b. Can merchants refuse to accept SkyroCredit or SkyroPondo as a mode of QR payment, if they accept QR Ph?
Yes, it can happen, boss. Some merchants may ask you not to use SkyroCredit or SkyroPondo, even if they accept QR Ph.
Why?
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Their POS system may not immediately recognize the payment.
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This can cause a “floating” transaction, where:
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The amount is already deducted from your Skyro account
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But the merchant’s system hasn’t reflected it yet
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What you can do:
If the merchant insists, 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.