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.

QR Ph on HitPay is 1% or ₱20, whichever is higher, with no setup fee and no monthly fee.

Accept QR Ph online and in-store →

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:

1. Visit the HitPay website and click Get Started

2. Enter your business details — name, type, contact information

3. Submit the required verification documents (valid government ID, proof of business registration if applicable)

4. 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:

1. Log in to your HitPay dashboard

2. Navigate to the Payment Links or QR Code section

3. Select QR Ph as your payment method

4. Choose between a static QR code (reusable, customer enters amount) or a dynamic QR code (amount pre-set per transaction)

5. 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:

1. They enter the payment amount (for static codes) or confirm the pre-set amount (for dynamic codes)

2. They authenticate the payment within their app

3. You receive an instant notification and the payment is credited to your account

Static vs. Dynamic QR Ph: Which Should You Generate?

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

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.

Ready to generate your QR Ph code and start accepting cashless payments? Sign up with HitPay and get your QR Ph code set up today →