Overview

This article will serve as a guide to merchants on how to use QRPh and its payout information/update.

QR Ph is the national QR code standard for transfers between participating banks and e-wallets in the Philippines. Merchants using QR Ph can receive and send money by sharing or scanning QR codes. Participating banks and e-wallets feature a blue, red, and yellow design in the center of the QR code.

Using QR Ph

Create a transaction through Qashier terminal and proceed to payment.
Select QRPh as the payment method.
Dynamic QR code will appear on the second screen of the terminal.
Let the customer scan the QRPh code with their preferred online banking/e-wallet app.
Wait for the transaction to complete and the receipt to print.

Note: All QR Ph QR Code will appear on the second screen/customer's screen except in QashierXS.

QR Ph Payout

QR Ph payouts will be credited to merchants' accounts daily except on weekends.

Transaction Day/s	Payout Day	Crediting Time
Thursday - Friday	Monday	Before 3 PM
Saturday - Sunday	Tuesday	Before 3 PM
Monday	Wednesday	Before 3 PM
Tuesday	Thursday	Before 3 PM
Wednesday	Friday	Before 3 PM

FAQ

Question	Answer
How does Qashier QR Ph work?	Merchants' POS will display a unique QR code. Customers scan the QR code using their preferred mobile payment app, and confirm the payment. The payment is processed instantly, and the merchant receives a confirmation.
Which payment apps are supported by Qashier QR Ph?	Qashier QR Ph supports major mobile banking apps and e-wallets that are compatible with the national QR Ph standard, ensuring wide customer accessibility. E-Wallets: GCash Maya ShopeePay GrabPay (if QR Ph-enabled) Mobile Banking Apps: BPI UnionBank Metrobank BDO RCBC Security Bank Chinabank Landbank PNB And other BSP-supervised banks with QR Ph integration
Is there a fee for using QR Ph?	Yes. Qashier QR Ph has a MDR (Merchant Discount Rate). Qashier Customer Service to be directed to the appropriate team.
How long does it take for a customer's payment to be successfully processed?	The standard payment processing time is 3 to 5 seconds, but it may vary depending on the internet speed of both the customer and the merchant.
What should I do if a customer’s payment does not go through?	If a customer’s payment fails, ask them to verify their payment details in their mobile banking app or e-wallet then check the QashierHQ transaction record. If the issue persists, please contact Qashier support for assistance.
What should I do if payment is processed but the transaction is not reflected on HQ/POS?	Submit Proof of Payment Send a screenshot of the successful payment showing complete details to Customer Service. Ensure Stable Internet Connection A reliable connection is required during onboarding and device setup. Recommended: Use a secure Wi-Fi or wired connection. Wait for Confirmation from Qashier Qashier will validate the payment and notify the merchant once confirmed.
One of my customers was double-charged by mistake. What are the recommended next steps to resolve this?	Submit Proof of Duplicate Charge Provide screenshots/receipts showing double payment. Manually Refund the Customer Refund the duplicated amount (manually) to the customer via cash, transfer, or their original payment method. Wait for Payout Qashier will verify the refund and include the duplicated payment (minus MDR fee) in the next payout. Check Payout Report Review the next payout summary to confirm the deduction has been processed.
When will merchants receive their payouts?	QR Ph payouts will be credited to merchants' accounts daily except on weekends and holidays.
If a merchant voids a QR Ph transaction, will the payment be automatically refunded to the customer’s e-wallet?	No, QR Ph transactions do not support automatic refunds. If a customer requests a refund after paying via QR Ph: The merchant must refund the amount in cash or through their own e-wallet. The void in Qashier POS is only to cancel the transaction for record-keeping — it does not trigger a refund to the customer. The merchant will still receive the full transaction amount (before MDR fees) in their payout. 📌 Example: Customer pays ₱100 via QR Ph. Merchant voids the transaction and refunds ₱100 in cash. Qashier still pays out ₱100 to the merchant (less MDR fee). Note: The merchant will still be charged MDR even if the transaction is voided.