Speed and Convenience (The User Experience)

Feature	QRIS Deposit	Traditional Bank Transfer	Credit/Debit Card
Speed	Instant (Real-Time)	Can take hours (especially interbank) to days (international).	Near-Instant
Process	Scan and Pay: Open app, scan code, authenticate (PIN/Biometric).	Manual Input: Log into bank, enter slot site’s account details, enter nominal, wait for verification.	Manual Input/Storage: Enter 16-digit card number, CVV, expiry, 3D Secure verification.
Data Shared	Zero: Only a secure payment token is exchanged.	High: Shares the slot site’s full bank account number.	High: Shares card number, name, and security code (initially).
Error Risk	Low, as all data (account & nominal) is pre-embedded in the code.	High, due to manual input of the account number and transfer amount.	Moderate, relies on correct manual input and bank approval.

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Slot QRIS Advantage: The scan-and-pay method is far more convenient and eliminates the high risk of human error associated with manually typing in long account numbers, which can delay or even lose a deposit via bank transfer.

2. Security and Compliance

Security Aspect	QRIS Deposit	Traditional Bank Transfer	Credit/Debit Card
Authentication	Mandatory 2FA (PIN/Biometric) on the user’s secured device.	Varies by bank, typically a 2FA step is required.	3D Secure verification required, but card details are often stored.
Fraud Protection	High, due to tokenization (no data shared) and real-time regulatory oversight by Bank Indonesia.	Moderate, relies solely on the security of the individual banking platform.	High, includes chargeback protection, but is vulnerable if the card details are compromised on an insecure site.
Regulatory Status	National Standard with strict AML/CTF rules enforced by the central bank.	Standard banking laws apply, but lacks the specific, unified digital payment oversight of QRIS.	Governed by global payment network rules (Visa/Mastercard).

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QRIS Advantage: QRIS is inherently more secure because it never exposes your sensitive financial details (like card or bank account numbers) to the slot operator, minimizing the risk of data breaches.

3. Fees and Limits

Factor	QRIS	Traditional Bank Transfer	Credit/Debit Card
User Deposit Fee	Generally Free for the player.	Generally Free (unless interbank transfer fees apply).	Varies, often free to the user, but can include fees.
Merchant Fee (MDR)	Lower and standardized, set by Bank Indonesia (around 0.7% for standard business categories).	Varies by the acquiring bank/processor, often higher than QRIS.	Highest (typically 2-4%), due to high fraud risk and network costs.
Max Transaction Limit	High, up to IDR 10,000,000 per transaction, with higher cumulative limits possible depending on the source account.	High, dependent on the user’s banking limit.	Varies greatly based on card type and bank limit.

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QRIS Advantage: While the user deposit fee is comparable, the low and government-regulated merchant fee (MDR) for QRIS makes it a much more attractive and sustainable option for slot platforms, often resulting in better terms and service for the players.

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