How to Generate QR Ph for Your Business (2026 Step-by-Step Guide)
March 31, 2026
Quick Answer: To generate a QR Ph code, you need to register with a BSP-regulated payment provider that supports the QR Ph standard — such as HitPay. Once your account is set up, you can generate a static or dynamic QR Ph code that accepts payments from any QR Ph-compatible app, including GCash, Maya, and InstaPay-linked bank apps. The entire setup process typically takes less than 30 minutes.
QR Ph is one of the fastest-growing QR code payment methods in the Philippines, and for good reason. For a broader overview of the Philippine payments landscape, see our Philippines payment gateway guide. Whether you run a sari-sari store, a boutique, a food stall, or an online shop, being able to accept QR Ph payments puts you in front of millions of Filipino consumers who prefer cashless transactions. This guide walks you through exactly how to generate a QR Ph code and start accepting payments — without the technical headaches.
What Is QR Ph?
QR Ph is the national QR code standard for the Philippines, developed and mandated by the Bangko Sentral ng Pilipinas (BSP). It is an interoperable payment system that allows any participating e-wallet or bank app — including GCash, Maya, UnionBank, BDO, and many others — to scan a single QR code and complete a payment. Unlike proprietary QR codes tied to one wallet, QR Ph works across platforms, making it a universal cashless payment solution for businesses of all sizes.
Why QR Ph Matters for Philippine Businesses in 2026
The BSP's push toward a cash-lite economy has accelerated QR Ph adoption significantly. For merchant partners, this means:
Wider customer reach — your QR code works for GCash users, Maya users, and bank app users alike
Faster checkout — no cash handling, no change-giving, no delays
Lower transaction friction — customers scan, confirm, and pay in seconds
Automatic digital records — every QR Ph transaction is logged, making reconciliation easier
If you are not yet accepting QR Ph payments, you are potentially missing a significant portion of your walk-in and online revenue.
How to Generate QR Ph: Step-by-Step
Step 1: Choose a BSP-Regulated QR Ph Payment Provider
The first step in generating your QR Ph code is selecting a payment provider that is regulated by the BSP and supports the QR Ph standard. HitPay is one such provider, regulated by the BSP and endorsed by the DTI, and purpose-built for Southeast Asian businesses including those operating in the Philippines.
When evaluating providers, look for:
BSP regulation or partnership with a BSP-regulated institution
Support for both static and dynamic QR Ph codes
Easy onboarding with minimal documentation
Transparent fee structures with no hidden charges
Step 2: Register and Verify Your Business Account
Once you have selected your provider, sign up for a business account. With HitPay, the registration process is fast and free:
Visit the HitPay website and click Get Started
Enter your business details — name, type, contact information
Submit the required verification documents (valid government ID, proof of business registration if applicable)
Complete business verification — HitPay's onboarding is designed to be completed in minutes
Step 3: Generate Your QR Ph Code
After your account is verified and activated:
Log in to your HitPay dashboard
Navigate to the Payment Links or QR Code section
Select QR Ph as your payment method
Choose between a static QR code (reusable, customer enters amount) or a dynamic QR code (amount pre-set per transaction)
Download or print your QR Ph code
Your QR Ph code is now ready to use.
Step 4: Display and Accept Payments
Place your printed QR Ph code at your point of sale — on your counter, table tent, packaging, or invoices. For online use, embed the QR code image in your website, social media posts, or digital invoices.
When a customer scans your QR Ph code using GCash, Maya, or any QR Ph-compatible banking app:
They enter the payment amount (for static codes) or confirm the pre-set amount (for dynamic codes)
They authenticate the payment within their app
You receive an instant notification and the payment is credited to your account
Static vs. Dynamic QR Ph: Which Should You Generate?
Feature | Static QR Ph Code | Dynamic QR Ph Code |
|---|---|---|
Amount pre-set? | No — customer enters amount | Yes — amount encoded in QR |
Reusable? | Yes, indefinitely | Typically single-use |
Best for | Walk-in retail, tips, open payments | E-commerce, invoiced sales, set-price items |
Generation | One-time setup | Generated per transaction |
Error risk | Customer may enter wrong amount | Amount is fixed, reducing errors |
For most retail merchant partners, a static QR Ph code at the counter is sufficient. For online or invoiced payments, dynamic QR Ph codes offer more precision and reduce payment disputes.
