# QRIS

## Overview

QRIS (Quick Response Code Indonesian Standard) is the Bank Indonesia–regulated standard for QR payments in Indonesia. All QR-based payments in Indonesia must follow QRIS.

## Payment flow

### Merchant Presented Mode (MPM)

1. The merchant requests QR generation from Finpay.
2. Finpay creates the QR and sends it to the merchant.
3. The merchant displays the QR to the customer.
4. The customer scans the QR using their issuer/bank/e-money app.
5. The customer reviews the details and confirms the payment.
6. The issuer notifies Finpay of the transaction status.
7. Finpay notifies the merchant of the final transaction status.

{% hint style="info" %}
Static-amount QRIS is currently available only via Mitra Finpay. Check the Mitra Finpay page for details.
{% endhint %}

### Customer Presented Mode (CPM)

1. The customer generates a QR using their issuer/bank/e-money app.
2. The merchant scans the QR using their device.
3. The merchant sends the transaction details to Finpay via API.
4. Finpay requests the issuer/bank/e-money provider to debit the customer for the transaction.

## Operations

### Settlement

Settlement timing depends on your configuration.

See [Settlement and Refund](/payment-gateway/settlement-and-refund.md).

### Refunds

Refund support depends on QRIS rules and your configuration.

## Limits and key rules

See [Limit & Terms](broken://spaces/wdWV5w9iOXHhU6klMx61/pages/31c9RZ6c5C90qsqfyGxx).

## Reporting and reconciliation

See [Payment Statuses](/report/payment-statuses.md).


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