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How does QR PH work?

QR PH makes it easier to accept digital payments from different banks and e-wallets—and the good news is, Cococart supports it!

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Written by Cococart Support Team
Updated over a week ago

QR PH is the national interoperable QR payment standard in the Philippines. It lets customers and businesses complete digital payments using one QR code, regardless of which bank or e-wallet they use — as long as both support QR PH.

It allows interoperable QR payments, which means you can scan one QR code, even if your bank or e-wallet is different from the sender's or receiver's.


📲 How It Works — For Customers

  1. After checkout, a QR PH payment code appears on the screen.

    Open your preferred bank app or e-wallet (e.g., GCash, Maya, BPI, UnionBank, etc.).


  2. Choose the Scan QR option in that app. Examples below:


    GCash:


    UnionBank:


    BPI:

  3. Point your phone’s camera at the QR code shown.

  4. Enter the amount and confirm the payment.

📌 Tip: Always double-check the name that appears on your screen before confirming payment.

Why this matters: Because QR PH is a standard, you don’t need a specific app to scan — any participating QR PH-compatible app will work.



💼 How It Works — For Businesses / Merchants

  • What's the transaction fee?

    • 1.4% + ₱15

  • How soon will the amount reflect on my payout account?

    • Payouts are released every 3 working days.

  • Does it have a minimum amount?

    • Yes, a minimum of 500 PHP is required for every payout.

  • Where can I track the payments?

  • Who can pay me using QR PH?

    • Customers using any bank or e-wallet app that supports QR PH can scan and pay your QR code — even if their app is different from yours.

If you still have questions or need help setting up QR PH, we're here for you! 😊

🚩 Important Reminders

  • Some banks/e-wallets may vary in UI, but most major Philippine financial apps support QR PH and will display a QR PH logo when scanning.

  • Only transactions over PHP 15 will appear on your Earnings Page.

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