{"id":389815,"date":"2018-07-31T17:48:18","date_gmt":"2018-07-31T10:48:18","guid":{"rendered":"http:\/\/vibiznews.com\/?p=389815"},"modified":"2018-07-31T17:48:18","modified_gmt":"2018-07-31T10:48:18","slug":"bank-indonesia-dorong-masyarakat-gunakan-kartu-berlogo-gpn","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2018\/07\/31\/bank-indonesia-dorong-masyarakat-gunakan-kartu-berlogo-gpn\/","title":{"rendered":"Bank Indonesia Dorong Masyarakat Gunakan Kartu Berlogo GPN"},"content":{"rendered":"

(Vibiznews \u2013 Banking & Insurance) \u2013 Saat ini Bank Indonesia mendorong masyarakat menggunakan kartu ATM\/Debet\u00a0berlogo Gerbang Pembayaran Nasional (GPN) dengan melakukan penukaran kartu ATM\/Debet\u00a0di bank terdekat karena banyak manfaatnya bagi masyarakat. Untuk memfasilitasi hal tersebut, Bank Indonesia juga bekerja sama dengan perbankan menyelenggarakan Pekan\u00a0Penukaran Kartu Berlogo\u00a0GPN di\u00a017\u00a0wilayah\u00a0yang tersebar di\u00a0Indonesia\u00a0selama periode\u00a029 Juli – 3 Agustus 2018.\u00a0Untuk selanjutnya, akan dilakukan kegiatan serupa secara bertahap di 3\u00a0tahap\u00a0berikutnya yang akan diselenggarakan hingga Oktober 2018. Hal ini sejalan dengan kewajiban pencantuman logo nasional (GPN) untuk kartu ATM\/Debet yang telahdimulai sejak tanggal 1 Januari 2018.<\/p>\n

Upaya mendorong masyarakat menggunakan kartu berlogo GPN dengan mempertimbangkan 5 (lima) manfaat yang dapat diperoleh masyarakat. Pertama, masyarakat dapat mengunakan kartu ATM\/Debet\u00a0berlogo GPN untuk melakukan transaksi di semua kanal pembayaran di seluruh Indonesia. Kedua, masyarakat dapat bertransaksi dengan aman dan nyaman karena kartu ATM\/Debet\u00a0GPN telah dilengkapi dengan fitur keamanan yang terstandarisasi serta seluruh proses dilakukan di dalam negeri melalui jaringan domestik.\u00a0\u00a0Ketiga, masyarakat tidak dikenakan biaya oleh\u00a0merchant\u00a0<\/em>dikarenakan penetapan\u00a0Merchant Discount Rate\u00a0<\/em>(MDR)[1]<\/sup>.\u00a0Keempat, masyarakat tidak perlu membawa uang tunai dalam jumlah besar karena seluruh kanal pembayaran sudah saling terkoneksi (interkoneksi) dan saling dapat diwujudkan (interoperabilitas).<\/p>\n

Kelima, biaya administrasi yang lebih murah karena seluruh pemrosesan dilakukan di domestik\u00a0sehingga lebih efisien. Berikut perbandingan skema harga sebelum dan sesudah implementasi GPN:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Jenis Skema Harga<\/strong><\/td>\nSebelum GPN<\/strong><\/td>\nSesudah GPN<\/strong><\/td>\nKeterangan<\/strong><\/td>\n<\/tr>\n
a.<\/strong>\u00a0\u00a0\u00a0\u00a0<\/strong>On us\u00a0<\/strong>(transaksi dilakukan oleh penerbit dan\u00a0acquirer<\/em>[2]<\/sup>yang sama)<\/td>\n\u00b7\u00a0\u00a0\u00a0\u00a0MDR dibebankan kepada merchant\/ pedagang (seperti yang saat ini berlaku)<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0Angka\/harga ini akan dievaluasi secara berkala dan dapat ditinjau kembali apabila diperlukan<\/p>\n

