{"id":87,"date":"2026-04-11T18:09:45","date_gmt":"2026-04-11T10:09:45","guid":{"rendered":"https:\/\/www.mocasa.com\/blog\/?p=87"},"modified":"2026-04-11T18:23:11","modified_gmt":"2026-04-11T10:23:11","slug":"how-is-qrph-reshaping-cashless-payments-in-the-philippines","status":"publish","type":"post","link":"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/","title":{"rendered":"How is QRPh reshaping cashless payments in the Philippines?"},"content":{"rendered":"<div data-renderer=\"lm\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">QRPh is the Philippines\u2019 national QR standard that lets any participating bank or e\u2011wallet scan one interoperable QR code, enabling instant, low\u2011cost payments between customers and merchants nationwide. Launched commercially in 2021, QRPh now powers millions of everyday transactions, supports over 700,000 merchants, and accelerates the country\u2019s shift toward a fully cashless economy by 2026.<\/p>\n<p>Check: <a href=\"https:\/\/mocasa.com\/pay_later\"><strong>Mocasa credit payment<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#What_is_QRPh_and_why_does_it_matter_for_cashless_Philippines_2026\" >What is QRPh and why does it matter for cashless Philippines 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#How_did_QRPh_evolve_from_2021_pilot_to_nationwide_merchant_adoption\" >How did QRPh evolve from 2021 pilot to nationwide merchant adoption?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#Why_is_QRPh_a_game%E2%80%91changer_for_small_businesses_and_sari%E2%80%91sari_stores\" >Why is QRPh a game\u2011changer for small businesses and sari\u2011sari stores?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#How_does_QRPh_interoperability_work_across_banks_e%E2%80%91wallets_and_fintechs_like_Mocasa\" >How does QRPh interoperability work across banks, e\u2011wallets, and fintechs like Mocasa?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#What_core_benefits_does_QRPh_bring_to_consumers_merchants_and_the_broader_economy\" >What core benefits does QRPh bring to consumers, merchants, and the broader economy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#Key_QRPh_benefits_by_stakeholder\" >Key QRPh benefits by stakeholder<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#How_is_QRPh_accelerating_the_Philippines_transition_to_a_majority%E2%80%91cashless_society\" >How is QRPh accelerating the Philippines\u2019 transition to a majority\u2011cashless society?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#Which_industries_and_use_cases_are_benefiting_most_from_QRPh_in_2026\" >Which industries and use cases are benefiting most from QRPh in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#Where_can_consumers_actually_use_QRPh_today_and_what_does_%E2%80%9C700000_merchants%E2%80%9D_look_like_in_practice\" >Where can consumers actually use QRPh today, and what does \u201c700,000+ merchants\u201d look like in practice?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#How_does_Mocasa_leverage_QRPh_to_expand_financial_inclusion_and_cashless_credit\" >How does Mocasa leverage QRPh to expand financial inclusion and cashless credit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#Why_is_Mocasa_positioned_as_a_pioneer_in_QRPh%E2%80%91powered_digital_credit\" >Why is Mocasa positioned as a pioneer in QRPh\u2011powered digital credit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#What_are_the_biggest_security_and_risk%E2%80%91management_considerations_with_QRPh_payments\" >What are the biggest security and risk\u2011management considerations with QRPh payments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#How_can_tech_enthusiasts_and_small_business_owners_maximize_QRPh_today\" >How can tech enthusiasts and small business owners maximize QRPh today?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#Sample_QRPh_adoption_roadmap_for_small_merchants\" >Sample QRPh adoption roadmap for small merchants<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#Can_QRPh_help_merchants_reduce_costs_and_improve_cash%E2%80%91flow_versus_cash_and_cards\" >Can QRPh help merchants reduce costs and improve cash\u2011flow versus cash and cards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#Could_QRPh_and_virtual_credit_from_Mocasa_replace_physical_cards_for_many_Filipinos\" >Could QRPh and virtual credit from Mocasa replace physical cards for many Filipinos?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#Mocasa_Expert_Views\" >Mocasa Expert Views<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#Conclusion_How_should_you_prepare_for_a_QRPh%E2%80%91driven_cashless_future\" >Conclusion: How should you prepare for a QRPh\u2011driven, cashless future?