A 2025 survey shows > 70% of F&B transactions in Indonesia already use QRIS. In bakeries where young customers dominate, the number can be higher. If your cashier doesn't support QRIS smoothly, you're losing customers, not just a payment method.
1. Official QRIS, Not a Third Party
Make sure the POS connects directly to Bank Indonesia's QRIS system, not via a third-party aggregator that takes extra fees. Official integration usually only incurs the government-subsidized official MDR.
Check: does money land in your bank account the same day? If it goes through a third-party 'wallet' first, there's a risk of fund holding and hidden fees.
2. QRIS Must Work Offline
Ironically, the internet often dies exactly when a customer wants to pay. A good offline-first POS can still generate a QR code and record the transaction; when back online, payment is reconciled automatically. Don't let customers leave because the cashier is 'loading'.
3. One Code for All Banks & E-Wallets
QRIS advantage: one code scannable from GoPay, OVO, DANA, any m-banking. Owners don't need 5 EDC machines. Bakery checkout becomes faster and tidier.
4. Automatic Reconciliation in Reports
- Every QRIS payment logged with a unique transaction ID
- Daily report separates cash vs QRIS automatically
- No manual matching with bank statements needed
In 2026, QRIS isn't a 'nice to have' for bakeries, it's operational standard. Choose a POS that integrates it natively, not as a bolt-on, so your cash flow stays clean and customers are never blocked from paying.
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