How HitPay Makes QR Ph Generation Simple
HitPay is regulated by the BSP and endorsed by the DTI, and is designed specifically for merchant partners across Southeast Asia, including the Philippines. Beyond QR Ph generation, the platform offers:
Unified dashboard — manage QR Ph, payment links, and online store payments in one place
Instant payment notifications — know the moment a customer pays
Multi-channel support — accept QR Ph in-person and integrate it into your online checkout
No monthly fees — pay only per transaction, keeping overhead low for small and growing businesses
Detailed transaction reports — export sales data for accounting and tax compliance
Whether you are a solo seller or running multiple locations, HitPay gives you the infrastructure to generate and manage QR Ph payments at scale.
Common Mistakes to Avoid When Generating QR Ph Codes
Using a non-regulated provider — always verify your provider's BSP standing to ensure compliance and payment reliability
Printing low-resolution QR codes — a blurry QR code will fail to scan; always download the highest-resolution file available
Skipping transaction testing — before going live, do a test scan with your own device to confirm the QR code works correctly
Neglecting to update dynamic QR codes — dynamic QR codes are typically single-use; generating a fresh one per transaction is essential
Frequently Asked Questions
Q: What is QR Ph and how does it work?
QR Ph is the BSP-mandated interoperable QR code standard for the Philippines. It allows customers to pay using any participating app — GCash, Maya, or a QR Ph-enabled bank app — by scanning a single standardized QR code. The payment is processed instantly and the funds are transferred to the business's registered account.
Q: How do I generate a QR Ph code for my small business?
To generate a QR Ph code, sign up with a BSP-regulated payment provider like HitPay, complete your account verification, and use the dashboard to generate your QR Ph code. The process is designed to be completed in minutes, from sign-up to having a scannable code ready.
Q: Is QR Ph free to use?
Setting up a QR Ph code is free with providers like HitPay. Transaction fees apply per payment received — these are typically a small percentage of the transaction value. HitPay has no monthly subscription fees, making it cost-effective for businesses of all sizes.
Q: Can I accept GCash and Maya payments with one QR Ph code?
Yes. That is the primary advantage of QR Ph as a standard. A single QR Ph code accepts payments from GCash, Maya, and any other QR Ph-compatible app or bank, eliminating the need to maintain separate QR codes for different wallets.
Q: How long does it take to receive QR Ph payments into my account?
With HitPay, QR Ph payments are settled to your account on a T+1 calendar day basis — meaning funds received today are typically available the following calendar day. Payment confirmation notifications appear on your dashboard immediately after a successful transaction.
Q: Do I need a registered business to generate a QR Ph code?
Requirements vary by provider. Some providers accept solo/individual sellers with just a valid government-issued ID, while others may require proof of business registration. HitPay's onboarding team can advise you on the documentation needed based on your business type and size.
Also see: How to Generate QRPH for Your Business — a broader overview of QR Ph, including the bank-direct route and how it compares to using a payment provider.
How to Generate QR Ph for Your Business (2026 Step-by-Step Guide)
March 31, 2026
Quick Answer: To generate a QR Ph code, you need to register with a BSP-regulated payment provider that supports the QR Ph standard — such as HitPay. Once your account is set up, you can generate a static or dynamic QR Ph code that accepts payments from any QR Ph-compatible app, including GCash, Maya, and InstaPay-linked bank apps. The entire setup process typically takes less than 30 minutes.
QR Ph is one of the fastest-growing QR code payment methods in the Philippines, and for good reason. For a broader overview of the Philippine payments landscape, see our Philippines payment gateway guide. Whether you run a sari-sari store, a boutique, a food stall, or an online shop, being able to accept QR Ph payments puts you in front of millions of Filipino consumers who prefer cashless transactions. This guide walks you through exactly how to generate a QR Ph code and start accepting payments — without the technical headaches.
What Is QR Ph?
QR Ph is the national QR code standard for the Philippines, developed and mandated by the Bangko Sentral ng Pilipinas (BSP). It is an interoperable payment system that allows any participating e-wallet or bank app — including GCash, Maya, UnionBank, BDO, and many others — to scan a single QR code and complete a payment. Unlike proprietary QR codes tied to one wallet, QR Ph works across platforms, making it a universal cashless payment solution for businesses of all sizes.
