Jakarta, CMNexus. Wisatawan asing yang makan di warung di kawasan wisata kini makin sering membayar tanpa menukar uang tunai. Mereka cukup memindai kode QR yang sama dengan yang dipakai pelanggan lokal, lalu dana masuk ke rekening pedagang dalam rupiah.
Bank Indonesia (BI) mencatat, sejak QRIS Antarnegara diterapkan pada 2022 hingga Agustus 2026, transaksi wisatawan mancanegara di Indonesia (inbound) mencapai 17,8 juta transaksi dengan nilai Rp6,20 triliun. Dari sisi sebaliknya, wisatawan Indonesia di enam negara mitra mencatat 5 juta transaksi senilai Rp1,85 triliun. Artinya, nilai transaksi yang masuk ke Indonesia lebih besar Rp4,60 triliun dibandingkan yang keluar (net inbound).
"Sejak 2022 hingga Agustus 2026, QRIS Antarnegara telah terhubung dengan enam negara," kata Deputi Gubernur Bank Indonesia Filianingsih Hendarta dalam siaran pers BI, 26 September 2026. Keenam negara itu adalah Thailand, Malaysia, Singapura, Jepang, Korea Selatan, dan Tiongkok.
Pembeli Baru di Kanal yang Sudah Dipakai Pedagang
Yang membuat cerita ini relevan bagi pelaku usaha kecil bukan hanya nilai transaksinya, melainkan kenyataan bahwa QRIS telah dipakai oleh 45,46 juta merchant pada Juli 2026 dan 96,69 persen di antaranya adalah usaha mikro, kecil, dan menengah (UMKM). Data itu dipaparkan BI dalam siaran pers yang dikutip Kontan, 22 September 2026.
Dengan kata lain, infrastruktur pembayaran yang sudah dipakai pedagang untuk melayani pelanggan sehari-hari ternyata bisa menerima tamu dari luar negeri. BI menyatakan perluasan konektivitas ini membuka peluang lebih besar bagi UMKM Indonesia untuk melayani wisatawan mancanegara tanpa harus membangun sistem pembayaran baru.
Peluang itu tidak kecil. BI mencatat kunjungan wisatawan mancanegara ke Indonesia mencapai 15,39 juta kunjungan pada 2025. Sebanyak 60,23 persen di antaranya datang dari negara yang belum tercakup layanan QRIS Antarnegara.
Indonesia Travel Pack: Menjembatani Turis dari Negara yang Belum Terhubung
Untuk merangkul wisatawan dari negara yang belum masuk cakupan QRIS Antarnegara, BI bersama para mitra menginisiasi Indonesia Travel Pack 2026 pada 26 September 2026, dalam rangkaian Festival Ekonomi Keuangan Digital Indonesia dan Indonesia Fintech Summit & Expo (FEKDI x IFSE) 2026 di Jakarta.
Indonesia Travel Pack tersedia sebagai e-book panduan digital yang menyatukan informasi destinasi, konektivitas telekomunikasi, serta pilihan layanan pembayaran yang bisa dipakai wisatawan selama berada di Indonesia. Wisatawan dapat mengaksesnya dengan memindai kode QR di berbagai titik sentuh pengunjung atau melalui kanal Indonesia Travel Pack milik Kementerian Pariwisata.
"Indonesia Travel Pack membantu wisatawan dari negara yang belum tercakup dalam layanan QRIS Antarnegara dalam memilih layanan pembayaran yang akan digunakan untuk bertransaksi selama berada di Indonesia," ujar Deputi Gubernur Senior BI Aida S. Budiman.
Wakil Menteri Ekonomi Kreatif Irene Umar menambahkan, kemudahan pembayaran menentukan seberapa besar kunjungan wisatawan berdampak ke usaha kecil. Menurutnya, sinergi lintas lembaga diperlukan "untuk membuka peluang usaha yang lebih luas bagi pelaku ekonomi kreatif dan UMKM Indonesia".
