QRIS Terms & Condition

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.

1. 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.

     
     

2. 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.

     
     

3. 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.

     
     

4. Supported QR Standards

   • This service supports QR codes following QRIS (Quick Response Code Indonesian Standard) as regulated by Bank Indonesia.

     
     

5. 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

     
     

6. Fees and Charges

   The fee for using QRIS through Paywatch is as following:

• 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.

  
  

7. 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.

     
     

8. 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.

     
     

9. 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.

   
   

10. 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.

      
      

11. 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.

      
      

12. 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.

13. 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.

      
      

14. 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.