Why QR Ph Matters for Philippine Businesses in 2026
The BSP's push toward a cash-lite economy has accelerated QR Ph adoption significantly. For merchant partners, this means:
Wider customer reach — your QR code works for GCash users, Maya users, and bank app users alike
Faster checkout — no cash handling, no change-giving, no delays
Lower transaction friction — customers scan, confirm, and pay in seconds
Automatic digital records — every QR Ph transaction is logged, making reconciliation easier
If you are not yet accepting QR Ph payments, you are potentially missing a significant portion of your walk-in and online revenue.
How to Generate QR Ph: Step-by-Step
Step 1: Choose a BSP-Regulated QR Ph Payment Provider
The first step in generating your QR Ph code is selecting a payment provider that is regulated by the BSP and supports the QR Ph standard. HitPay is one such provider, regulated by the BSP and endorsed by the DTI, and purpose-built for Southeast Asian businesses including those operating in the Philippines.
When evaluating providers, look for:
BSP regulation or partnership with a BSP-regulated institution
Support for both static and dynamic QR Ph codes
Easy onboarding with minimal documentation
Transparent fee structures with no hidden charges
Step 2: Register and Verify Your Business Account
Once you have selected your provider, sign up for a business account. With HitPay, the registration process is fast and free:
Visit the HitPay website and click Get Started
Enter your business details — name, type, contact information
Submit the required verification documents (valid government ID, proof of business registration if applicable)
Complete business verification — HitPay's onboarding is designed to be completed in minutes
Step 3: Generate Your QR Ph Code
After your account is verified and activated:
Log in to your HitPay dashboard
Navigate to the Payment Links or QR Code section
Select QR Ph as your payment method
Choose between a static QR code (reusable, customer enters amount) or a dynamic QR code (amount pre-set per transaction)
Download or print your QR Ph code
Your QR Ph code is now ready to use.
Step 4: Display and Accept Payments
Place your printed QR Ph code at your point of sale — on your counter, table tent, packaging, or invoices. For online use, embed the QR code image in your website, social media posts, or digital invoices.
When a customer scans your QR Ph code using GCash, Maya, or any QR Ph-compatible banking app:
They enter the payment amount (for static codes) or confirm the pre-set amount (for dynamic codes)
They authenticate the payment within their app
You receive an instant notification and the payment is credited to your account
Static vs. Dynamic QR Ph: Which Should You Generate?
Feature | Static QR Ph Code | Dynamic QR Ph Code |
|---|---|---|
Amount pre-set? | No — customer enters amount | Yes — amount encoded in QR |
Reusable? | Yes, indefinitely | Typically single-use |
Best for | Walk-in retail, tips, open payments | E-commerce, invoiced sales, set-price items |
Generation | One-time setup | Generated per transaction |
Error risk | Customer may enter wrong amount | Amount is fixed, reducing errors |
For most retail merchant partners, a static QR Ph code at the counter is sufficient. For online or invoiced payments, dynamic QR Ph codes offer more precision and reduce payment disputes.
How HitPay Makes QR Ph Generation Simple
HitPay is regulated by the BSP and endorsed by the DTI, and is designed specifically for merchant partners across Southeast Asia, including the Philippines. Beyond QR Ph generation, the platform offers:
Unified dashboard — manage QR Ph, payment links, and online store payments in one place
Instant payment notifications — know the moment a customer pays
Multi-channel support — accept QR Ph in-person and integrate it into your online checkout
No monthly fees — pay only per transaction, keeping overhead low for small and growing businesses
Detailed transaction reports — export sales data for accounting and tax compliance
Whether you are a solo seller or running multiple locations, HitPay gives you the infrastructure to generate and manage QR Ph payments at scale.
Common Mistakes to Avoid When Generating QR Ph Codes
Using a non-regulated provider — always verify your provider's BSP standing to ensure compliance and payment reliability
Printing low-resolution QR codes — a blurry QR code will fail to scan; always download the highest-resolution file available
Skipping transaction testing — before going live, do a test scan with your own device to confirm the QR code works correctly
Neglecting to update dynamic QR codes — dynamic QR codes are typically single-use; generating a fresh one per transaction is essential
Frequently Asked Questions
Q: What is QR Ph and how does it work?
QR Ph is the BSP-mandated interoperable QR code standard for the Philippines. It allows customers to pay using any participating app — GCash, Maya, or a QR Ph-enabled bank app — by scanning a single standardized QR code. The payment is processed instantly and the funds are transferred to the business's registered account.
