What Payment Gateway to use in the Philippines

Xendit

We love Xendit because it's easy to integrate with various online platforms. It also has low transaction fees. Plus, it allows us to offer our customers a PayLater option.

Xendit accepts:

Credit Cards (JCB, Mastercard, Visa)

3.2% + ₱10 for Local cards
4.2% + ₱10 Internationally-issued cards charged in PHP
4% + $1 All cards charged in USD

Direct Debit (BPI, UnionBank)

Accept payments easily by pulling funds directly from your customer’s bank account.

₱15 or 1% whichever is higher

eWallets

2.3% Gcash
2.0% Grabpay
1.8% Maya
2.0% ShopeePay

Over-the-Counter​

Your customers can easily pay with cash over the counter nationwide via 7-Eleven stores.

₱15 or 1.5% whichever is higher 7-Eleven
₱25 Cebuana, LBC, RD Pawnshop
1.5% ECPAY
₱25 ECPAY (Lending or Loan payments)
₱20 CVM, M Lhullier, Palawan, USSC

PayLater

Allow your customers to buy now and pay later in 30 days or in installments.

1.5% Billease
1.6% Cashalo

Paymongo

We love Paymongo because they're constantly developing new features like their Checkout Page that allows you to design your own payment page without needing a website.

Paymongo accepts:

Credit Cards (Mastercard, Visa)

3.5% + ₱15 for Local cards
4.5% + ₱15 Internationally-issued cards

eWallets

2.5% Gcash
2.2% Grabpay
2.0% Maya

Direct Debit (BPI)

Accept payments easily by pulling funds directly from your customer’s bank account.

₱15 or 0.8% whichever is higher

Over-the-Counter​

Your customers can easily pay with cash over the counter nationwide via 7-Eleven stores.

1.5% (₱10 minimum) 7-Eleven, M Lhuilleir, Cebuana, CoinsPH