GCash, Maya and QR Ph explained — and how to pay for an errand
Ever scanned one QR code and watched GCash, Maya and your bank all read it? Here is how e-wallet payments actually work in the Philippines — and how to use them to pay for an errand safely.
Bisaya: GCash, Maya ug QR Ph: unsa ni sila, luwas ba, ug unsaon pagbayad sa lakaw.
Tagalog: GCash, Maya at QR Ph: ano ang mga ito, ligtas ba, at paano magbayad ng lakad.
What is GCash?
GCash is the Philippines’ most widely used e-wallet — an app that holds money (your “wallet”) so you can send and receive cash, pay bills, buy load, shop online, and pay a store by scanning a QR code. You add money (“cash in”) at a bank, a 7-Eleven, a padala or remittance outlet, or over the counter, and spend it straight from the app. No physical card is needed to pay.
What is Maya?
Maya (formerly PayMaya) is another major Philippine e-wallet that does the same everyday jobs — hold money, send and receive, pay bills, buy load, and pay by QR. GCash and Maya are competitors, but for paying a person or a store they work the same way, so you can use whichever one you already have money in.
What is QR Ph, and why it matters
QR Ph is the Philippines’ national QR-code standard, set by the Bangko Sentral ng Pilipinas (BSP). Its point is simple: one QR code works across every bank and e-wallet that joined it. So a QR Ph code can be paid with GCash, Maya or a bank app — the payer does not need the same app as the person being paid. When you see a QR Ph code, any of your apps with money in it can scan and pay.
GCash or Maya — which should you use?
For paying, it does not matter: pick the app you already have cash in. Many Filipinos keep both — one for salary or bills, another for everyday spending. If a QR is QR Ph (most are now), either app pays it. If it is an app-only QR (a plain GCash-to-GCash code, say), use that app. When in doubt, the QR Ph logo on the code tells you any app will do.
Is it safe to pay by GCash or Maya?
E-wallets are safe when you keep the basics: never share your OTP (the one-time code texted to you) or your MPIN with anyone — GCash, Maya and legitimate sellers will never ask for them. Before you tap pay, check the name and the amount on the screen. Treat “you won, send a fee first” messages as scams. These habits protect you anywhere you pay, not just on HazzaHub.
Paying for a HazzaHub errand
On HazzaHub you have two ways to pay. E-wallet: scan a QR Ph code with GCash, Maya or your bank app. Cash on hand: pay your Hopper at the gate. You choose when you pick your Hopper.
Why E-wallet is extra safe here (money held)
When you pay a HazzaHub errand by E-wallet, the money is held and released to your Hopper only when you give the gate code at hand-over — so you are never paying for something that has not been done. Cash on hand is simply paid at the gate.
What you pay
You set the price. The app suggests ₱20 for an errand inside your own barangay and ₱30 to another barangay, each covering the first 3 km of road, then ₱22 per km by day (₱27 per km from 6 pm to 6 am). Customers pay no booking fee. For a pabili, the items are paid at cost on top of your price. Credits in your HazzaHub balance count one-for-one as pesos, and every errand keeps its own receipt in the app.
More: Questions and answers
Become a Hopper: earn doing errands in your barangay
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