Payment gateways for Philippines.
GCash + PayMaya wallets are the default. COD remains common. Cards secondary.
🇵🇭 Philippines — what you need to know
GCash + PayMaya wallets are the default. COD remains common. Cards secondary.
Popular methods here: Local wallets · Cash on Delivery · Credit / Debit Cards · Bank transfer
🇵🇭 3 gateways in Philippines
Native-in-country gateways first
Xendit
NativeHQ Jakarta, Indonesia
SEA merchants — native wallet + bank transfer support for ID/PH/MY/TH
Supports
Integrates with
2C2P
HQ Singapore
Multi-country SEA merchants wanting one gateway for Thailand/Malaysia/Indonesia/etc.
Supports
Integrates with
Adyen
HQ Amsterdam, Netherlands
Enterprise + global merchants needing interchange-plus pricing at scale
Supports
Integrates with
Good to know
Not for small merchants — pricing benefits kick in above ~$100k/mo GMV.
Negotiate better rates — at volume, list prices are opening offers.
Above $50k/month in processing volume, every gateway negotiates. Book a call and I'll walk through which gateways to approach, what to ask for, and the ranges to target based on 500+ merchant negotiations.
Book a call · $29How this data is sourced + kept fresh
Rates, payment method availability, and country coverage are compiled from published rate cards as of 2026, cross-checked against what our clients actually pay. We refresh quarterly.
Rates are typical published figures. Your actual rate depends on volume, business category, and negotiation. Above $50k/month in GMV, expect 20-40% below list prices.
Not affiliate. We don't earn commission for gateway signups. Rankings are based on country-fit + payment method coverage, not sponsorship.
Questions about Philippines
People ask us these a lot.
What's the best payment gateway for Philippines ecommerce?+
For Philippines, the native gateways are typically your best starting point: Xendit. They have the strongest integrations with local payment methods (Local wallets, Cash on Delivery, Credit / Debit Cards) and fastest onboarding for local merchants. Cross-border merchants often layer a global gateway like Stripe on top for international card acceptance.
Which payment methods do Philippines buyers expect at checkout?+
GCash + PayMaya wallets are the default. COD remains common. Cards secondary.
How many gateways support Philippines?+
We track 3 major payment gateways available in Philippines: Adyen, Xendit, 2C2P. Use the tool above to filter by your platform (Shopify, WooCommerce, etc.) or by specific payment methods you must support.
Do international cards work in Philippines?+
Most gateways available in Philippines support international cards, but at higher rates — typically 1-1.5% above domestic. For cross-border revenue above 30% of your mix, pick a gateway with good international card handling (Stripe, Adyen, PayPal are strongest).
Navigating Philippines payments feels complex — because it is.
Book a 30-minute call and I'll walk through the gateway picks, platform integration, and negotiation approach specific to your Philippines business.
Book a call · $29