Digital payments have become an integral part of people's daily activities. From buying coffee and dining at restaurants to shopping for daily necessities, everything can now be done simply by scanning a QR Code.
One of the most widely used technologies is QRIS, developed by Bank Indonesia as the national standard for QR Code-based payments in Indonesia.
However, many business owners still do not understand that QRIS comes in two types: static QRIS and dynamic QRIS.
At first glance, both appear to be the same because they both use QR Codes. In reality, their operating mechanisms, security levels, and benefits for business operations are significantly different.
These differences become increasingly important as a business grows and the number of daily transactions increases.
Using an unsuitable payment system can lead to incorrect payment amounts, slower payment processing, and even create opportunities for fraud.
Through this article, you will learn what static QRIS is and why dynamic QRIS is a modern payment solution that can improve both business security and operational efficiency.
By understanding these differences, you can determine which type of QRIS best suits your business needs.
What Are Static and Dynamic QRIS?
QRIS stands for Quick Response Code Indonesian Standard, the national QR Code payment standard issued by Bank Indonesia.
This system allows various digital payment applications to use a single QR Code standard, making transactions more convenient for both customers and business owners.
Static QRIS is a fixed QR Code that can be used repeatedly for all transactions. It is typically printed as a sticker or display and placed at the cashier counter.
When making a payment, customers must manually enter the transaction amount before completing the payment.
This model is effective for businesses with simple transactions or relatively low transaction volumes, such as small food stalls, kiosks, or bazaar tenants that do not require a complex payment system.
Meanwhile, dynamic QRIS is a QR Code that is automatically generated for every transaction.
The payment amount is already embedded in the QR Code, allowing customers to simply scan the code and enter their payment PIN. Each QR Code is valid for only one transaction and cannot be reused.
Because a unique QR Code is generated for every payment, dynamic QRIS is generally integrated with a cashier system or Point of Sale (POS).
This enables faster and more accurate payment processing while automatically recording every transaction.
Key Differences Between Static and Dynamic QRIS
Although both static QRIS and dynamic QRIS use QR Codes as their payment medium, they differ significantly in several aspects.
The first difference lies in how the QR Code is generated. Static QRIS uses the same QR Code for every transaction, requiring customers to manually enter the payment amount.
In contrast, dynamic QRIS generates a new QR Code for each transaction, with the payment amount automatically matching the total bill.
Another key difference is transaction security. Static QRIS carries a higher risk of misuse because the same QR Code is used continuously.
If someone replaces the QR Code sticker with a fraudulent one, customers may unknowingly send their payments to the wrong account.
On the other hand, dynamic QRIS offers a much higher level of security because every transaction has a unique QR Code.
Once the payment is completed, the QR Code can no longer be used. This significantly reduces the risk of fraud and payment manipulation.
From an operational perspective, dynamic QRIS also provides a more efficient transaction recording process.
Every payment is automatically recorded with the correct amount, minimizing discrepancies in financial reports.
This differs from static QRIS, which often requires manual verification when payment amounts do not match or when input errors occur.
For customers, dynamic QRIS also creates a more convenient payment experience. They no longer need to manually enter the payment amount, making the checkout process faster while reducing the possibility of payment errors.
Benefits of Using Dynamic QRIS for Businesses
Source: magnific.com
As digital transactions continue to grow, many businesses are switching to dynamic QRIS because it provides a safer payment experience while supporting more efficient business operations.
Here are some of the key benefits businesses can gain by implementing dynamic QRIS:
1. Reduces the Risk of Fraud
One of the primary reasons businesses adopt dynamic QRIS is its enhanced security. Each transaction generates a unique QR Code, significantly reducing the possibility of misuse.
Since every QR Code is valid for only one transaction, fraudsters cannot reuse old QR Codes to redirect customer payments. This helps businesses minimize fraud risks that could negatively impact both operations and their reputation.
2. Minimizes Errors in Payment Amounts
With static QRIS, customers must manually enter the payment amount. Entering the wrong amount can result in underpayments or overpayments.
