Pay, shop and transact anytime, anywhere

Scan to Pay with Home Credit

Enjoy simple, fast, secure and convenient way to pay for in-store transactions via QR in partner stores nationwide.

Use your HCQwarta or HCCard when paying in partner stores.

Explore our wide network of partner stores nationwide.

Just look for the QR Ph logo in participating stores and scan to pay.

Gain access to a wide network of merchants with QR Ph

Bangko Sentral ng Pilipinas has recently launched the "QR Ph", as the National QR code standard. This requires financial institutions to adopt one (1) standard of QR code to foster an efficient and interoperable payment system.

How To Pay via QR with My Home Credit App

Payments made easy

In-app transactions that are simple, fast, convenient, and secure. Plus, enjoy great deals and discounts when you pay through the My Home Credit app.

Enjoy hassle-free contactless payments within your phone.

Choose from a wide variety of prepaid products and billers.

Get exclusive discounts, rebates and offers.

How to shop online through
Home Credit Pay

Ready to shop online?

Select one of our partners below and pay through Home Credit Pay

See Merchant Partners

Explore our partner stores

We are continuously expanding our wide network of merchants to better serve all your needs! Check out our current list of partners below.

See list of Partner Stores

Are you an online merchant?

Learn how we can boosts your sales by offering your customers a flexible way to pay.

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Are you an online merchant?

Learn how we can boosts your sales by offering your customers a flexible way to pay.

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Get started with using
Home Credit Mobile Payments

Buy Load

Get discounts and no additional fees!

Buy load credits of any mobile network or prepaid utility service right at your fingertips using your My Home Credit app and save up to 5%.

Merchants

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Pay Bills

Over 200+ Billers Nationwide!

No need to line up to pay your bills. Just use your My Home Credit app and your service fee will be waived.

List of Billers

Frequently Asked Questions

See more FAQs

Frequently Asked Questions

Frequently Asked Questions

What is HCPay QR?

HCPay QR (Quick Response) is a contactless method of payment which is performed by scanning QR code, a 2D barcode readable by our My Home Credit App. It is a safe and convenient way to pay for your transactions.

Who are eligible to use HCPay QR?

HCPay QR is available to any users with a registered account in My Home Credit App. Payment methods accessible may vary from Home Credit Card, Home Credit Wallet, Home Credit Qwarta and cash.

What are the benefits of using HCPay QR?

HCPay QR eliminates any need for physical cards or cash. You only need to bring your smartphone or tablet with the downloaded My Home Credit App and connect it to the internet to scan a QR code and pay your transaction.
Also, a cashless payment helps to ensure a safe and convenient environment for both you and the merchant, as it helps to maintain social distancing.

Is HCPay QR safe and legitimate?

Yes, HCPay QR is both safe and legitimate!
To ensure this, the app will ask for your 4-digit PIN before confirming payment for your transaction. Once successful, you will get a receipt for your record keeping.

What are the security features of HCPay QR?

My Home Credit App is using latest technologies to protect your security. Data are stored in secured servers, and payments are encrypted with industry-standard technology.
In addition, there are several security features in place for you:
  • Every login to My Home Credit App requires a PIN. It is strongly recommended that you keep this information to yourself to protect you from fraud and/or identity theft.
  • If you notice any suspicious activity in your Home Credit Card, you may immediately call our Customer Service at (02) 7753 5711 and our agents will assist you.

What do I need to do to start using HCPay QR?

To start using HCPay QR for your purchases or claiming Smile Rewards discounts, you will need to download and register an account in our My Home Credit App.
This registration process includes submitting necessary documentation and agreeing to Home Credit’s terms and conditions.

What are the personal information that will be required from me during the registration?

Once you agree to Home Credit’s data privacy and confidentiality agreement, basic personal information such as your full name, address, date and place of birth, employment history, mobile phone number and email address will be required from your end.

Do I need to enroll my Home Credit Card to My Home Credit App?

Your Home Credit Card account will automatically be enrolled to My Home Credit App, so you wouldn't need to manually do this from your end. Simply ensure that you have the latest version of My Home Credit App to avoid any further concerns.

How do I know if a store is accepting HCPay QR as a payment method?

