How to Pay in Indonesia: QRIS, DANA, Cards, and Cash

Indonesia's digital payment system has changed fast over the past few years, and most daily transactions in Bali or Jakarta can now be cashless.

TL;DR: The dominant payment method in Indonesia is QRIS, the national QR code payment standard used by many merchants. Cross-border QRIS works for travelers from selected partner markets, but supported apps vary by country and rollout stage. Keep DANA, a Visa or Mastercard, and small Indonesian Rupiah (IDR) notes as backups.

Direct Answer: Indonesia Payment Methods for Travelers

1. The Universal QRIS System

QRIS (Quick Response Code Indonesian Standard) is Indonesia's national standard for QR code payments. You will find QRIS code cards at many businesses, from malls and cafes to local food stalls (warungs).

Cross-Border Connectivity

As of November 2026, Bank Indonesia lists QRIS Cross-Border links with Thailand, Malaysia, Singapore, Japan, South Korea, and China. The practical rule is simple: your own payment app must support Indonesia QRIS, and the merchant's QRIS provider must be ready for cross-border acceptance.

• Thailand, Malaysia, and Singapore: These are the longest-running corridors, launched between 2022 and 2023. For visitors paying in Indonesia, Bank Indonesia lists participating apps such as Bangkok Bank, Kasikornbank, and Siam Commercial Bank (Thailand); Maybank, CIMB Bank, and Touch 'n Go eWallet (Malaysia); and OCBC, UOB, and DBS PayLah (Singapore).
• China: Bank Indonesia and the People's Bank of China launched the link on April 30, 2026. For Chinese visitors, Bank Indonesia lists Alipay, the China UnionPay app, and major Chinese banks such as ICBC and Bank of China.
• South Korea: The link launched on April 1, 2026. For Korean visitors paying at QRIS merchants, Bank Indonesia lists Kookmin Bank and Woori Card.
• Japan: The link established in August 2025 lets Indonesian apps pay at JPQR Global merchants in Japan. Bank Indonesia's list does not yet name a Japanese app for paying at QRIS merchants in Indonesia.

The transaction is converted automatically between IDR and your home currency. This avoids handling cash for that purchase, but the final rate and any provider fee depend on the payment app and card or wallet behind it.

Workaround for Other Nationalities

If your home country or payment app is not linked to QRIS, consider DANA, a popular local e-wallet. DANA lets you register with a phone number from a supported country and save Visa, Mastercard, American Express, JCB, or UnionPay cards. Set it up and test a small top-up before you are standing at a cashier, since your specific card or device may still hit a verification step.

2. Credit Cards and Surcharges

Major credit cards (especially Visa and Mastercard) are widely accepted in tourist hubs, large supermarkets, international hotels, and mid-to-high-end restaurants.

Bank Indonesia prohibits merchants from adding a surcharge to credit card transactions; a merchant proven to do so is sanctioned by its acquiring bank with termination and merchant blacklisting. If a smaller cafe, boutique shop, or dive operator still asks for a card fee, confirm the total before paying, or use QRIS or local cash if the merchant accepts it.

3. When is Cash Still King?

While cities and resort towns are mostly cashless, physical Indonesian Rupiah (IDR) cash remains essential in several scenarios:

• Visiting Small Islands: Remote destinations like Nusa Penida, the Gili Islands, or parts of Lombok have limited digital payment networks.
• Minor Fees: Small-scale payments, such as parking, temple entrance fees, and tips for local guides.
• Emergency Backup: Small local warungs in remote rural areas may occasionally experience internet outages, disabling their QRIS scanners.

4. Money Scams: Protect Your Funds in Indonesia

Tourist areas in Indonesia, particularly Bali, present specific risks for travelers handling money. Take these precautions to protect your funds:

ATM and Card-Fraud Warning Official travel advice warns that card fraud occurs in Indonesia, including fake telephone numbers placed on ATMs to collect card details. Inspect the machine and never share your PIN.

• Lower-risk choice: Prefer an ATM inside an established bank branch and keep your card in view during the transaction.
• Stop if it looks altered: Do not use an ATM that appears tampered with or displays an unsolicited phone number; contact the bank through an official channel instead.

Currency Exchange Scams

Avoid unauthorized exchange booths that advertise unrealistically high rates. These booths may use manual counting tricks or hidden fees. Use authorized money changers or banks, and recount the cash yourself before leaving the counter.

References

• Bank Indonesia: Quick Response Code Indonesian Standard (QRIS)
• Bank Indonesia QRIS Cross-Border Guide
• Bank Indonesia: QRIS Cross-Border launched with China
• Bank Indonesia: Indonesia–South Korea QR Cross-Border launched
• DANA Help Center: Register with a foreign phone number
• DANA Help Center: Bank cards for foreign phone numbers
• Bank Indonesia: QRIS Cross-Border partner countries and participating apps (Indonesian)
• Bank Indonesia: merchants may not add surcharges to credit card transactions (Indonesian)
• UK Foreign, Commonwealth & Development Office: Indonesia safety and security
• Indonesia Travel: authorized money changers