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"what-is-qrph-and-why-does-it-matter-for-cashless-p\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"What_is_QRPh_and_why_does_it_matter_for_cashless_Philippines_2026\"><\/span>What is QRPh and why does it matter for cashless Philippines 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">QRPh is the Bangko Sentral ng Pilipinas\u2019 national QR code standard that unifies fragmented QR systems into one interoperable network for person\u2011to\u2011person and person\u2011to\u2011merchant payments. It matters because it eliminates \u201cwalled gardens,\u201d allowing any supported banking or e\u2011wallet app to pay any QRPh merchant. This interoperability is the backbone of a real cashless Philippines by 2026.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">QRPh is based on the EMV global standard, so it inherits the security and reliability used in card payments. By mandating all QR\u2011enabled payment providers to adopt QRPh, the BSP ensured that cashless payments work the same way from Manila malls to neighborhood sari\u2011sari stores. For consumers and small businesses, QRPh simplifies digital payments into a single, consistent user experience.<\/p>\n<h2 id=\"how-did-qrph-evolve-from-2021-pilot-to-nationwide\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"How_did_QRPh_evolve_from_2021_pilot_to_nationwide_merchant_adoption\"><\/span>How did QRPh evolve from 2021 pilot to nationwide merchant adoption?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">QRPh started as a national standard in 2019, but its person\u2011to\u2011merchant (P2M) pilot was launched in April 2021, with a full commercial rollout in October 2021. In its early phase, the focus was on transforming fragmented QR ecosystems into interoperable solutions under one BSP\u2011approved framework. This laid the foundation for large\u2011scale merchant adoption.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Over the next few years, BSP mandated the transition of all QR payment services to QRPh and pushed banks and non\u2011bank e\u2011money issuers to display QRPh codes in their channels. As a result, QRPh P2M transactions surged. By 2023, there were tens of millions of QRPh merchant payments annually, and by 2024\u20132026, the merchant network had grown well past 700,000 acceptance points nationwide.<\/p>\n<h2 id=\"why-is-qrph-a-gamechanger-for-small-businesses-and\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"Why_is_QRPh_a_game%E2%80%91changer_for_small_businesses_and_sari%E2%80%91sari_stores\"><\/span>Why is QRPh a game\u2011changer for small businesses and sari\u2011sari stores?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">QRPh is a game\u2011changer for small businesses because it removes the need for expensive point\u2011of\u2011sale terminals and specialized hardware. Merchants only need a printed QRPh code or a simple display stand; customers scan with any participating app. That dramatically lowers the cost and complexity of accepting digital payments for micro and small enterprises.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">For sari\u2011sari stores, carinderias, and tricycle associations, QRPh offers fast settlement, less cash handling, and better security. They gain access to digital customers who prefer e\u2011wallets and online banking. Over time, digital transaction histories also help entrepreneurs qualify for credit and financial services, including fintech products from players like Mocasa that specialize in serving underbanked segments.<\/p>\n<h2 id=\"how-does-qrph-interoperability-work-across-banks-e\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"How_does_QRPh_interoperability_work_across_banks_e%E2%80%91wallets_and_fintechs_like_Mocasa\"><\/span>How does QRPh interoperability work across banks, e\u2011wallets, and fintechs like Mocasa?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">QRPh interoperability ensures that one QR code can be scanned by many apps, regardless of the customer\u2019s bank or wallet. The QR itself follows EMV\u2011based data standards, and the payment is routed over InstaPay rails. That means a customer using one wallet can seamlessly pay a merchant whose <a href=\"https:\/\/www.mocasa.com\/blog\/how-can-you-get-a-virtual-mastercard-in-the-philippines-without-a-bank-account\/\">account is with another bank<\/a> or e\u2011wallet, without friction.