Our partner stores would either have the Home Credit logo or the AUB Paymate logo.
You may also look for the QR PH logo on any QR standees, which enables you to use Home Credit payment services, even if the store is not partnered with us!

What is QR Ph?

Bangko Sentral ng Pilipinas has recently launched the "QR Ph", as the National QR code standard. This requires financial institutions to adopt one (1) standard of QR code to foster an efficient and interoperable payment system.
This means that, with My Home Credit App, you would be able to scan QR codes from different acquirers or institutions, e.g., PayMaya, Gcash, BDOPay, AllBank, and others, for as long as it is compliant to BSP's QR Ph standard.

How do I know if a QR code is compliant to BSP's QR Ph standard?

As an indicator, you will usually find the QR Ph logo on the QR standee displayed in the store. Otherwise, you may ask assistance from the retail staff.

Which acquirers are QR Ph participants?

QR Ph is currently available in 30k shops from 20k merchants. The following are the 12 participating institutions:
  1. 1. Unionbank
  2. 2. Paymaya
  3. 3. BDO
  4. 4. Landbank
  5. 5. Chinabank
  6. 6. RCBC
  7. 7. Robinsons Bank
  8. 8. AllBank
  9. 9. Cebuana Lhuillier
  10. 10. Starpay
  11. 11. USSC Money Transfer
  12. 12. AUB
Please note that some of these acquirers are still in the process of rolling out this initiative, so not all of their partner stores may already be compliant to QR Ph.

Do you have a list of HCPay QR partner stores that I can refer to?

Yes, simply go to https://homecredit.ph/hcpay-merchant-partners/

Is the QR code unique per merchant?

Yes, every merchant has its unique QR code.

How can I scan a QR Ph code using My Home Credit App? And would this incur any extra fees?

Any additional fees for your QR Ph transactions through our My Home Credit App are dependent on the acquirer. To proceed, simply follow the steps below:
  1. 1. Tap the ‘Scan’ button in the Home Credit mobile app’s dashboard.
  2. 2. Scan the store’s QR Ph compliant code.
  3. 3. Input the original amount of your purchase.
  4. 4. Tap the ‘Continue’ button.
  5. 5. In the ‘Review Payment’ screen, select the payment method you would like to use.
  6. 6. Review the payment summary.
  7. 7. Tap the ‘Confirm Payment’ button.
  8. 8. Enter the 4-digit PIN of your My Home Credit App.
  9. 9. Present the ‘Transaction Complete’ message to the store as a receipt of your transaction.

How can I make Home Credit Card transaction through HCPay QR? And would this incur any extra fees?

Using HCPay QR for your Home Credit Card transactions is free of any charges.
To proceed, make sure that you have a Home Credit Card and that your My Home Credit App has an up-to-date version. In the app, simply follow the steps below:
  1. 1. Tap the ‘Scan’ button in the Home Credit mobile app’s dashboard.
  2. 2. Scan the partner store’s Home Credit QR code.
  3. 3. Input the original amount of your purchase.
  4. 4. Tap the ‘Continue’ button.
  5. 5.1. In the ‘Review Payment’ screen, confirm if the payment option displayed is "Home Credit Card".
    5.2. If not, simply tap on the 'Change Payment Option' button and select "Home Credit Card". Thereafter, you will automatically be redirected back to the previous screen.
  6. 6. Review the payment summary.
  7. 7. Tap the ‘Confirm Payment’ button.
  8. 8. Enter the 4-digit PIN of your My Home Credit App.
  9. 9. Present the ‘Transaction Complete’ message to the store as a receipt of your transaction.

How can I use Home Credit Qwarta to pay for my HCPay QR transactions? And would this incur any extra fees?

