What if the merchant does not display a QR Ph code? 15 January 2025 03:44 Updated QR Ph can only be used with merchants who display a QR Ph code. If the merchant does not have a QR Ph code, please consider another payment method. Related articles What should I do if my QR Ph payment fails? Is it safe to use QR Ph with Atome Card? Where can I use QR Ph? How do I use QR Ph with my Atome Card? What is QR Ph?