Yang Perlu Diketahui Pedagang
Bagi pemilik usaha, aturan main QRIS Antarnegara cukup sederhana dan sebagian besar tidak menuntut langkah teknis baru:
- Tanpa pendaftaran baru. Merchant di Indonesia dapat menerima pembayaran dari wisatawan negara mitra memakai QRIS yang sudah dimiliki. BI menyarankan pedagang mengonfirmasi ke penyedia jasa pembayaran (PJP) masing-masing apakah akunnya sudah memfasilitasi transaksi ini.
- Masuk sebagai rupiah. Meskipun wisatawan membayar dengan aplikasi dari negaranya, pedagang menerima dana dalam rupiah sesuai nominal yang ditagihkan. Kurs dikonversi langsung dan transaksi terkonfirmasi secara real-time.
- Tidak ada biaya khusus. BI menyatakan pedagang tidak dikenakan biaya tambahan untuk menerima transaksi QRIS Antarnegara; besaran biaya mengikuti skema Merchant Discount Rate (MDR) yang berlaku untuk transaksi domestik.
- Batas nilai transaksi. Limit transaksi QRIS Antarnegara sama dengan QRIS domestik, yaitu Rp10 juta per transaksi.
Sebagai catatan kebijakan, BI juga memperluas pembebasan MDR QRIS 0 persen mulai 1 Oktober 2026: transaksi usaha mikro (UMI) sampai Rp500.000 tetap bebas biaya, dan pembebasan itu diperluas ke seluruh kategori merchant untuk transaksi sampai Rp100.000.
Diakui Dunia, tetapi Tetap Soal Disiplin Usaha
Capaian QRIS Antarnegara mendapat pengakuan internasional berupa 50-in-5 Awards 2026 kategori Kolaborasi dari Digital Public Goods Alliance dan Co-Develop. Penghargaan itu diserahkan pada rangkaian 50-in-5 Milestone Event di Sidang Majelis Umum PBB ke-81 di New York, 21 September 2026.
"Technology sets the pace. Collaboration sets the direction," kata Filianingsih.
Bagi pedagang, manfaat praktisnya tetap bertumpu pada hal-hal dasar: memastikan kode QR mudah terlihat, mengedukasi karyawan cara memeriksa notifikasi transaksi, dan merapikan pencatatan penjualan harian. Pembayaran digital membuat pemasukan tercatat lebih tertib sehingga pemilik usaha bisa membaca pola penjualan dan mengambil keputusan berbasis angka, bukan perkiraan.
Dengan konektivitas yang terus diperluas BI ke negara mitra potensial, peluang pelanggan asing di usaha kecil bukan lagi soal keberuntungan lokasi, tetapi soal kesiapan menerima mereka. Bagi UMKM di kawasan wisata, menyiapkan meja, kode QR, dan pencatatan yang rapi hari ini adalah cara paling murah untuk ikut menikmati belanja turis besok.
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Jakarta, CMNexus. Foreign tourists dining at local food stalls in tourist destinations are increasingly paying without exchanging cash. They simply scan the same QR code used by local customers, and funds are deposited into the merchant's account in rupiah.
Bank Indonesia (BI) recorded that from the rollout of Cross-Border QRIS in 2022 through August 2026, inbound transactions by international tourists in Indonesia reached 17.8 million transactions valued at Rp6.20 trillion. Conversely, Indonesian travelers across six partner countries logged 5 million transactions worth Rp1.85 trillion. This leaves a net inbound surplus of Rp4.60 trillion flowing into Indonesia.
"From 2022 to August 2026, Cross-Border QRIS has connected with six countries," said Bank Indonesia Deputy Governor Filianingsih Hendarta in a BI press release on 26 September 2026. The six partner countries are Thailand, Malaysia, Singapore, Japan, South Korea, and China.
New Customers on Channels Merchants Already Use
What makes this milestone significant for small business owners is not merely the transaction volume, but the reality that QRIS was adopted by 45.46 million merchants as of July 2026, with 96.69 percent classified as micro, small, and medium enterprises (MSMEs). This data was disclosed by BI in a press release cited by Kontan on 22 September 2026.
