QR Ph Gateway

Accept payments with a single QRPh code

A developer-friendly payment gateway for the Philippines. Create a payment, share a hosted checkout link, and get paid the moment your customer scans with GCash, Maya, BPI, BDO, and more.

Try the checkout demo View API Docs & Tutorial

Works with your favorite banks & e-wallets

GCash • Maya • BPI • BDO • UnionBank

Everything you need to get paid

Built on Laravel with a clean merchant API, hosted checkout, and real-time status updates.

Unique payable amounts

Every payment reserves a unique centavo suffix so incoming transactions match automatically — no manual reconciliation.

Hosted checkout page

Share a secure /pay/{token} link. Customers scan the QRPh code and pay from any partner app.

Real-time confirmation

Live status via Laravel Reverb with automatic polling fallback — the success screen appears the instant payment lands.

Simple merchant API

Create, list, and retrieve payments over a versioned REST API with API-key auth and idempotency built in.

Automatic reconciliation

A scheduled reconciler matches provider transactions to pending payments and settles them without lifting a finger.

Secure by design

Money is stored as integer centavos, return URLs are validated, and only safe fields are ever broadcast.

How it works

Three steps from checkout to confirmed payment.

Create a payment

Call the merchant API with an amount and description to generate a hosted checkout link.

Customer scans QRPh

The buyer opens the link and scans the QR with any partner bank or e-wallet to pay the exact amount.

Get confirmed instantly

Reconciliation matches the transaction and the checkout flips to a success screen in real time.

Developer API & SDK Quickstart

Integrate QRPh in minutes

Everything you need to initiate and track QRPh payments. Use your preferred language or HTTP client with standard Bearer authentication.

1 Console

Get your API Key

One-time raw key reveal

2 REST Call

Create Payment

Post amount and order reference to /v1/payments with Bearer header and optional idempotency key.

Auto-assigned unique centavos

3 Customer UX

Hosted Checkout

Redirect the buyer to the returned checkout_url or render the dynamic QR payload in your app.

Ready for GCash, Maya & Banks

4 Settlement

Confirm Payment

Query GET /v1/payments/{id} to check real-time status as bank transactions reconcile automatically.

Automated matching engine

Language:

POST /v1/payments • Bearer <sk_test_...>

Request Snippet cURL CLI

curl -X POST https://zer0-gateway-production-eneime.laravel.cloud/v1/payments \
  -H "Authorization: Bearer sk_test_YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -H "Accept: application/json" \
  -H "Idempotency-Key: idemp_order_1001" \
  -d '{
    "amount": 250.00,
    "currency": "PHP",
    "reference_id": "ORDER-1001",
    "description": "Payment for Order #1001",
    "metadata": {
      "customer_email": "buyer@example.com"
    }
  }'

Sample Response 201 Created

{
  "data": {
    "id": "pay_01j7abc123456789xyz",
    "object": "payment",
    "status": "pending",
    "amount": 25000,
    "payable_amount": 25014,
    "currency": "PHP",
    "description": "Payment for Order #1001",
    "reference_id": "ORDER-1001",
    "checkout_url": "https://zer0-gateway-production-eneime.laravel.cloud/pay/chk_01j7abc123456789xyz",
    "qr_string": "00020101021228150011ph.ppmi.p2m...",
    "metadata": {
      "customer_email": "buyer@example.com"
    },
    "paid_at": null,
    "expires_at": "2026-09-29T18:45:00.000000Z",
    "created_at": "2026-09-29T18:00:00.000000Z"
  }
}

Request Parameters (`POST /v1/payments`)

All JSON body parameters accepted by the QRPh payment creation endpoint.

Content-Type: application/json

Parameter	Type	Requirement	Description
amount	numeric	Required	Payment amount in PHP decimal (e.g. `250.00`, minimum `1.00`).
currency	string	Optional	Three-letter ISO currency code. Defaults to `PHP`.
reference_id	string	Optional	Your internal invoice or order identifier (e.g. `ORDER-1001`).
description	string	Optional	Customer-facing checkout description displayed on the hosted payment page.
metadata	object	Optional	Key-value JSON metadata dictionary for custom merchant tracking.

Ready to integrate or test?

Open the interactive checkout demo or sign in to your merchant console to generate API keys.

Launch checkout demo Merchant Portal