Judul Berita
QR Pay Terms & Conditions
Syarat dan Ketentuan (ini mengatur penggunaan layanan Pembayaran QRIS yang disediakan oleh PT Paywatch Solutions Indonesia (“Kami”, “Milik Kami”, atau “Kita”) yang bekerja sama dengan M-Bayar untuk transaksi di wilayah Indonesia. Dengan menggunakan fitur Pembayaran QRIS melalui aplikasi atau platform kami, Anda (“Pengguna”, “Anda”, atau “Milik Anda”) dianggap telah menyetujui dan terikat dengan Syarat dan Ketentuan ini.
Registrasi dan Akun
Permohonan registrasi untuk menggunakan pembayaran QRIS sepenuhnya merupakan persyaratan dari mitra kami – M-Bayar.
Anda bertanggung jawab penuh untuk memastikan bahwa informasi seperti Kata Sandi dan One Time Password (OTP) tidak dibagikan kepada pihak lain.
Pembukaan dan registrasi akun untuk menggunakan pembayaran QRIS hanya dapat dilakukan oleh Anda sebagai pribadi yang sah secara hukum. Kami berhak menolak pendaftaran akun pembayaran QRIS atas nama pihak lain selain diri Anda sendiri, termasuk entitas hukum dan/atau badan usaha mana pun.
Semua data yang Anda kirimkan kepada Kami untuk keperluan pendaftaran akun harus merupakan data milik Anda sendiri. Setiap pengajuan dari akun tersebut akan dianggap sebagai pengajuan yang sah dan berwenang.
Anda bertanggung jawab penuh untuk memastikan bahwa data yang Anda kirimkan untuk keperluan registrasi akun adalah benar dan sesuai dengan data Anda sendiri.
Anda memahami bahwa saat melakukan registrasi akun, mengakses, dan/atau menggunakan pembayaran QRIS melalui Aplikasi dan/atau Platform Mitra Resmi, Anda mengungkapkan data dan informasi pribadi Anda kepada Kami, afiliasi Kami, M-Bayar dan/atau Mitra Platform Resmi tersebut, sebagaimana relevan. Anda juga menyetujui bahwa akan terjadi pertukaran data atau informasi pribadi Anda antara Paywatch dan pihak-pihak tersebut guna mendukung layanan Kami kepada Anda. Anda memahami bahwa pertukaran data ini diperlukan untuk mendukung dan meningkatkan pengalaman Anda dalam menggunakan fitur Paywatch dan dengan ini menyetujui pertukaran data tersebut. Anda juga memahami bahwa kebijakan privasi dari Mitra Platform Resmi tersebut dapat berlaku terkait pengumpulan, penggunaan, dan pengiriman data Anda melalui Mitra Platform Resmi tersebut.
Kelayakan
Untuk dapat menggunakan layanan ini:
Anda harus berusia minimal 18 tahun.
Anda harus memiliki akun aktif dengan Paywatch.
Anda harus memiliki nomor ponsel dan alamat email yang aktif.
Anda harus melengkapi formulir pendaftaran dalam aplikasi.
Cara Kerja
Anda dapat melakukan pembayaran dengan memindai kode QR dari merchant yang berpartisipasi melalui aplikasi kami.
Jumlah transaksi akan didebit dari sumber pembayaran yang Anda tautkan setelah konfirmasi berhasil.
Pada akhir siklus gaji yang ditentukan oleh pemberi kerja Anda, jumlah tersebut akan dipotong dari penggajian Anda.
Standar QR yang Didukung
Layanan ini mendukung kode QR yang mengikuti standar QRIS (Quick Response Code Indonesian Standard) sebagaimana diatur oleh Bank Indonesia.
Transaksi
Anda bertanggung jawab untuk memastikan bahwa jumlah dan detail transaksi yang dikirimkan adalah akurat.
