How to accept QR Ph payments in your small business (GCash, Maya and every bank app)
QR Ph is the Philippines' national QR code standard: one code your customers can scan from GCash, Maya or almost any bank app. Here's how it works, the difference between a printed QR and one your POS generates, and how to set it up without mixing business money with your personal wallet.
Wemu Team
Product
To accept QR Ph payments, you need a business account with a provider that issues QR Ph codes (a bank, an e-wallet's business program or a payment platform), then either print a static QR for the counter or use a POS that shows a dynamic QR for the exact amount of each sale. Customers scan it with GCash, Maya or their bank app, and the money lands in your account.
That's the short version. Below is what QR Ph actually is, why a dynamic QR saves you from screenshot disputes, and what to check before you pick a provider.
What is QR Ph?
QR Ph is the national QR code standard set by the Bangko Sentral ng Pilipinas (BSP). Before it, every wallet and bank had its own code, so a store needed a GCash QR, a Maya QR and a few bank QRs taped to the counter. A QR Ph code works across participating banks and e-wallets, so one code accepts payments from all of them.
- For customers: they open whatever app they already use (GCash, Maya, BPI, BDO, UnionBank and others) and scan.
- For you: one code, one account, one place to reconcile instead of checking three apps at closing time.
Static QR vs dynamic QR
| Static QR (printed) | Dynamic QR (from your POS) | |
|---|---|---|
| Amount | Customer types it in | Already filled in for that sale |
| Typos and short payments | Common at busy times | Can't happen, the amount is fixed |
| Proof of payment | Customer shows a screenshot | Your POS sees the payment and marks the sale paid |
| Reconciling at closing | Match screenshots to sales by hand | Every QR payment is already on the right order |
| Best for | Very small stalls, donations | Any shop with a queue or more than one cashier |
The screenshot problem
A static QR plus "show me the screenshot" is how most payment disputes start: an old screenshot, an edited amount, or a payment that went to the wrong account. A dynamic QR tied to the sale removes the guesswork, because the POS only marks the order paid when the money actually arrives.
How to set it up, step by step
- 1Register the business. Most business payment accounts ask for DTI (sole proprietor) or SEC (corporation) registration, a valid ID and a bank account in the business name.
- 2Choose where the money goes. A business account, not your personal GCash. Personal wallets have limits, mix your money with the shop's, and make your books harder to defend.
- 3Choose a provider that issues QR Ph. Banks, e-wallet business programs and payment platforms all do. Compare the fee per transaction, how fast you get paid out, and whether it connects to your POS.
- 4Decide static or dynamic. Print the static code for a backup, but use dynamic QR at the till if your POS supports it.
- 5Test with a ₱1 sale from two different apps (say GCash and a bank app) before you open.
- 6Train the counter: the sale is done when the POS says paid, not when the customer shows a phone.
What to compare between providers
- Fee per QR payment and whether it differs for cards, e-wallets and bank apps.
- Payout timing: same day, next day, or weekly, and any minimum payout.
- Online payments too: can the same account take payments for online orders, invoices and booking deposits, or do you need a second provider?
- Refunds: can you refund from the dashboard, and how long does the customer wait?
- Reports your bookkeeper can use: a clean export of payments per day that matches your sales.
Where Wemu fits
Wemu connects to HitPay for Philippine businesses. Once connected, the POS shows a dynamic QR Ph code for each sale, and the sale is marked paid automatically when the customer pays from GCash, Maya or any bank app. The same connection takes payments by QR Ph, GCash, ShopeePay or card at your online shop, from invoices and for booking deposits. The money goes straight to your own HitPay account; Wemu never holds it.
HitPay needs a registered business (DTI or SEC) and verifies it in about 3 to 7 business days. Until then you can keep your existing QR at the counter and record those payments in Wemu so they still show up in your reports.
Keep reading
- GCash for small business: the setup guide
- The best POS systems in the Philippines, compared
- How to balance a cash register at the end of the day
Frequently asked questions
Can customers pay a QR Ph code with GCash?+
Is QR Ph free for merchants?+
What's the difference between a GCash QR and a QR Ph code?+
Do I need a business registration to accept QR Ph?+
How do I stop fake payment screenshots?+
One app for sales, QR Ph and online orders
Take QR Ph, GCash, ShopeePay and card payments at the till, in your online shop and on invoices, with the money going straight to your own HitPay account.
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