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Summary

Bank Indonesia has emphasized that merchants must not refuse cash payments from consumers, addressing growing concerns about businesses only accepting digital payments. This statement comes in response to public complaints about merchants preferring non-cash transactions, such as using cards or digital wallets. While Bank Indonesia supports the digitalization of payments, it stresses the importance of accepting physical rupiah as a valid form of payment. The central bank urges all merchants, including small stores, to continue accepting cash alongside digital payment methods to ensure broad accessibility and fairness.

Takeaways

• 😀 Bank Indonesia emphasizes that merchants must accept cash payments from consumers.
• 😀 The statement from Bank Indonesia responds to complaints about merchants refusing cash payments.
• 😀 Some merchants have been accepting only non-cash payments, such as digital payments and credit cards.
• 😀 Despite encouraging digitalization, Bank Indonesia asserts that physical cash (Rupiah) must still be accepted.
• 😀 Bank Indonesia urges merchants, including small stores and vendors, to continue accepting physical Rupiah currency.
• 😀 Bank Indonesia clarifies that it is illegal to refuse Rupiah as payment within the Indonesian territory (NKRI).
• 😀 The principle is that both cash (Rupiah) and non-cash methods are acceptable, as long as the payment is in Rupiah.
• 😀 There is an ongoing push for digital payment options, but cash remains a valid and required method of payment.
• 😀 Recent complaints have emerged about some merchants not accepting cash, preferring digital payments only.
• 😀 The rise of digital payment adoption has led some merchants to exclusively offer non-cash payment options like debit and credit cards.

Q & A

What is Bank Indonesia's stance on merchants refusing cash payments?

Bank Indonesia asserts that merchants cannot refuse cash payments from consumers, as all merchants must accept Rupiah in both physical and digital forms.

Why did Bank Indonesia issue this statement regarding cash payments?

Bank Indonesia issued this statement in response to increasing public complaints about merchants rejecting cash payments, preferring only digital transactions.

What digital payment methods are being favored by merchants?

Merchants are increasingly opting for digital payment systems such as Kris, debit cards, and credit cards.

What is Bank Indonesia's position on the adoption of digital payments?

While Bank Indonesia encourages the adoption of digital payments, it emphasizes that merchants must still accept cash payments in Rupiah.

Is there any legal obligation for merchants to accept cash in Indonesia?

Yes, it is mandatory for merchants to accept Rupiah as payment, whether in physical or digital form, as stipulated by Bank Indonesia.

What is the primary reason behind Bank Indonesia's encouragement of cash acceptance?

The main reason is to ensure that everyone, regardless of access to digital payment tools, can still engage in transactions using cash, ensuring inclusivity.

What kind of complaints have been raised by the public regarding payments?

The public has complained about merchants rejecting cash payments, especially as digital payment methods become more widespread.

How has the widespread adoption of digital payments affected merchants?

Many merchants have chosen to offer only digital payment options, potentially limiting choices for consumers who prefer or rely on cash.

Does Bank Indonesia support the use of both digital and physical payments?

Yes, Bank Indonesia supports both forms of payment, but it insists that merchants must accept Rupiah in physical form in addition to digital methods.

What actions does Bank Indonesia expect from merchants regarding payment methods?

Bank Indonesia expects merchants to continue accepting both cash and digital payments, ensuring they do not refuse cash payments under any circumstances.