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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. Tap the ‘Scan’ button in the Home Credit mobile app’s dashboard. 2. Scan the store’s QR Ph compliant code. 3. Input the original amount of your purchase. 4. Tap the ‘Continue’ button. 5. In the ‘Review Payment’ screen, select the payment method you would like to use. 6. Review the payment summary. 7. Tap the ‘Confirm Payment’ button. 8. Enter the 4-digit PIN of your My Home Credit App. 9. Present the ‘Transaction Complete’ message to the store as a receipt of your transaction.

Our partner stores would either have the Home Credit or the AUB Paymate QR standee. 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!

There are several reasons why a transaction fails. Please take a screenshot of the error and send this to info@homecredit.ph, together with your 10-digit loan account number so we can check on this right away.

You can redeem rebates which can be used as a credit on your account and will be deducted from your balance in your next monthly billing statement. Rebates are not convertible to cash.

You may coordinate with the partner store for a refund request, or fill out our Dispute Form which can be downloaded [here](https://hcphprodwebrevamp.blob.core.windows.net/hcph-website/assets/2022_10_17_Credit_Card_Dispute_Form_for_Project_8_9d25d04abc.pdf). Then, send it to disputeresolution@homecredit.ph together with all the supporting documents relating to the request.

You may coordinate with our Customer Service team by contacting them at (02) 8424 6611 or (02) 7753 5711. The following information will be required to process your request: - Transaction Date - Transaction Reference No. - Customer Name - Customer Account No. - Merchant Name - Merchant Branch or Location - Transaction Amount - Item/s Purchased - Dispute Reason - Dispute Date Additional information you may provide are: - Compelling evidences of merchant invalidating the transaction - Front-liner/Staff Name - Acquirer's Name (whether the QR Ph scanned is from Maya, GCash, etc.)

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.

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 and Home Credit Qwarta.

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.

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.

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.

To start using HCPay QR for your purchases, 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.

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.

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.

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., Maya, Gcash, BDOPay, AllBank, and others, for as long as it 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. Click [here](https://www.youtube.com/watch?v=z4Vw22yXAvg) to check how to process QR PH Transaction.

QR Ph is currently available in 30k shops from 20k merchants. The following are the 12 participating institutions: 1. Unionbank 2. Maya 3. BDO 4. Landbank 5. Chinabank 6. RCBC 7. Robinsons Bank 8. AllBank 9. Cebuana Lhuillier 10. Starpay 11. USSC Money Transfer 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.

Yes, every merchant has its unique QR code.

Customers may provide to the store staff the Transaction Reference No. from the e-receipt generated in My Home Credit mobile app. This information will then be used to match it against the notification they will receive from their Acquiring Bank (e.g., Maya, GCash, etc.) to validate the transaction.

Some QR Ph codes that are out in the market are not yet ready to accept payments from third-party payment issuers like Home Credit. You may try scanning other QR Ph codes such as the ones from AUB, Maya, All Bank and others.

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. Tap the ‘Scan’ button in the Home Credit mobile app’s dashboard. 2. Scan the partner store’s Home Credit QR code. 3. Input the original amount of your purchase. 4. Tap the ‘Continue’ button. 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. Review the payment summary. 7. Tap the ‘Confirm Payment’ button. 8. Enter the 4-digit PIN of your My Home Credit App. 9. Present the ‘Transaction Complete’ message to the store as a receipt of your transaction.

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.Tap the ‘Scan’ button in the Home Credit mobile app’s dashboard. 2.Scan the partner store’s Home Credit QR code. 3.Input the original amount of your purchase. 4.Tap the ‘Continue’ button. 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.Review the payment summary. 7.Tap the ‘Confirm Payment’ button. 8.Enter the 4-digit PIN of your My Home Credit App. 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 [here](/pay-with-home-credit/qwarta).

Customers must present to the store the e-receipt generated in My Home Credit mobile app as proof of the successful transaction. The receipt shall be inspected by the store staff to confirm the following information: - Transaction Date - Transaction Status - Transaction Reference No. - Store Name - Amount - Payment Method If the store would like to further verify the transaction, they may validate it in Home Credit's merchant platform known as "Partner Central". If the store does not have access to this, we recommend coordinating to their assigned Account Owner.

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 and Qwarta's credit limit or remaining balance.

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 or Qwarta dashboard which also includes information such as your available credit limit, list of transactions, etc.

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 or Qwarta dashboard.

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 or Qwarta dashboard. If the payment was unsuccessful, you may still try using your Home Credit Card through our POS terminal.

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.

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

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.

Resolution time depends on the concern. However, we are committed to resolving your claim as fast as we can and not exceeding 90 days.

You will not be charged for any invalid disputes.