I paid for my coffee but was charged a fee, I thought payment to merchants are free?

Payments done via Instapay's P2M (Pay to Merchant) and P2B (Pay to Biller) are still free. That means you can shop, dine, and pay your bills free of charge with QRPH participating merchants and billers. Some stores use personal QRs for their transactions -- like when you pay for your coffee and the recipient's name on the QR is a person's name and not the store's name. These count as person-to-person transfers which have a P8 fee.