Philippines
Best Online Payment Gateway in the Philippines for Merchants and Businesses
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Payment Gateways in Philippines
Best Payment Gateway Philippines
Below is our curated 2025 ranking of the leading payment gateways Philippines for merchants Philippines businesses can adopt — scored on local method coverage, fees, integration simplicity, and compliance — with full details in the following table. When shortlisting a payment service provider, check that it supports multiple payment methods without complicating setup; you’re selecting the best payment gateway only when you also choose the best payment gateway for your stack, look for gateways that offer responsive support and payment services in the Philippines, and prefer gateways that support multiple integrations. Ideally, pick a payment gateway that offers clear pricing and SLAs.
What Is a Payment Gateway in the Philippines?
Payments go through a secure tunnel that is referred to as a payment gateway, which transfers the payment information (your shopper’s payment details) between checkout and approval without revealing any card number or e‑wallet token that have been encrypted using the same PCI-DSS rules. In the payment system in the Philippines, gateways must additionally mesh with Bangko Sentral ng Pilipinas (BSP) rules, local wallets like GCash or Maya, QR Ph standards, and often over-the-counter payment networks for the still‑unbanked.
The type of service you select also stipulates how fast payments are made, the payment options you are able to support and the degree of height of cart-conversion. Put simply, a gateway moves data from checkout to your payment processor and must accept local payment methods, credit and debit cards, and even gcash payment when relevant. If you sell online, you need a payment gateway — ideally a secure payment gateway and a payment gateway for your online store that can also provide a hosted payment page and capture the payment methods your customers prefer. During checkout, make sure the customer enters their payment details once without friction.
When you evaluate potential partners, pay close attention to:
- Local-method support & QR Ph compliance. Include GCash, Maya, Dragonpay bank payment and installments options in a single API. Checkout gates with native QR Ph code issuance shorten the POS queues and fulfill BSP Circular 1055 with ease.
- Life time cost. Don’t stop at MDR. Compare cross-border surcharges, FX mark-ups, refund charges, rolling reserves and payout charges. Cash flow can be predicted with transparent dashboards that are crucial to SMEs.
- Velocity of on‑boarding & KYC. BSP needs to show evidence of business, yet gateways differ: some accept in 24 hours; and others in one week. Onboarding in a short period of time also enables startups to capture TikTok‑shop trends immediately.
- Settlement speed & liquidity. Standard timelines run T+1 to T+7. Faster payouts (or on‑demand for a fee) are lifesavers for inventory‑heavy sellers.
- Security & fraud tools. Look for PCI DSS L1 status, 3‑D Secure 2, machine‑learning scoring, and chargeback management portals to ensure secure payment processing and fewer disputes; also confirm the provider complies with payment card industry rules.
- Developer friendliness & plugins. Pre‑built Shopify, WooCommerce, and Magento modules cut dev costs. A clear REST JSON API and webhooks future‑proof against new channels (e.g., live‑stream carts) and fit well into online payment solutions.
- Scalability and Over the border. The moment you start shipping to another country Paypal, or tokenization of cards is a necessity. Select a gateway which can switch on additional currencies and payment types without re‑integration.
- Customer‑service SLAs. 24 × 7 chat, local Philippine phone support, and proactive incident dashboards reduce downtime headaches and improve the overall payment experience.
Choose the Best Payment Gateway | Ranking 2025
Beyond local heroes, merchants often bolt on global processors for exports. Here are ten worldwide heavy‑hitters that integrate smoothly with Philippine stores.
Paykassma
Paykassma
A-Pay
A-Pay
Interkassa
Interkassa
PayU
PayU
PayPal
PayPal
2Checkout
2Checkout
Stripe
Stripe
Flutterwave
Flutterwave
Razorpay
Razorpay
Paycos
Paycos
OdeonPay
OdeonPay
PayPal
PayPal gives Philippine merchants instant access to 430 M+ wallet users and 25+ settlement currencies, pairing global trust with PCI DSS L1 security.
| Feature | Description |
|---|---|
| Setup fee | None |
| Requirements | PH bank account & valid ID |
| Accepted payment methods | PayPal balance, Visa, Mastercard, AmEx, Discover, Pay Later |
| Countries available | 200+ |
| Supported currencies | 25+ |
| Setup feeNone | |
| RequirementsPH bank account & valid ID | |
| Accepted payment methodsPayPal balance, Visa, Mastercard, AmEx, Discover, Pay Later | |
| Countries available200+ | |
| Supported currencies25+ |
Pros
- Worldwide consumer recognition
- Code‑light, same‑day onboarding
- Strong seller‑protection policy
Cons
- Higher MDR than many peers
- Account reviews can freeze funds
- Limited local wallet options beyond PayPal balance
Stripe
Stripe, now ferrying 135+ currencies, Apple Pay, and the infamous developer friendly API, now makes live for Philippine entities.