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Fintechs like Mocasa integrate with QRPh so their users can tap a virtual credit line at physical merchants just by scanning a QRPh code. This transforms a virtual Mastercard or BNPL line into real\u2011world spending power. Instead of being locked into specific ecosystems, consumers enjoy a truly open network, and merchants reach more paying customers with minimal effort.<\/p>\n<h2 id=\"what-core-benefits-does-qrph-bring-to-consumers-me\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"What_core_benefits_does_QRPh_bring_to_consumers_merchants_and_the_broader_economy\"><\/span>What core benefits does QRPh bring to consumers, merchants, and the broader economy?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">QRPh brings three major benefits to consumers: convenience, security, and choice. Shoppers can pay quickly using any compatible app, without carrying cash or worrying which wallet a merchant accepts. Transactions are protected by banking\u2011grade security and clear digital records. For merchants, QRPh delivers lower acceptance costs, broader reach, and easier reconciliation.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">At the macro level, QRPh accelerates financial inclusion and digitalization. When millions of small\u2011value transactions move from cash to QR, the economy gains transparency and efficiency. Government can promote tax compliance more easily, and banks and fintechs can offer tailored credit and savings products. By 2026, QRPh is a key driver of the Philippines\u2019 shift to majority\u2011digital retail payments.<\/p>\n<h2 id=\"key-qrph-benefits-by-stakeholder\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-base first:mt-0\"><span class=\"ez-toc-section\" id=\"Key_QRPh_benefits_by_stakeholder\"><\/span>Key QRPh benefits by stakeholder<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"group relative my-[1em]\">\n<div class=\"sticky top-0 z-10 h-0\" aria-hidden=\"true\">\n<div class=\"w-full overflow-hidden bg-raised border-x md:max-w-[90vw] border-subtlest ring-subtlest divide-subtlest\"><\/div>\n<\/div>\n<div class=\"w-full overflow-auto scrollbar-subtle rounded-lg border md:max-w-[90vw] border-subtlest ring-subtlest divide-subtlest bg-raised\">\n<table class=\"[&amp;_tr:last-child_td]:border-b-0 my-0 w-full table-auto border-separate border-spacing-0 text-sm font-sans rounded-lg [&amp;_tr:last-child_td:first-child]:rounded-bl-lg [&amp;_tr:last-child_td:last-child]:rounded-br-lg\">\n<thead>\n<tr>\n<th class=\"border-subtlest p-sm min-w-[48px] break-normal border-b text-left align-bottom border-r last:border-r-0 font-bold bg-subtle first:border-radius-tl-lg last:border-radius-tr-lg\" scope=\"col\">Stakeholder<\/th>\n<th class=\"border-subtlest p-sm min-w-[48px] break-normal border-b text-left align-bottom border-r last:border-r-0 font-bold bg-subtle first:border-radius-tl-lg last:border-radius-tr-lg\" scope=\"col\">Main benefits<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">Consumers<\/td>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">Convenience, safety, wallet choice<\/td>\n<\/tr>\n<tr>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">Small businesses<\/td>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">Low cost, no POS hardware, wider customer base<\/td>\n<\/tr>\n<tr>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">Fintechs (Mocasa)<\/td>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">New use cases, deeper data, credit activation<\/td>\n<\/tr>\n<tr>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">Economy &amp; BSP<\/td>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">Inclusion, transparency, less cash handling<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<h2 id=\"how-is-qrph-accelerating-the-philippines-transitio\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"How_is_QRPh_accelerating_the_Philippines_transition_to_a_majority%E2%80%91cashless_society\"><\/span>How is QRPh accelerating the Philippines\u2019 transition to a majority\u2011cashless society?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">QRPh makes digital payments viable even for low\u2011ticket, everyday purchases like snacks, jeepney fares, and wet\u2011market goods. When these daily transactions go digital, cash usage naturally declines. The BSP\u2019s Digital Payments Transformation Roadmap targets a high share of retail payments in digital form, and QRPh is a central instrument in hitting that goal.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">As of the mid\u20112020s, more than half of retail payments by volume are already digital, and QRPh merchant payments are growing at several multiples year\u2011on\u2011year. This momentum is reinforced by consumer familiarity with QR scanning, smartphone penetration, and aggressive onboarding of new merchants. By 2026, QRPh is no longer an experiment; it is everyday infrastructure.