QR Ph

QR Ph gives you instant access to the Philippines' universal QR payment network. Whether you're sending money to the Philippines or using UniFi from the Philippines, QR Ph makes payments fast and simple.

Pay Anyone in the Philippines

With QR Ph, you can pay anyone—friends, family, businesses, or merchants—by simply scanning their QR code.

Pay in PHP from any currency

Send PHP directly from your UniFi balance. Enter the amount in pesos, and your recipient gets PHP instantly via InstaPay.

UniFi uses the mid-market exchange rate with transparent pricing.

How to pay with QR Ph

1. Tap the QR button in the UniFi app
2. Scan any QR Ph code (or upload an image)
3. Confirm the recipient and enter the amount
4. Done—payment arrives in seconds

Who you can pay

QR Ph is the Philippines' interoperable payment standard. One scan works across:

• 50+ banks: BDO, BPI, UnionBank, Metrobank, RCBC, Security Bank, and more
• All major e-wallets: GCash, Maya (PayMaya), ShopeePay, GrabPay, and others
• 675,000+ merchants: From sari-sari stores to major retailers

No need to ask for account numbers or figure out which bank someone uses. If they have a QR code, you can pay them.

Works from anywhere

In the US? Pay your family's bills, send to their GCash, or pay Philippine merchants directly. No Philippine bank account needed.

In the Philippines? Keep your savings in USD and earn Rewards automatically. When you want to spend locally, just scan and pay—UniFi handles the conversion instantly at the mid-market rate. No need to manually convert currencies or time the market.

Hold USD, Spend PHP

For users in the Philippines—whether locals or expats—QR Ph unlocks a powerful combination:

• Earn Rewards on your USD balance — Your savings grow automatically
• Spend locally without friction — Scan any QR Ph code and pay in pesos
• No manual conversions — UniFi converts USD to PHP instantly when you pay
• Mid-market rate — No markup, no spread, no surprises

This means you get the stability of holding USD and earning Rewards, with the convenience of spending anywhere in the Philippines. It just works.

Deposit PHP to Your Account

Add funds by depositing PHP from any Philippine bank or e-wallet. Your deposit is converted to USD (or other supported currencies) with no markup on the exchange rate.

How to deposit with QR Ph

1. Open the deposit flow in UniFi
2. Generate a QR code for your deposit
3. Open your Philippine banking app (GCash, BDO, BPI, Maya, etc.)
4. Scan the QR code and send PHP
5. Your USD balance is credited within minutes

No FX markup

UniFi converts your PHP to USD with no markup—you get the same rate we get, not a marked-up retail rate.

UniFi uses the mid-market rate with no spread or markup.

This makes QR Ph deposits one of the most cost-effective ways to fund your UniFi account from the Philippines.

Two ways to deposit

• Dynamic QR: Generate a one-time QR code for a specific amount. Ideal for exact deposits.
• Static QR: Get a permanent QR code you can save, screenshot, or print. Deposit any amount, anytime.

Why QR Ph?

The Philippines has one of the most advanced real-time payment systems in Southeast Asia. QR Ph, built on InstaPay and PESONet rails, enables real-time interbank transfers across the entire Philippine banking system.

With QR Ph in UniFi, you get:

• Speed: Payments settle in seconds, not days
• Reach: Access to every bank and e-wallet in the Philippines
• Simplicity: No account numbers, no routing codes—just scan and pay
• Value: No markup on PHP to USD conversion for deposits