The digitalization of the payment system grew significantly amid the Covid-19 pandemic that is still ongoing today. It is inseparable from the community needs who require transactions that are faster, safer, and can minimize social interaction. One of the answers comes through the QRIS TTM (Tanpa Tatap Muka which means No Face to Face) feature, which complements non-cash payment innovations through scanning of national standard QR codes.

Amid the current Covid-19 pandemic situation, the World Health Organization (WHO) recommends every country to minimize the use of cash for a transaction and expand cashless transaction services. This recommendation aims to break the chain of the spread of the Covid-19 virus, which can spread through cash transactions.

Therefore, Bank Indonesia as a financial regulator, with Payment System Service Providers (Penyelenggara Jasa Sistem Pembayaran or PJSP), are committed to continue encouraging the expansion of the use of QR code Indonesian Standard (QRIS). Bank Indonesia itself is currently collaborating with 59 PJSPs in the implementation of QRIS in Indonesia, consisting of banks and non-bank institutions. In 2020, the total number of merchants who have implemented QRIS reached around 6.5 million merchants in 34 provinces, 480 regencies/cities, and in 2021 the target is to reach up to 12 million merchants.

The extensive acceptance of QRIS has finally encouraged Bank Indonesia with the Indonesian Payment System Association (ASPI) and PJSP to develop QRIS TTM. It is a feature that complements QRIS’s innovation in facilitating remote transactions without face-to-face and can assist the government in limiting social interaction in the community during a pandemic.

What is QRIS TTM?

QRIS TTM is a feature that complements QRIS innovation and allows users to make transactions simply by scanning an image of the QRIS code stored in the smartphone gallery. Thus, the buyer does not need to meet face-to-face with the seller to scan the QRIS code and make payments

To use this feature, buyers need to ensure that the application used to make payments by scanning the QRIS code supports the scan from gallery feature on the smartphone. In addition, they also need to make sure that the merchant’s name that appears and the transaction amount is correct.

How to Use QRIS TTM

Using the QRIS TTM feature is easy because it can be done from anywhere and anytime the customer wants as long as they have an internet connection and an image of the merchant’s QRIS code.

Here are some steps to use QRIS TTM:

  • Request an image of the QRIS code from the merchant.
  • Save the QRIS code image to the smartphone gallery.
  • Open a payment application that supports scanning QRIS codes.
  • Select the upload menu from the gallery on the application.
  • Select the merchant’s saved QRIS code image.
  • Enter the transaction nominal and make sure the merchant’s name is correct.
  • Enter the PIN for the payment authentication process.
  • Payment completed.

Cashless Transactions Become Easier

The presence of QRIS TTM has finally become an alternative and completes the choice of remote payment methods that are easy for users in one application in the smartphone used. This innovation can help UMKM (Usaha Mikro, Kecil, dan Menengah which means Micro, Small and Medium Enterprises), donors, or loyal customers to be able to transact while maintaining health amid a pandemic and indirectly supporting the development of economic inclusion.

The presence of QRIS itself is to support the creation of a cashless society and is expected to create an efficient, effective cashless payment system, and refers to the main principles of a fast, easy, cheap, safe, and reliable payment system policy.