What It Means
- LandBank government payment fees on QRPh-based person-to-government transactions are waived from June 1 to December 31, 2026, covering taxes, permits, clearances, and other public dues.
- The zero-fee policy applies only to transactions completed through LandBank Link.BizPortal using the QRPh option, QRPh standees at participating offices, and government agency websites where QRPh via Link.BizPortal is selected.
- Payment channels outside QRPh are not covered. Fees from private processors or service providers still apply on those channels.
- The move is part of the Marcos administration’s UPLIFT program and follows LandBank’s May 21 reduction of InstaPay transfer fees from ₱15 to ₱8.
- Businesses and individuals who currently pay government fees through third-party facilitators are absorbing unnecessary transaction costs that the QRPh channel now eliminates.
LandBank is not charging fees on select government transactions for the rest of 2026. Starting June 1 and running through December 31, the state-run bank is implementing zero-fee processing on eligible person-to-government payments made through QRPh, the national QR payment standard supervised by the Bangko Sentral ng Pilipinas.
For business owners, MSMEs, and individuals who regularly pay police clearances, real property taxes, business permits, apostille certificates, and other government dues, the change is immediate and concrete. LandBank government payment fees on covered transactions are now zero, as long as the payment is made through the right channel.
That qualifier matters. The zero-fee structure is channel-specific.
What the Waiver Actually Covers
The fee waiver applies to three specific payment paths. First, payments made through LandBank Link.BizPortal when QRPh is selected as the payment option. Second, payments made by scanning QRPh standees physically installed at participating government offices. Third, payments made through a government agency’s own website where Link.BizPortal via QRPh has been integrated as the payment channel.
Covered institutions include national government agencies, government-owned and controlled corporations, local government units, water districts, and state universities and colleges. The list of participating institutions is not exhaustive across all LGUs and agencies, so the practical scope depends on whether the specific office you are paying has enrolled in the QRPh payment system.
What is not covered: any payment channel outside QRPh. If you pay through a private aggregator, over-the-counter at a payment center, or through a non-QRPh digital option, LandBank government payment fees on those routes are outside the waiver. The bank was clear that charges imposed by merchants or other service providers will still apply.
The Practical Shift for MSME Operators
Small business owners dealing with recurring government transactions stand to benefit most. A business renewing permits for multiple locations, paying property taxes on commercial real estate, or processing clearances for employees can accumulate significant convenience fees over a year. Private payment facilitators typically charge between ₱10 and ₱25 per transaction for government payment processing. At volume, that adds up.
The zero-fee window on LandBank government payment fees runs seven months. For a business averaging five to ten government-related transactions per month, the savings at current private-channel rates are not dramatic individually, but they are real and recurrent.
The requirement is straightforward: pay through Link.BizPortal using the QRPh option, or scan the QRPh standee at the relevant government office. Non-LandBank account holders can access Link.BizPortal, though enrollment is required. The platform supports payment from LandBank accounts as well as other bank accounts and e-wallets through QRPh interoperability.
To be clear on scope: only transactions that qualify as LandBank government payment fees under the P2G QRPh structure are covered. Bills paid to private merchants or biller aggregators outside that channel remain subject to their own fee schedules.
Where This Fits in LandBank’s Recent Moves
This fee waiver does not stand alone. On May 21, 2026, LandBank cut its InstaPay transfer fee for person-to-person transactions from ₱15 to ₱8, while adding one free daily transfer for transactions worth ₱1,000 and below. The P2G fee waiver announced June 1 was already signaled in that earlier announcement, with LandBank confirming the P2G zero-fee rollout was imminent.
The sequencing is a coordinated push, not two isolated announcements. LandBank’s full-year 2025 net income came in at ₱43.98 billion, a 24 percent increase year-on-year. The bank has the financial footing to absorb the revenue impact of reduced LandBank government payment fees without operational strain.
Finance Secretary and LandBank chair Frederick Go framed the move under the UPLIFT program, the Marcos administration’s whole-of-government response to rising costs. The context is relevant because it signals that the zero-fee policy has executive-level backing, which increases the probability of renewal or extension beyond December 31 if transaction volumes and public uptake are strong.
The December 31 Expiry and What Happens After
The waiver has a hard end date. LandBank government payment fees on QRPh P2G transactions return after December 31, 2026, unless the bank announces an extension or a permanent rate change.
That expiry date is the part worth watching. The BSP has separately expressed its push to remove electronic fund transfer fees on small-value transactions as part of its broader cash-lite economy agenda. If QRPh P2G adoption accelerates during this seven-month window and the BSP formalizes a zero or near-zero fee mandate for government payment rails, the current waiver becomes the baseline rather than the exception.
For now, the waiver is temporary. Business operators who want to take advantage of zero LandBank government payment fees should confirm whether their target government agencies are enrolled in QRPh via Link.BizPortal before assuming the waiver applies to their specific transactions. A quick check on the agency’s website or LandBank’s Link.BizPortal merchant directory will confirm coverage.
The cost of transacting with government digitally is moving lower, and the state bank is the vehicle driving it. Whether private payment facilitators adjust their pricing in response or hold their fee structures as QRPh adoption grows is a question that will clarify over the second half of 2026.
More developments that reshape the operating environment in National Signal section of Hemos PH.
