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All Journal Jurnal Hukum Lex Generalis
JAE WOO KO
Fakultas Hukum, Universitas Indonesia
Law, Crime, Criminology & Criminal Justice

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Larangan Pembebanan Merchant Discount Rate QRIS Kepada Konsumen dalam Perspektif Hukum Ekonomi Digital JAE WOO KO
Jurnal Hukum Lex Generalis Vol 7 No 4 (2026): Tema Hukum Perdata dan Kenotariatan
Publisher : Himpunan Ilmu Hukum dan Ilmu Hukum Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56370/jhlg.v7i4.3648

Abstract

The development of QRIS as a digital payment instrument provides convenience for consumers and merchants. However, some merchants still charge Merchant Discount Rate or QRIS administration fees to consumers. This study examines MDR regulation, the phenomenon of additional QRIS charges and its legal implications from the perspective of digital economic law. This research uses a normative juridical method with statutory, conceptual and limited comparative approaches. The study concludes that charging MDR to consumers is inconsistent with price transparency, consumer protection and legal certainty in digital payment systems.
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