The rollout of QR Ph P2M builds on the country's successful adoption of QR Ph Person-to-Person (P2P) payments, its first use case for said technology. With this feature, QR Ph can be used for digital person-to-person (P2P) transfers and person-to-merchants (P2M) payments through InstaPay. Difference of QR Ph P2P and P2M QR Ph for P2P caters to peer-to-peer transfers and may be used for remittances, splitting bills or payables among friends, making donations especially during calamities, as well as payments to some informal businesses such as the purchase of goods at sari-sari stores and wet market. Drawing on the successful launch and adoption of the QR Ph P2P facility, the QR Ph (P2M) stream extends the payment use case of QR Ph to enable digital payments between customers and merchants. The QR Ph P2M facility, on the other hand, shall take the services provided under the QR Ph P2P to a broader scope as it is perceived to empower the small economic actors to take part in the digital payments ecosystem. Read more in our articles including "BSP's QR Ph Person-to-Merchant (P2M) Stream: What you need to know" and "BIR opens Tax Payer Portal".
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Apr 2, 2026The rollout of QR Ph P2M builds on the country's successful adoption of QR Ph Person-to-Person (P2P) payments, its first use case for said technology. With this feature, QR Ph can be used for digital person-to-person (P2P) transfers and person-to-merchants (P2M) payments through InstaPay.
Difference of QR Ph P2P and P2M QR Ph for P2P caters to peer-to-peer transfers and may be used for remittances, splitting bills or payables among friends, making donations especially during calamities, as well as payments to some informal businesses such as the purchase of goods at sari-sari stores and wet market. Drawing on the successful launch and adoption of the QR Ph P2P facility, the QR Ph (P2M) stream extends the payment use case of QR Ph to enable digital payments between customers and merchants. The QR Ph P2M facility, on the other hand, shall take the services provided under the QR Ph P2P to a broader scope as it is perceived to empower the small economic actors to take part in the digital payments ecosystem.
Our coverage of QR Ph P2P includes: "BSP's QR Ph Person-to-Merchant (P2M) Stream: What you need to know"; "BIR opens Tax Payer Portal"; "DTI retracts plan to require permit when running online ads and promos". Each article provides unique insights and information.