InstaPay or P2P QRPh? What is it?
In my previous post, I voiced my opinion that many merchants use their personal GCash account to accept payments. At that time, I was thinking of the proprietary GCash QR code that would only work for customers who use their GCash wallets. More recently, I noticed personal QR codes that seem to work with all e-wallets and mobile banking applications. I tested this specifically with the BPI banking application and the GCash wallet.
Have I found the P2P QRPh?
In this post, I am analyzing the data and the formatting that is used for the P2P QR code. If you are curious, you can also run your own QR codes through my QR Decoder.