August 15, 2025 | 04:33 pm
TEMPO.CO, Jakarta - Digital payment methods have become one of the most widely used methods in various transactions. One of the digital payment methods is using the Quick Response Code Indonesian Standard (QRIS). There are two types of payment codes for payments made with the QR method: dynamic QRIS and static QRIS. So, what are the differences between the two?
As reported by Fazz, here are the differences between dynamic QRIS and static QRIS:
Dynamic QRIS
Dynamic QRIS is a type of QR payment that has a different QR code for each purchase or consumer. The code displayed in this payment will immediately adjust to the amount or nominal of the purchase made.
This QR code eliminates the need for customers to manually enter the purchase amount in their digital wallet or bank account because it provides the amount automatically. The code will not be valid if it has already been used, so if you need to make a second payment, you will have to wait for a new code.
Dynamic QRIS is usually used for e-commerce transactions because of the significantly larger number of customers and transactions. It is used to avoid payment fraud. This method will also provide transaction information for the receiving bank account encoded in a unique code for each transaction.
This method offers significant advantages in terms of transaction accuracy and security. With a unique one-time code, transaction fraud will be minimized, and businesses can immediately recognize each incoming transaction.
Static QRIS
Static QRIS is commonly found in a variety of businesses. Unlike a dynamic QRIS, this QRIS uses the same QR code for all customers and types of purchases.
With this QR code, customers must manually enter the transaction amount in their digital wallet or banking application. With this mode, businesses only need to print one QR code for all their sales, which can be used for a long time.
Unfortunately, there is no authentic mark on each transaction made with this code, so the security risk of static QRIS is much higher, especially when there are many customers.
Not all incoming transactions can be carefully monitored. Moreover, tracking transactions by business is also more difficult with static QRIS because the QR code used for multiple transactions has the same characteristics and does not indicate the types of purchases available.
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