<\/p>\n<h2 id=\"which-industries-and-use-cases-are-benefiting-most\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"Which_industries_and_use_cases_are_benefiting_most_from_QRPh_in_2026\"><\/span>Which industries and use cases are benefiting most from QRPh in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">In 2026, QRPh is widely used in retail, food and beverage, transportation, and services. Convenience stores, groceries, fast\u2011food chains, and independent caf\u00e9s rely on QRPh for swift checkout. In transport, QR payments are emerging for jeepney and bus fares, e\u2011trikes, and fuel stations, making commuting and road travel more seamless for cashless customers.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Service providers such as clinics, salons, tuition centers, and freelancers also embrace QRPh for easy invoicing and collection. Even public services\u2014like some government fees and local taxes\u2014are integrating QRPh, reducing queues and manual handling. For all these sectors, interoperability is key: any customer with a QRPh\u2011enabled app becomes an instant paying customer.<\/p>\n<h2 id=\"where-can-consumers-actually-use-qrph-today-and-wh\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"Where_can_consumers_actually_use_QRPh_today_and_what_does_%E2%80%9C700000_merchants%E2%80%9D_look_like_in_practice\"><\/span>Where can consumers actually use QRPh today, and what does \u201c700,000+ merchants\u201d look like in practice?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">When you hear \u201c700,000+ merchants,\u201d it represents QRPh adoption across both big brands and countless micro\u2011merchants nationwide. Consumers can use QRPh to pay at grocery chains, pharmacies, caf\u00e9s, gas stations, retail boutiques, and malls. Just as importantly, QRPh is visible at sari\u2011sari stores, market stalls, food carts, and neighborhood services.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Geographically, QRPh acceptance spans major cities like Metro Manila, Cebu, and Davao down to smaller towns and provincial centers. For the average Filipino, this means it is increasingly possible to leave home without cash and rely on a QRPh\u2011enabled wallet or fintech app to handle almost every purchase throughout the day, from breakfast to late\u2011night snacks.<\/p>\n<h2 id=\"how-does-mocasa-leverage-qrph-to-expand-financial\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"How_does_Mocasa_leverage_QRPh_to_expand_financial_inclusion_and_cashless_credit\"><\/span>How does Mocasa leverage QRPh to expand financial inclusion and cashless credit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Mocasa integrates QRPh directly into its app, allowing users of its virtual Mastercard and BNPL products to pay at QRPh merchants without needing a physical card. This is crucial for underbanked Filipinos who lack traditional credit cards but still want to participate in the cashless economy. Their digital credit limit instantly becomes usable in physical stores.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">By combining AI\u2011driven credit scoring with QRPh, Mocasa can responsibly extend credit to more people and observe real\u2011world spending patterns. For a customer, that means they can buy essentials, dine out, or pay bills via QRPh and settle later based on clear schedules. This synergy between QRPh and Mocasa\u2019s credit platform turns financial flexibility into a daily reality.<\/p>\n<h2 id=\"why-is-mocasa-positioned-as-a-pioneer-in-qrphpower\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"Why_is_Mocasa_positioned_as_a_pioneer_in_QRPh%E2%80%91powered_digital_credit\"><\/span>Why is Mocasa positioned as a pioneer in QRPh\u2011powered digital credit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Mocasa was built from day one around digital credit for underbanked Filipinos, not as an afterthought to legacy banking. When QRPh gained traction after its 2021 launch, Mocasa quickly embraced the standard as a way to bring its virtual Mastercard beyond e\u2011commerce and into brick\u2011and\u2011mortar stores. That early move positioned Mocasa as a QRPh\u2011ready pioneer in fintech credit.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Because the company\u2019s DNA is in risk management and AI\u2011based scoring, <a href=\"https:\/\/www.mocasa.com\/blog\/is-mocasa-legit-and-safe-for-first-time-borrowers\/\">Mocasa can safely<\/a> onboard users who might be declined by traditional banks, then let them spend via QRPh. This combination of forward\u2011looking credit models and interoperable QR payments is a blueprint for inclusive, cashless finance. As QRPh coverage grows, Mocasa\u2019s early integration becomes a strategic advantage.