The Rp 20 Million QRIS Limit: What It Means for Large Deposits

Bank Indonesia raised the per-transaction QRIS cap from Rp 10 million to Rp 20 million in 2023, and the figure applies to every QRIS transaction in the country. It is not an operator policy, so no cashier setting can change it. The QRIS flow is documented on the QRIS method page.

Two limits apply at once

The Rp 20 million cap is a per-transaction ceiling, and it is not the only one. The sending app carries its own limits, and the lower of the two applies.

A player trying to deposit Rp 20 million from a GoPay account that has used part of its daily quota will be declined, even though the amount sits exactly at the QRIS cap. The error message usually cites a transaction limit without saying which one was reached.

Handling larger amounts

• Split the transaction — the cashier generates a fresh QR for each deposit, so separate payments within 24 hours work.
• Combine methods — Rp 20 million via QRIS plus a direct bank transfer for the balance.
• Use crypto — USDT TRC-20 is not bound by the BI cap, though it needs more setup.

Spreading payments across methods also softens the repeated-pattern signal that transaction monitoring looks for. The context is covered in the DANA deposit guide.

QRIS is not for withdrawals

QRIS was designed as a one-way payment standard from customer to merchant. Withdrawals cannot use it and must go through DANA, GoPay, OVO or a direct bank transfer. That applies to every operator accepting QRIS, not just one.

Merchant code rotation

Bank Indonesia has committed to blocking QRIS merchant codes identified as facilitating online gambling, and payment providers respond by rotating codes periodically. For individual players the impact is small: the cashier generates a new QR on every deposit. What matters is scanning from a freshly opened cashier screen rather than an old screenshot or a reshared link.