QR Ph

Overview

QR Ph is the Philippine national QR code standard supervised by the Bangko Sentral ng Pilipinas (BSP). A single QR Ph code lets customers pay from any participating bank or e-wallet app — they scan it using their preferred banking or payment app and the transaction settles via InstaPay.

PayMongo supports two variants of QR Ph:

When to use each variant

Use dynamic QR when you're building an online checkout and you know the exact amount before generating the code. Each code is single-use and expires after 30 minutes by default. See QR Ph API.

Use static QR when you need a reusable code at a physical location. Customers scan the same code repeatedly and enter the amount they owe. See In-Store QR Ph.

How QR Ph attaches to a Payment Intent

Dynamic QR Ph follows the standard Payment Intent workflow:

1. Create a Payment Intent with "qrph" in payment_method_allowed
2. Create a Payment Method with type: "qrph"
3. Attach the Payment Method — the response contains next_action.code.image_url, a Base64-encoded QR code image
4. Display the QR code to the customer
5. The customer scans it and completes payment in their banking app
6. PayMongo sends payment.paid when the payment is confirmed

Payment confirmation

Confirm QR Ph payments via webhook events:

You can also poll the Payment Intent status, but webhooks are the recommended approach for production.