 <\/td>\n<\/tr>\n

Merchant Reguler<\/td>\nMDR berkisar s.d. 3,5%<\/td>\nMDR 0,15%<\/td>\n<\/tr>\n
Merchant Khusus Pendidikan<\/td>\nMDR berkisar s.d 3,25%<\/td>\nMDR 0,15%<\/td>\n<\/tr>\n
Merchant Khusus SPBU<\/td>\nMDR berkisar s.d 3,25%<\/td>\nMDR 0,15%<\/td>\n<\/tr>\n
Merchant Khusus G2P, P2G, Donasi<\/td>\nMDR berkisar s.d 3,25%<\/td>\nMDR 0%<\/td>\n<\/tr>\n
b.<\/strong>\u00a0\u00a0\u00a0\u00a0<\/strong>Off us\u00a0<\/strong>(transaksi dilakukan oleh penerbit dan\u00a0acquirer\u00a0<\/em>yang berbeda)<\/td>\n<\/tr>\n
Merchant Reguler<\/td>\nMDR berkisar s.d. 3,5%<\/td>\nMDR 1%<\/td>\n<\/tr>\n
Merchant Khusus Pendidikan<\/td>\nMDR berkisar s.d 3,25%<\/td>\nMDR 0,75%<\/td>\n<\/tr>\n
Merchant Khusus SPBU<\/td>\nMDR berkisar s.d 3,25%<\/td>\nMDR 0,5%<\/td>\n<\/tr>\n
Merchant Khusus G2P, P2G, Donasi<\/td>\nMDR berkisar s.d 3,25%<\/td>\nMDR 0%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

[1]<\/sup>\u00a0Merchant Discount Rate<\/em>\u00a0adalah\u00a0tarif yang dikenakan kepada pedagang oleh bank.<\/p>\n

[2]<\/sup>\u00a0Acquirer\u00a0<\/em>adalah Bank atau lembaga selain Bank yang melakukan kerjasama dengan\u00a0merchant,\u00a0<\/em>yang dapat memproses data uang elektronik yang diterbitkan oleh pihak lain.<\/p>\n

 <\/p>\n

Sumber : Bank Indonesia<\/em><\/p>\n

Belinda Kosasih\/Coordinating Partner of Banking Business Services\/Vibiz Consulting Group<\/em><\/p>\n

Editor : Asido Situmorang<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

(Vibiznews \u2013 Banking & Insurance) \u2013 Saat ini Bank Indonesia mendorong masyarakat menggunakan kartu ATM\/Debet\u00a0berlogo Gerbang Pembayaran Nasional (GPN) dengan melakukan penukaran kartu ATM\/Debet\u00a0di bank terdekat karena banyak manfaatnya bagi masyarakat. Untuk memfasilitasi hal tersebut, Bank Indonesia juga bekerja sama dengan perbankan menyelenggarakan Pekan\u00a0Penukaran Kartu Berlogo\u00a0GPN di\u00a017\u00a0wilayah\u00a0yang tersebar di\u00a0Indonesia\u00a0selama periode\u00a029 Juli – 3 Agustus 2018.\u00a0Untuk […]<\/p>\n","protected":false},"author":101013,"featured_media":373143,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[353],"tags":[7813],"class_list":["post-389815","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","tag-bi-dorong-masyarakat-gunakan-kartu-berlogo-gpn"],"yoast_head":"\nBank Indonesia Dorong Masyarakat Gunakan Kartu Berlogo GPN - Vibiznews.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vibiznews.com\/index.php\/2018\/07\/31\/bank-indonesia-dorong-masyarakat-gunakan-kartu-berlogo-gpn\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank Indonesia Dorong Masyarakat Gunakan Kartu Berlogo GPN - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"(Vibiznews \u2013 Banking & Insurance) \u2013 Saat ini Bank Indonesia mendorong masyarakat menggunakan kartu ATM\/Debet\u00a0berlogo Gerbang Pembayaran Nasional (GPN) dengan melakukan penukaran kartu ATM\/Debet\u00a0di bank terdekat karena banyak manfaatnya bagi masyarakat. 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