Batas harian, bulanan, dan per transaksi dapat berlaku sesuai dengan:
Regulasi Bank Indonesia
Batas yang ditetapkan oleh institusi keuangan yang Anda tautkan
Kebijakan risiko internal kami
Paywatch atau M-Bayar berhak menolak transaksi jika:
Informasi yang terkait dengan akun Anda tidak sesuai
Transaksi dianggap sebagai transaksi penipuan
Biaya dan Tarif
Biaya penggunaan QRIS melalui Paywatch adalah sebagai berikut:
Jumlah Pembayaran | Biaya |
Rp 15.000 - Rp 45.000 | Rp 4.500 |
Rp 45.001 - Rp 500.000 | Rp 8.500 |
Kami berhak untuk memperkenalkan atau mengubah biaya di masa depan dengan pemberitahuan terlebih dahulu.
Biaya akan diselesaikan pada akhir siklus gaji Anda.
Keamanan dan Otorisasi
Semua pembayaran memerlukan autentikasi pengguna melalui [PIN/biometrik/OTP], tergantung pada pengaturan perangkat dan akun Anda.
Anda bertanggung jawab penuh untuk menjaga kerahasiaan kredensial dan perangkat Anda.
Kami berhak menangguhkan akun Anda jika akun tersebut terbukti didaftarkan dengan informasi yang tidak akurat.
Pengembalian Dana dan Sengketa
Permintaan pengembalian dana harus diajukan langsung ke merchant.
Kami akan membantu menyelesaikan sengketa antara Anda dan merchant/M-Bayar sejauh yang memungkinkan, namun tidak bertanggung jawab atas kesalahan atau pelanggaran yang dilakukan oleh merchant.
Paywatch berhak menolak permintaan pengembalian dana jika transaksi dianggap mencurigakan, mengandung unsur penipuan, atau aktivitas ilegal.
Penggunaan yang Dilarang
Anda tidak diperbolehkan menggunakan layanan Pembayaran QR untuk:
Aktivitas ilegal, termasuk namun tidak terbatas pada penipuan atau pencucian uang.
Transaksi yang melanggar regulasi Bank Indonesia atau OJK.
Tujuan lain yang dianggap tidak sesuai oleh Kami
Perlindungan Data
Kami mengumpulkan dan memproses data pribadi serta data transaksi Anda sesuai dengan hukum yang berlaku dan Kebijakan Privasi Kami.
Data dapat dibagikan dengan M-Bayar, institusi keuangan, regulator, atau penyedia layanan sesuai kebutuhan untuk memproses pembayaran dan kepatuhan hukum.
Batasan Tanggung Jawab
Kami tidak bertanggung jawab atas kerugian akibat transaksi yang tidak sah, gangguan layanan, atau kesalahan yang disebabkan oleh sistem pihak ketiga (contohnya: bank, e-wallet).
Jika pun Kami bertanggung jawab, jumlah tanggung jawab terbatas pada jumlah transaksi yang bersangkutan.
Penghentian dan Penangguhan
Kami berhak untuk menangguhkan atau menghentikan akses Anda terhadap Pembayaran QR, akun Paywatch Anda, atau keduanya jika terdeteksi aktivitas mencurigakan atau pelanggaran terhadap Syarat dan Ketentuan ini.
Hukum yang Berlaku dan Yurisdiksi
Syarat dan Ketentuan ini diatur dan ditafsirkan sesuai dengan hukum Republik Indonesia.
Setiap sengketa akan diselesaikan di pengadilan yang berwenang di Indonesia.
Perubahan Ketentuan
Kami dapat memperbarui Syarat dan Ketentuan ini dari waktu ke waktu. Penggunaan layanan setelah pembaruan dianggap sebagai bentuk persetujuan Anda terhadap ketentuan yang telah diperbarui.
These Terms and Conditions ("T&C") govern the use of QRIS services provided by PT Paywatch Solutions Indonesia ("We", "Our", or "Us") in partnering with M-Bayar for transactions within the territory of Indonesia. By using the QRIS feature through our application or platform, you ("User", "You", or "Your") agree to be bound by these T&C.
Registration and Account
Registration application to use QRIS is solely requirement from our partner – M-Bayar.
You hold the sole responsibility to ensure that information such as Password, One Time Password (OTP) is not shared.
