QR Ph
国家/地区: 菲律宾 (PH) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 60%
QR Ph 是菲律宾中央银行（BSP）推出的国家级统一二维码支付标准，在菲律宾跨行实时转账与商家扫码支付领域处于官方核心地位，以兼容全台银行与钱包、即时结算和零拒付风险为特征，广泛用于线上电商支付、线下商户扫码及个人间转账。
🔄 用户付款交互流 (User Flow)
- Customer selects QR Ph at checkout
- Checkout displays a standardized QR Ph image
- Customer opens any participating mobile banking app or e-wallet (e.g. GCash, Maya, BDO, BPI)
- Customer scans QR Ph and authorizes payment via OTP or PIN
- BancNet clears interbank transfer in real-time and merchant receives notification
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant calls payment gateway API requesting QR Ph payload
- PSP issues dynamic QR Ph barcode
- PSP receives BancNet webhook notification upon clearing confirmation