Step-by-Step Guide: Applying for QRPh as a Small Business in the Philippines

Digital payments are no longer a nice-to-have for small businesses, they’re a necessity. In the Philippines, QRPh has emerged as one of the fastest-growing cashless payment solutions, allowing customers to pay using their preferred e-wallet or mobile banking app with just one scan.

For small business owners, adopting QRPh means faster transactions, reduced cash-handling risks, and a more professional customer experience. In this guide, we’ll walk you through a step-by-step process on how to apply for QRPh, get onboarded smoothly, and start accepting cashless payments with confidence.

Whether you run a sari-sari store, café, online shop, or service-based business, this guide is for you.

Merchants can accept cashless payments from participating bank apps and e-wallets nationwide using one standardized QR code.

What Is QRPh?

QRPh is the national QR code standard developed by the Bangko Sentral ng Pilipinas (BSP). It enables customers to pay using multiple participating e-wallets and banking apps through one unified QR code.

Instead of displaying several QR codes from different providers, merchants only need one QRPh code to accept payments from platforms like GCash, Maya, and supported bank apps.

Why Small Businesses Should Use QRPh

Before diving into the application steps, here’s why QRPh is a smart move for small businesses:

• One QR code, multiple payment options

• Faster and fully contactless transactions

• Reduced cash handling and fewer errors

• Easier payment tracking and reconciliation

• Increased trust and convenience for customers

  
  

With a payment partner like MPay, you enjoy all these benefits, plus local support and merchant-focused tools designed to help your business grow.

Choose MPay as Your QRPh Provider

Not all QRPh providers offer the same level of service. Choosing the right payment partner matters. MPay is built for Philippine businesses that value:

• Simple and guided onboarding

• Transparent processes

• Local customer support

• Secure, BSP-aligned payment systems

  
  

With MPay, you don’t just receive a QR code, you gain a trusted partner that supports your cashless journey from day one.

Who Can Apply for QRPh?

QRPh is designed to be accessible for businesses of all sizes. You can apply if your business is:

• Registered under DTI (sole proprietors)

• Registered under SEC (partnerships or corporations)

• Operating as a micro, small, or medium enterprise (MSME)

  
  

As long as your business is legally registered, you’re eligible to apply.

Step-by-Step Guide: How to Apply for QRPh with MPay

Step 1: Initial Phone Assessment

Your QRPh journey with MPay starts with a free phone consultation. During this assessment:

• MPay answers all your questions

• Your business needs are evaluated

• You’ll know if QRPh is the right fit for your operations

  
  

This step ensures a smooth and hassle-free onboarding experience.

Step 2: Prepare Your Business Requirements (KYC Submission)

Before applying, make sure you have your business documents ready. These are standard Know Your Customer (KYC) requirements for QRPh onboarding. For the complete and updated list of requirements.

Tip: Submitting complete and accurate documents helps speed up the approval process.

Step 3: Submit Your Application

Once your documents are ready, submit your QRPh application through MPay. This typically includes:

• Accomplished and signed merchant application forms

• Scanned or digital copies of required documents

• Basic business information and settlement details

  
  

MPay’s onboarding team will guide you through each step to ensure nothing is missed.

Step 4: Account Review and Verification

After submission, MPay will review your application to ensure compliance with BSP and QRPh standards. This process includes:

• Verifying business legitimacy

• Reviewing document completeness

• Confirming authorized signatories

  
  

This step is essential for security and fraud prevention. Approval timelines may vary, but complete submissions are processed faster.

Step 5: Receive and Activate Your QRPh Code

Once approved, MPay will issue your official QRPh code. You can:

• Display it at your physical store

• Share it with customers for online or remote payments

• Accept payments from supported e-wallets and bank apps

  
  

MPay will also provide guidance on monitoring transactions and settlement schedules.

Step 6: Start Accepting Cashless Payments

You’re officially live!

Customers can now scan your QRPh code using their preferred app, while you enjoy:

• Faster checkout and improved customer flow

• Automated transaction records

• Secure settlements to your nominated bank account

  
  

With MPay, you get clear visibility over your payments and access to reliable support whenever you need it.

Tips to Maximize Your QRPh Experience

To get the most out of QRPh, keep these best practices in mind:

• Place your QR code in a visible, well-lit area

• Train staff to assist customers during payment

• Display “We Accept QRPh” signage

• Monitor transactions regularly

• Encourage repeat customers with cashless convenience

Why Apply for QRPh with MPay?

MPay is designed with Filipino entrepreneurs in mind. When you partner with MPay, you benefit from:

• A simplified QRPh application process

• Dedicated local merchant support

• Secure and compliant payment infrastructure

• A future-ready fintech solution

  
  

From onboarding to daily operations, MPay helps your business move forward, cashless and confident.

Applying for QRPh is one of the easiest and most effective ways to modernize your business and meet today’s customer expectations. With the right preparation and a reliable payment partner like MPay, the process becomes smooth, secure, and stress-free.

If you’re ready to accept cashless payments and grow your business, QRPh with MPay is the smart next step.