If you have an active Home Credit Qwarta, it will automatically be available as one of your payment options when you create an HCPay QR transaction. In the app, simply follow the steps below:
  1. 1. Tap the ‘Scan’ button in the Home Credit mobile app’s dashboard.
  2. 2. Scan the partner store’s Home Credit QR code.
  3. 3. Input the original amount of your purchase.
  4. 4. Tap the ‘Continue’ button.
  5. 5.1. In the ‘Review Payment’ screen, confirm if the payment option displayed is "Home Credit Qwarta".
    5.2. If not, simply tap on the 'Change Payment Option' button and select "Home Credit Qwarta". Thereafter, you will automatically be redirected back to the previous screen.
  6. 6. Review the payment summary.
  7. 7. Tap the ‘Confirm Payment’ button.
  8. 8. Enter the 4-digit PIN of your My Home Credit App.
  9. 9. Present the ‘Transaction Complete’ message to the store as a receipt of your transaction.
Interest fees are charged on a daily basis a day after the transaction was made. To compute, simply multiply your transaction amount with the 0.13% daily interest rate and the number of days it was borrowed.
For further details, you may check out: https://homecredit.ph/Qwarta/

How can I use Home Credit Wallet to pay for my HCPay QR transactions? And would this incur any extra fees?

If you have an active Home Credit Wallet, it will automatically be available as one of your payment options when you create an HCPay QR transaction. In the app, simply follow the steps below:
  1. 1. Tap the ‘Scan’ button in the Home Credit mobile app’s dashboard.
  2. 2. Scan the partner store’s Home Credit QR code.
  3. 3. Input the original amount of your purchase.
  4. 4. Tap the ‘Continue’ button.
  5. 5.1. In the ‘Review Payment’ screen, confirm if the payment option displayed is "Home Credit Pay Wallet".
    5.2. If not, simply tap on the 'Change Payment Option' button and select "Home Credit Pay Wallet". Thereafter, you will automatically be redirected back to the previous screen.
  6. 6. Review the payment summary.
  7. 7. Tap the ‘Confirm Payment’ button.
  8. 8. Enter the 4-digit PIN of your My Home Credit App.
  9. 9. Present the ‘Transaction Complete’ message to the store as a receipt of your transaction.

Is there a minimum or maximum transaction amount when making an HCPay QR payment?

Unless anything was specified by the store, HCPay QR transactions do not have any limit so long as they are within your Home Credit Card's, Qwarta's and Wallet's credit limit or remaining balance.

How would I know if my Home Credit Card, Qwarta or Wallet has sufficient balance for the transaction?

When choosing a payment method in the 'Review Payment' screen, you will be able to see your remaining balance for each option accessible to you.
Another alternative is by redirecting to the Home Credit Card, Qwarta or Wallet dashboard which also includes information such as your available credit limit, list of transactions, etc.

How do I know if the payment transaction was successful?

In your My Home Credit App, the 'Transaction Complete' screen will appear after you have confirmed your payment. This may serve as your receipt for transaction.
In addition, you may check your transaction history and account balance in the Home Credit Card, Qwarta or Wallet dashboard.

I didn't see any 'Transaction Complete' screen. How can I confirm if the transaction was successful?

You may confirm with the partner store if the payment went through. You may also check your transaction history and account balance in the Home Credit Card, Qwarta or Wallet dashboard.
If the payment was unsuccessful, you may still try using your Home Credit Card through our POS terminal.

How do I cancel a transaction?

You can always cancel a transaction up until the 'Review Payment' screen before making any payment confirmation. To do this, simply tap on the 'Cancel' button on the upper-left corner of the app.

What if a QR code is not readable?

You may ask one of the retail staff for assistance. Otherwise, you may use your Home Credit Card through POS terminal.

How can I claim Smile Rewards discounts through HCPay QR?

First, make sure that your My Home Credit App has an up-to-date version. In the app, simply follow the steps below:
  1. 1. Tap the ‘Scan’ button in the Home Credit mobile app’s dashboard.
  2. 2. Scan the partner store's Smile Rewards QR code.
  3. 3. Input the original amount of your purchase.
  4. 4. Tap the ‘Continue’ button.
  5. 5. In the ‘Review Payment’ screen, simply tap on the 'Change Payment Option' button and select your preferred payment method. Thereafter, you will automatically be redirected back to the previous screen.
  6. 6. Review the payment summary.
  7. 7. Tap the ‘Confirm Payment’ button.
  8. 8. Enter the 4-digit PIN of your My Home Credit App.
  9. 9. Present the ‘Transaction Complete’ message to the store as a receipt of your transaction.