| Feature | Description |
|---|---|
| Setup fee | None |
| Requirements | PH business registration & bank account |
| Accepted payment methods | Cards, Apple Pay, Google Pay, GrabPay, FPX, ACH, BNPL options |
| Countries available | 195 |
| Supported currencies | 135+ |
| Setup feeNone | |
| RequirementsPH business registration & bank account | |
| Accepted payment methodsCards, Apple Pay, Google Pay, GrabPay, FPX, ACH, BNPL options | |
| Countries available195 | |
| Supported currencies135+ |
Pros
- Flat, transparent pricing
- Modular product stack scales with you
- Rich ecosystem of third‑party extensions
Cons
- Occasional rolling reserves on new accounts
- Return of money has processing costs
- Low phone support restriction to select plans
2Checkout
The 2Checkout is designed to work with SaaS and cross-border sellers; it supports 45+ payment schemes and 100 currencies and has a hosted or API-based checkout.
| Feature | Description |
|---|---|
| Setup fee | None |
| Requirements | Completed KYC & live website |
| Accepted payment methods | Cards, PayPal, Skrill, Apple Pay, SEPA, local bank transfers |
| Countries available | 200+ |
| Supported currencies | 100+ |
| Setup feeNone | |
| RequirementsCompleted KYC & live website | |
| Accepted payment methodsCards, PayPal, Skrill, Apple Pay, SEPA, local bank transfers | |
| Countries available200+ | |
| Supported currencies100+ |
Pros
- Merchant‑of‑record option simplifies compliance
- No fees to set-up and no monthly charges
- Friendly plug and play to international accessibility
Cons
- Slightly higher per‑transaction fees
- Payouts default to T+7
- Support queues during peak seasons
PayU
PayU is an expert in emerging markets providing local cards, UPI, bank transfer, and BNPL, all in one contract.
| Feature | Description |
|---|---|
| Setup fee | None |
| Requirements | Business docs per market |
| Accepted payment methods | Cards, UPI, wallets, EMI, Apple Pay, Google Pay |
| Countries available | 50+ |
| Supported currencies | Multi‑currency (INR, USD, BRL, PHP via cross‑border) |
| Setup feeNone | |
| RequirementsBusiness docs per market | |
| Accepted payment methodsCards, UPI, wallets, EMI, Apple Pay, Google Pay | |
| Countries available50+ | |
| Supported currenciesMulti‑currency (INR, USD, BRL, PHP via cross‑border) |
Pros
- Region‑specific routing lifts approval rates
- Competitive pricing in growth markets
- Strong support for instalment payments
Cons
- Depending on the country, fee structure differs
- Customer-care may be delayed
- PH has poor support of native wallets
OdeonPay
OdeonPay collects 100+ local Asian options, e.g. PH banks and e‑wallets in a single low-weight API.
| Feature | Description |
|---|---|
| Setup fee | Not disclosed |
| Requirements | Contract & KYC review |
| Accepted payment methods | Bank transfers, e‑wallets, cash, cards, crypto |
| Countries available | 10+ Asian markets (incl. PH) |
| Supported currencies | PHP, USD, SGD, THB, more |
| Setup feeNot disclosed | |
| RequirementsContract & KYC review | |
| Accepted payment methodsBank transfers, e‑wallets, cash, cards, crypto | |
| Countries available10+ Asian markets (incl. PH) | |
| Supported currenciesPHP, USD, SGD, THB, more |
Pros
- Reach 2 B+ consumers across Asia
- Supports cash‑over‑counter and wallet rails
- Flexible settlement options
Cons
- Public pricing not disclosed
- Documentation less extensive than big incumbents
- Limited presence outside Asia
Interkassa
Interkassa with 10+ million transactions per month, 70+ ways and 100 currencies, Interkassa is also a flexible mid-market option.
| Feature | Description |
|---|---|
| Setup fee | None |
| Requirements | Standard KYC package |
| Accepted payment methods | Cards, SEPA, wallets, bank wires, crypto |
| Countries available | Europe, Asia, LatAm (PH friendly) |
| Supported currencies | 100+ |
| Setup feeNone | |
| RequirementsStandard KYC package | |
| Accepted payment methodsCards, SEPA, wallets, bank wires, crypto | |
| Countries availableEurope, Asia, LatAm (PH friendly) | |
| Supported currencies100+ |
Pros
- Fast T+1 settlements available
- Competitive ~2.5 % commission
- Broad geographic coverage
Cons
- Mark-up costs can be added on FX lengthy
- Ros can become heavy for newtards
- Poor global brand equity (No other than CIS/EU brand awareness)
Paykassma
Paykassma targets high‑risk and emerging‑market merchants with 100+ local rails and same‑day settlements.
