QR Ph is the Philippines’ National QR Code Standard, introduced by the Bangko Sentral ng Pilipinas (BSP) under the National Retail Payment System. Based on the globally recognized EMV® QR standard, QR Ph enables secure, fast and interoperable digital payments across participating banks and e-wallets using a single, standardized QR code.
With moolahPAY’s QR Ph Scan & Pay, you can conveniently pay participating merchants across the Philippines by simply scanning a QR Ph code, without the need for a local Philippine bank account. Simply top up your moolahPAY eWallet in Singapore Dollars (SGD) and pay participating merchants in Philippine Pesos (PHP). moolahPAY automatically converts your funds using the applicable exchange rate.
moolahPAY is the first Singapore non-bank wallet to enable users to scan and pay QR Ph codes at participating merchants across the Philippines, including supported online merchants and e-commerce platforms that accept QR Ph payments — providing a seamless cashless payment experience while you are travelling or shopping in the Philippines.
Before QR Ph was introduced, merchants often needed to display multiple QR codes from different banks and e-wallets, making digital payments more complicated for both businesses and consumers.
QR Ph established a single national QR code standard that enables interoperable payments across participating financial institutions. Merchants only need to display one QR code, while customers can pay using their preferred supported payment app, making QR payments simpler, faster and more convenient.
With moolahPAY’s QR Ph Scan & Pay, you can enjoy a fast, secure and convenient way to pay participating merchants across the Philippines, whether you’re shopping, dining, travelling, or making everyday purchases.
Benefits include:
You can use QR Ph Scan and Pay at any merchant that displays a QR Ph-compatible QR code. QR Ph is accepted by a growing number of merchants throughout the Philippines, including participating:
Merchant acceptance continues to expand across the Philippines as more businesses adopt QR Ph.
Yes. QR Ph has been widely adopted by many independent retailers, neighborhood shops, cafés, food stalls, market vendors and small businesses throughout the Philippines. Simply look for the QR Ph logo or a QR Ph code displayed at the point of sale.
Yes. Many online merchants and e-commerce platforms in the Philippines support QR Ph as a payment option during checkout.
Popular online shopping platforms where QR Ph payments are available through participating payment providers include:
Availability of QR Ph may vary depending on the seller, payment gateway, and checkout options offered by each platform.
QR Ph is an interoperable payment system, meaning participating banks and e-wallets use the same national QR code standard.
Merchants no longer need to display multiple QR codes from different payment providers. Instead, customers can simply scan one QR Ph code using a supported payment app such as moolahPAY to complete their payment.
No. As long as the merchant accepts QR Ph, you can simply scan the QR code using moolahPAY and complete your payment.
There is no need to know which participating bank or payment provider the merchant uses.
Some merchants use a static QR code, where you’ll enter the purchase amount after scanning.
Others use a dynamic QR code, where the payment amount is automatically populated for you.
Both static and dynamic QR codes are supported under the QR Ph standard.
No. With moolahPAY, you can pay participating QR Ph merchants directly without opening a local Philippine bank account.
Using QR Ph with moolahPAY is simple.
Download the moolahPAY app from the App Store or Google Play and complete your account setup. Then top up your moolahPAY eWallet in Singapore Dollars (SGD) – watch video. When you scan a QR Ph code at a participating merchant in the Philippines, the payment is made in Philippine Pesos (PHP).
moolahPAY automatically converts your SGD balance into PHP using the applicable exchange rate displayed before you confirm your payment. There’s no need to exchange cash or maintain a local Philippine bank account.
Using QR Ph Scan & Pay is simple:
Your transaction is now completed, and you will receive a notification in your app. Payment is automatically settled in local Philippine Pesos (PHP) to the merchant.
Your moolahPAY eWallet is topped up in Singapore Dollars (SGD).
When you make a QR Ph payment, the transaction is completed in Philippine Pesos (PHP). moolahPAY automatically converts your SGD balance into PHP using the applicable exchange rate, which is displayed before you confirm the transaction.
This allows you to enjoy the convenience of paying local merchants in their local currency without needing to carry cash or open a Philippine bank account.
moolahPAY offers competitive exchange rates. The final exchange rate and payment amount will be displayed before you authorise the transaction.
Currently, there are no fees for using QR Ph Scan-and-Pay in moolahPAY. All applicable fees, if any, will be displayed clearly and transparently in the moolahPAY app payment page before you complete your payment.
