JAKARTA - Governor of Bank Indonesia (BI) Perry Warjiyo revealed that payment system policies will be directed to encourage economic growth, especially in the trade sector and MSMEs.
According to Perry, in encouraging economic growth, it will be through the expansion of the acceptance of digital payments, as well as strengthening infrastructure and consolidating the structure of the payment system industry.
In addition, BI has also extended the Bank Indonesia National Clearing System (SKNBI) tariff policy and the Credit Card (KK) policy until December 31, 2025.
"The SKNBI rate is IDR 1 to the bank and a maximum of IDR 2,900 from the bank to customers; the minimum limit policy for credit card payments is 5 percent of the total bill, and a maximum delay fine of 1 percent of the total bill and does not exceed IDR 100,000," he said at the 2025 KSSK Periodic Meeting Results Press Conference, Monday, July 28.
On the other hand, Perry added, BI is also expanding its digital acceptance through accelerating the implementation of the QRIS target achievement strategy, both in terms of supply and demand, including the launch of international QRIS cooperation with Japan and the initiation of the QRIS sandbox between countries with China on August 17, 2025.
Then, he added, such as strengthening education and socialization of QRIS Without Scan (TAP) to users and merchants in various tourism destinations.
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Berikutnya, perluasan implementasi Standar Nasional Open API Pembayaran (SNAP) untuk integrasi layanan pembayaran industri, serta penguatan stabilitas infrastruktur pembayaran dan pengawasan terhadap Penyedia Jasa Pembayaran (PJP) dan lembaga pendukung.
Perry menambahkan, BI juga memperkuat dan memperluas kerja sama internasional di area kebanksentralan, termasuk konektivitas sistem pembayaran dan transaksi menggunakan mata uang lokal, serta memfasilitasi penyelenggaraan promosi investasi dan perdagangan di sektor prioritas bekerja sama dengan instansi terkait.
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Next, the expansion of the implementation of the National Open API Payment (SNAP) Standard for the integration of industrial payment services, as well as strengthening the stability of payment and supervision infrastructure for Payment Services Providers (PJP) and supporting institutions.
Perry added that BI also strengthens and expands international cooperation in the central bank area, including connectivity of payment systems and transactions using local currencies, as well as facilitating the implementation of investment and trade promotions in the priority sector in collaboration with relevant agencies.
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