| Feature | Description |
|---|---|
| Requirements | Enhanced due‑diligence pack |
| Accepted payment methods | UPI, bKash, JazzCash, cards, crypto, wallets |
| Regions served | Asia‑Pacific, Africa, LatAm |
| Supported currencies | 50+ |
| RequirementsEnhanced due‑diligence pack | |
| Accepted payment methodsUPI, bKash, JazzCash, cards, crypto, wallets | |
| Regions servedAsia‑Pacific, Africa, LatAm | |
| Supported currencies50+ |
Pros
- Accepts a wide risk spectrum
- Multi‑currency support out of the box
- Responsive account managers
Cons
- Certain features gated by country
- Higher base MDR on very‑high‑risk MCCs
- Limited public documentation
Paycos
Paycos excels at real‑time disbursements — ideal for gig‑economy and payout‑heavy business models.
| Feature | Description |
|---|---|
| Setup fee | None |
| Requirements | Merchant agreement & KYB |
| Accepted payment methods | Visa, Mastercard, e‑wallets, cash pick‑up, bank wires |
| Countries available | 150+ |
| Supported currencies | USD, EUR, RUB, PHP (via partners) |
| Setup feeNone | |
| RequirementsMerchant agreement & KYB | |
| Accepted payment methodsVisa, Mastercard, e‑wallets, cash pick‑up, bank wires | |
| Countries available150+ | |
| Supported currenciesUSD, EUR, RUB, PHP (via partners) |
Pros
- Real‑time transfers to 150+ countries
- Supports both pay‑ins and pay‑outs
- No upfront integration fee
Cons
- Pricing only via sales team
- Limited marketing documentation
- Smaller developer community
Flutterwave
| Feature | Description |
|---|---|
| Setup fee | None |
| Requirements | Business docs per region |
| Accepted payment methods | Cards, bank transfers, MPesa, USSD, PayPal (via integration) |
| Regions served | 33 African countries + US, EU; cross‑border into PH via global card rails |
| Supported currencies | 30+ |
| Setup feeNone | |
| RequirementsBusiness docs per region | |
| Accepted payment methodsCards, bank transfers, MPesa, USSD, PayPal (via integration) | |
| Regions served33 African countries + US, EU; cross‑border into PH via global card rails | |
| Supported currencies30+ |
Pros
- 30+ supported currencies
- Quick, no‑code sales tools
- Strong traction across Africa
Cons
- FX mark‑ups can rise on low‑volume merchants
- Some PH users report delayed support replies
- Limited local acquiring inside PH
FAQ
Which payment gateway is best in the Philippines?
PayPal and Stripe are still considered the best, all‑purpose pair, but local specialists such as PayMongo or Dragonpay often win on wallet coverage and over‑the‑counter payment support. To choose a payment gateway, compare each payment gateway service by fees, uptime, various payment rails, and different payment options. Look for gateways that are available in the Philippines and offer strong services in the Philippines plus a simple gateway for your online business and a wide range of payment choices.
What is the most used payment app in the Philippines?
GCash dominates day‑to‑day spending thanks to QR Ph and tens of millions of users. For customers in the Philippines, enabling gcash payment is frequently the preferred payment method; track the payment method used most by your audience to guide optimization.
What is an online payment Philippines?
It’s a secure flow that sends customer payment information from checkout to a payment processor and returns an approval code. In a modern digital payment system, this supports payment online and helps ensure a smooth payment while e‑wallets and online payment gateways encrypt data end‑to‑end.
What factors should I consider when selecting a payment gateway?
Prioritize payment card industry data security, reliability, and support. Always choose the right payment gateway, and if you need a payment gateway, make sure using a payment gateway won’t add friction. Favor providers with clear SLAs, digital payment solutions, and a clean hosted payment page.
What popular payment methods are available for online transactions in the Philippines?
Besides international cards, shoppers commonly use credit and debit cards, online bank transfers, GCash/Maya wallets, and cash at partner counters. Plan for payments in the Philippines with a variety of payment methods and different payment flows to match local habits.
How are transaction fees structured across different gateways?
Most providers combine a percentage with a fixed fee, plus FX, chargeback, and payout costs. Review what a payment gateway offers, prefer gateways that offer transparent pricing, and model totals across your range of payment scenarios so billing simplifies the payment process.