In other words, the payment infrastructure that merchants already use to serve everyday patrons can readily accept guests from abroad. BI stated that expanding this cross-border connectivity offers Indonesian MSMEs greater opportunities to cater to international tourists without needing to build new payment systems.
The potential is substantial. BI noted that foreign tourist arrivals to Indonesia reached 15.39 million visits in 2025. Up to 60.23 percent of those visitors came from countries not yet integrated into the Cross-Border QRIS network.
Indonesia Travel Pack: Bridging Tourists from Unconnected Countries
To accommodate visitors from countries outside the Cross-Border QRIS coverage, BI and its partners initiated the Indonesia Travel Pack 2026 on 26 September 2026, during the Indonesia Digital Economy and Financial Festival and Indonesia Fintech Summit & Expo (FEKDI x IFSE) 2026 in Jakarta.
The Indonesia Travel Pack is available as a digital guide e-book that consolidates destination information, telecommunications connectivity, and payment service options that travelers can use throughout their stay in Indonesia. Tourists can access the pack by scanning QR codes at various visitor touchpoints or via the Ministry of Tourism's Indonesia Travel Pack channels.
"The Indonesia Travel Pack assists tourists from countries not yet covered by Cross-Border QRIS in selecting payment services to conduct transactions during their stay in Indonesia," said BI Senior Deputy Governor Aida S. Budiman.
Deputy Minister of Creative Economy Irene Umar added that ease of payment plays a decisive role in determining how significantly tourism spending benefits small businesses. According to Umar, cross-agency synergy is critical "to open wider business opportunities for creative economy actors and Indonesian MSMEs."
What Merchants Need to Know
For business owners, the operating rules of Cross-Border QRIS are straightforward and generally require no new technical steps:
- No new registration. Merchants in Indonesia can accept payments from tourists from partner countries using their existing QRIS codes. BI advises merchants to verify with their respective payment service providers (PJPs) whether their accounts are enabled for cross-border transactions.
- Settled in rupiah. Even though visitors pay via digital wallets or banking apps from their home countries, merchants receive settlements in rupiah matching the billed amount. Exchange rates are converted automatically, and transactions are confirmed in real time.
- No specialized fees. BI stated that merchants face no additional surcharges for accepting Cross-Border QRIS payments; transaction fees adhere to the standard Merchant Discount Rate (MDR) scheme applied to domestic transactions.
- Transaction ceiling. The transaction limit for Cross-Border QRIS matches domestic QRIS rules, capped at Rp10 million per transaction.
As a policy note, BI is also expanding its 0 percent QRIS MDR exemption starting 1 October 2026: micro-enterprise (UMI) transactions up to Rp500,000 remain free of charge, while the exemption is broadened to all merchant categories for transactions up to Rp100,000.
Globally Recognized, but Rooted in Operational Discipline
The achievements of Cross-Border QRIS gained international recognition through the 2026 50-in-5 Award in the Collaboration category from the Digital Public Goods Alliance and Co-Develop. The award was presented during the 50-in-5 Milestone Event on the sidelines of the 81st UN General Assembly in New York on 21 September 2026.
"Technology sets the pace. Collaboration sets the direction," Filianingsih said.
For merchants, practical success still depends on mastering the fundamentals: ensuring QR codes are placed prominently, training frontline employees to verify transaction alerts, and keeping disciplined daily sales logs. Digital payments ensure revenue is tracked systematically, enabling business owners to identify sales patterns and make decisions based on concrete figures rather than guesswork.
With BI continuously expanding connectivity to prospective partner nations, capturing foreign customer demand is no longer just a matter of geographic luck, but of operational readiness. For MSMEs in tourism hubs, setting up tables, displaying QR codes, and maintaining orderly bookkeeping today represent the most cost-effective way to participate in tourist spending tomorrow.
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