a. Can merchants not accept QR Ph payments, but accept other QRs, specific to just one or a few financial apps?
Yes, boss. Some merchants may limit the QR payments they accept. There are stores who may choose not to accept QR Ph and only allow payments through specific apps (like GCash or Maya).
This usually happens because:
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Many small merchants use personal QR codes linked to their own wallet or bank.
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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.