Sebelum terstandarisasi dengan QRIS, aplikasi pembayaran hanya dapat melakukan pembayaran pada merchant yang memiliki akun dari PJSP yang sama karena QR code yang digunakan tidak terstandarisasi. Saat ini, dengan adanya standar QRIS, seluruh aplikasi pembayaran dari PJSP apapun dapat melakukan pembayaran menggunakan QR code di seluruh merchant mesk
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