Yes, all source accounts (BDO Savings, Checking, Basic Account) including BDO Credit Card* can be used when scanning QR Ph codes.  

*BDO Credit Card can be used to scan a merchant's BDO-issued QR Ph code. 
 

Yes, QR Ph codes generated by individuals can be scanned.This will be treated as a Send Money transaction and will have corresponding fees if they are non-BDO users.  

For now, only BDO Savings, Checking, and Basic Accounts can be used to scan other merchants’ QR Ph codes.  
However, all source accounts including BDO Credit Card can be used to scan the merchants’ BDO-issued QR Ph codes.

None! There are no charges for scanning any official merchant QR Ph code, even those from other providers. Enjoy in-store payments under QR Ph for FREE using the app.  

Yes, the daily limit is combined for all source accounts.

Yes, your payments will be reflected in real-time.  

Please ask the cashier to void the transaction or get in touch with the QR Ph code provider.

Check from the list below what message you're getting, what it means, and what steps you can take to fix this. 

• Notification: For your security, we've logged you out due to inactivity. Log in again to continue. 
  • What you should do: Log in to your BDO Pay app again and re-scan the QR code. 
     
• Notification: You need an active BDO Savings, Checking, or Pay Account to do this. If you have any of these accounts, link them by going to More > Link/Unlink Accounts. You can also open an account here.
  • What you should do: Link an active BDO Savings, Checking, or Pay Account before trying again. You also have the option to open a new account that you can link to the app once activated.
     
• Notification: Your account is inactive. To continue using BDO Pay, go to your BDO branch of account to reactivate it. 
  • What you should do: If your account is a BDO Savings or Checking Account, visit your BDO branch of account to reactivate. 
     
• Notification: Account inactive. Cash in to reactivate, then try again.
  • What you should do: If you have a BDO Pay Account, simply cash in at any BDO Cash Deposit Machine to reactivate. 
     
• Notification: This account's balance isn't enough for this transaction. Cash in or select another account, then try again. 
  • What you should do: Choose another account linked to your BDO Pay app, or cash in to complete the transaction. 
     
• Notification: There have been too many attempts to log in with your fingerprint. For your security, please log in with your PIN. 
  • What you should do: Log in with your PIN to continue your transaction. 
     
• Notification: For your security, your account has been temporarily locked. Unlock it by resetting your PIN. Tap Forgot PIN? 
  • What you should do: Tap Forgot PIN? and follow the steps to reset it.  
    
    
• Notification: Is your internet connection OK? Check and try again.
  • What you should do: Double-check if your mobile data is on or if you're properly connected to WiFi, then re-scan the QR code. 
     
• Notification: Transaction interrupted. Check your balance before trying again. If the amount has already been deducted, check your email for transaction confirmation. 
  • What you should do: Check your account balance and your email to see if the transaction when through to avoid being charged twice. If your balance did not change and no confirmation email was received, try again.

Ask the cashier to call their QR Ph provider’s hotline.

Check if your camera lens is dirty or if there is something blocking a portion of the QR code, then try again.

If you are shopping in-store and have trouble scanning a cashier-generated QR code, just ask the cashier to generate a new one. If you’re having trouble scanning the generic displayed QR code and no other QR payment options are available, please inform the merchant that there is a problem with their displayed QR code. Please use a different payment option in the meantime.