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No need to pay in cash, no need to transfer to your ewallets

Even for in-store purchases, no need to pay in cash. Pay straight from your account using your China Bank Mobile Banking App.

Scan to Pay is a new feature on our app which allows you to pay for your purchases in retail outlets and sari-sari stores with a QR Ph code.

Simply scan the store's QR Ph Code using the China Bank Mobile App to pay from your account.

How does Scan to Pay work?

Quick Guide to your Transaction

Perform Scan to Pay by scanning the QRPh code

  1. Check if the store has a QRPh code
  2. Log in to the China Bank Mobile App
  3. Select Scan to Pay or Transfer on the side menu
  4. Scan the store's QRPh Code
  5. Input or verify the amount to be paid
  6. Review and confirm your transaction
  7. Input the One-Time Password (OTP) sent to your registered mobile number
  8. You will receive a notification of your successful Scan to Pay transaction

Perform Scan to Pay by importing the QR Ph Code image from device gallery

  1. Log in to the China Bank Mobile App
  2. Select Scan to Pay or Transfer on the side menu
  3. Click "Import from Gallery" if you have saved the store's QR Ph Code on your device
  4. Enter or verify the amount to be paid
  5. Review and confirm your transaction
  6. Input the One-Time Password (OTP) sent to your registered mobile number
  7. You will receive a notification of your successful Scan to Pay transaction

Frequently Asked Questions

How will I know if I can pay a merchant using Scan to Pay? 

Simply look for the QRPh code to know if a merchant accepts Scan to Pay payments.

Is there a minimum/maximum amount for each Scan to Pay transaction?

The minimum amount for each Scan to Pay transaction is Php1.00, while the maximum limit is Php50,000.00. The daily limit for Scan to Pay transactions is Php200,000.00 or 50 transactions, whichever comes first.

Is my Scan to Pay daily limit separate from my daily limit when transferring funds via InstaPay?

Yes. The Scan to Pay daily limit of Php200,000.00 is separate from the daily limit of Php250,000.00 when transferring funds to other banks via Instapay.

Is there a fee for Scan to Pay transactions?

This service is currently free of charge.

How will I know if the store has already received my payment?

The store should receive a real-time notification of the successful Scan to Pay payment.

Is there a cut-off time for Scan to Pay transactions?

There is no cut-off time for Scan to Pay transactions.
Scan to Pay is powered by InstaPay which is a service that is available 24/7.

What will I see on my transaction records?

Your account's transaction history will show MBK INSTAPAY TP2M [Merchant/Bank] as the transaction description. The transaction amount and the date of transaction will be indicated as well.

You will also receive a confirmation email for every successful transaction which will contain the following details:

  • Reference number
  • Transaction Date & Time
  • Source account
  • Merchant details (under Credit Account number)
  • Transaction Amount
My Scan to Pay transaction won't proceed. What should I do?

You might be encountering problems due to one of the following reasons:

  • The merchant's QR Ph Code is unreadable
  • Your China Bank Mobile App is not updated
  • Other BancNet-related issues

Make sure that your China Bank Mobile App is updated to the latest version. You may also call our Customer Contact Center at 888-55-888 or send an email to online@chinabank.ph to report the error.

I lost my connection after clicking submit. How will I know if my payment pushed through?

You should still receive an SMS notification if the transaction is successful. You can also check if transaction amount was debited from your account by logging in to the China Bank Mobile App and checking your account balance and transaction history.

I entered the wrong amount. Can I still cancel my Scan to Pay transaction?

Once you confirmed your transaction after entering the OTP, the payment may no longer be cancelled.
If you want to cancel your transaction, please coordinate first with the merchant where the transaction was made.
You may also call our Customer Contact Center at 888-55-888 or send an email to online@chinabank.ph to file a claim and provide the transaction details, subject for investigation with the merchant and the merchant's bank.

What should I do if my account was debited but the merchant did not receive a notification of my payment?

Delays in receipt of notification by the merchant may be due to network issues or delays in notification from the merchant's bank.
Check to confirm that your account was debited. Get details of the aborted transaction such as the amount, name and location of the merchant, date and time of the transaction.

You may call our Customer Contact Center at 888-55-888 or send an email to online@chinabank.ph to file a claim and provide the transaction details. Processing the reversal of the transaction between your bank and the merchant's bank may take a few days.
Check on your account from time to time if the reversal has been made.

What should I do if my account was debited twice or more with the same transaction?

You may call our Customer Contact Center at 888-55-888 or send an email to online@chinabank.ph. to file a claim. Please provide complete transaction details. Please note that this is subject to investigation with the merchant and the merchant's bank. Processing the reversal of the transaction between China Bank and the merchant's bank may take a few days. Check on your account from time to time if the reversal has been made.

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