6. Proof of Payment
QRIS provides a basic transaction history in your payment app. Bank transfers offer more complete documentation including recipient name, reference number, and date, which is ideal for bookkeeping.
7. Transaction Fees
Most QRIS payments are free for consumers. Bank transfers, especially interbank, usually incur fees. With BI-FAST the minimum fee is IDR 2,500.
8. Security
QRIS is protected by PIN, OTP, and biometricverificationin the app. Bank transfers also use bank-grade securityand aredirectly supervised by Bank Indonesia and OJK.
