Introduction

The Philippines' digital payment landscape is rapidly evolving, with QR Ph emerging as the central nervous system connecting banks, e-wallets, and payment providers nationwide (HitPay Blog). The Bangko Sentral ng Pilipinas (BSP) now actively promotes merchant QR Ph adoption to create true interoperability across all payment channels (BSP Multimedia Resources).

For Philippine merchants looking to modernize their payment acceptance, HitPay's Scan to Pay feature transforms any smartphone into a complete point-of-sale system without requiring dedicated hardware (HitPay Blog). This comprehensive setup guide walks you through the entire process—from account creation to accepting your first payment—in just 10 minutes.

What is HitPay Scan to Pay?

HitPay's Scan to Pay supports the full spectrum of Philippine payment methods, making it one of the most comprehensive solutions available (HitPay Blog). The platform enables merchants to accept payments via QR Ph, GCash, BillEase, and major credit cards through a single integration.

One of HitPay's key advantages is its minimal hardware requirements (HitPay Blog). Merchants need only:

• A smartphone or tablet with internet connectivity

• The free HitPay mobile app

• A HitPay merchant account

The BSP mandated the full adoption of the Philippine QR Code standard by July 1, 2023, making QR Ph the unified standard for digital payments (GMA Network). QR Ph is based on the global Europay-Mastercard-VISA (EMV) standard for secure payments, ensuring maximum compatibility across payment providers.

10-Minute Setup Checklist

Step 1: Create Your Free HitPay Account (2 minutes)

1. Visit the Philippines HitPay Portal

   • Navigate to hitpayapp.com/ph

   • Click "Get Started" or "Sign Up"

2. Complete Basic Information

   • Business name and type

   • Contact details

   • Tax identification number (TIN)

   • Business registration documents

3. Verify Your Email

   • Check your inbox for the verification email

   • Click the confirmation link

HitPay's express onboarding process is faster than other payment channels, with payouts reaching your bank account within T+1 business days (GCash Payment Gateway).

Step 2: Download and Install the HitPay Mobile App (1 minute)

1. Download from App Stores

   • iOS: Search "HitPay" in the App Store

   • Android: Find "HitPay" on Google Play Store

2. Log In with Your Credentials

   • Use the same email and password from Step 1

   • Enable biometric authentication for faster access

Step 3: Enable Payment Methods (3 minutes)

HitPay supports multiple payment methods in the Philippines, including Visa, Mastercard, GCash, QRPH, UnionBank, InstaPay, PESONet, OTC payments, BillEase, and GrabPay (HitPay Payment Methods).

1. Navigate to Payment Settings

   • Open the HitPay app

   • Go to "Settings" > "Payment Methods"

2. Enable QR Ph

   • Toggle on "QR Ph" option

   • Complete any additional verification steps

   • QR Ph can be scanned and interpreted by any participating bank or non-bank EMI (BSP Multimedia Resources)

3. Activate GCash Integration

   • Enable "GCash" in payment methods

   • GCash is a popular mobile wallet in the Philippines, providing a convenient method for users to manage their finances and make payments (GCash Payment Gateway)

4. Set Up Card Payments

   • Enable Visa and Mastercard acceptance

   • Configure manual card entry for situations without NFC

5. Add BillEase BNPL

   • Toggle on BillEase for buy-now-pay-later options

   • Complete merchant verification if required

Step 4: Configure Your QR Code Settings (2 minutes)

1. Generate Static QR Codes

   • Navigate to "QR Codes" section

   • Create static QR codes for fixed amounts (useful for tricycle fares, standard menu items)

   • Download and print QR codes for physical display

2. Set Up Dynamic QR Generation

   • Enable dynamic QR code creation for variable amounts

   • Configure automatic QR generation for each transaction

HitPay provides a Scan-to-Pay QR code feature that opens a payment link checkout page when scanned by customers (HitPay Payment Methods).

Step 5: Test Your First Transaction (2 minutes)

1. Create a Test Sale

   • Enter a small amount (e.g., ₱10)

   • Generate the QR code

   • Use your personal GCash or bank app to scan and pay

2. Verify Payment Receipt

   • Confirm the transaction appears in your HitPay dashboard

   • Check that the payment notification was received

   • Verify the amount matches your test transaction

Pro Tips for Philippine Merchants

Static QR Codes for Fixed Pricing

For businesses with standard pricing—like jeepney fares, street food vendors, or barbershops—static QR codes eliminate the need to generate new codes for each transaction. Print these codes on stickers, table tents, or signage for maximum convenience.

