Pay InstaPay codes without a Filipino bank

Yes. Moreta pays InstaPay codes from a wallet you fund with your own bank or card at home, so you don’t need a Filipino bank account.See how it works

Not on its own. A InstaPay code is paid from a local bank or wallet app, not tapped like a card, so a card from home has nothing to pay it with. Add money to Moreta with your card, Apple Pay or Google Pay instead, then scan the code and pay from your Moreta balance.

Download Moreta, verify with your passport and a selfie, and add money from your bank or card. At the counter, tap Scan, point your camera at the InstaPay code, check the amount in Philippine peso and slide to pay.

One 1.5% fee per payment, at the live rate at the moment you pay. The app shows the exact cost in your own currency, fee included, before you confirm. Adding money has its own fee depending on how you top up; every fee is on the Fees page.

No. The payment reaches the merchant’s account the same way a local customer’s does, so they don’t sign up for anything or change how they take payments.

Yes. The app needs mobile data or Wi-Fi at the moment you scan and pay. A local SIM or an eSIM is all it takes.

Get the whole code in the frame and turn on the torch if it’s dark. If it still won’t read, check it’s a payment code rather than a loyalty or app-download code, and message us in the app so we can look at it with you. A little Philippine peso in cash covers the odd stall that only takes notes.

Moreta Global Inc. is registered with FinCEN as a money services business. Your funds sit with licensed partner banks, bank links go through Plaid so we never see your login, and every payment waits for you to slide to confirm.

InstaPay is the real-time transfer system, and QR Ph is the QR code standard that runs on it. When you pay a QR Ph code with Moreta, the payment travels the InstaPay way and the merchant sees it straight away.