What Is QRPH Payment?

QRPH (QR Ph) is the national QR code standard for the Philippines, developed and mandated by the Bangko Sentral ng Pilipinas. It creates a unified QR code format that works across all BSP-accredited financial institutions, including BPI, BDO, UnionBank, GCash, Maya, and dozens more, so customers can scan one code regardless of which bank or e-wallet they use.

Before QR Ph, businesses had to display a separate QR code for every payment provider. The BSP standard eliminated that fragmentation. A single QRPH payment code is all a merchant partner needs to accept funds from virtually any Filipino bank account or mobile wallet.

How QRPH Payment Works: Step by Step

1. The merchant partner generates a QR Ph code — either a static code (fixed merchant ID, customer inputs amount) or a dynamic code (amount pre-encoded, generated per transaction).

2. The customer opens their banking or e-wallet app — GCash, Maya, BPI Online, BDO Digital Banking, UnionBank, and other InstaPay-connected apps are all compatible.

3. The customer scans the QRPH code — the app reads the standardized data embedded in the code and routes it to the correct merchant account.

4. The customer confirms the payment amount — for static codes they enter the amount; for dynamic codes the amount is pre-filled.

5. Funds are transferred via InstaPay — settlement typically completes in real time or near real time, 24/7 including weekends and holidays.

6. The merchant partner receives a payment notification — confirmation appears on the merchant partner's dashboard or POS system.

Because the QR Ph standard runs on the InstaPay rail, transfers carry the reliability and regulatory oversight of the BSP's National Retail Payment System (NRPS).

Why QRPH Payment Matters for Philippine Businesses

The Philippines has one of the fastest-growing digital payment ecosystems in Southeast Asia. The country exceeded BSP's Digital Payments Transformation Roadmap target of 50% digital retail payment volume by end-2023, reaching 52.8%, and has continued climbing to over 57% as of 2024. The next BSP milestone targets 60 to 70% digital payment volume by 2028. QR Ph is a cornerstone of that growth.

For merchant partners, the practical benefits are significant:

• No hardware dependency — a printed QR code or a screen is all you need

• Zero customer friction — buyers already use GCash and Maya daily

• Broad bank interoperability — participation is BSP-mandated for accredited institutions

• Real-time settlement — InstaPay-backed QR Ph transactions post quickly

• Lower barrier than card acceptance — no card terminal to lease, no PCI-DSS hardware to maintain

How HitPay Supports QRPH Payment

HitPay integrates QRPH payment natively into its payment platform for Philippine merchant partners. QR Ph sits alongside other payment methods — credit and debit cards, GCash, Maya, and more — within a single checkout experience.

• For online stores: Merchant partners using HitPay's hosted checkout or API integration can present QRPH as a payment option at checkout.

• For in-person and self-checkout: HitPay's POS solution allows merchant partners to display a dynamic QRPH payment code per transaction directly on a tablet or phone screen, or print a static QR code for counter display.

• Unified dashboard: All QRPH transactions appear in the same HitPay dashboard as card payments and other methods.

• No per-bank integrations required: HitPay handles the BSP-compliant QR Ph infrastructure.

QRPH Payment vs. Other QR Codes in the Philippines

Transaction fees and settlement timelines are subject to change by BSP, participating banks, and payment processors.

Setting Up QRPH Payment with HitPay

1. Create or log in to your HitPay account and complete business verification.

2. Navigate to Payment Methods in your dashboard and enable QRPH / QR Ph.

3. Configure your checkout — for online stores, QRPH will appear as a customer-facing option automatically once enabled.

4. For physical locations, download or print your static QR code from the dashboard, or use the HitPay POS app to generate dynamic codes per sale.

5. Test a transaction using your own GCash or bank app to confirm the flow before going live.

Frequently Asked Questions

Q: What is QRPH payment and who can use it?

QRPH payment is the BSP-mandated QR code standard for the Philippines that allows any customer with a participating bank or e-wallet to pay a merchant by scanning one code. Any registered business or individual seller with a BSP-accredited payment partner — such as HitPay — can accept QRPH payments.

Q: Which apps are compatible with QRPH payment?

All BSP-accredited banks and e-wallets connected to the InstaPay network support QR Ph. This includes GCash, Maya, BPI, BDO, UnionBank, Security Bank, Metrobank, and many others.

Q: Is QRPH payment the same as GCash QR?

No. GCash QR is a proprietary code that only works within the GCash app. QRPH is the interoperable national standard — a QRPH code can be scanned by GCash, Maya, BPI, BDO, and any other QR Ph-compatible app.

Q: How fast does a QRPH payment settle?

QRPH transactions run on the InstaPay rail, which operates 24/7. Transfers are generally processed in real time or within a few minutes. Settlement to your HitPay account follows HitPay's standard payout schedule.

Q: Does HitPay charge extra to accept QRPH payments?

HitPay's published rate for QRPh is 1% per transaction, or ₱20, whichever is higher. There is no separate setup or monthly fee. Rates are subject to change — always confirm current pricing on the HitPay Philippines pricing page.

Q: Can I use QRPH payment for online transactions, or only in-store?

Both. HitPay supports QRPH payment for online checkouts and for in-person sales via the HitPay POS app or a printed static QR code.

Start accepting QRPH payments with HitPay today →