What should I do if I noticed unauthorized transactions in my account?

You may call our Customer Service at (02) 7753 5711 and our agents will review your transactions and My Home Credit App’s access.
They may also suggest changing your PIN for security reasons.

How can I dispute or request a refund for a transaction made through HCPay QR?

You may coordinate with the partner store for a refund request, or fill out our Dispute Form which can be downloaded from https://homecredit.ph/wp-content/uploads/2019/10/Credit-Card-Dispute-Form-for-Project-8.pdf.
Then, send it to disputeresolution@homecredit.ph together with all the supporting documents relating to the request.

How long does it take to process or settle a dispute request?

Resolution time depends on the concern. However, we are committed to resolving your claim as fast as we can and not exceeding 30 days.

Will there be any fees for an invalid dispute?

You will not be charged for any invalid disputes.
See more FAQs

Frequently Asked Questions

Frequently Asked Questions

What is Home Credit Pay Mobile Payments?

Home Credit Pay Mobile Payments is a new feature in the My Home Credit app that allows you to make payments using your mobile device.

What can I pay for using Home Credit Pay Mobile Payments?

You can pay for your bills, prepaid load purchases and other online purchases.

Are there applicable fees per payment option?

It's free if you use your Home Credit Card or your Home Credit Pay Wallet.

What is the Buy Load feature in My Home Credit app?

Buy Load is a new feature availabe in My Home Credit app that lets you buy prepaid mobile loads, utility loads and other prepaid products.

Who can use the Buy Load feature in My Home Credit app?

All Home Credit customers with a registered account in My Home Credit app can use the Buy Load feature provided they have a Home Credit Card or Home Credit Pay Wallet.

How do I purchase prepaid load in My Home Credit app?

You can purchase prepaid load by using your most updated version of My Home Credit app and follow these easy steps:
1. Click the menu bar at the upper left side of your My Home Credit app.
2. Press Goods and Services then select telco brand under Mobile section or utility prepaid under Others section.
3. Choose the load variant you want to purchase and enter the recepient's mobile number. You may even go to your contact adress book to select a recipient from your mobile phone.
4. Select your preferred payment method from the confirmation screen and Confirm Payment.
The transaction complete receipt will be available once purchase is successful.

What are the requirements when I purchase prepaid load in My Home Credit app?

You must have the most updated version of My Home Credit app and your Home Credit Card and Home Credit Pay Wallet must have sufficient balance to pay for your purchase.

How do I know if the purchase is successful?

You will see the transaction receipt and receive a push notification right after the successful transaction. You may also check the details of your transaction in My Credit Account or Wallet dashboard in My Home Credit app of whichever payment source you have used.

Is there a processing fee when purchasing prepaid load?

There is no processing fee when you buy load in My Home Credit app instead you'll get a 5% discount for every purchase transaction.

What should I do if the prepaid load wast not received by the load recipient?

Make sure that the receipient's number in the push notification confirmation is correct. If the load you purchased is not received within one hour and the amount was already taken out of your account, send an to e-mail to info@homecredit.ph with a screenshot of the transaction receipt or proof of purchase, transaction number, and date and time of purchase.

What are the possible reasons why my purchase will not go through?

Your purchase may not go through if your Home Credit Card and Home Credit Pay Wallet has insufficient balance.

What should I do if my purchase did not go through?

You may add cash to your Home Credit Pay Wallet before you try again or choose another mode of payment that has sufficient balance.

What should I do if I encounter a technical issue while doing a transaction?

In case you are unable to transfer load or experience a technical issue, you may try again making sure to enter the required details correctly. Send an email to info@homecredit.ph with a screenshot of the error if the error persists.

What happens if the mobile number I entered is incorrect?

If the mobile number you entered does not exist or is invalid, the load transfer will not push through. If the mobile number you entered is active, the load will be transferred to the active number and your accout will be charged for that request.

What is the Pay Bill feature in the My Home Credit app?

Pay Bill is a new feature availabe in My Home Credit app that lets you pay for your bills with over 200 billing partners.

Who can use the Pay Bill feature in the My Home Credit app?

All Home Credit customers with a registered account in the My Home Credit app can use the Pay Bill feature provided they have a Home Credit Card and a Home Credit Pay Wallet.

