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This study aims to analyze the implementation of the Quick Response Code Indonesian Standard (QRIS), the obstacles encountered in its implementation, and the growth of QRIS merchants at Bank Nagari Pasar Raya Branch in Padang City. This research uses a qualitative method with data collection techniques including interviews, observation, and documentation. The results show that the implementation of QRIS by Bank Nagari aims to support non-cash payment systems and increase transparency in payment collection, especially in the government sector such as retribution and administrative payments. In addition, QRIS is also used by various merchants including shops, traders, stalls, parking services, and tourist attractions. The benefit for Bank Nagari from implementing QRIS is the opening of merchant savings accounts and the application of a Merchant Discount Rate (MDR) fee of 0.6%. However, there are several obstacles in its implementation, such as the lack of understanding among merchants regarding the QRIS system, dissatisfaction with the 0.6% MDR fee, merchants' preference for cash transactions, and limited internet network access that disrupts transaction processes. Data on the growth of QRIS merchants at Bank Nagari Pasar Raya Branch in Padang City during the period 2020–2025 shows fluctuating development. The number of merchants experienced decreases and increases in several years, but in 2025 the number reached the highest level with 414 merchants. This indicates that the use of QRIS among business actors has begun to increase although it is still in the adjustment stage.

Keywords: Merchant QRIS Bank Nagari, digital payment system, merchant, Document Bank Nagari, Bank Nagari Pasar Raya.