All QR Ph transactions made via moolahPAY will appear in your moolahPAY e-wallet transaction ‘History’ including the exchange rate used and any applicable fees applied.
Yes. QR Ph is built on the internationally recognized EMV® QR standard, providing secure and reliable QR code payments.
Transactions made through moolahPAY are protected by robust encryption and authentication technologies, helping safeguard your payment information while reducing the need to carry cash or expose card details.
Most QR Ph payments are completed within seconds.
Once your payment is successful, the merchant will receive immediate confirmation.
Transaction limits may apply depending on regulatory requirements and your moolahPAY account status.
QR Ph Scan-and-Pay is available to all moolahPAY users using the latest version of the app, but users who have completed full-KYC verification enjoy higher transaction limits. Full-KYC verification typically takes one to three business days to process. It is advisable to begin the process before traveling overseas.
| Limits | Verified Users | Unverified Users |
| Min Per transaction | PHP 10 | PHP 10 |
| Max Per transaction | PHP 150,000 | PHP 25,000 |
| Monthly | SGD 30,000 | SGD 1,000 |
| Yearly | SGD 50,000 | SGD 10,000 |
These limits are subject to change. Any changes in these limits will be shown in the moolahPAY app at the time of scanning the QR Ph code. Additionally, some merchants may impose their own limits as well.
If your payment cannot be completed:
1. Check that you have a stable internet connection.
If after scanning the QR Ph code or clicking ‘Pay’, the app just keeps loading or remains idle, this could be due to slow internet connection or a temporary system delay. Please check your connection and try again. Ensure that you have a strong data signal on your Wi‑Fi or mobile network. DO NOT scan and pay again until you have confirmed that the previous payment was unsuccessful.
2. Ensure you have sufficient wallet balance.
3. Verify that the QR Ph code is valid.
If you see an “Unrecognized QR code” message, it means the code is not in the standard QR Ph format and is not supported by moolahPay. Please check with the merchant to ensure they provided you with a valid QR Ph code.
4. Try scanning the QR code again.
5. If the issue persists, please contact Moolahgo Customer Support.
My moolahPAY wallet has been deducted but the merchant claims the funds have not been received.
If your moolahPAY app shows the transaction as successful and your wallet has been deducted, the payment would have been sent to the merchant’s account. In some cases, the merchant’s system may take some time to update the transaction. Show your payment confirmation to the merchant and ask them to check again.
If the issue persists, you may contact our support team at support@moolahgo.com or send a WhatsApp message to +65-88980978 (10am to 6pm SGT, Monday to Saturday, except on public holidays).
If a payment has in fact not been received by the merchant, Moolahgo will process a refund to your wallet after completion of investigations.
DO NOT make another payment to the merchant until you have confirmed the status of the original transaction with our Customer Support team.
Refunds are subject to the merchant’s refund policy.
Refund times depend on the merchant’s processing speed. Once the merchant initiates the refund, funds are typically returned to your moolahPay wallet after approximately 15 (fifteen) business days but may take longer depending on the situations. We recommend checking with the merchant to confirm that the refund has been initiated, and their processing time.
If you require a refund, please contact the merchant directly. If you need further assistance, Moolahgo Customer Support will be happy to assist you via WhatsApp at +65-88980978 (available 10am to 6pm SGT, Monday to Saturday, except on public holidays).
No, it will not, as long as you only access your moolahPAY app from your regular mobile device, and not from another device. Using data roaming or e-SIM will not trigger a 12-hour cooling off period on your account.
Unfortunately, there is nothing we can do to shorten this cooling off period as it is a regulatory requirement. If you need to access your moolahPAY account from another device for your travels, we recommend that you allow sufficient time for the 12-hour cooling-off period to lapse.
QR Ph is the Philippines’ official national QR payment standard.
Unlike proprietary QR payment systems that work only within a specific bank or e-wallet, QR Ph is designed to be interoperable across participating financial institutions.
Built on the globally recognized EMV® QR standard, QR Ph provides a secure, reliable and convenient way to make digital payments using one standardized QR code accepted by participating merchants throughout the Philippines.
If you have any questions or require assistance with QR Ph Scan & Pay, please contact the Moolahgo Customer Support team at support@moolahgo.com or WhatsApp (message only) to +65-88980978 (10am to 6pm SGT, Monday to Saturday, except on public holidays).
Simply drop us a line and we will get in touch, bringing with us the best financial solutions catered for you.
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