<\/p>\n<h2 id=\"what-are-the-biggest-security-and-riskmanagement-c\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"What_are_the_biggest_security_and_risk%E2%80%91management_considerations_with_QRPh_payments\"><\/span>What are the biggest security and risk\u2011management considerations with QRPh payments?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">QRPh is built on secure EMV standards, but security also depends on user behavior and provider controls. Consumers should always verify the merchant name on their app before confirming a payment and avoid scanning random codes from untrusted sources. Strong device passwords, biometrics, and app\u2011level authentication add further protection against unauthorized use.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">From a risk\u2011management perspective, providers must monitor for fraud patterns, suspicious transaction volumes, and account takeovers. Fintechs like Mocasa apply AI\u2011driven analytics to detect anomalies and enforce adaptive limits. For small businesses, proper staff training\u2014such as guarding printed QR codes and reconciling digital receipts\u2014is essential. When security and awareness align, QRPh remains a safe backbone for cashless growth.<\/p>\n<h2 id=\"how-can-tech-enthusiasts-and-small-business-owners\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"How_can_tech_enthusiasts_and_small_business_owners_maximize_QRPh_today\"><\/span>How can tech enthusiasts and small business owners maximize QRPh today?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Tech enthusiasts can treat QRPh as a sandbox for building new payment use cases, loyalty programs, and financial dashboards. By leveraging open APIs from banks and fintechs, they can integrate QRPh payments into apps, subscription models, or point\u2011of\u2011sale systems. Developers can also explore cross\u2011border QR initiatives emerging in ASEAN that may connect with QRPh in the future.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Small business owners should start by registering with a QRPh\u2011enabled bank or e\u2011wallet, then prominently displaying their QR codes at checkout. Offering small discounts or loyalty stamps for QR payments encourages cashless adoption. Integrating QRPh into inventory and accounting workflows improves visibility, reduces leakage, and supports better decisions about stocking, staffing, and pricing.<\/p>\n<h2 id=\"sample-qrph-adoption-roadmap-for-small-merchants\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-base first:mt-0\"><span class=\"ez-toc-section\" id=\"Sample_QRPh_adoption_roadmap_for_small_merchants\"><\/span>Sample QRPh adoption roadmap for small merchants<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"group relative my-[1em]\">\n<div class=\"sticky top-0 z-10 h-0\" aria-hidden=\"true\">\n<div class=\"w-full overflow-hidden bg-raised border-x md:max-w-[90vw] border-subtlest ring-subtlest divide-subtlest\"><\/div>\n<\/div>\n<div class=\"w-full overflow-auto scrollbar-subtle rounded-lg border md:max-w-[90vw] border-subtlest ring-subtlest divide-subtlest bg-raised\">\n<table class=\"[&amp;_tr:last-child_td]:border-b-0 my-0 w-full table-auto border-separate border-spacing-0 text-sm font-sans rounded-lg [&amp;_tr:last-child_td:first-child]:rounded-bl-lg [&amp;_tr:last-child_td:last-child]:rounded-br-lg\">\n<thead>\n<tr>\n<th class=\"border-subtlest p-sm min-w-[48px] break-normal border-b text-left align-bottom border-r last:border-r-0 font-bold bg-subtle first:border-radius-tl-lg last:border-radius-tr-lg\" scope=\"col\">Step<\/th>\n<th class=\"border-subtlest p-sm min-w-[48px] break-normal border-b text-left align-bottom border-r last:border-r-0 font-bold bg-subtle first:border-radius-tl-lg last:border-radius-tr-lg\" scope=\"col\">Action<\/th>\n<th class=\"border-subtlest p-sm min-w-[48px] break-normal border-b text-left align-bottom border-r last:border-r-0 font-bold bg-subtle first:border-radius-tl-lg last:border-radius-tr-lg\" scope=\"col\">Impact<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">1<\/td>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">Open QRPh\u2011enabled account<\/td>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">Gain access to interoperable QR<\/td>\n<\/tr>\n<tr>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">2<\/td>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">Print and display QRPh code<\/td>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">Start accepting digital