How to

to a QR code

Just scan your recipient’s QR Ph code, input source account and amount, then confirm.

Just scan and you’re done

EASY

No need to key in the bank account number of recipient.

ACCURATE

Less error because you don’t have to key in long account numbers.

SECURE

No need to give your
bank account number.

Scan to send money

IF YOU ARE RECEIVING MONEY

1

Use your bank or e-wallet mobile app to generate a QR Ph code

2

Share your QR Ph code with the sender

IF YOU ARE SENDING MONEY

1

Scan your recipient’s QR Ph code

2

Input the amount, then confirm

InstaPay Partners for sending money via a QR Code

INSTAPAY ALLOWS YOU TO SEND FUNDS VIA A QR PH CODE THROUGH THE FOLLOWING BANKS AND E-WALLETS.

AllBank

ING Bank

RCBC

AUB

Landbank

Robinsons Bank

BDO

Maybank Philippines

Rural Bank of Guinobatan

BPI

Metrobank

Starpay

Card Bank

PayMaya*

Sterling Bank of Asia

China Bank

PNB

Tayocash

DCPay (Coins.ph)

PSBank

Union Bank

EastWest Rural Bank

Queen City Development Bank

USSC Money Services

*Only for receiving money

InstaPay Partners for sending money via a QR Code

INSTAPAY ALLOWS YOU TO SEND FUNDS VIA A QR PH CODE THROUGH THE FOLLOWING BANKS AND E-WALLETS.

AllBank

AUB

BDO

BPI

Card Bank

China Bank

DCPay (Coins.ph)

EastWest Rural Bank

ING Bank

Landbank

Maybank Philippines

Metrobank

PayMaya*

PNB

PSBank

Queen City Development Bank

RCBC

Robinsons Bank

Rural Bank of Guinobatan

Starpay

Sterling Bank of Asia

Tayocash

Union Bank

USSC Money Services

*Only for receiving money

Frequenty Asked Questions

What is a QR Code?

A QR code (short for “Quick Response code”) is a 2-dimensional image-based bar code capable of holding large amounts of data. QR codes store data using patterns of black dots and white spaces, arranged in a square grid. It can be read by a smartphone QR scanner or mobile device that is equipped with a bar-code reader.  

When personal and financial data are stored in it, a QR code can be used to send and receive money such as payment transactions. A recipient of the funds shows his /her QR code to the payer or sender who will scan the code to initiate the transaction. 

What is QR Ph?

QR Ph is the Philippines’ QR code standard based on the Europay-Mastercard-VISA (EMV) standard, a global standard for secure payments. It gives customers of participating banks and non-bank electronic money issuers (EMI) a quick and safe method to pay, transfer to and receive funds from other bank and e-money accounts in the Philippines. QR Ph is approved by the Philippine Payments Management, Inc. and the Bangko Sentral ng Pilipinas.

Why do we need QR Ph?

QR Ph was developed to standardize the use of QR codes in the Philippines. It allows a common QR code to be scanned and interpreted by any participating bank or e-wallet mobile app and used for fund transfers and payments. QR Ph interconnects the QR codes of participating banks and non-bank e-money issuers much like how the ATMs of different banks are interconnected. Through QR Ph, a depositor of Bank A can use his bank’s mobile app to scan the QR Ph code of a person or merchant whose account is with Bank B or e-wallet Z to transfer money and vice versa.