Honest Card has expanded the role of its credit limit by linking it to QRIS MPM, or Merchant Presented Mode. Through this feature, users can pay by scanning a QRIS code while the transaction is charged to the Honest credit card limit instead of a savings balance or digital wallet.
The experience stays familiar for everyday users because the payment flow still begins with a QR scan. What changes is the funding source, since the purchase is recorded as a credit card transaction and later appears in the monthly bill.
Bringing credit closer to daily spending
The move reflects how QRIS has already become part of routine payments in Indonesia. Honest sees that behavior as an opening to make credit card usage more practical for small, frequent purchases that are often paid for with cash or e-wallets.
With Honest QRIS MPM, the credit limit can be used for everyday needs such as buying food at a stall or paying for transportation. That positioning also challenges the long-standing idea that credit cards are mainly suited for larger transactions.
Will Ongkowidjaja, Co-Founder Honest and President Commissioner PT Honest Financial Technologies, said, “QRIS is how people in Indonesia pay every day. With Honest QRIS MPM, we bring credit cards into that habit.”
A wider merchant reach through QRIS
Honest also points to the scale of QRIS acceptance as a key reason behind the feature. The payment system is reported to be accepted at more than 43.06 million merchants across Indonesia, ranging from large retail locations to small businesses.
That broad network gives Honest cardholders more flexibility when paying at different points of sale. Instead of being limited to specific merchants or payment channels, the credit limit can follow the payment patterns that users already have in many places.
For small merchants and UMKM operators, the feature also reinforces QRIS as payment infrastructure that is already closely tied to daily consumer needs. Honest positions the integration as a way to extend credit card utility without changing the core habit of how people pay.
One bill, clearer tracking
Beyond payment convenience, Honest emphasizes the financial management side of the feature. All QRIS transactions are consolidated into one transparent monthly bill, making it easier for users to monitor spending in an orderly way.
This model reduces the need to spread transactions across multiple accounts or e-wallets. With a centralized record, users can more clearly review their credit limit usage and routine spending patterns.
The approach also fits Honest’s broader direction in digital payments. As QRIS adoption expands, integrations like this are seen as a way to widen access to digital financial services while keeping credit use transparent and responsible.
Honest says its service development will continue to focus on responsible credit that aligns with modern financial needs. In that sense, QRIS MPM is more than a new payment channel, as it connects everyday transactions with a more flexible credit access model.