apayAccept payments in the Philippines
Cards, GCash, Maya, bank transfers and over-the-counter cash for the Philippines, where wallets and transfers matter more than cards.
Payment methods your customers use
One checkout shows the right methods for the Philippines. Add or remove methods per processor in the dashboard; nothing changes in your code.
| Method | Type | In the checkout |
|---|---|---|
| Visa, Mastercard, JCB | card | Card form with 3-D Secure |
| GCash | e-wallet | The most used wallet; redirect to the GCash app |
| Maya | e-wallet | Redirect |
| GrabPay | e-wallet | Redirect |
| Bank transfer (InstaPay, PESONet) | real-time and batch transfer | Virtual account or reference, confirmed by webhook |
| Over the counter (7-Eleven, Cebuana, M Lhuillier) | cash | Reference code, paid in store |
Processors and partners
Routed by apay for the Philippines:
A Philippine banking-as-a-service bank is in discussion for virtual accounts, InstaPay and PESONet disbursements and cards.
What to know
- Currency PHP, amounts in centavos.
- GCash and bank transfers usually beat cards on conversion; show them first.
- Payouts to Philippine bank accounts and wallets are available through the same partners.
- Settlement typically T+3 to T+5 depending on the method.
Questions
Can I accept GCash through apay?
Yes. GCash is offered through the Philippine processors apay connects to. The customer is redirected to the GCash app and apay confirms by webhook.
Do you support virtual accounts in the Philippines?
Yes, through processors today and through a partner bank once that integration is live.
Can I pay out to GCash and bank accounts?
Yes, disbursements to bank accounts and wallets are available through the same partners.