In this digital era, many business owners are switching to cashless payment methods because they are faster, safer, and more practical. One of the best solutions for accepting digital payments is using the Labamu application, which already provides a QRIS system.
However, before you start using this service, it is crucial to understand the applicable transaction fees.
Therefore, make sure to read this article completely as it will discuss in detail the digital transaction (QRIS) fees on Labamu, including the fee differences for Basic, Premium, and Pro memberships.
Additionally, you will also learn how Labamu QRIS can help make your business more efficient.
Labamu QRIS Transaction Fees for Basic Membership
If you use Basic Membership on Labamu, there are several provisions regarding transaction fees that need to be noted.
1. Transactions Below Rp500,000
For every transaction with a value less than Rp500,000, you will not be charged a Merchant Discount Rate (MDR). This means the MDR fee is 0%. This is clearly beneficial if your customers frequently make small to medium-value transactions.
2. Transactions Above Rp500,000
If the transaction value is more than Rp500,000, an MDR fee of 0.3% will apply. This fee is relatively low compared to the standard QRIS fees of many other service providers.
Please note that the provisions in the first and second points only apply if you are registered as a Micro Business, indicated by owning a Labamu Static QRIS. Therefore, if your business is still classified as micro, the transaction fees you pay can be more economical.
What if you are not registered as a Micro Business? For Basic users who do not have Micro Business status, the MDR fee charged is 0.7% per transaction. This fee remains competitive, but it is certainly more economical if you can qualify as a Micro Business.
Platform Fees for Basic
In addition to MDR, Basic Membership users are also charged a platform fee of 2% for each transaction. This platform fee is a contribution towards the maintenance of Labamu’s system and services.
QRIS Transaction Fees for Premium and Pro Memberships
If you choose Premium or Pro Membership, you will experience several additional benefits compared to Basic.
1. Transactions Below Rp500,000
Similar to Basic, all transactions with a value less than Rp500,000 are not subject to MDR fees, i.e., 0%.
2. Transactions Above Rp500,000
Meanwhile, for transaction values exceeding Rp500,000, an MDR fee of 0.3% will be charged.
Please note that the provision for MDR-free small transactions and 0.3% MDR for large transactions only applies if you have a Labamu Static QRIS. In other words, Premium or Pro account holders must also use Static QRIS to enjoy the special rates for Micro Businesses.
If you do not have a Labamu Static QRIS, the applicable MDR fee is 0.7% per transaction.
Platform Fees for Premium and Pro
This is the biggest advantage for Premium and Pro Membership users: no platform fees, meaning 0% for each transaction. Thus, the transaction fees you pay are lighter because there is only MDR as per the provisions, without additional platform fees.
Labamu QRIS Transaction Fee Table
For clarity, here is a summary table of transaction fees for each membership type on Labamu.
| Membership | Transactions< Rp500,000 | Transactions> Rp500,000 | Platform Fees |
| Basic | – Micro Business: Free – Non-Micro Business: 0.7% | – Micro Business: 0.3% – Non-Micro Business: 0.7% | 2% |
| Premium | – Micro Business: Free – Non-Micro Business: 0.7% | – Micro Business: 0.3% – Non-Micro Business: 0.7% | Free |
| Pro | – Micro Business: Free – Non-Micro Business: 0.7% | – Micro Business: 0.3% – Non-Micro Business: 0.7% | Free |
With the table above, you can directly see the transaction fee differences for each membership. If you want to save on platform fees, Premium and Pro are clearly more advantageous.
Why is it Important to Understand Transaction Fees?
As a business owner, understanding transaction fees is crucial so you can calculate profit margins more accurately. By knowing the fee details on Labamu, you can determine product and service pricing strategies, and choose the most suitable membership type for your business.
If your business is still small and has many transactions below Rp500,000, Basic Membership can be an initial choice. However, if the transaction volume is larger and you want to be free of platform fees, Premium or Pro can be more advantageous in the long run.
Benefits of the QRIS Feature on Labamu
In addition to competitive transaction fees, Labamu QRIS offers many attractive benefits to support your business, namely:
- Practical for all payments. Customers can pay from various digital wallet applications or mobile banking with just one QRIS code.
- Static and Dynamic QRIS. You can use Static QRIS for micro-businesses, with a fixed code that remains the same for every transaction, or Dynamic QRIS for larger businesses, with a code that changes according to the amount.
- Transaction report transparency. All transactions are automatically recorded in the Labamu system, allowing you to view sales reports easily and quickly.
- Guaranteed security. Labamu adheres to national payment system security standards, so every transaction is guaranteed to be secure.
- Easy business integration. You can use QRIS for various business models, whether cafes, online stores, services, or even MSMEs in the market.
With this feature, QRIS on Labamu not only simplifies things for customers but also helps you manage business finances more professionally. Thus, using QRIS on Labamu provides many advantages, especially in terms of transparent and affordable transaction fees.
With Labamu QRIS, your business becomes more efficient, secure, and ready to serve customers in a modern way. If you want to learn more about the QRIS feature or start using it for your business, visit the Labamu website directly.
