QR Ph payments
Does your e-wallet pay with QR Ph?
HiGantic accepts QR Ph — the BSP-mandated national QR payment standard. Check your bank or e-wallet below to see whether you can pay a QR Ph merchant with it.
P2M participants · snapshot 24 July 2026
51
QR Ph (P2M) institutions
46
Can pay a QR Ph merchant
24 July 2026
Participant list snapshot
Is it safe?
QR Ph is a BSP-regulated national payments standard.
It is not an app you need to trust on its own. It is a standardized QR format built on the same central-bank rails that already move money in the Philippines.
Central-bank regulated
Every participant is supervised by the Bangko Sentral ng Pilipinas. Non-compliance with the QR mandate is sanctionable.
A global technical standard
QR Ph follows the EMV® QR specification — the same framework family as EMV chip cards and national schemes worldwide.
No account data in the code
The QR carries routing and payment instructions, not your account number or card details.
You approve in your own app
Your wallet shows the merchant name and exact amount, and money moves only after your PIN or biometric approval.
Dynamic and time-limited
Merchant QR Ph codes carry the exact amount and typically expire quickly (e.g. about 30 minutes).
Fee-free for customers
Paying a merchant with QR Ph carries no customer-side fee under the BSP rulebook.
Reference links
Where these facts come from.
QR Ph status is set by the Bangko Sentral ng Pilipinas and the Philippine Payments Management Inc. The participant lists are snapshots as of 24 July 2026; always verify against the official sources below before relying on them.
- 01BSP Circular 1055 — National QR Code StandardThe on-the-ground regulation adopting a unified national QR standard for the Philippines.
- 02BSP QR Ph FAQ — merchant payments (P2M)Official answers on how QR Ph merchant payments work, fees, and who can participate.
- 03QR Ph (P2M) participants listThe full list of institutions participating in QR Ph merchant payments, latest snapshot.
- 04EMVCo — QR Code specificationsThe global standard body whose QR code framework QR Ph is built on.
- 05PayMongo — QR Ph APIHow HiGantic generates QR Ph codes at checkout through its payments partner.
Browse participants
Every wallet and bank on QR Ph, in one list.
51 institutions are listed on the P2M participant snapshot. Pick any one to check it in the checker above.