{"id":16332,"date":"2024-12-27T16:36:12","date_gmt":"2024-12-27T09:36:12","guid":{"rendered":"https:\/\/businessupdate.id\/?p=16332"},"modified":"2024-12-27T16:36:14","modified_gmt":"2024-12-27T09:36:14","slug":"transaksi-lewat-qris-tidak-kena-ppn-12-persen","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=16332","title":{"rendered":"Transaksi Lewat QRIS Tidak Kena PPN 12 Persen"},"content":{"rendered":"\n

BusinessUpdate –<\/strong> Bank Indonesia (BI) menegaskan konsumen tidak dikenakan pajak pertambahan nilai (PPN) 12% untuk transaksi melalui Quick Response Indonesian Standard<\/em> (QRIS) atau pembayaran non tunai lainnya.<\/p>\n\n\n\n

Melalui unggahan di akun Instagram resmi, BI menyatakan, tidak ada perubahan subjek dan objek pajak, sehingga tarif PPN 12% berlaku sama untuk semua jenis transaksi, baik tunai maupun non-tunai. <\/p>\n\n\n\n

“Jadi, PPN yang dikenakan ke konsumen hanya PPN barang\/jasa yang dibeli dan tidak dikenakan PPN atas transaksi menggunakan QRIS ataupun pembayaran non tunai lainnya,” tulis BI, lewat akun Instagram @bank_indonesia, dikutip Jumat (27\/12\/2024). <\/p>\n\n\n\n

BI selaku regulator QRIS menjelaskan, PPN hanya dihitung dari biaya layanan yang dikenakan oleh penyedia jasa pembayaran (PJP) kepada merchant<\/em>, termasuk biaya transaksi merchan<\/em>t atau merchant discount rate<\/em> (MDR). <\/p>\n\n\n\n

“PPN ini tidak dikenakan kepada konsumen, sebagaimana yang sudah berlaku selama ini,” tulis BI. Adapun bagi merchant<\/em> usaha mikro, transaksi dengan nominal hingga Rp500.000 tidak dikenakan PPN. Pasalnya, BI telah memberlakukan MDR QRIS 0% untuk transaksi sampai dengan Rp500.000 pada merchant<\/em> usaha mikro sejak 1 Desember 2024. <\/p>\n\n\n\n

Sebelumnya, Direktur Penyuluhan, Pelayanan, dan Hubungan Mayarakat Direktorat Jenderal Pajak (DJP), Dwi Astuti mengatakan, transaksi menggunakan QRIS adalah bagian dari jasa sistem pembayaran. <\/p>\n\n\n\n

“Perlu kami tegaskan bahwa pengenaan PPN atas jasa layanan uang elektronik sudah dilakukan dalam Peraturan Menteri Keuangan Nomor 69\/PMK.03\/2022 tentang Pajak Penghasilan dan Pajak Pertambahan Nilai Atas Penyelenggaraan Teknologi Finansial,\u201d ujarnya<\/p>\n\n\n\n

PPN pada jasa atau komisi QRIS dikenakan atas Merchant Discount Rate<\/em> (MDR) yang dibayar merchant <\/em>kepada PJSP. MDR QRIS adalah biaya jasa yang dikenakan kepada merchant<\/em> oleh Penyelenggara Jasa Pembayaran (PJP) saat bertransaksi menggunakan QRIS. <\/p>\n\n\n\n

Mengacu aturan BI, tarif MDR QRIS sebesar 0,3% bagi usaha mikro untuk transaksi di atas Rp100.000, sedangkan untuk usaha kecil, menengah, dan besar sebesar 0,7%. Kebijakan tersebut sudah berlaku sejak 1 September 2023. DJP menegaskan, biaya MDR akan ditanggung oleh merchant dan tidak boleh dibebankan kepada konsumen. <\/p>\n\n\n\n

Selain QRIS, aturan ini juga berlaku untuk biaya layanan pada uang elektronik (e-money), dompet elektronik (e-wallet), gerbang pembayaran, switching, kliring, penyelesaian akhir, dan transfer dana. <\/p>\n\n\n\n

PPN berlaku untuk biaya layanan yang dibebankan kepada penyelenggara, seperti biaya layanan registrasi, pengisian ulang saldo (top-up), pembayaran transaksi, transfer dana, dan tarik tunai untuk uang elektronik. Begitu juga dengan layanan dompet elektronik yang termasuk biaya pembayaran tagihan dan paylater. (ip\/jh)<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

BusinessUpdate – Bank Indonesia (BI) menegaskan konsumen tidak dikenakan pajak pertambahan nilai (PPN) 12% untuk transaksi melalui Quick Response Indonesian Standard (QRIS) atau pembayaran non tunai lainnya. Melalui unggahan di akun Instagram resmi, BI menyatakan, tidak ada perubahan subjek dan objek pajak, sehingga tarif PPN 12% berlaku sama untuk semua jenis transaksi, baik tunai maupun […]<\/p>\n","protected":false},"author":6,"featured_media":5897,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,46],"tags":[3319,2923,586,1075,726,1712],"class_list":["post-16332","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","category-economic","tag-merchant","tag-objek","tag-pajak","tag-ppn","tag-qris","tag-transaksi"],"yoast_head":"\nTransaksi Lewat QRIS Tidak Kena PPN 12 Persen - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=16332\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Transaksi Lewat QRIS Tidak Kena PPN 12 Persen - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate – Bank Indonesia (BI) menegaskan konsumen tidak dikenakan pajak pertambahan nilai (PPN) 12% untuk transaksi melalui Quick Response Indonesian Standard (QRIS) atau pembayaran non tunai lainnya. Melalui unggahan di akun Instagram resmi, BI menyatakan, tidak ada perubahan subjek dan objek pajak, sehingga tarif PPN 12% berlaku sama untuk semua jenis transaksi, baik tunai maupun […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=16332\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2024-12-27T09:36:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-27T09:36:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2023\/04\/QRIS-BRI-e1681511952994.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1039\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Iyan Pahlevi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Iyan Pahlevi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=16332\",\"url\":\"https:\/\/businessupdate.id\/?p=16332\",\"name\":\"Transaksi Lewat QRIS Tidak Kena PPN 12 Persen - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2024-12-27T09:36:12+00:00\",\"dateModified\":\"2024-12-27T09:36:14+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/9f0dc243b4a81c67b3b44f67a90cfc5d\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=16332#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=16332\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=16332#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Transaksi Lewat QRIS Tidak Kena PPN 12 Persen\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/9f0dc243b4a81c67b3b44f67a90cfc5d\",\"name\":\"Iyan Pahlevi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g\",\"caption\":\"Iyan Pahlevi\"},\"url\":\"https:\/\/businessupdate.id\/?author=6\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Transaksi Lewat QRIS Tidak Kena PPN 12 Persen - Businessupdate.id","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessupdate.id\/?p=16332","og_locale":"en_US","og_type":"article","og_title":"Transaksi Lewat QRIS Tidak Kena PPN 12 Persen - Businessupdate.id","og_description":"BusinessUpdate – Bank Indonesia (BI) menegaskan konsumen tidak dikenakan pajak pertambahan nilai (PPN) 12% untuk transaksi melalui Quick Response Indonesian Standard (QRIS) atau pembayaran non tunai lainnya. 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