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All Journal NOTARIUS LAW REFORM Diponegoro Law Journal Jurnal Akta Syntax Literate: Jurnal Ilmiah Indonesia Humani (Hukum dan Masyarakat Madani) Diponegoro Private Law Review Legal Standing : Jurnal Ilmu Hukum Sang Pencerah: Jurnal Ilmiah Universitas Muhammadiyah Buton Law, Development and Justice Review JURNAL PEMBANGUNAN HUKUM INDONESIA Jurnal Suara Hukum Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah Jurnal CREPIDO: Jurnal Mengenai Dasar-Dasar Pemikiran Hukum Filsafat dan Ilmu Hukum Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP) Semarang Law Review Lex Scientia Law Review
Ery Agus Priyono, Ery Agus
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Journal : Law, Development and Justice Review

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Tinjauan Yuridis Penambahan Biaya Tambahan Pada Sistem Pembayaran Quick Response Code Indonesian Standard (QRIS) Pramesti, Mutiara; Priyono, Ery Agus
Law, Development and Justice Review Vol 9, No 1 (2026): Law, Development & Justice Review
Publisher : Faculty of Law, Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/ldjr.9.2026.103-119

Abstract

The 21st century marks a massive transition toward the digital era that changes the transaction behavior of society from cash to non-cash. One of the crucial innovations in Indonesia's payment ecosystem is the implementation of the Quick Response Code Indonesian Standard (QRIS). However, the implementation of QRIS has sparked controversy regarding regulatory disparities related to the imposition of additional administrative fees or surcharges on consumers, even though, according to regulations, the Merchant Discount Rate (MDR) fee is the responsibility of the business operators. This research aims to analyze the regulatory disparities arising from the implementation of QRIS and its impact on financial transactions in Indonesia. The research method used is normative juridical with a doctrinal approach that examines legislation and positive legal norms. The research results indicate a discrepancy between Bank Indonesia's regulation prohibiting additional charges to service users and the actual practice in the field where business operators set fixed rates to protect their profit margins. On the other hand, the use of QRIS significantly impacts the operational efficiency of banking, enhances financial inclusivity for MSMEs, and creates a cashless society ecosystem that supports transaction transparency
Co-Authors Abdullah, M Adli Achmad Busro Adisena, Arya Hidayat Akinrinde, Olawale Olufemi Al Fithri, Muhammad Najiib Aminah Aminah Anindita, Puspita Apriandra, Dyva Santya Asih, Dharu Tri Asih Asyari, Fatimah Avianissa, Dhea Fanny Benuf, Kornelius Bilkis, Denisa Hafifah Budiharto Budiharto Cahyarani, Verina Rahma Carolus, Willy Hery Tri Dibyana, Donni Lukman F. X. Joko Priyono Fauzi, Fahrizal Firdaus, Muhammad Aldira Genoveva, Stephani Ghani, Anisah Almaas Gunawan, Melin Handayani, Niken Ariska Hutama, Kristian Jadidyah, Havida Kusuma, Irfan Yahya Gita Kusumaningtyas, Salma Nur Muhamad Azhar, Muhamad Muhammad Rasyid, Laila Nadifa, Anisa Natalia, Ria Evarini Natyanna, Sheila Nursafitri, Pangestika Indah Perkasa, Dipa Syamsiar Pohan, Ghiffary Akmal Alija Pramesti, Mutiara Prasetya, Muhammad Fikry Putri Nasution, Zakiyah Dwi Saputra, Dimas Almeida Satrio Sakti Nugroho, Satrio Sakti SITI MAHMUDAH Sulistyarini, Dyah Ayu Tantina, Faradilla Viore Taufiq Taufiq Teuku Muttaqin Mansur Yumna, Lonita Aini Zahra, Mutia