Vol. 2 No. 2 (2025): MARCH 2025

This study looks at how well QRIS through GoPay Merchant works for non-cash transactions in Cisangku Village and Malasari Village, which have trouble with digitalization in a rural area. The goal is to check how efficient it is, find out the challenges, and see how prepared the MSMEs are. The research uses a qualitative descriptive-analytical approach and interviews 10 people, including MSMEs and village officials. The data is analyzed using the interactive model from Miles and Huberman. The results show that QRIS GoPay Merchant improves transaction efficiency, speed, security (by reducing cash handling), and makes financial recording easier for MSMEs. However, the main challenges include limited internet infrastructure and the low digital literacy among the village community. In conclusion, QRIS GoPay Merchant is effective but its long-term success depends on the support from the Malasari Village Government through digital training and improved network infrastructure.