Opening and registration of account to use the QRIS can only be conducted by You as a legal person. We are entitled to reject Your registration of QRIS account for the interest of any party other than Yourself, including any legal entity and/or business entity.
Any data submitted by You to Us for account registration shall be Your own data. Any submission from the respective account will be acknowledged as authorized submission.
You hold the sole responsibility to ensure any data submitted by You for account registration is accurate based on Your own data.
You understand that when You conduct Your account registration, access and/or use of QRIS, through the Application and/or any Authorized Platform Partner, You disclose Your data and personal information to Us, Our affiliate, M-Bayar/or such Authorized Platform Partner, as relevant. You also agree that there will be sharing of Your data or personal information between Paywatch and such parties to support Our services to You. You understand that this data sharing is necessary to support and improve Your experience in using Paywatch features and hereby consent to such data sharing. You also understand that the privacy policy of such Authorized Platform Partner can be applicable in relation to the collection, utilization and submission of Your data through such Authorized Platform Partner.
Eligibility
You must be at least 18 years old.
You must have an active account with Paywatch.
You must have an active mobile number and email address.
You must complete the application form in the app.
How It Works
You can make payments by scanning participating merchant QR codes via our app.
The transaction amount will be debited from your linked payment source upon successful confirmation.
By the end of the cycle set by your employer, the amount will be deducted from your payroll.
Supported QR Standards
This service supports QR codes following QRIS (Quick Response Code Indonesian Standard) as regulated by Bank Indonesia.
Transaction
You hold the responsibility to ensure that the amount and details transferring are accurate.
Daily, monthly, and per-transaction limits may apply in accordance with:
Bank Indonesia regulations
The limits set by your linked financial institution
Our internal risk policies
Paywatch or M-Bayar hold the rights to reject any payment if
Information tie to your account does not match
The transaction is deemed to be a fraudulent transaction
Fees and Charges
The fee for using QRIS through Paywatch is as following:
Payment Amount | Fee |
Rp 15.000 - Rp 45.000 | Rp 4.500 |
Rp 45.001 - Rp 500.000 | Rp 8.500 |
We reserve the right to introduce or revise fees in the future with prior notice.
Fee will be settled at the end of your salary cycle.
Security and Authorization
All payments require user authentication via [PIN/biometric/OTP] depending on your device and account settings.
You are solely responsible for maintaining the confidentiality of your credentials and device.
We reserve the right to suspend your account if Your account is deemed to be opened with inaccurate information.
Refunds and Disputes
Any refund requests must be made directly to the merchant.
We will assist in resolving disputes between you and the merchant/ M-Bayar to the extent practicable but are not liable for merchant errors or misconduct.
Paywatch has the right to reject and refunds requests if the transaction is deemed to be a suspicious transaction, fraudulent, illegal activity.
Prohibited Use
You may not use QRIS for:
Illegal activities, including but not limited to fraud or money laundering.
Transactions violating Bank Indonesia or OJK regulations.
Any other purpose deemed inappropriate by us.
Data Protection
We collect and process your personal and transaction data in accordance with applicable laws and our Privacy Policy.
Data may be shared with M-Bayar, financial institutions, regulators, or service providers as required for processing payments and compliance.
Limitation of Liability
We are not liable for any losses resulting from unauthorized transactions, service interruptions, or errors caused by third-party systems (e.g., banks, e-wallets).
Our liability, if any, is limited to the amount of the transaction in question.
Termination and Suspension
We reserve the right to suspend or terminate your QRIS access, Paywatch Account, or both if we detect suspicious activity or violations of these T&C.
Governing Law and Jurisdiction
These T&C shall be governed by and construed in accordance with the laws of the Republic of Indonesia.
Any disputes shall be subject to the exclusive jurisdiction of the courts of Indonesia.
Changes to Terms
We may update these T&C from time to time. Continued use after such updates constitutes your acceptance of the revised terms.
These Terms and Conditions ("T&C") govern the use of QRIS services provided by PT Paywatch Solutions Indonesia ("We", "Our", or "Us") in partnering with M-Bayar for transactions within the territory of Indonesia. By using the QRIS feature through our application or platform, you ("User", "You", or "Your") agree to be bound by these T&C.