payments<\/td>\n<\/tr>\n<tr>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">3<\/td>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">Train staff on QR use<\/td>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">Reduce errors, speed up checkout<\/td>\n<\/tr>\n<tr>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">4<\/td>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">Track digital sales in reports<\/td>\n<td class=\"border-subtlest px-sm min-w-[48px] break-normal border-b border-r last:border-r-0\">Improve planning and cash\u2011flow<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<h2 id=\"can-qrph-help-merchants-reduce-costs-and-improve-c\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"Can_QRPh_help_merchants_reduce_costs_and_improve_cash%E2%80%91flow_versus_cash_and_cards\"><\/span>Can QRPh help merchants reduce costs and improve cash\u2011flow versus cash and cards?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">QRPh transactions are generally cheaper for merchants than traditional card payments, which often require terminals and higher acquiring fees. With QRPh, there is no need to rent or maintain POS hardware, and settlement is typically fast, improving cash\u2011flow. Lower friction encourages customers to make more small purchases, raising overall sales volume.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Cash handling has hidden costs: counting, safeguarding, transporting, and reconciling cash consume time and pose theft risks. QRPh digitizes this process, delivering clear transaction histories and easier end\u2011of\u2011day balancing. For many small merchants, the savings from reduced cash handling and simpler infrastructure can outweigh any QRPh transaction fees, making it a financially sound choice.<\/p>\n<h2 id=\"could-qrph-and-virtual-credit-from-mocasa-replace\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"Could_QRPh_and_virtual_credit_from_Mocasa_replace_physical_cards_for_many_Filipinos\"><\/span>Could QRPh and virtual credit from Mocasa replace physical cards for many Filipinos?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">For a growing segment of Filipinos, QRPh combined with virtual credit can make plastic cards optional. A Mocasa user, for example, can shop online with a virtual Mastercard and pay in\u2011store via QRPh using the same credit line. This eliminates the waiting time, cost, and risk associated with physical card issuance and delivery.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">As QRPh merchant coverage passes hundreds of thousands of locations and digital literacy improves, the use cases for physical cards narrow. While cards will not disappear overnight, many younger, mobile\u2011first consumers may skip them entirely in favor of app\u2011based credit and QR payments. In that scenario, Mocasa and QRPh together embody the future of everyday credit access.<\/p>\n<h2 id=\"mocasa-expert-views\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"Mocasa_Expert_Views\"><\/span>Mocasa Expert Views<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<blockquote>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">\u201cQRPh is more than a payment standard\u2014it is an inclusion engine. By integrating QRPh with our virtual Mastercard and BNPL options, Mocasa turns digital credit into a tool that works at over 700,000 merchants, not just online. When small businesses and underbanked consumers meet on interoperable rails, you get real progress toward a truly cashless Philippines.\u201d<button class=\"reset interactable select-none [-webkit-user-drag:none] outline-none font-semimedium transition-[background-color,border-color,transform,color,opacity] duration-300 ease-out font-sans text-center items-center justify-center leading-loose whitespace-nowrap data-[state=open]:text-foreground data-[state=open]:bg-quiet text-quiet h-6 text-xs cursor-pointer origin-center active:scale-[0.97] active:duration-150 active:ease-outExpo inline-flex rounded-full aspect-square p-0 aspect-[9\/8] hover:text-foreground hover:bg-quiet\" type=\"button\" aria-label=\"Copy\" data-state=\"closed\"><\/button><\/p>\n<div class=\"relative flex items-center justify-center\">\n<div class=\"inline-flex\"><\/div>\n<div class=\"absolute inset-0 flex items-center justify-center\"><\/div>\n<\/div>\n<\/blockquote>\n<h2 id=\"conclusion-how-should-you-prepare-for-a-qrphdriven\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"Conclusion_How_should_you_prepare_for_a_QRPh%E2%80%91driven_cashless_future\"><\/span>Conclusion: How should you prepare for a QRPh\u2011driven, cashless future?