ShopeePay QRIS is free to activate and settles instantly. If your online store still can’t take it, you’re leaving sales at checkout. Registering as a ShopeePay merchant takes one form and a couple of photos — here’s the exact process, plus the real fee numbers for 2026.
What Do You Need Before You Register as a ShopeePay Merchant?
To register as a ShopeePay merchant you need: basic business data (name, category, address), clear photos of your storefront or products, a settlement destination for QRIS proceeds, and — if you plan to add ShopeePay to an online-store checkout rather than a physical counter — a payment gateway account instead of direct registration.
Have these ready before you start. ShopeePay’s own registration page flags incomplete data and blurry photos as the most common reason applications stall.
- Business details — business/store name, category, and operating address
- Storefront or product photos — ShopeePay’s verification step asks for clear images of your shop or product listings, per ShopeePay’s official merchant page
- Settlement destination — funds disburse instantly to your ShopeePay Merchant balance, which you can then withdraw or use directly
- A registered business entity (gateway path only) — only needed if you’re skipping direct ShopeePay registration and integrating through a payment gateway instead, covered further down
How Do You Register as a ShopeePay Merchant, Step by Step?
This is the direct path through ShopeePay’s merchant registration flow — the fastest way to start accepting ShopeePay at a physical counter, over chat, or through social commerce. Per ShopeePay’s merchant registration page:
- Go to the ShopeePay merchant page or open the “Merchant” section in the ShopeePay app. This starts the QRIS registration flow.
- Fill in your business profile. Business name, category, and operating address.
- Upload photos of your storefront or products. This is the step ShopeePay verifies before activating your QR code.
- Submit your application. ShopeePay reviews the data and photos before turning on QRIS.
- Wait for activation. ShopeePay states QRIS typically goes live within 1-2 business days once your submission is complete.
- Choose your QRIS mode. ShopeePay supports QRIS Statis (display a fixed QR code for customers to scan and enter the amount) and QRIS Dinamis (you enter the amount first, then show the code).
- Run a test transaction. Scan your own code from another QRIS-compatible e-wallet or banking app to confirm funds land in your ShopeePay Merchant balance before relying on it for real sales.
- Optional: generate a Payment Link. ShopeePay lets merchants create a shareable payment link with an amount and description attached — useful for chat orders and social selling without a physical QR code.
How Much Does ShopeePay Merchant Cost in 2026?
ShopeePay does not charge a signup fee for merchant registration. The cost is the QRIS MDR (Merchant Discount Rate) set by Bank Indonesia — and it just got cheaper. Effective October 1, 2026, Bank Indonesia expanded its 0% MDR policy to every merchant category for transactions up to Rp 100,000, on top of the existing 0% rate for micro merchants up to Rp 500,000.
Here’s the rate table, per Bank Indonesia’s official August 2026 policy announcement — the same QRIS MDR structure applies whether the QR code shown is ShopeePay-branded, DANA-branded, or any other QRIS-participating wallet, because QRIS is a Bank Indonesia interoperability standard, not a ShopeePay-specific fee schedule:
| Merchant Category | Transaction ≤ Rp 100,000 | Transaction Rp 100,001–500,000 | Transaction > Rp 500,000 |
|---|---|---|---|
| Micro (UMI) | 0% | 0% | 0.3% |
| Small / Medium / Large | 0% (new, from Oct 1, 2026) | 0.7% | 0.7% |
Before October 1, 2026, small, medium, and large merchants paid 0.7% on every QRIS transaction regardless of size. The expanded policy removes that fee entirely on transactions under Rp 100,000 for all merchant categories — a direct cut for any store selling lower-ticket items through QRIS.
One rule applies to every category: you can’t pass the MDR to your customer. Bank Indonesia requires merchants to absorb it; a surcharge at checkout is a reportable violation.
