Set Up Virtual Collection (Static QR)

A Funding Method is a persistent collection method attached to an account — a static QRPH code and/or virtual account number that remains active until you archive it. Use this for:

A merchant's permanent QR code displayed at their counter
A subscriber's persistent billing QR (same code every month)
A kiosk's embedded QR printed on the machine

Unlike Payment Intents (single-use, exact amount), Funding Methods accept any amount from any payer at any time.

Prerequisites

A merchant and account already created (Wallet Structure)
Sandbox credentials from /sandbox

Step 1: Create a Funding Method

cURL
Node.js
Python

curl -u "YOUR_CLIENT_ID:YOUR_CLIENT_SECRET" \
  -X POST "https://api.partners.nextpay.world/v2/accounts/acct_01HXYZ/funding-methods" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "qrph",
    "external_id": "merchant-store-qr"
  }'

const response = await fetch(
  'https://api.partners.nextpay.world/v2/accounts/acct_01HXYZ/funding-methods',
  {
    method: 'POST',
    headers: {
      'Authorization': 'Basic ' + Buffer.from('YOUR_CLIENT_ID:YOUR_CLIENT_SECRET').toString('base64'),
      'Content-Type': 'application/json',
    },
    body: JSON.stringify({
      type: 'qrph',
      external_id: 'merchant-store-qr',
    }),
  }
);

const fundingMethod = await response.json();

import requests
import base64

credentials = base64.b64encode(b'YOUR_CLIENT_ID:YOUR_CLIENT_SECRET').decode()

response = requests.post(
    'https://api.partners.nextpay.world/v2/accounts/acct_01HXYZ/funding-methods',
    headers={
        'Authorization': f'Basic {credentials}',
        'Content-Type': 'application/json',
    },
    json={
        'type': 'qrph',
        'external_id': 'merchant-store-qr',
    }
)

funding_method = response.json()

Response

{
  "id": "fm_01HXYZ",
  "account_id": "acct_01HXYZ",
  "type": "qrph",
  "status": "active",
  "external_id": "merchant-store-qr",
  "qr_code": "00020101021226...",
  "qr_image_url": "https://api.partners.nextpay.world/v2/accounts/acct_01HXYZ/funding-methods/fm_01HXYZ/qr",
  "bank_account": {
    "bank_name": "NextPay Partner Bank",
    "account_number": "8823456789",
    "account_name": "NextPay OPC"
  },
  "created_at": "2025-11-15T10:00:00Z"
}

Key fields:

qr_code — raw QRPH payload string
qr_image_url — pre-rendered QR image
bank_account — the virtual account number for bank transfer deposits (issued by one of NextAPI's partner banks)

Step 2: Display or print the QR

For a merchant counter display:

<img src="https://api.partners.nextpay.world/v2/accounts/acct_01HXYZ/funding-methods/fm_01HXYZ/qr"
     alt="Scan to pay"
     width="300" height="300" />
<p>Or transfer to partner bank account: 8823456789</p>

For a kiosk or printed material, download the QR image and embed it in your design. The QR is standard QRPH format compatible with all Philippine bank and e-wallet apps.

Step 3: Handle incoming payment webhooks

When someone pays via this Funding Method, NextAPI sends a funding_method.paid event:

app.post('/webhooks/nextapi', express.raw({ type: 'application/json' }), (req, res) => {
  const signature = req.headers['x-nextpay-signature'];

  if (!verifySignature(req.body, signature, process.env.WEBHOOK_SECRET)) {
    return res.status(401).send('Unauthorized');
  }

  const event = JSON.parse(req.body);

  if (event.type === 'funding_method.paid') {
    const { funding_method_id, account_id, amount, payer_reference } = event.data;

    // For static QRs, you may need to match by amount or payer_reference
    // to know which subscriber or transaction this corresponds to
    await handleIncomingPayment({
      fundingMethodId: funding_method_id,
      accountId: account_id,
      amount,
      payerReference: payer_reference,
    });
  }

  res.status(200).send('OK');
});

Matching payments to invoices

Unlike Payment Intents (which carry your external_id), static Funding Methods accept any payment. Use the amount and payer_reference fields in the webhook payload to match incoming payments to specific invoices or subscribers in your system.

Step 4: List and manage Funding Methods

List all Funding Methods for an account:

curl -u "YOUR_CLIENT_ID:YOUR_CLIENT_SECRET" \
  "https://api.partners.nextpay.world/v2/accounts/acct_01HXYZ/funding-methods"

Get a specific Funding Method by external ID:

curl -u "YOUR_CLIENT_ID:YOUR_CLIENT_SECRET" \
  "https://api.partners.nextpay.world/v2/accounts/acct_01HXYZ/funding-methods/external/merchant-store-qr"

Archive a Funding Method (stops accepting new payments):

curl -u "YOUR_CLIENT_ID:YOUR_CLIENT_SECRET" \
  -X POST "https://api.partners.nextpay.world/v2/accounts/acct_01HXYZ/funding-methods/fm_01HXYZ/archive"

Funding Method vs Payment Intent: when to use which

	Funding Method (static)	Payment Intent (dynamic)
QR type	Static — same code always	Dynamic — new code per transaction
Amount	Any amount from payer	Exact amount specified by you
Reuse	Permanent (until archived)	Single-use
Use case	Counter QR, kiosk, recurring billing	Checkout, invoice, one-time collection
Payment matching	Match by amount or payer reference	Matched via `external_id`

→ See Collections Lifecycle for the full state machine comparison.

Prerequisites​

Step 1: Create a Funding Method​

Response​

Step 2: Display or print the QR​

Step 3: Handle incoming payment webhooks​

Step 4: List and manage Funding Methods​

Funding Method vs Payment Intent: when to use which​

Related​