With dynamic QRIS, the payment amount is automatically generated based on the total purchase. Customers only need to confirm the payment, making the transaction process more accurate.
3. Speeds Up the Payment Process
When customer queues start getting longer, every second in the payment process matters.
Dynamic QRIS accelerates the checkout process because customers no longer need to manually enter the payment amount. Cashiers also do not need to manually verify the payment amount, allowing them to serve customers more quickly.
4. Simplifies Transaction Reconciliation
Each transaction made using dynamic QRIS has a unique payment identifier. This makes it easier for the system to match each payment with its corresponding transaction.
As a result, business owners can perform audits, review daily sales reports, and close the cash register more efficiently without having to carry out extensive manual verification.
5. Supports Integration with POS Systems
Another advantage of dynamic QRIS is its ability to integrate with modern Point of Sale (POS) systems.
Once a transaction is completed, the payment data is automatically recorded in the sales report. This integration enables businesses to obtain more accurate data while streamlining operational management.
6. Improves the Customer Experience
Customers naturally expect a payment process that is fast, convenient, and error-free.
Dynamic QRIS delivers exactly that by providing all payment details automatically from the beginning. The transaction process becomes simpler, allowing customers to enjoy a smoother and more comfortable shopping experience.
Read more: Improving Restaurant Efficiency with the Most Advanced Payment System
When Should Your Business Switch to Dynamic QRIS?
There is no rule requiring every business to immediately adopt dynamic QRIS. Static QRIS remains a suitable option for businesses with relatively low transaction volumes or those that have just started operating.
However, as a business grows, its operational needs also evolve. If customer queues become longer, payment processing starts taking more time, or transaction discrepancies frequently occur due to manual input errors, it may be time to consider switching to dynamic QRIS.
This transition is also important for businesses that already use a digital cashier system and require automated transaction recording.
By integrating dynamic QRIS with a POS system, the entire payment process becomes faster, sales reports become more accurate, and the risk of fraud can be significantly reduced.
Restaurants, cafés, retail stores, bakeries, and businesses with multiple branches are examples of businesses that can benefit greatly from dynamic QRIS because they typically handle a high volume of transactions every day.
Frequently Asked Questions About Dynamic vs Static QRIS
1. What is the main difference between static QRIS and dynamic QRIS?
Static QRIS uses the same QR Code for every transaction, while dynamic QRIS generates a new QR Code with the payment amount automatically included for each transaction.
2. Is dynamic QRIS more secure?
Yes. Since each QR Code is valid for only one transaction, the risk of counterfeiting and misuse is much lower than with static QRIS.
3. Is dynamic QRIS suitable for restaurants?
Absolutely. It is especially beneficial for restaurants with high transaction volumes because payments are processed faster and automatically recorded in the POS system.
4. Can static QRIS still be used?
Yes. Static QRIS remains a practical solution for small businesses or businesses with relatively low transaction volumes.
5. Does dynamic QRIS have to be integrated with a POS system?
In most cases, dynamic QRIS works best when integrated with a POS system, allowing transactions and sales reports to be recorded automatically.
Read more: What Multi Payment Means: Definition, Benefits, Usage Flow, and Types of Digital Payment Methods
Conclusion
Understanding the differences between static QRIS and dynamic QRIS helps businesses choose the payment system that best fits their operational needs.
While static QRIS is still suitable for businesses with simple transaction requirements, dynamic QRIS is a more ideal solution for growing businesses that need faster payment processing, accurate transaction records, and stronger protection against fraud.
To maximize the benefits of dynamic QRIS, use an integrated cashier system such as ESB POS.
ESB POS is a comprehensive cashier application specifically designed for food and beverage businesses. It helps detect and prevent fraud, manage menus and promotions, supports multiple cashiers, customer displays, loyalty programs, reservations, digital vouchers, and integrates seamlessly with GrabFood, GoFood, ShopeeFood, and kitchen display systems.
Contact the ESB team today to learn how ESB POS can help your food and beverage business implement a payment system that is safer, faster, and more efficient.
