Where is QR Ph accepted?

What can I buy via QR Ph?

You can buy almost anything via QR Ph, boss, whether it’s food, groceries, medicine, snacks, café treats, or basics from your favorite sari-sari store. As long as the store accepts QR Ph payments, you’re good to go!

Where can I use QR Ph?

Whether it’s a sari-sari store, a drugstore, grocery, shop, or restaurant, as long as there is a QR Ph code available, you can use SkyroCredit to make a purchase. See a QR Ph standee at the cashier? That’s your sign to scan and pay with SkyroCredit, boss!

Can I pay with QR Ph online?

Yes, boss! You can use SkyroCredit to pay online with QR Ph. Follow these steps:

1. Pick an item and choose QR Ph as your payment method at checkout
2. Download the QR code image to your mobile device
3. Open the Skyro app and tap the QR icon at the bottom center of your home screen
4. Tap “Upload QR Ph' at the bottom and select the saved QR image from your device
5. Confirm the amount and pay

Can I use QR Ph for loan payments?

Yes, boss! You can use QR Ph to pay for your other Skyro loans! The transaction fee costs only ₱10.

👉 Learn how to pay with QR Ph here

Can I use QR Ph for cash-out?

No, boss. QR Ph in the Skyro app is only for paying merchants. It cannot be used to cash-out money.

Can I use QR Ph for transfers?

No, boss. QR Ph in the Skyro app is used only for merchant payments, not for sending money to another person.

How long does a QR Ph payment take?

QR Ph payments usually arrive quickly, boss! But if not, it might be because of:

• Weak signal
• Full inbox
• Cashier checking the SMS on the wrong phone or number

What if a merchant doesn’t accept QR Ph?

You can still try to pay

Don’t worry, boss.

If the merchant accepts QR Ph, you can usually still pay with SkyroCredit, even if they say they don’t “work with Skyro”.

👉 QR Ph is designed to work across different payment providers.

Under BSP Circular No. 1055, all payment service providers (PSPs) are required to put the safety of both payers and payees first when it comes to QR-enabled payments.

Here’s what you should know:

• BSP requires all PSPs to follow the National QR Code Standard.
• This means QR Ph is interoperable — it works across different payment providers.
• In short, any merchant with a QR Ph code should accept payments from any PSP, no matter which provider they use.

Why some merchants don’t accept QR Ph

Yes, boss. Some merchants may:

• Only accept specific apps (like GCash or Maya)
• Use personal QR codes linked to their own account

👉 These QR codes are not QR Ph, so they don’t work across all providers.

This usually happens because:

• Many small merchants use personal QR codes linked to their own wallet or bank.
• These QRs work only within that specific app, not across all providers.

So if it’s not a QR Ph code, your payment options may be limited to the app shown on the QR.

Some reminders, boss

If the merchant does not accept QR Ph, you won’t be able to use SkyroCredit to pay.

Here’s why:

• SkyroCredit works only with QR Ph codes
• SkyroPondo is your account inside the app for storing funds, but it can’t be used to pay non-QR Ph merchants

If you’re unsure which QR to use, it’s always best to check with the merchant first, boss.

Can merchants say no to Skyro payments?

Yes boss, it can happen.

Some merchants may ask you not to use SkyroCredit or SkyroPondo, even if they accept QR Ph.

👉 This is usually because:

• Their system may not recognize the payment right away
• It may show as a pending or "floating" transaction, where:
• The amount is already deducted from your Skyro account
• But the merchant’s system hasn’t reflected it yet

What should I do?

If the merchant does not allow the transaction:

👉 You may choose to pay in cash to avoid delays or confusion.

Don’t worry, boss, your funds are safe and the transaction will be completed once the merchant’s system updates.

Need more help?

If you experience any issues, please chat with the Customer Care team in the Skyro app.

If you don't have access to the Skyro app, you may email care@skyro.ph, chat with us on Facebook messenger, or call these numbers:

• +63 919 1700 700
• +632 8540 3344