<\/a> atau <a href=\"https:\/\/help.shopee.co.id\/portal\/survey\/883dc85ec2584fb4941d2cc26aeb2e5a\">daftar secara langsung<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mulai 1 Oktober 2026,<\/strong> Bank Indonesia (BI) menghapus Merchant Discount Rate (MDR) untuk transaksi QRIS senilai Rp100.000 ke bawah untuk seluruh kategori merchant, tidak hanya usaha mikro.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sebelumnya, MDR 0% pada QRIS hanya berlaku untuk <strong>Usaha Mikro (UMI)<\/strong>, dan hanya untuk transaksi hingga Rp500.000. Merchant kecil, menengah, dan besar tetap membayar MDR QRIS standar (umumnya 0,7%) pada setiap transaksi, berapa pun nilainya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berdasarkan kebijakan baru yang diumumkan BI bersama Asosiasi Sistem Pembayaran Indonesia (ASPI) pada 17 Agustus 2026:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Seluruh kategori merchant<\/strong> : kecil, menengah, dan besar akan mendapatkan<br><strong>MDR 0% untuk transaksi QRIS hingga Rp100.000<\/strong>.<\/li>\n\n\n\n<li><strong>Merchant UMI\/usaha mikro tetap mendapatkan manfaat yang sudah berjalan<\/strong>:<br>MDR 0% untuk transaksi hingga Rp500.000, tidak berubah.<\/li>\n\n\n\n<li>Transaksi <strong>di atas Rp100.000<\/strong> (atau di atas Rp500.000 untuk UMI) tetap dikenakan MDR standar yang berlaku.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"724\" src=\"https:\/\/shopeepay.co.id\/blog\/wp-content\/uploads\/2026\/10\/image-1024x724.jpeg\" alt=\"\" class=\"wp-image-1379\" style=\"aspect-ratio:1.4149659863945578;width:624px;height:auto\" srcset=\"https:\/\/shopeepay.co.id\/blog\/wp-content\/uploads\/2026\/10\/image-1024x724.jpeg 1024w, https:\/\/shopeepay.co.id\/blog\/wp-content\/uploads\/2026\/10\/image-300x212.jpeg 300w, https:\/\/shopeepay.co.id\/blog\/wp-content\/uploads\/2026\/10\/image-767x543.jpeg 767w, https:\/\/shopeepay.co.id\/blog\/wp-content\/uploads\/2026\/10\/image.jpeg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Strategi ini adalah perluasan yang menyasar transaksi bernilai kecil harian bisnis F&amp;B, ritel, dan jasa<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Mengapa Bank Indonesia Melakukan Ini<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">BI menyebut langkah ini sebagai bagian dari <strong>Blueprint Sistem Pembayaran Indonesia (BSPI) 2030<\/strong> dan upaya mendorong ekonomi digital yang lebih inklusif. Tujuan yang disampaikan antara lain:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Meringankan beban biaya transaksi bagi merchant, terutama yang memiliki volume tinggi transaksi bernilai kecil<\/li>\n\n\n\n<li>Mendorong adopsi QRIS sebagai metode pembayaran utama masyarakat<\/li>\n\n\n\n<li>Menopang daya beli masyarakat di tengah dinamika ekonomi<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Apa Artinya untuk Bisnis Anda<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Jika sebagian besar nilai transaksi Anda sudah berada di bawah Rp100.000, kebijakan ini langsung meningkatkan pendapatan bersih per transaksi Anda, tanpa lagi terpotong MDR untuk transaksi kecil. Bisnis yang paling merasakan dampaknya:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gerai F&amp;B, kafe, dan pedagang makanan kaki lima<\/li>\n\n\n\n<li>Toko ritel dan minimarket<\/li>\n\n\n\n<li>Layanan harian (transportasi, laundry, dll.)<\/li>\n\n\n\n<li>Merchant mana pun dengan volume tinggi transaksi QRIS bernilai kecil<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Bagaimana AirPay Payment Gateway Mendukung Kebijakan Ini<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">AirPay PG adalah <strong>payment gateway berlisensi Bank Indonesia dan terdaftar di KOMDIGI<\/strong>, sehingga penerimaan QRIS melalui platform kami tunduk pada dan akan sepenuhnya menerapkan kebijakan ini. Bagi merchant yang menggunakan AirPay Payment Gateway, artinya:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tidak perlu penyesuaian integrasi apa pun.<\/strong> Ambang batas MDR 0% untuk transaksi QRIS yang memenuhi syarat akan berlaku otomatis begitu kebijakan ini efektif per 1 Oktober 2026.<\/li>\n\n\n\n<li>Merchant tetap memiliki visibilitas penuh atas biaya dan penyelesaian dana melalui <strong>dashboard transaksi real-time<\/strong> AirPay PG, sehingga Anda dapat melihat transaksi mana yang memenuhi syarat MDR 0% dan memantau dampaknya terhadap pendapatan bersih.<\/li>\n\n\n\n<li>Proses settlement tetap berjalan sesuai siklus otomatis standar AirPay PG pada D+1, tanpa perlu rekonsiliasi manual akibat perubahan biaya ini<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bagi merchant yang sedang mempertimbangkan penyedia payment gateway, <strong>perubahan kebijakan biaya QRIS berlaku di level jaringan pembayaran nasional<\/strong>, sehingga pembeda sesungguhnya antar penyedia bukan pada MDR QRIS itu sendiri&nbsp; melainkan pada kemudahan integrasi, kecepatan settlement, visibilitas dashboard, dan dukungan layanan. Di sinilah AirPay Payment Gateway unggul dengan model tanpa biaya integrasidan hosted payment page.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hubungi tim Sales kami atau daftar secara langsung Mulai 1 Oktober 2026, Bank Indonesia (BI) menghapus Merchant Discount Rate (MDR) untuk transaksi QRIS senilai Rp100.000 ke bawah untuk seluruh kategori merchant, tidak hanya usaha mikro.&nbsp; Sebelumnya, MDR 0% pada QRIS hanya berlaku untuk Usaha Mikro (UMI), dan hanya untuk transaksi hingga Rp500.000. Merchant kecil, menengah, [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":1382,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[62],"tags":[],"class_list":["post-1378","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-airpay"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Aturan MDR QRIS 2026: Gratis Biaya hingga Rp100.000<\/title>\n<meta name=\"description\" content=\"Simak aturan baru MDR QRIS 0% untuk transaksi hingga Rp100.000, manfaatnya bagi merchant, dan kemudahan pembayaran melalui AirPay Payment Gateway.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/shopeepay.co.id\/blog\/aturan-mdr-qris-2026-gratis-biaya-merchant\" 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