This study investigates the influence of perceived ease of use and perceived security on the intention to use Quick Response Code Indonesian Standard (QRIS) among Micro, Small, and Medium Enterprises (MSMEs) fostered by Bank Indonesia’s Central Java Regional Office (KPw BI Jawa Tengah). As digital payments continue to expand in Indonesia’s financial ecosystem, understanding behavioral factors that drive MSMEs to adopt QRIS is crucial for inclusive economic transformation. This research employs a mixed-method approach, combining quantitative analysis based on a structured questionnaire (n = 57) selected through random sampling, and qualitative insights obtained from in-depth interviews with three representative MSME actors across various sectors. The results of multiple linear regression analysis reveal that both perceived ease of use (p = 0.009) and perceived security (p = 0.002) have a positive and statistically significant impact on the intention to use QRIS, supporting the theoretical framework of the Technology Acceptance Model (TAM). These findings are further enriched by interview responses indicating that user-friendly features, trust in system security, and institutional credibility (e.g., supervision by Bank Indonesia) play key roles in shaping MSMEs’ willingness to integrate QRIS into their daily operations. The study provides both theoretical contributions and practical recommendations for policymakers, fintech developers, and financial institutions to promote sustainable digital adoption by enhancing usability and security frameworks targeted at MSMEs.