Qitero Qitero

QR Ph

Country: Philippines (PH)  |  Payment Rail: real_time_payment

RealTimePayment Market Adoption: 60%

QR Ph is the Philippine national QR code payment standard mandated by the central bank, enabling instant inter-bank and wallet payments.

🔄 User Payment Flow

  1. Customer selects QR Ph at checkout
  2. Checkout displays a standardized QR Ph image
  3. Customer opens any participating mobile banking app or e-wallet (e.g. GCash, Maya, BDO, BPI)
  4. Customer scans QR Ph and authorizes payment via OTP or PIN
  5. BancNet clears interbank transfer in real-time and merchant receives notification

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls payment gateway API requesting QR Ph payload
  • PSP issues dynamic QR Ph barcode
  • PSP receives BancNet webhook notification upon clearing confirmation