Q: How do I generate a QR Ph code for my small business?
To generate a QR Ph code, sign up with a BSP-regulated payment provider like HitPay, complete your account verification, and use the dashboard to generate your QR Ph code. The process is designed to be completed in minutes, from sign-up to having a scannable code ready.
Q: Is QR Ph free to use?
Setting up a QR Ph code is free with providers like HitPay. Transaction fees apply per payment received — these are typically a small percentage of the transaction value. HitPay has no monthly subscription fees, making it cost-effective for businesses of all sizes.
Q: Can I accept GCash and Maya payments with one QR Ph code?
Yes. That is the primary advantage of QR Ph as a standard. A single QR Ph code accepts payments from GCash, Maya, and any other QR Ph-compatible app or bank, eliminating the need to maintain separate QR codes for different wallets.
Q: How long does it take to receive QR Ph payments into my account?
With HitPay, QR Ph payments are settled to your account on a T+1 calendar day basis — meaning funds received today are typically available the following calendar day. Payment confirmation notifications appear on your dashboard immediately after a successful transaction.
Q: Do I need a registered business to generate a QR Ph code?
Requirements vary by provider. Some providers accept solo/individual sellers with just a valid government-issued ID, while others may require proof of business registration. HitPay's onboarding team can advise you on the documentation needed based on your business type and size.
Also see: How to Generate QRPH for Your Business — a broader overview of QR Ph, including the bank-direct route and how it compares to using a payment provider.
How to Generate QR Ph for Your Business (2026 Step-by-Step Guide)
March 31, 2026
Quick Answer: To generate a QR Ph code, you need to register with a BSP-regulated payment provider that supports the QR Ph standard — such as HitPay. Once your account is set up, you can generate a static or dynamic QR Ph code that accepts payments from any QR Ph-compatible app, including GCash, Maya, and InstaPay-linked bank apps. The entire setup process typically takes less than 30 minutes.
QR Ph is one of the fastest-growing QR code payment methods in the Philippines, and for good reason. For a broader overview of the Philippine payments landscape, see our Philippines payment gateway guide. Whether you run a sari-sari store, a boutique, a food stall, or an online shop, being able to accept QR Ph payments puts you in front of millions of Filipino consumers who prefer cashless transactions. This guide walks you through exactly how to generate a QR Ph code and start accepting payments — without the technical headaches.
What Is QR Ph?
QR Ph is the national QR code standard for the Philippines, developed and mandated by the Bangko Sentral ng Pilipinas (BSP). It is an interoperable payment system that allows any participating e-wallet or bank app — including GCash, Maya, UnionBank, BDO, and many others — to scan a single QR code and complete a payment. Unlike proprietary QR codes tied to one wallet, QR Ph works across platforms, making it a universal cashless payment solution for businesses of all sizes.
Why QR Ph Matters for Philippine Businesses in 2026
The BSP's push toward a cash-lite economy has accelerated QR Ph adoption significantly. For merchant partners, this means:
Wider customer reach — your QR code works for GCash users, Maya users, and bank app users alike
Faster checkout — no cash handling, no change-giving, no delays
Lower transaction friction — customers scan, confirm, and pay in seconds
Automatic digital records — every QR Ph transaction is logged, making reconciliation easier
If you are not yet accepting QR Ph payments, you are potentially missing a significant portion of your walk-in and online revenue.
How to Generate QR Ph: Step-by-Step
Step 1: Choose a BSP-Regulated QR Ph Payment Provider
The first step in generating your QR Ph code is selecting a payment provider that is regulated by the BSP and supports the QR Ph standard. HitPay is one such provider, regulated by the BSP and endorsed by the DTI, and purpose-built for Southeast Asian businesses including those operating in the Philippines.
When evaluating providers, look for:
BSP regulation or partnership with a BSP-regulated institution
Support for both static and dynamic QR Ph codes
Easy onboarding with minimal documentation
Transparent fee structures with no hidden charges
Step 2: Register and Verify Your Business Account
Once you have selected your provider, sign up for a business account. With HitPay, the registration process is fast and free:
Visit the HitPay website and click Get Started
Enter your business details — name, type, contact information
Submit the required verification documents (valid government ID, proof of business registration if applicable)
Complete business verification — HitPay's onboarding is designed to be completed in minutes
Step 3: Generate Your QR Ph Code
After your account is verified and activated:
Log in to your HitPay dashboard
Navigate to the Payment Links or QR Code section
Select QR Ph as your payment method
Choose between a static QR code (reusable, customer enters amount) or a dynamic QR code (amount pre-set per transaction)
Download or print your QR Ph code
Your QR Ph code is now ready to use.
