Avoid QRIS Scams with These 5 Effective Ways!

Increase awareness of QRIS scam as lately more and more modes have been performed by perpetrators of fraud using QRIS. 

Even though it already has security supported by the latest technology, the level of vigilance against  QRIS scams must be maintained because lately there have been more and more modes carried out by fraudsters using QRIS. 

The fraud model that is often carried out also targets merchants. It is necessary to know if the fake QRIS is a fake QR code that mimics the identity of the merchant, the type of goods and the number of transactions. There are several ways to avoid it, see the information below:

Scan at Authorized Institution

Make sure the store opens an official QRIS organizer account and gets permission from Bank Indonesia before making transactions. Usually, stores have a special code that distinguishes official QRIS from fake ones.

Note the Physical State of the QRIS Code

Make sure the QRIS code is of high quality and not installed carelessly. In addition, pay attention to the condition of the QRIS code patch, and cancel the transaction or report it to the guard or officer if it is suspicious. 

In addition, if you are a merchant, you also need to pay attention to who you get the QRIS code from. Make sure to get the QRIS code from a party that is truly authorized and has permission. 

Check QRIS Information and Payment Notification

Before paying, check the merchant's name, payment amount, and product or service description in QRIS. After payment, ensure that the funds go to the correct account. 

Vice versa, as a merchant, it is good to always monitor payment transactions from customers, whether they have been received and entered into the merchant account affiliated with the static QRIS. 

Beware of Old QRIS Screenshots to Trick Merchants 

As a merchant, you should always be aware of the various modes carried out by fraudsters, one of which is the old QRIS screenshot to trick. This method is fairly powerful if you as a merchant are less careful about proof of payment. 

Although the notification can indeed be seen immediately if you have paid. But if at one time you have too many transactions, it can confuse the sellers and finally the fraudsters succeeded in their modus operandi.

Avoid Phishing 

Phising is a fraud using disguise techniques. It is usually done by creating a fake website that closely resembles the official website of the non-cash payment service provider that the victim wants to use.

Both merchants and buyers are advised to always make sure the authenticity of QRIS so as not to be fooled by the phishing mode. Because indeed this mode of practice is quite often carried out by fraudsters. 

Related article: QRIS Transaction Surge in 2024: Annual Growth and Impact on Digital Economy