Payment system Quick Response Code Indonesian Standar (QRIS) there are costs charged to merchant, namely Merchant Discount Rate commonly called MDR. Based on the provisions of Article 52 paragraph (1) of Bank Indonesia Regulation (PBI) Number 23/6/PBI/2021 concerning Payment Service Providers, Merchant Discount Rate Fees are prohibited from being charged to consumers. In practice, QRIS merchants often charge the Merchant Discount Rate fee to consumers as QRIS users. This research aims to explain how consumers can take legal action against the imposition of Merchant Discount Rate fees.

The type of research used is descriptive normative juridical. Namely library law research which is carried out by examining library materials, both primary and secondary book materials. The approach used is a statutory approach and a conceptual approach. Data processing uses data analysis methods that are based on understanding and systematically processing data obtained from interviews and library research.