How to Pay?

Purchase via QR Ph

Scan the store’s QR Ph code, input the source
account and amount, and you’re done!

InstaPay Your Store Payments

InstaPay QR Ph doubles the ease and speed for paying for your purchases. When you are doing your grocery, buying in-store or online, or paying for your restaurant bill, just scan the QR Ph code of the store you want to pay or let the store scan your QR Ph code and follow the steps for payment. In seconds, you’re done.

Benefits for you, the customer

  • Faster and easier way to pay, since the process is just scanning a QR Ph code.

  • No need to carry cash. You avoid the risk of loss due to theft and even contamination due to dirty bills and coins.

Benefits for you, the business owner

  • Enables faster payment which translates to efficient customer service

  • Eliminates the hassle of counting cash

  • Eliminates the possibility of contamination from handling dirty bills and coins

  • Prevents theft

How to InstaPay your purchases through QR Ph?

Just open the QR Ph code scan app of your smartphone.

Scan the QR Ph code of the store you want to pay.

Confirm to process the payment.
So fast, so easy.

InstaPay Partners

INSTAPAY ALLOWS YOU TO PAY MERCHANTS THROUGH THE FOLLOWING BANKS AND E-WALLETS.

AllBank PayMaya**
AUB RCBC
BDO** Starpay
Cebuana Lhuillier Rural Bank Tayocash
China Bank*

Union Bank

Landbank* USSC Money Services
Metrobank**

*Only for sending payments
**Only for receiving payments through its enabled stores/merchants or sellers.

InstaPay Partners

INSTAPAY ALLOWS YOU PAY MERCHANTS THROUGH THE FOLLOWING BANKS AND E-WALLETS.

AllBank

AUB

BDO**

Cebuana Lhuillier Rural Bank

China Bank*

Landbank*

Metrobank**

PayMaya**

RCBC

Starpay

Tayocash

Union Bank

USSC Money Services

 

*Only for sending payments
**Only for receiving payments through its enabled stores/merchants or sellers.

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.