Danamon QR Merchant Service
Easy Integration with Various Digital Products through Onboarding API Services

Mudah Kelola Transaksi QR dengan Aplikasi QR Danamon

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Fitur Push Notification untuk memantau transaksi secara realtime
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Generate QR Statik dan Dinamis
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Fitur Histori Transaksi untuk monitor jumlah transaksi harian
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Fitur Manajemen Akses untuk Ubah PIN, Lupa PIN, dan data user
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Primary Features of the Danamon QR Merchant Service

This service allows Merchants to accept digital payments using Danamon QR codes compliant with QRIS. Merchants access the Danamon QR Application on Android devices using a 10-digit Merchant ID and 6-digit PIN sent via SMS. The app supports secure, real-time payment processing and transaction management.
  1. Universal QRIS Acceptance: Accepts payments from all QRIS-enabled payment applications, including but not limited to OVO, GoPay, Dana, LinkAja, and various mobile banking apps.
  2. Real-Time Transaction Monitoring: Merchants receive immediate notifications for each successful transaction.
  3. Comprehensive Transaction History: Access to detailed daily transaction records to facilitate reconciliation and financial management.
  4. Static & Dynamic QR: Merchants can generate both static and dynamic QR codes for flexible payment acceptance.
  5. PIN Security: Secure access to the application via Merchant ID and PIN, with functionalities for PIN change and reset.
  6. Cross-Border Payment Acceptance: Supports QR payments from select countries (Thailand, Singapore, Malaysia) under the QRIS Cross-Border.

Benefits

In addition to being able to receive payments using QR Codes from all types of payment source applications such as OVO, GoPay, Dana, LinkAja, as well as other applications that have obtained QRIS authorization, as a Danamon QR Merchant also receive other benefits such as: asdsfsdf
  1. Real-time transaction notifications
  2. Practical transaction settlement process
  3. Easy cash flow monitoring and management.
    Acceptance of payments from abroad (Thailand, Singapore, Malaysia) through the Cross-Border feature.
Danamon QR Merchant Product Information Summary
Danamon QR Merchant Guidebook
Danamon QR Merchant Service Registration Form
Danamon QR Merchant Service Data Change and Closure Form
Terms and Conditions Danamon QR Merchant Service
FAQ

Fee Structure

All transactions processed through the Danamon Merchant QR Service are subject to a Merchant Discount Rate (MDR), deducted prior to settlement in accordance with prevailing regulations. The MDR rates, effective as of December 1, 2024, are as follows:

* Note: MDR rates are subject to change in accordance with regulatory updates

Requirement and Procedures

  1. Merchant Registration Terms

    Categories of Customers who can register as a Danamon QR Service Merchant:
    1. New or existing customers (Indonesian/WNI or foreign nationals/WNA).
    2. Merchants must have Bank Danamon account for settlement purposes, with the account name matching the Merchant’s PIC.
    3. Customers must pass CDD/EDD processes as per branch regulations.
    4. For Merchant with legal entity, the settlement account must be in the entity’s name. If not available, an account in the name of an authorized officer at Bank Danamon is permissible, provided supporting documentation is submitted.
    5. Applies to businesses providing goods, services, places of worship, donation-receiving organizations, and others.
    6. Applies to customers (both individuals or organizations) with savings and/or current accounts (CASA) in Rupiah only; foreign currency accounts are not permitted.
    7. Applies to joint accounts with ‘AND’ or ‘OR’ status.

    For foreign nationals, acquisition staff must ensure the following:

    1. Valid stay and work permits (no reference letters allowed).
    2. Business operation permit.
    3. Other documents required for individual or corporate account opening.
      All required documents must be complete before Merchant registration.

  2. Merchant Registration Process

    Danamon QR Merchant registration can currently only be done through Bank Danamon branches. The following points must be noted regarding registration as a Danamon QR Merchant:

    1. Customers are required to first complete and sign the Registration Form and must read, understand, accept, and sign the General Terms and Conditions to register their business as a Danamon Merchant(s).
    2. Customers must attach a photocopy of their identity card (e-KTP), Tax Identification Number (NPWP) (optional for individual business merchants), and additional information and/or documents related to the Merchant(s) being registered.
    3. Bank Danamon will assess the application according to the criteria set by Bank Danamon before approving the Danamon QR Merchant Service registration, including rejecting applications if any Merchant registered by the PIC is included in the blacklist managed by the authorized institution in accordance with applicable laws and regulations.
      If the Danamon QR Merchant registration is approved, the PIC will receive a Merchant ID and PIN to log in to the QR Danamon App via SMS to the registered PIC mobile phone number.
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