How It Works

QR Ph Standard: The Philippines has adopted a national QR code standard called QR Ph, based on the Europay-Mastercard-VISA (EMV) standard for secure payments. This ensures interoperability between different banks and e-wallets.
Scanning: Users with accounts at participating banks or e-money issuers (EMIs) can use their mobile banking or e-wallet applications to scan QR Ph codes displayed by merchants or other individuals.
Payment Initiation: After scanning, the app typically prompts the user to enter the payment amount (for static QR codes) or the amount is pre-filled (for dynamic QR codes).
Confirmation: The user reviews the transaction details and confirms the payment within their mobile app, often using a PIN, fingerprint, or facial recognition for security.
Instant Transfer: Funds are typically transferred in near real-time between the payer's and the recipient's accounts.

Payment Method type

Users can use the below payment method type to create a transaction using QR in the available geography

Functionality	Yes/No	Description
Refund Support
Full Refund	❌
Partial Refund	❌
Generally Available	✅	Means that the payment method is available by default and does not need any additional configuration/approval.
Dispute and Chargebacks	✅

The following is the upper and lower limits for QR transactions:

The default expiration for a transaction is 30 minutes.

Native Experience

For more details, please click here.