Terms of Service
The general terms and conditions governing the rights, duties, and usage of the QRISU payment aggregator platform.
1. Acceptance of Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you ("Merchant", "User", or "You") and QRISU ("Platform", "we", "us").
By creating an account, integrating our API, or utilizing any of our payment features, you acknowledge that you are at least 18 years old (or possess legal authorization on behalf of a business entity) and agree to abide by these Terms.
2. QRISU Services
QRISU provides digital payment gateway infrastructure, Quick Response Code Indonesian Standard (QRIS) integration, automated webhook delivery, real-time analytics reporting, and automated disbursement/settlement services.
3. Merchant Registration & Account Security
- Merchants must provide accurate, truthful, and up-to-date business information during registration.
- Merchants bear full responsibility for maintaining the confidentiality of their passwords, API Keys, Secret Keys, and webhook signing secrets.
- Any API instruction or payment created using your API credentials will be treated as an authorized transaction initiated by you.
- Promptly notify our support team if you suspect unauthorized access or credential leaks.
4. Prohibited Activities & Products
Merchants may NOT use the QRISU platform to process payments for prohibited goods or services, including:
- Illegal gambling, betting, or unregulated games of chance.
- Counterfeit products, weapons, explosives, and illicit substances.
- Phishing, pyramid schemes, Ponzi operations, or unauthorized multi-level marketing.
- Any transactions that violate Bank Indonesia regulations or Indonesian criminal law.
5. Fees, MDR & Settlement
Transaction fees (Merchant Discount Rate / MDR) are deducted automatically per successful transaction according to agreed schedule (e.g. 0.7% for regular QRIS). Settlements will be transferred to your registered bank account according to the agreed clearing cycle (T+1 or T+0 for eligible volume).
6. Suspension & Account Termination
QRISU reserves the right to temporarily freeze or terminate merchant access without prior notice if fraudulent activity, chargeback anomalies, or violations of these Terms are detected.
7. Governing Law & Dispute Resolution
These Terms are governed by and construed under the laws of the Republic of Indonesia. Any disputes arising shall be settled primarily through amicable consultation, or submitted to the jurisdiction of the South Jakarta District Court.