Step 4: Display and Accept Payments
Place your printed QR Ph code at your point of sale — on your counter, table tent, packaging, or invoices. For online use, embed the QR code image in your website, social media posts, or digital invoices.
When a customer scans your QR Ph code using GCash, Maya, or any QR Ph-compatible banking app:
They enter the payment amount (for static codes) or confirm the pre-set amount (for dynamic codes)
They authenticate the payment within their app
You receive an instant notification and the payment is credited to your account
Static vs. Dynamic QR Ph: Which Should You Generate?
Feature | Static QR Ph Code | Dynamic QR Ph Code |
|---|---|---|
Amount pre-set? | No — customer enters amount | Yes — amount encoded in QR |
Reusable? | Yes, indefinitely | Typically single-use |
Best for | Walk-in retail, tips, open payments | E-commerce, invoiced sales, set-price items |
Generation | One-time setup | Generated per transaction |
Error risk | Customer may enter wrong amount | Amount is fixed, reducing errors |
For most retail merchant partners, a static QR Ph code at the counter is sufficient. For online or invoiced payments, dynamic QR Ph codes offer more precision and reduce payment disputes.
How HitPay Makes QR Ph Generation Simple
HitPay is regulated by the BSP and endorsed by the DTI, and is designed specifically for merchant partners across Southeast Asia, including the Philippines. Beyond QR Ph generation, the platform offers:
Unified dashboard — manage QR Ph, payment links, and online store payments in one place
Instant payment notifications — know the moment a customer pays
Multi-channel support — accept QR Ph in-person and integrate it into your online checkout
No monthly fees — pay only per transaction, keeping overhead low for small and growing businesses
Detailed transaction reports — export sales data for accounting and tax compliance
Whether you are a solo seller or running multiple locations, HitPay gives you the infrastructure to generate and manage QR Ph payments at scale.
Common Mistakes to Avoid When Generating QR Ph Codes
Using a non-regulated provider — always verify your provider's BSP standing to ensure compliance and payment reliability
Printing low-resolution QR codes — a blurry QR code will fail to scan; always download the highest-resolution file available
Skipping transaction testing — before going live, do a test scan with your own device to confirm the QR code works correctly
Neglecting to update dynamic QR codes — dynamic QR codes are typically single-use; generating a fresh one per transaction is essential
Frequently Asked Questions
Q: What is QR Ph and how does it work?
QR Ph is the BSP-mandated interoperable QR code standard for the Philippines. It allows customers to pay using any participating app — GCash, Maya, or a QR Ph-enabled bank app — by scanning a single standardized QR code. The payment is processed instantly and the funds are transferred to the business's registered account.
Q: How do I generate a QR Ph code for my small business?
To generate a QR Ph code, sign up with a BSP-regulated payment provider like HitPay, complete your account verification, and use the dashboard to generate your QR Ph code. The process is designed to be completed in minutes, from sign-up to having a scannable code ready.
Q: Is QR Ph free to use?
Setting up a QR Ph code is free with providers like HitPay. Transaction fees apply per payment received — these are typically a small percentage of the transaction value. HitPay has no monthly subscription fees, making it cost-effective for businesses of all sizes.
Q: Can I accept GCash and Maya payments with one QR Ph code?
Yes. That is the primary advantage of QR Ph as a standard. A single QR Ph code accepts payments from GCash, Maya, and any other QR Ph-compatible app or bank, eliminating the need to maintain separate QR codes for different wallets.
Q: How long does it take to receive QR Ph payments into my account?
With HitPay, QR Ph payments are settled to your account on a T+1 calendar day basis — meaning funds received today are typically available the following calendar day. Payment confirmation notifications appear on your dashboard immediately after a successful transaction.
Q: Do I need a registered business to generate a QR Ph code?
Requirements vary by provider. Some providers accept solo/individual sellers with just a valid government-issued ID, while others may require proof of business registration. HitPay's onboarding team can advise you on the documentation needed based on your business type and size.
Also see: How to Generate QRPH for Your Business — a broader overview of QR Ph, including the bank-direct route and how it compares to using a payment provider.