ShopeePay also promotes SPayLater, its own installment option, to merchants as a way to extend buying power without the merchant carrying the credit risk, per ShopeePay’s merchant page. Whether it’s worth enabling depends on your average order value and margin — treat it as a separate decision from basic QRIS acceptance, not a bundled requirement.
Should You Use ShopeePay Directly or a Payment Gateway for Your Online Store?
Direct ShopeePay registration gets you a scannable QR code and a Payment Link — ideal for a physical counter, chat orders, or a social-commerce storefront where the buyer scans or clicks to pay. It does not give your Shopify, WooCommerce, or custom-built online store a “Pay with ShopeePay” button at checkout.
For that, you integrate ShopeePay through a licensed payment gateway that lists it as a supported e-wallet method. Both Midtrans and Xendit offer this. As one reference point, Midtrans’s published pricing lists ShopeePay at a flat 1.5% per transaction, separate from the QRIS MDR structure above — because it’s routed as a direct e-wallet charge through the gateway’s API, not a scanned QRIS code.
| Path | Best For | How It Works | Fee Basis |
|---|---|---|---|
| Direct ShopeePay (QRIS) | Physical counters, chat/social selling, informal storefronts | Customer scans your QR code or opens your Payment Link | Bank Indonesia MDR (0%–0.7%, by category and amount) |
| Payment gateway (Midtrans, Xendit) | Shopify, WooCommerce, custom-built checkout | ShopeePay appears as a payment option in your gateway’s checkout flow, charged via API | Gateway’s published e-wallet rate (e.g., 1.5% at Midtrans) |
If you’re only selling through chat or social channels, direct ShopeePay registration is faster and has no integration work. If you run an actual online-store checkout and want ShopeePay alongside cards, bank transfer, and other e-wallets in one flow, go through a gateway — see the linked guides above for the full setup steps.
Note that ShopeePay’s own QR code is one implementation of Indonesia’s universal QRIS standard. Any QRIS-compatible app — GoPay, DANA, OVO, or a bank’s mobile app — can scan the same code and settle to the merchant’s linked account, so registering with ShopeePay does not lock out customers using a different e-wallet at the counter.
Frequently Asked Questions
Is it free to register as a ShopeePay merchant?
Yes. ShopeePay does not charge a signup fee to register as a merchant or activate QRIS, per ShopeePay’s official merchant page. The cost you pay is the per-transaction MDR set by Bank Indonesia, not a fee for the registration itself.
How long does ShopeePay merchant verification take?
ShopeePay states QRIS activates within 1-2 business days of submitting your business data and store or product photos, per ShopeePay’s official merchant onboarding page. Incomplete profiles or unclear photos are the most common reason activation takes longer than that window.
Can I accept ShopeePay directly on my Shopify or WooCommerce store?
Not directly. ShopeePay’s own QRIS and Payment Link tools are built for scan-to-pay at a counter, over chat, or on social media — not for a hosted online-store cart. To let customers choose ShopeePay at checkout on Shopify, WooCommerce, or a custom store, you integrate through a licensed payment gateway such as Midtrans or Xendit, which both list ShopeePay as a supported e-wallet method.
What is the ShopeePay QRIS MDR fee in 2026?
Under Bank Indonesia’s MDR QRIS policy, transactions up to Rp 500,000 by micro (UMI) merchants stay at 0%. Effective October 1, 2026, Bank Indonesia expanded the 0% rate to all merchant categories for transactions up to Rp 100,000, per Bank Indonesia’s official August 2026 announcement. Above those thresholds, the standard rate applies: 0.3% for micro merchants and 0.7% for small, medium, and large merchants.
Do I need an NPWP (tax ID) to register as a ShopeePay merchant?
ShopeePay’s published registration flow asks for business data and storefront or product photos — an NPWP is not listed as a required document for basic ShopeePay merchant and QRIS activation. Larger merchants integrating through a payment gateway for a formal ecommerce checkout should expect the gateway, not ShopeePay directly, to request business legal documents depending on business type.