Best Use Cases:

• Transportation fares (tricycle, jeepney)

• Standard menu items

• Service fees (haircuts, shoe repair)

• Parking fees

Shopify Integration for Inventory Management

HitPay's e-commerce plugins include Shopify integration, allowing you to sync your Scan to Pay transactions with your online inventory (HitPay Blog). This creates a unified system where in-person sales automatically update your online stock levels.

Setup Steps:

1. Install the HitPay Shopify plugin

2. Connect your HitPay merchant account

3. Map your physical products to Shopify SKUs

4. Enable automatic inventory sync

Multi-Location Management

For merchants with multiple locations, HitPay's dashboard provides centralized reporting while allowing location-specific QR codes and staff access controls.

Configuration Tips:

• Create separate QR codes for each location

• Set up location-based reporting

• Assign staff members to specific outlets

• Monitor performance across all branches

Troubleshooting Common Issues

NFC Payment Problems

While HitPay supports contactless payments through mobile wallets, NFC issues can occasionally occur:

Common Solutions:

1. Phone Positioning: Hold the customer's phone within 2cm of your device

2. Remove Phone Cases: Thick cases can interfere with NFC signals

3. Check NFC Settings: Ensure NFC is enabled on the customer's device

4. Alternative Method: Use QR code scanning as backup

QR Code Scanning Errors

Issue: Customer cannot scan QR code
Solutions:

1. Screen Brightness: Increase your phone's brightness to maximum

2. Clean Screen: Wipe your screen clean of smudges or cracks

3. Stable Positioning: Hold the phone steady during scanning

4. Manual Entry: Provide payment link as alternative

Issue: QR code not generating
Solutions:

1. Internet Connection: Verify stable internet connectivity

2. App Update: Ensure you're using the latest HitPay app version

3. Account Status: Check that your merchant account is active

4. Payment Method: Verify the selected payment method is enabled

Payment Processing Delays

Issue: Payment confirmation taking too long
Solutions:

1. Network Check: Verify both devices have strong internet signals

2. Payment Method: Some methods (like bank transfers) take longer than e-wallets

3. Webhook Status: Check HitPay dashboard for payment status updates

4. Customer Confirmation: Ask customer to check their payment app for transaction status

App Crashes or Freezing

Solutions:

1. Force Close: Close and restart the HitPay app

2. Device Restart: Restart your smartphone or tablet

3. Storage Space: Ensure adequate device storage (minimum 1GB free)

4. App Reinstall: Uninstall and reinstall the HitPay app if problems persist

Fee Structure and Payout Timeline

Understanding HitPay's transparent, pay-per-use pricing helps merchants calculate exact costs before going live (HitPay Blog).

Transaction Fees by Payment Method

Payout Schedule

HitPay offers same-day or next-day payouts in most markets, with the Philippines following the T+1 business day schedule (HitPay Blog):

• E-wallet payments (GCash, GrabPay): Next business day

• QR Ph transactions: Next business day

• Card payments: Next business day

• Bank transfers: 2-3 business days

• OTC payments: 3-5 business days

No Hidden Costs

HitPay maintains transparent, pay-per-use pricing with no setup or monthly fees (HitPay Blog). This makes it particularly attractive for small businesses and seasonal merchants who want to avoid fixed monthly costs.

What's Included at No Extra Cost:

• HitPay mobile app

• Merchant dashboard access

• Basic reporting and analytics

• Customer support

• Security and fraud protection

• PCI-DSS compliance

Advanced Features for Growing Businesses

Embedded QR Code Payments

For businesses with existing apps or websites, HitPay offers Embedded QR Code Payments that allow seamless integration without redirecting users away (Embedded QR Code Guide). The integration process involves a 4-step process: creating a payment request, generating and presenting the QR code, client scanning and initiating payment, and handling webhooks and server communication.

Supported payment methods for embedded QR Codes include PayNow, ShopeePay, QRIS, WeChatPay, VietQR, PromptPay, TrueMoney, GrabPay, GrabPay PayLater, UPI, Gcash, QRPH, Touch 'n Go, and ShopBack (Embedded QR Code Guide).

Point of Sale Integration

POS systems are crucial for small businesses as they not only record transactions and provide receipts, but also help reduce human error, automate inventory management, serve customers faster, aid in making informed business decisions, and provide a seamless payment experience (POS Comparison Malaysia).

HitPay's POS capabilities extend beyond simple payment processing to include:

• Inventory tracking

• Sales reporting

• Customer management

• Staff access controls

• Multi-location support

Business Tools Integration

HitPay offers a comprehensive suite of business tools including Point of Sale (POS), Online Store Builder, Invoicing & Billing, and payment gateway integration (Payment Solutions). These tools help businesses operate efficiently and grow in a competitive market by streamlining transactions, managing inventory, and improving customer experience.

