ANALISIS YURIDIS TERHADAP PENGENAAN BIAYA ADMIN QRIS OLEH OKNUM PELAKU USAHA DALAM PERSEPEKTIF PERLINDUNGAN KONSUMEN BERDASARKAN PERATURAN PERUNDANG-UNDANGAN YANG BERLAKU DI INDONESIA

• Ariani Sitanggang

  Universitas Negeri Semarang

  Author

• Diny Widya Evriyanti Simarangkir

  Universitas Negeri Semarang

  Author

• Karina Salsabila Meiralda

  Universitas Negeri Semarang

  Author

• Lovina Manalu

  Universitas Negeri Semarang

  Author

The Quick Response Code Indonesian Standard (QRIS) is a national payment standard based on QR codes established by Bank Indonesia to simplify, accelerate, and secure digital transactions. However, in practice, several business actors impose additional administrative fees on consumers for each QRIS transaction. In fact, costs such as the Merchant Discount Rate (MDR) and settlement fees should be the responsibility of the merchants, not the consumers. The imposition of these additional fees without clear notification violates consumer protection principles as stipulated in Law Number 8 of 1999 concerning Consumer Protection, particularly Articles 4 and 7, which guarantee the rights to comfort, security, accurate information, and fair treatment. This study aims to analyze, from a juridical perspective, the practice of imposing QRIS administrative fees by certain business actors under the applicable legal framework in Indonesia. The method used is a normative legal approach through library research of relevant legislation and Bank Indonesia’s technical policies. The results of this study are expected to strengthen the understanding of business actors’ obligations and consumers' rights, as well as provide concrete recommendations to establish a fair, transparent, and legally compliant digital transaction system.

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Peraturan Bank Indonesia Nomor 3 Tahun 2023 Tentang Perlindungan Konsumen Bank Indonesia

Undang-Undang Republik Indonesia Nomor 21 Tahun 2011 Tentang Otoritas Jasa Keuangan

ARTIKEL JURNAL

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Lestari, M. I. (2023). Kesediaan Micro Merchants Membayar Merchant Discount Rate dan Biaya Settlement Quick Response Code Indonesian Standard (QRIS): Studi Eksplorasi pada Usaha Mikro Kecil Menengah. InFestasi, 19(1), 39-50.

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Afriani, L., Hafizah, & Purwanto, M. A. (2024). HUKUM PEMBAYARAN QRIS (QUICK RESPONSE CODE) PERSPEKTIF HUKUM EKONOMI SYARI’AH. Perspektif Agama dan Identitas, 9 Nomor 6, 81-88.

Hibatulah, M. I. D. (2024). Efektivitas Merchant Discount Rate dalam transaksi non tunai berbasis Quick Response Indonesian Standard (QRIS) di Kota Malang (Doctoral dissertation, Universitas Islam Negeri Maulana Malik Ibrahim).

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Rosanty, F., Sananingrum, R. I., Rohmatika, F., Budiarto, A., & Pratiwi, R. (2024). DAMPAK BIAYA TRANSAKSI FINTECH PAYMENT TERHADAP PENDAPATAN UMKM. Aliansi, 19(2), 97-104.

Rauf, S. (2023). Studi Komparatif Fasilitas Dan Kualitas Layanan M-Banking BSI Dan BRI Terhadap Kepuasan Nasabah Di Kota Palopo (Doctoral dissertation, Institut Agama Islam Negeri (IAIN) Palopo).

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