Registration and Account
Registration application to use QRIS is solely requirement from our partner – M-Bayar.
You hold the sole responsibility to ensure that information such as Password, One Time Password (OTP) is not shared.
Opening and registration of account to use the QRIS can only be conducted by You as a legal person. We are entitled to reject Your registration of QRIS account for the interest of any party other than Yourself, including any legal entity and/or business entity.
Any data submitted by You to Us for account registration shall be Your own data. Any submission from the respective account will be acknowledged as authorized submission.
You hold the sole responsibility to ensure any data submitted by You for account registration is accurate based on Your own data.
You understand that when You conduct Your account registration, access and/or use of QRIS, through the Application and/or any Authorized Platform Partner, You disclose Your data and personal information to Us, Our affiliate, M-Bayar/or such Authorized Platform Partner, as relevant. You also agree that there will be sharing of Your data or personal information between Paywatch and such parties to support Our services to You. You understand that this data sharing is necessary to support and improve Your experience in using Paywatch features and hereby consent to such data sharing. You also understand that the privacy policy of such Authorized Platform Partner can be applicable in relation to the collection, utilization and submission of Your data through such Authorized Platform Partner.
Eligibility
You must be at least 18 years old.
You must have an active account with Paywatch.
You must have an active mobile number and email address.
You must complete the application form in the app.
How It Works
You can make payments by scanning participating merchant QR codes via our app.
The transaction amount will be debited from your linked payment source upon successful confirmation.
By the end of the cycle set by your employer, the amount will be deducted from your payroll.
Supported QR Standards
This service supports QR codes following QRIS (Quick Response Code Indonesian Standard) as regulated by Bank Indonesia.
Transaction
You hold the responsibility to ensure that the amount and details transferring are accurate.
Daily, monthly, and per-transaction limits may apply in accordance with:
Bank Indonesia regulations
The limits set by your linked financial institution
Our internal risk policies
Paywatch or M-Bayar hold the rights to reject any payment if
Information tie to your account does not match
The transaction is deemed to be a fraudulent transaction
Fees and Charges
The fee for using QRIS through Paywatch is as following:
Payment Amount | Fee |
Rp 15.000 - Rp 45.000 | Rp 4.500 |
Rp 45.001 - Rp 500.000 | Rp 8.500 |
We reserve the right to introduce or revise fees in the future with prior notice.
Fee will be settled at the end of your salary cycle.
Security and Authorization
All payments require user authentication via [PIN/biometric/OTP] depending on your device and account settings.
You are solely responsible for maintaining the confidentiality of your credentials and device.
We reserve the right to suspend your account if Your account is deemed to be opened with inaccurate information.
Refunds and Disputes
Any refund requests must be made directly to the merchant.
We will assist in resolving disputes between you and the merchant/ M-Bayar to the extent practicable but are not liable for merchant errors or misconduct.
Paywatch has the right to reject and refunds requests if the transaction is deemed to be a suspicious transaction, fraudulent, illegal activity.
Prohibited Use
You may not use QRIS for:
Illegal activities, including but not limited to fraud or money laundering.
Transactions violating Bank Indonesia or OJK regulations.
Any other purpose deemed inappropriate by us.
Data Protection
We collect and process your personal and transaction data in accordance with applicable laws and our Privacy Policy.
Data may be shared with M-Bayar, financial institutions, regulators, or service providers as required for processing payments and compliance.
Limitation of Liability
We are not liable for any losses resulting from unauthorized transactions, service interruptions, or errors caused by third-party systems (e.g., banks, e-wallets).
Our liability, if any, is limited to the amount of the transaction in question.
Termination and Suspension
We reserve the right to suspend or terminate your QRIS access, Paywatch Account, or both if we detect suspicious activity or violations of these T&C.
Governing Law and Jurisdiction
These T&C shall be governed by and construed in accordance with the laws of the Republic of Indonesia.
Any disputes shall be subject to the exclusive jurisdiction of the courts of Indonesia.
Changes to Terms
We may update these T&C from time to time. Continued use after such updates constitutes your acceptance of the revised terms.