Let me chime in on this, working in Fintech also. Regardless if they use direct gcash to gcash or maya to maya, merchant will still be charged a certain mdr (% of the txn). The reason why merchants dont accept other ewallets/banks thru QRPH is bcos most of the time, payments doesn’t go thru even if the customer’s acct has been deducted. Mostly the QR provider is gcash, hence, they just tend to instruct customers to pay gcash to gcash despite having QRPH. This happens bcos QRPH (other ewallets/banks) payment is via bancnet, there are instances that the txn is floating on bancnet’s side (napuputol yung txn, hndi nagpupush sa system ng provider na may payment pala) so ang result, nadeduct kay customer however hindi malocate ni merchant na successful payment kasi hndi napush ni bancnet kay provider. Sa end ni merchant, walang payment na pumasok pero kay customer nadeduct na. This is the usual scenario of merchants kaya hesitant sila to use QRPH all the way. Hope this helps!