Don't Scan Right Away! Recognize the Signs of Fake QRIS Before Transacting

Payment using QRIS has now become a part of everyday public activities. From buying food and shopping at stores to paying for various services, everything can be done easily just by scanning a QR code.

Behind this convenience, the public still needs to remain vigilant against various evolving digital fraud schemes. One mode that requires attention is the use of fake QRIS, which can redirect payments to unauthorized parties. Through various security education efforts regarding transaction safety, Bank Artha Graha Internasional urges the public to be more thorough before making digital payments.

How Fake QRIS Scams Work

This mode is usually carried out by replacing or sticking a fake QR code over the merchant's authentic QRIS. As a result, when a customer makes a payment, the funds that should be received by the merchant instead go into the perpetrator's account.

Because the QRIS payment process is fast, quite a few users scan immediately without checking the recipient details first. This condition is often exploited by fraudsters.

Although it seems simple, this scam can cause losses if not realized early on. Therefore, Bank Artha Graha Internasional reminds the public of the importance of checking before completing transactions using QRIS.

Signs of Fake QRIS to Watch Out For

Before making a payment, take a few seconds to inspect the QRIS you are about to use. Here are several signs to keep in mind:

  • QRIS Sticker Looks Layered or Re-pastedPay attention to the physical condition of the QRIS available at the payment location. If it looks like a sticker pasted over another sticker or appears untidy, it is best to check further with the staff or cashier.
  • Recipient Name Does Not MatchBefore completing the payment, make sure the recipient name appearing in the application matches the name of the merchant or business location you are visiting. If there is a suspicious difference, do not proceed with the transaction before getting confirmation.
  • Multiple Different QRIS at One LocationIf you find several different QRIS codes on a single cashier counter without clear information, it is best to ask first which QRIS is correct to use.
  • Merchant Does Not Know the QRIS Being UsedIf the staff or cashier seems unaware of the origin of the displayed QRIS, it could be a sign that the QR code needs further verification.

How to Avoid QRIS Fraud

As a digital transaction user, you don't need to worry excessively. By understanding the characteristics of fake QRIS and applying the right preventive steps, transactions can still be carried out safely and comfortably.

Here are some simple steps you can take:

  • ✅ Check the recipient's name before pressing the pay button.
  • ✅ Ensure the transaction amount is correct.
  • ✅ Do not rush when making a payment.
  • ✅ Ask the cashier if you find a suspicious-looking QRIS.
  • ✅ Use trusted, official payment applications.

These simple steps can help reduce the risk of errors as well as potential misuse during transactions.

Stay Safe During Digital Transactions

In addition to increasing vigilance when transacting, the public is also advised to verify if they find any suspicious activity. Bank Artha Graha Internasional continuously supports the creation of safe digital transactions through education and services accessible to customers and the general public.