QRIS cross-border payments are Indonesia's effort to extend its domestic QR payment standard — Quick Response Code Indonesian Standard — beyond its own borders, letting users scan a QR code to pay in a partner country using their home banking or e-wallet app, without needing local cash or a currency exchange. Indonesia's QRIS network already supports roughly 56 million domestic users and 45 million merchants, and Bank Indonesia has been steadily building outward from that base since QRIS first went live cross-border with Thailand in 2022.

PT PMA capital refers to the paid-up capital a foreign-owned limited liability company (Perusahaan Penanaman Modal Asing, or PT PMA) must deposit into its bank account at the time of incorporation. Under BKPM Regulation No. 5 of 2025, issued by Indonesia's Minister of Investment/Head of BKPM and effective October 2, 2025, that minimum dropped from IDR 10 billion to IDR 2.5 billion — a 75% cut, from roughly $600,000 to somewhere between $150,000 and $162,500 depending on the exchange rate used.