How do I pay my bills online using the My Home Credit app?

Make sure to update your My Home Credit app to the latest version and simply follow these easy steps:
1. Go to the menu bar at the upper left side of your My Home Credit app.
2. Tap Pay Bills then select the category of the billing partner you want to pay.
3. Enter your billing details (i.e. account name, account number and the amount to pay).
4. Choose the payment method you want to use and confirm your payment details.
5. A receipt will pop-up once your payment is successful.

What are the requirements when I pay bills in the My Home Credit app?

Download or update to the latest version of the My Home Credit app. Make sure that your Home Credit Card or Home Credit Pay Wallet has sufficient balance to cover your bill. Lastly, be ready with the billing details.

How do I know if the purchase is successful?

You will see the transaction receipt right after your successful transaction and receive a push or email notification. The details of your transaction will also be available in your My Credit Account and/or Wallet dashboards, depending on the payment source you have used.

Are there any processing or convenience fees included when paying bills online?

It's free if you use your Home Credit Card or your Home Credit Pay Wallet.

What are the possible reasons why my payment will not push through?

Payments may not push through possibly because the balance on your payment option is insufficient or there is an issue with the billing information provided. If you feel you have this covered, feel free to send an e-mail to info@homecredit.ph for further assistance.

What should I do if my payment does not push through?

If your payment does not push through because there is insufficient balance on your payment option, you may add cash to your wallet account or choose a different payment option that can cover the amount you are paying for.
However, if the amount was deducted from your selected payment option and you still receive an error message, please send an e-mail to info@homecredit.ph for proper resolution and include the transaction reference number and a screenshot of the error message.

What should I do if I encounter an error while making a payment?

You may try again and if error is persistent, send an e-mail to info@homecredit.ph and include a screenshot of the error message.

How do I save a biller in My Home Credit app?

First, make sure that you have the latest version of the My Home Credit App. You have two easy options on how to save a biller.

A. Tap on the Save Biller "+" icon
  1. 1. Tap Pay Bills
  2. 2. Tap "+" to save a new biller shortcut
  3. 3. Search and select the biller name
  4. 4. Enter your billing details
  5. 5. Enter your preferred Biller Nickname and set your Payment Reminders (optional)
  6. 6. Tap "Save" to continue
B. Tick the Save Biller option
  1. 1. Tap Pay Bills
  2. 2. Select the Biller you want to pay
  3. 3. Enter you billing details
  4. 4. Tick the "save this biller for future payments" option
  5. 5. Enter your preferred Biller Nickname and set your Payment Reminders (optional)
  6. 6. Continue with confirming the payment
  7. 7. Transaction complete receipt will be available once successful
  8. 8. Tap "Close & Save" to completely save your favorite biller

Will the biller be saved if my pay bill transaction is not successful?

No, you should have a successful transaction & make sure to click "Close & Save" in transaction receipt in order to save the biller. You may also save the biller by tapping "+" icon at Pay Bills section located at the upper part of the screen.

How do I pay from a payment reminder notification?

From the My Home Credit App notification or message reminder in the app inbox , just click the "Pay My Bill" option, enter your bill amount, then proceed to your payment confirmation.

Will the bill payment reminder auto-deduct the amount from my Home Credit funds?

No, the notification is just a payment reminder that your biller is due based on the recurrence that you have entered when you first saved it. To proceed with the payment, just click the "Pay My Bill" option and proceed on the next steps.

When will I receive the bill payment reminder?

All payment reminders are sent via My Home Credit App notification and email every 6am of your preferred date.

How do I delete a saved biller?

To delete, select the saved biller, click the ellipsis at the upper right side for more option then select "Delete"

How do I change the details of my saved biller?

To edit, select the saved biller, click on the "pencil" icon on the specific account detail you want to update then edit. You may also click ellipsis for more options at the upper right, tap "Edit" then update specific details.

How many billers can I save?

You may save as many as biller as you want.

See more FAQs
Home Credit Philippines is regulated by the Bangko Sentral ng Pilipinas with contact number (02) 8708-7087 and with email address consumeraffairs@bsp.gov.ph