Avoid QRIS Fraud with These Simple Steps: An Effective Strategy to Protect SMEs

In today’s digital era, QRIS has become a popular payment method across all types of businesses, from small street stalls to modern cafés. Unfortunately, this convenience also creates new opportunities for unscrupulous individuals to commit QRIS fraud.

The schemes can vary, from fake QR codes to counterfeit payment receipts. That’s why both consumers and business owners need to know how to protect themselves and ensure secure transactions.

This article will cover common QRIS fraud schemes, practical tips for customers, and a special guide for SME owners using the Labamu app.

Common QRIS Fraud Schemes

Although QR codes seem simple, they can be manipulated for malicious purposes. Here are some of the most common QRIS fraud schemes:

1. Fake or Replaced QR Codes

   Fraudsters place their own QR code over the merchant’s original code. As a result, the customer’s payment goes to the fraudster’s account instead of the intended merchant.

   
   

2. Fake Payment Proof (Edited Screenshots)

   In this scheme, scammers show a screenshot that appears to confirm a payment, but it’s actually edited. Merchants who aren’t careful may be deceived into thinking the transaction was successful.

   
   

3. QR-Based Quishing or Phishing

   This targets customers by redirecting a legitimate payment QR to a fake website. From there, personal or banking information can be stolen. Some sites even request dangerous confirmations that compromise customer security.

   
   

Being aware of these fraud schemes is the first step to staying vigilant when using QRIS.

Safe Payment Tips for Customers Using QRIS

If you’re a customer making payments via QRIS on Labamu or any other app, there are several simple steps to help you avoid fraud:

1. Check the Recipient Name and Amount Carefully

   After scanning the QR code, make sure the merchant’s name and payment amount are correct. Don’t rush to press “pay” until you’re certain both are accurate.

   
   

2. Use Official Apps to Avoid QRIS Fraud

   Always use mobile banking or e-wallet apps downloaded from official sources like the App Store or Google Play.

   
   

3. Don’t Trust Screenshots Easily

   As mentioned earlier, payment proofs in the form of screenshots can be faked. If in doubt, request confirmation via account statement or digital receipt.

   
   

4. Stop if You Feel Pressured

   Scammers often exploit rushed situations. If someone pressures you to pay immediately without checking, even if it’s the seller, it’s safer to stop the transaction.

   
   

5. Document Suspicious Activity

   If something feels off, safely take a photo of the QR code, note the transaction time, and immediately contact the merchant or bank. If the seller uses Labamu, don’t hesitate to contact Labamu Support.

   
   

By following these steps, you can feel more confident and secure when using QRIS for your daily transactions.

Safe Guide for Merchants Using QRIS

For business owners, securing QRIS is just as important as safeguarding cash. Here are some practical guidelines to avoid falling victim to QRIS fraud:

1. Place QRIS in a Safe Location

   Ensure your QR code is clearly visible, such as on the cashier’s desk with a dedicated holder. Avoid placing it where anyone can easily tamper with it.

   
   

2. Use Tamper-Proof Protection

   If possible, use labels or holders with special seals so you can easily spot if the QR code has been replaced.

   
   

3. Confirm Payments Directly with Customers

   Encourage customers to check the store name displayed on their app. If it’s different, suspect potential fraud immediately.

   
   

4. Train Employees on QRIS Fraud

   Teach staff to recognize suspicious QR codes, verify valid transaction proofs, and know the reporting steps if fraud is suspected.

   
   

5. Regularly Check QRIS at Your Outlet

   Don’t underestimate this habit. Routine checks help ensure the QR code is original and hasn’t been replaced.

   
   

If you notice a suspicious QR code or become a victim of fraud, save evidence such as a photo of the QR and a screenshot of the transaction. Then, contact Labamu through the app’s support feature.

Don’t forget to also report the incident to the QRIS-issuing bank or relevant authorities.

Labamu: A Safer Supporting App for SMEs

For those who don’t know yet, Labamu is an all-in-one app for SMEs that helps business owners manage operations, accept payments, and enhance the customer experience.

One of its standout features is QR Menu, which is more than just a regular QR code—it’s an integrated transaction management system. With QR Menu, business owners can not only receive payments but also display a digital menu, record orders, and reduce the risk of errors or fraud.

What Is QR Menu in Labamu?

QR Menu is an innovative Labamu feature that combines QRIS technology with a digital ordering system. Instead of a static QR code, merchants can create a digital menu directly connected to the payment system.

Key Advantages of QR Menu:

• Interactive digital menu: Customers scan the QR code at the table or cashier and immediately see the full menu on their phone. No more waiting for a physical menu.

• Order and pay directly: After selecting items, customers can pay via QRIS. Transactions are automatically recorded in Labamu, eliminating room for fake payment proofs.

• More transparent transactions: All order and payment data is logged in the system, allowing merchants to verify without relying on screenshots.

• Safe from QRIS fraud: QR Menu is hard to replace with a fake QR code because each order is linked to Labamu’s system and automatically verified.

• Saves time and costs: No need to reprint menus repeatedly. Price changes or new items can be updated instantly via the app.

  
  

Benefits of QR Menu for SMEs

For SME owners, Labamu’s QR Menu is not only about preventing QRIS fraud but also improving customer experience and business efficiency:

• Customers enjoy convenience by viewing the menu, ordering, and paying directly from their phones.

• Your business looks modern with a digital system.

• Sales data is well-organized, making it easier to analyze daily transactions.

• Reduces queues since customers can order from their tables without waiting for staff.

  
  

With these advantages, QR Menu helps SMEs compete with larger businesses without high costs.

In the digital era, securing transactions is a must. Don’t let your business fall victim to QRIS fraud. With Labamu and the QR Menu feature, you can protect your business while providing the best experience for your customers.