Philippines · checked 18 Oct 2026
Worked example (published rates)
| HitPay | Maya Terminal | |
|---|---|---|
| ₱3,000 domestic card in store | ₱90.00 (₱96.00 via HitPay POS) | From ₱105.00 |
| Hardware, first 12 months | PHP 10,500 (excl. VAT), one-time | ₱949 × 12 = ₱11,388 (subscription) |
Maya figures are its published starting rates. Whether its subscription includes the device or a contract term isn’t stated. See the full comparison
QUICK ANSWER
If you want a card terminal without a monthly subscription, HitPay is an alternative to Maya Terminal. Maya lists Maya Terminal at Php949 per month, with cards from 3.50% MDR. HitPay sells its All-in-One terminal for a one-time PHP 10,500 and charges 3% on domestic cards in person (excl. VAT). At published starting rates, GCash is the same (2%).
Compare
Maya rates are its published “rate starts at” figures; custom pricing differs. Maya: terminal, pricing and QR Ph pages. HitPay rates from hitpayapp.com/ph/pricing, excl. VAT. Checked 18 Oct 2026.
| HitPay | Maya Terminal | |
|---|---|---|
| Hardware cost model | Buy once: All-in-One PHP 10,500 (excl. VAT); Soundbox PHP 2,500 (excl. VAT and shipping) | "Php949 per month" (terminal FAQ) |
| Domestic cards (Visa/Mastercard) | 3% | From 3.50% MDR |
| International cards | 4% | No separate international rate published (JCB/Amex from 3.50%) |
| QR Ph | 1% or ₱20, whichever is higher | From 1.0% MDR on its pricing page; its QR Ph FAQ says 1.60% per transaction |
| GCash | 2% | From 2% |
| WeChat Pay | 1.5% | From 1.75% |
| VAT | Rates exclude VAT | Not stated |
| In-person card payout | T+2 calendar days | Not stated on its terminal page |
| Non-card payout | T+1 calendar day | Not stated |
| Device models | All-in-One, Soundbox | Maya Terminal, Maya Terminal Lite |
| Swipe (magstripe) | No (insert and tap on All-in-One) | Yes (Maya Terminal) |
| Printed receipts | Yes (All-in-One) | Yes (Maya Terminal) |
| Connectivity | Wi-Fi and mobile hotspot or cellular | LAN (needs L920-BE base), Wi-Fi, mobile data |
| ECR integration | Not listed | Yes ("can integrate with existing ECRs") |
| Online payments on the same account | Yes: one dashboard and one payout for online and in store | Yes (Checkout, Payment Links, Invoice) |
| Regulator | BSP registered | Maya says it's BSP-regulated |
Who should choose which
Choose Maya Terminal if you:
Need swipe (magstripe) cards
Need a LAN connection or integration with your existing ECR
Don’t mind a monthly terminal fee (GCash costs 2% on both)
Choose HitPay if you:
Would rather buy a terminal once than pay monthly
Take mostly domestic cards (3% vs from 3.50%)
Also sell online on the same HitPay account (Shopify, WooCommerce, payment links)
frequently asked questions
What is the best alternative to Maya Terminal?
For businesses that don't want a monthly terminal fee, HitPay's All-in-One terminal is a one-time PHP 10,500 purchase (excl. VAT), with 3% domestic card fees (excl. VAT).
How much does Maya Terminal cost per month?
Maya lists Maya Terminal at Php949 per month for Maya Business account holders (maya.ph/business/terminal, checked 18 Oct 2026).
Is HitPay cheaper than Maya for card payments in store?
At published rates, yes for domestic cards (3% vs from 3.50%) and WeChat Pay (1.5% vs from 1.75%). GCash is the same (2%).
Can I accept QR Ph on a HitPay terminal?
Yes, at 1% or ₱20 per payment, whichever is higher.
How fast are HitPay in-store payouts?
In-person cards T+2 calendar days; non-card T+1 calendar day.
Is HitPay regulated in the Philippines?
HitPay Payment Solutions, Inc. is a BSP-registered Operator of Payment Systems.
Still have questions?
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