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Friday, March 29, 2024

Safe, cashless shopping with Home Credit’s QR Code Payment

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It’s time to wave goodbye to your wallets and say hello to digital payments!

In this era where convenience is king, this payment method is the newest way to go. Who needs cash if you can just bring your smartphone when going out and shopping? QR Code payments, in particular, allow us to do exactly that and with so much ease and convenience.

Now a huge part of the new normal, QR Code payments saw its popularity during the pandemic and Home Credit—a digital service provider and the first non-bank institution in the country to issue a credit card to its customers—extends this convenient payment method to its cardholders providing a fast, easy, and safe way to pay for pretty much anything.

With QR Codes being everywhere these days, it won’t be long until everyone is already using it in their daily financial transactions. That’s what Bangko Sentral ng Pilipinas (BSP) hopes to achieve by rolling out QR Ph P2M—the standard QR code payment system in the country.

Home Credit joins BSP’s national QR code system

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Home Credit has long been a frontrunner in QR Code payment realm, joining Bangko Sentral ng Pilipinas (BSP) with QR Ph P2M (or QR Ph for person-to-merchant).

Through BSP’s initiative, we can eliminate the need for cash because all we need is a payment app such as the My Home Credit App to scan the QR Ph P2M code placed at any participating merchant store or establishment.

Whatever shopping habits or priorities you have, there’s a reason for you to use QR Code payments. We have here a bunch of scenarios to help you decide to finally make the switch.

• Going out with your family. When dining out or shopping with your family, pay with QR Code using your own mobile device. This way you won’t need to touch shared surfaces like payment terminals or loose change. It’s a helpful tip so you can have less worries about catching the virus and more energy to enjoy your bonding time.

• Doing your rounds of groceries and essentials. Whether you are living alone or the one who usually runs errands for your family, you can do your rounds of groceries and essentials safely and conveniently by using QR Code payments. No more looking for an ATM to withdraw cash, just pay straight from your mobile phone!

• Be a sigurista. Want to see your transaction history? That’s easy with QR Code payments. Each transaction can be cross-checked with records from your My Home Credit App so you can track any fraudulent activity. By also seeing how much you spend monthly, it’s easier to budget your finances and ultimately, save money (that’s a tipid tip for you!).

• Feel secured. Rather than exposing your PIN or carrying cash with you, QR Code payments are way more secure. Since your payment data is encrypted within the app, you just need to scan the QR Code, and the payments will go straight from your account to the merchant’s account. Without sharing your sensitive account details, you can pay any time with complete peace of mind – a step safer from theft and fraud.

• Options, options, and more options. Now that QR PH P2M has been rolled out nationwide, you have a total of 30,000+ merchants available to transact with including supermarkets, restaurants, department stores, drug stores, and even wet markets. And they also regularly add merchants to the list, so you have more options to choose from!

• Buy now, pay later. Have a safe, cashless payment option for your buy now, pay later needs! Use your Home Credit Card or their newest buy now, pay later product Qwarta where you can enjoy instant approval of up to Php 10,000 spending limit to defer payments for items or services where QR Ph P2M is available. All transactions are automatically charged to either of the two so you have more options to buy the things you want and need.

Cash is over because your mobile phone has everything now. When going out, you can ditch your cash and still buy more by simply using your smartphones. Just download the My Home Credit App in Google Play Store to enjoy the perks and benefits of QR Code payments and pay for your shopping needs.

For the complete mechanics and more information, you may visit their website at www.homecredit.ph or follow them on www.facebook.com/homecreditph.

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