How to Record QRIS Sales and Fees in a Small Shop

A shop records Rp100,000 in QRIS sales, but the bank deposit is lower. If you treat the deposit as the sale, your books may look short even when the difference is a transaction fee.

Record the sale and payout separately

Use one entry for the customer payment, then record the fee and net payout as separate figures. Hypothetical example: Rp100,000 in sales, a Rp700 fee, and Rp99,300 paid out. The fee here is illustrative, not a rate that applies to every business.

Bank Indonesia describes QRIS merchant discount rates as fees borne by merchants and publishes categories and effective rates on its QRIS MDR explainer. Check your business category and current official terms before using a specific rate in your books.

Match transaction evidence to the deposit

Keep the QRIS provider’s transaction report and payout confirmation. Compare dates, transaction totals, listed fees, and net deposits. A payout may combine several transactions, so one bank transfer does not necessarily correspond to one customer payment.

If your sales record shows Rp100,000 while the report lists a Rp700 fee and a Rp99,300 payout, record all three. If the figures do not match, pause before making an adjustment. Check for pending transactions, cancellations, or a different settlement period in the provider’s report.

Use a record that is easy to check

Add columns for date, QRIS sales, fee shown in the report, net payout, and evidence reference. Record the fee as a business expense rather than silently reducing sales. That gives anyone reviewing the cash book a trail from the sale to the payout.

Sora can help create a business app from a template or through a conversation with its AI. Choose a workflow that fits how you keep records.

Today, take one QRIS report and reconcile a single day: write down sales, the fee actually shown, and the net payout.