Indonesia’s QRIS Boom Puts Focus on Salon Software Kasera and Payment Records

Digital payments in Indonesia keep expanding, and a local software developer is putting the spotlight on a sector that has received less attention: personal services such as salons and barbershops. Kasera builds a salon management system that connects QRIS payments, service records and commission calculation into a single workflow, at a time when Bank Indonesia data shows QRIS usage climbing sharply.

QRIS numbers keep climbing

Bank Indonesia (BI) recorded 15.51 billion QRIS transactions over the course of 2025, a rise of 148.54% compared with the previous year, with transaction value reaching Rp1,420.66 trillion. The trend continued in the first half of 2026, when the number of QRIS transactions reached 12.55 billion. As of June 2026, BI counted 44.86 million QRIS merchants and about 66 million users.

The central bank targets 17 billion transactions and 47 million merchants by the end of 2026. About 96.68% of those merchants are micro, small and medium enterprises, or UMKM in Indonesian.

Why salons are a different case

Discussion of digital payment adoption has mostly focused on retail and food and beverage businesses. Personal services such as salons, barbershops, beauty clinics and spas have different transaction characteristics, and BI data does not yet separate personal services into its own category.

In retail, a transaction usually consists of a set of items the customer buys. In a salon, one transaction can involve several services performed by different stylists, add-on products bought by the customer, and a tip for the stylist. The value can also be larger than an ordinary retail purchase, and the service itself may run for tens of minutes to several hours, with payment usually made only after all the work is finished.

The reconciliation burden

All of that makes payment a critical point in salon operations, especially during busy hours. When digital payments are not connected to a service record, owners still have to reconcile by hand: matching the incoming transactions with the day’s service list, separating business revenue from stylist tips, and then working out commissions based on the services each stylist performed.

The task becomes more complicated when a salon accepts payments through several methods, and reconciliation is often done after the business closes, which adds to the administrative load on owners and managers.

How Kasera fits in

Kasera develops a salon management system that connects payment, service records and commission calculation in one workflow. Through the salon POS feature, a QRIS transaction can be linked to the service and to the stylist who performed it. That data then becomes the basis for calculating commission according to the rules the owner has set.

The wider point is that digital payment does not stop at accepting money without cash. It can become part of how a business is run day to day. For service businesses such as salons, one simple indicator is how much time is still needed to reconcile payments with services and commissions each day.

Frequently Asked Questions

How large is QRIS usage in Indonesia?

Bank Indonesia recorded 15.51 billion QRIS transactions in 2025, 148.54% more than the previous year, with a value of Rp1,420.66 trillion, and 12.55 billion transactions in the first half of 2026.

Why is payment recording harder for salons than for shops?

A single salon transaction can cover several services by different stylists, add-on products and a tip, and payment is usually collected after the service is completed, so matching payments to services takes more work.

What does Kasera do?

It develops a salon management system that ties QRIS payments to services and stylists, and calculates commission from the same record.

Source: Katadata

Cover image generated by AI for illustrative purposes only.