Be careful! Here are 5 Scam Modes Using QRIS

"Caution! Here are 5 Scam Modes Using QRIS"

Dream - Quick Response Indonesia Standart (QRIS) digital payment is now increasingly being used by the public. Unfortunately, this trend is also followed by many individuals who try to exploit QRIS as a modus operandi for increasing crimes.

Be careful! Here are 5 Scam Modes Using QRIS

Meanwhile, public interest in utilizing transactions through QRIS continues to deepen. Quoting Merdeka.com, Bank Indonesia (BI) recorded a 213.31 percent year-on-year (yoy) growth in QRIS transactions, with a total of 49.76 million users and 32.25 million merchants as of May 2024. As a precautionary measure, here are various QRIS fraud schemes that you need to know:

"Changing QRIS Barcode for Public Places"

Quoting the Bank Mega Syariah website, one of the commonly found forms of QRIS fraud is the installation of fake QRIS in public outlets. Usually, the perpetrators place fake QR codes in food and beverage merchants, and even public places such as charity boxes in mosques that use QRIS.

Screenshot QRIS Lama untuk Mengelabui Penjual

The QRIS screenshot mode must be watched out for by merchants. Scammers can use a QRIS screenshot that has been previously taken and then edit it. For this mode, scammers take advantage of the seller's carelessness while focusing on other buyers.

Although notifications can indeed be seen immediately once payment has been made. However, if many people pay at the same time, this can confuse sellers and ultimately allow scammers to successfully carry out their schemes.

"Changing Accounts on QRIS"

The lack of deep understanding among the community about QRIS allows this mode to happen. The mode is by changing the destination account for payment to the perpetrator's account.

The perpetrator will ask the victim to pay for what they want to buy to a different bank account number. The way to do it is by sending a fake QRIS showing a valid bank account number.

"Scamming"

The following is a translation of the given 'Bahasa' text to 'English' while preserving any html tags: "Next is Scamming that uses tactics to target the victim's psychology to make fund transfers through QRIS. The fraudster will claim to be an official party by offering rewards or significant benefits as compensation for the fund transfer that the victim will make."

"Phishing"

"The phishing fraud mode involves the use of disguise techniques. Usually, it is done by creating a fake website that closely resembles the official website of a non-cash payment service provider that the victim wants to use. When the victim is unaware of this, they enter personal data and make fund transfers through the QRIS created by the scammer. Once this happens, the scammer will obtain the victim's data as well as the transferred funds."

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