Sources: Bangko Sentral ng Pilipinas and provider disclosures, 2024–2025.
How the Philippines pays
The Philippines is a wallet market. GCash and Maya are on most smartphones and are how many Filipinos pay bills, send money and shop online, often ahead of any card they hold. Cash still matters too, through over-the-counter payment at 7-Eleven and payment centers.
The Bangko Sentral ng Pilipinas has built the rails underneath: InstaPay for real-time transfers, PESONet for batch transfers and the QR Ph national QR standard. For an enterprise merchant, the starting point is international card acquiring through our global gateways, with the wallets and local methods Filipinos use tracked as the way into the wider market, all behind one integration.
Why merchants run on us here
Card acquiring live today
International card acquiring for the banked, cross-border segment, with routing across acquirers and 3DS where it helps.
Wallets come first
GCash and Maya are how many Filipinos pay online, often ahead of any card they hold.
InstaPay and QR Ph
InstaPay moves money between banks and e-wallets in real time, and QR Ph puts it behind one national code.
Cash, over the counter
Over-the-counter payment at 7-Eleven and payment centers still serves shoppers who prefer cash.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Philippines
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Philippines like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Philippines today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Philippine peso (PHP) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Philippines?
Talk to our payments team about going live in Philippines — coverage, local acquiring, settlement and timelines for your business.