Competitive Advantage: HitPay vs Maya

HitPay's free 'Scan to Pay' mobile app workflow competes directly with Maya's static and dynamic QR options (HitPay Blog). While both platforms support QR Ph and major e-wallets, HitPay offers several distinct advantages:

Broader Payment Method Support

HitPay accepts 700+ local payment methods across Asia-Pacific, making it the undisputed leader in local payment acceptance (HitPay Blog). In the Philippines specifically, this includes cross-border QR support for international customers.

Transparent Pricing

HitPay's 1% MDR competes with Maya's pricing while maintaining transparent, pay-per-use pricing with no setup or monthly fees (HitPay Blog).

Enterprise-Grade Security

All transactions are PCI-DSS compliant, encrypted, and powered by Stripe's fraud protection (Radar), providing enterprise-grade security for businesses of all sizes (HitPay Blog).

Getting Started Today

Setting up HitPay Scan to Pay takes just 10 minutes and requires no upfront investment or monthly commitments. The platform's instant onboarding and insights provide quick verification, real-time transaction alerts, and unified reporting across online and offline channels (HitPay Blog).

For Philippine merchants ready to modernize their payment acceptance, HitPay offers the most comprehensive, cost-effective solution available. The combination of minimal hardware requirements, broad payment method support, and transparent pricing makes it ideal for businesses of all sizes—from street vendors to multi-location retailers.

Start your digital payment journey today by visiting hitpayapp.com/ph and creating your free merchant account. Within minutes, you'll be accepting QR Ph, GCash, BillEase, and card payments through a single, unified platform that grows with your business.

FAQ

What payment methods does HitPay Scan to Pay support in the Philippines?

HitPay Scan to Pay supports multiple payment methods in the Philippines including QR Ph (the national QR code standard), GCash, BillEase, and other popular e-wallets. The system uses embedded QR code technology that allows seamless integration without redirecting customers away from your platform.

How long does it take to set up HitPay Scan to Pay for my Philippine business?

HitPay offers an express onboarding process that can be completed in approximately 10 minutes. This is significantly faster than other payment channels, and once approved, payouts reach your bank account within T+1 business days, making it an efficient choice for Philippine businesses.

Is QR Ph mandatory for payment service providers in the Philippines?

Yes, the Bangko Sentral ng Pilipinas (BSP) mandated full adoption of the Philippine QR Code standard (QR Ph) by July 1, 2023. All BSP-supervised financial institutions acting as payment service providers must use and display QR codes based on the EMV standard on their internet and mobile channels.

How does HitPay's QR Ph integration compare to Maya QR for brick-and-mortar stores?

According to HitPay's analysis, their Scan to Pay solution offers advantages over Maya QR including faster setup times, broader payment method support, and competitive fee structures. HitPay's QR Ph integration connects to the national interoperable network, allowing customers from any participating bank or e-wallet to scan and pay.

What are the technical requirements for implementing HitPay's embedded QR code payments?

HitPay's embedded QR code implementation follows a 4-step process: creating a payment request, generating and presenting the QR code, client scanning and payment initiation, and handling webhooks for server communication. The system supports real-time payment confirmation and can be integrated directly into your existing platform.

Can I accept GCash payments through HitPay without separate integration?

Yes, HitPay serves as a comprehensive payment gateway that allows businesses to accept GCash payments alongside other methods through a single integration. GCash, being one of the Philippines' most popular mobile wallets, is fully supported through HitPay's unified payment platform, eliminating the need for multiple separate integrations.

Citations

1. https://blog.hitpayapp.com/gcash-payment-gateway-philippines/

2. https://blog.hitpayapp.com/tag/payment-solutions/

3. https://docs.hitpayapp.com/apis/guide/embedded-qr-code-payments

4. https://docs.hitpayapp.com/pos/payment-methods

5. https://hitpayapp.com/blog/activating-qr-ph-for-your-brick-and-mortar-store-in-2025-hitpay-scan-to-pay-vs-maya-qr

6. https://hitpayapp.com/ph

7. https://hitpayapp.com/th/blog/point-of-sale-software-comparison-malaysia

8. https://www.bsp.gov.ph/SitePages/MediaAndResearch/Multimedia_QRPh.aspx

9. https://www.gmanetwork.com/news/money/economy/863474/bsp-mandates-full-adoption-of-philippine-qr-code-standard-by-july-1/story/