Updated 20 Oct 2026. For a line-by-line fee table checked against both pricing pages, see HitPay vs PayMongo.

Introduction

For Philippine SMEs, small differences in payment fees add up over a year. HitPay and PayMongo are two of the payment gateways businesses compare most. Both accept local payments in the Philippines and neither charges a setup or monthly fee, but they price methods differently and suit different sales mixes.

This guide covers HitPay's 2026 fees in the Philippines, how payouts work, and how to decide between the two. PayMongo publishes its own rates at paymongo.com/pricing; our HitPay vs PayMongo comparison puts both side by side.

HitPay Philippines fees in 2026

HitPay charges per successful transaction, with no setup or monthly fee. Rates exclude VAT.

In store, domestic cards are 3%, international cards 4%, QR Ph 1% or ₱20 (whichever is higher) and GCash 2%. Payment links, invoicing, the online store, POS and recurring billing add 0.2% per transaction, and the Shopify app adds 0.5%. The full list is on hitpayapp.com/ph/pricing.

PayMongo fees

PayMongo lists its rates, which it states exclude VAT, on its pricing page. Rates change, so we keep the current side-by-side figures, including where PayMongo is cheaper, on HitPay vs PayMongo rather than in this article.

Payouts

HitPay pays non-card methods (such as GCash and QR Ph) out in T+1 calendar day, online card payments in T+7 calendar days and in-person card payments in T+2 calendar days. Online and in-store sales sit in one dashboard with one payout.

Payment methods

HitPay accepts local and international Visa and Mastercard (charged in PHP), GCash, QR Ph, GrabPay, ShopeePay (online), UnionBank, InstaPay, PESONet, over-the-counter payments and BillEase, plus cross-border QR from customers in Singapore and Malaysia.

Which should you choose?

When HitPay makes sense

• You take larger card and QR Ph payments

• You sell in store and online and want one dashboard and one payout

• You sell to customers in Singapore or Malaysia

• You use Shopify, WooCommerce or Wix plugins

When PayMongo might be better

• Most of your sales are GCash, Maya or ShopeePay

• You take many small QR Ph payments

• You rely on online banking

Regulation and security

HitPay Payment Solutions Inc is BSP registered. HitPay is PCI DSS compliant and encrypts transactions.

Frequently Asked Questions

Which is better, PayMongo or HitPay?

Choose by what you sell. If you mainly take GCash, Maya or ShopeePay online, PayMongo’s published e-wallet rates are often lower. If you need cards online and in store, one dashboard for terminal plus online, and QR Ph with a clear 1% or ₱20 fee, HitPay is built for that. HitPay is BSP registered, accepts local and international cards (charged in PHP) and quotes fees excluding VAT. Online card payouts are T+7 calendar days, in-person cards T+2 and non-card methods T+1. Compare live fees on HitPay PH pricing and PayMongo pricing, and the side-by-side on HitPay’s payment gateway page.

What are PayMongo’s fees in the Philippines?

On PayMongo’s public pricing page (VAT-exclusive, checked 19 Oct 2026), online rates include QR Ph at 1.34%, GCash at 2.23%, Maya at 1.79%, GrabPay at 1.96% and ShopeePay at 1.70%. Card rates on PayMongo’s site are listed with per-method setup; for a side-by-side with HitPay (local cards, international cards and e-wallets), see the fee table on HitPay vs PayMongo vs Maya Business. Always confirm on paymongo.com/pricing.

What are HitPay’s fees vs PayMongo?

HitPay has no setup or monthly fee. On HitPay PH pricing (rates exclude VAT): online local cards 3% + ₱15, international cards 4% + ₱15, GCash 2.3%, QR Ph 1% or ₱20 (whichever is higher), GrabPay 2.2%, ShopeePay 2.5% (online). PayMongo is cheaper on most e-wallets; HitPay is typically lower on online cards and on in-store cards (HitPay domestic 3% / international 4% vs Maya Terminal’s published 3.50% in-store card rate on our comparison table). Full table: hitpayapp.com/ph/payment-gateway. HitPay is BSP registered.

What are HitPay's fees in the Philippines?

Online: local cards 3% + ₱15, international cards 4% + ₱15, GCash 2.3% and QR Ph 1% or ₱20, whichever is higher. Rates exclude VAT. The full list is on hitpayapp.com/ph/pricing.

Does HitPay charge setup or monthly fees?

No. HitPay has no setup or monthly fee; you pay per successful transaction.

How fast are HitPay payouts in the Philippines?

Non-card payments pay out T+1 calendar day, online cards T+7 calendar days and in-person cards T+2 calendar days.

Is HitPay registered with the BSP?

Yes. HitPay is BSP registered (Bangko Sentral ng Pilipinas). You can check the BSP's published registry of operators of payment systems.

Where can I compare HitPay and PayMongo fees line by line?

On hitpayapp.com/ph/hitpay-vs-paymongo, which shows both companies' published rates and where each one is cheaper.

Citations

• HitPay Philippines pricing

• PayMongo pricing