Digital and QR code payments

Users can now pay using QR codes via Sberbank Online in Indonesia. This functionality has been tested on Tokopedia and is reportedly working in physical stores as well. This can simplify transactions and potentially offer better exchange rates compared to traditional card payments. The observed exchange rate was approximately 218 IDR per RUB.

For tourists in Indonesia, besides Gopay, Ovo is another available e-wallet option. Dana may require a KTP (Indonesian ID) for opening an account.

It is confirmed that payment via QR code using Sberbank Online is functional in Indonesia. Transactions were successful at Vinyard and Circle K using a BCA terminal, with a slight delay in confirmation. The exchange rate via Sberbank Online was 1 IDR = 217.39 RUB, compared to 1 IDR = 222.80 RUB via T-Bank to Permata.

Tourists in Indonesia can use GoPay for cashless payments via QRIS. The GoPay wallet can be topped up with cash at Alfamart or Indomaret minimarts. Provide your registered phone number to the cashier; the transaction fee is negligible (approx. 2,000 - 5,000 IDR). This allows QR code payments without an Indonesian bank card.

Payment options in Bali: UnionPay (e.g., Rosselkhozbank) works at some POS terminals but requires specific merchant support. Sberbank QR payments are available but involve a markup of approx 7-8%. Always carry cash as a backup.

When a QR code payment fails on the merchant's end but is successful on your bank's side, it can lead to disputes. If you leave cash as a backup, ensure clear communication and documentation. It's possible the merchant's system registered the payment later, and they may not return the cash. Always try to obtain a cancellation receipt if a transaction is voided.

Sberbank cards can be used for QR code payments in Bali through the Indonesian QRIS system. While this integration exists, payment success may vary across terminals, so carrying some cash as a backup is advisable.

To top up HopaY using a Russian bank card, it is recommended to consult the HopaY support or verified currency exchange services within the local chat for the most current and reliable methods, as direct top-ups may be restricted.

Cash is widely accepted and preferred in many places in Indonesia. For ride-sharing apps like Grab, payment can often be made in cash even if the app is linked to a non-local number. Apple Pay acceptance may vary. For more extensive use, acquiring a local bank card or using a digital wallet like Gopay is recommended.

Gojek's GoPay QRIS payment system generally requires a local Indonesian bank account or a verified local balance. Foreign bank cards linked to the app can be used for direct service payments (GoRide, GoFood) but often fail for merchant QRIS scans. Recommended workarounds include using apps like DANA, which may have better compatibility for foreign card top-ups, or using P2P exchange services to load local digital wallets.

GoPay and OVO are the primary local payment applications. OVO users can withdraw up to 1,000,000 IDR in cash at Indomaret outlets by generating a withdrawal code in the app, though availability depends on the specific store's cash reserves.

To make payments in Bali, especially for services that may require verification, it's possible to use GoPay. However, be aware that verification might be necessary.

Payment via QRIS using Sberbank Online is now available in Indonesia. QRIS is the national QR payment standard used widely in stores, cafes, and online services, including Tokopedia. Transactions are debited in rubles with automatic currency conversion.