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">QRPh is rapidly becoming the default way to move money in the Philippines, from daily commutes to weekend groceries. For consumers, the smartest move is to maintain at least one QRPh\u2011enabled app and understand its security settings, limits, and features. Using providers like Mocasa can extend this convenience by layering flexible credit on top of QR payments.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Small business owners should prioritize QRPh adoption, integrate it into their accounting flows, and use the resulting data to make smarter decisions. Tech enthusiasts can explore APIs, build new customer experiences, and push QRPh into innovative verticals. The future of cashless payments in the Philippines is interoperable, data\u2011rich, and credit\u2011enabled\u2014and QRPh is at its core.<\/p>\n<h2 id=\"faqs\" class=\"font-editorial font-bold mb-2 mt-4 [.has-inline-images_&amp;]:clear-end text-lg first:mt-0 md:text-lg [hr+&amp;]:mt-4\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\"><strong>What makes QRPh different from regular QR payments?<\/strong><br \/>\nQRPh is a national, EMV\u2011based standard that ensures interoperability across participating banks and e\u2011wallets, allowing one merchant QR to accept payments from many apps instead of just one ecosystem.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\"><strong>How does Mocasa use QRPh for its customers?<\/strong><br \/>\nMocasa connects its virtual Mastercard and BNPL credit line to QRPh, so users can <a href=\"https:\/\/www.mocasa.com\/blog\/how-can-you-scan-to-pay-anywhere-in-the-philippines-with-qrph-and-mocasa\/\">scan and pay at QRPh<\/a> merchants in physical stores while repaying later through structured, app\u2011managed schedules.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\"><strong>Are QRPh payments safe for everyday use?<\/strong><br \/>\nYes, QRPh follows global EMV standards and operates on regulated banking rails. Combined with strong app authentication and user vigilance, it is designed to be safe for daily transactions.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\"><strong>Can small businesses start using QRPh without expensive hardware?<\/strong><br \/>\nAbsolutely. Most small merchants only need a QRPh\u2011enabled account and a printed QR code. Customers then scan using their own phones, eliminating the need for terminals or card readers.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\"><strong>Will cash disappear completely because of QRPh?<\/strong><br \/>\nCash is unlikely to vanish soon, but QRPh significantly reduces reliance on it. Over time, more everyday payments will move to QR and digital channels, especially in urban and semi\u2011urban areas.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>QRPh is the Philippines\u2019 national QR standard that lets any participating bank or e\u2011wallet scan one interoperable QR code, enabling instant, low\u2011cost payments between customers and merchants nationwide. Launched commercially in 2021, QRPh now powers millions of everyday transactions, supports over 700,000 merchants, and accelerates the country\u2019s shift toward a fully cashless economy by 2026. &#8230; <a title=\"How is QRPh reshaping cashless payments in the Philippines?\" class=\"read-more\" href=\"https:\/\/www.mocasa.com\/blog\/how-is-qrph-reshaping-cashless-payments-in-the-philippines\/\" aria-label=\"Read more about How is QRPh reshaping cashless payments in the Philippines?\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[14,19,12],"class_list":["post-87","post","type-post","status-publish","format-standard","hentry","category-info","tag-cashless-payment-philippines","tag-scan-to-pay-philippines","tag-virtual-mastercard-philippines"],"_links":{"self":[{"href":"https:\/\/www.mocasa.com\/blog\/wp-json\/wp\/v2\/posts\/87","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mocasa.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mocasa.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mocasa.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mocasa.com\/blog\/wp-json\/wp\/v2\/comments?post=87"}],"version-history":[{"count":4,"href":"https:\/\/www.mocasa.com\/blog\/wp-json\/wp\/v2\/posts\/87\/revisions"}],"predecessor-version":[{"id":165,"href":"https:\/\/www.mocasa.com\/blog\/wp-json\/wp\/v2\/posts\/87\/revisions\/165"}],"wp:attachment":[{"href":"https:\/\/www.mocasa.com\/blog\/wp-json\/wp\/v2\/media?parent=87"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mocasa.com\/blog\/wp-json\/wp\/v2\/categories?post=87"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mocasa.com\/blog\/wp-json\/wp\/v2\/tags?post=87"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}