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Payment gateway in the Philippines for GCash, QR Ph and cards

Accept GCash, QR Ph, cards and more on one platform built for Philippine businesses.

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No setup fee · No monthly fee

You are paying

USD 200.00

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Anita Lin

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HitPay checkout paying with QR Ph in the Philippines, with GCash, GrabPay, QR Ph, Atome, Visa, Mastercard, Apple Pay and Google Pay options.

Quick answer · Updated 13 Nov 2026

HitPay is a payment gateway for Philippine websites and online stores, with no setup or monthly fee. Online rates, excluding VAT: GCash 2.3%, QR Ph 1% or ₱20 (whichever is higher), local cards 3% + ₱15 and international cards 4% + ₱15. HitPay is BSP registered.

Payouts: GCash, QR Ph and other non-card payments T+1 calendar day; online cards T+7 calendar days
Against PayMongo, HitPay is cheaper on local card payments above about ₱1,290 and QR Ph payments above about ₱1,500, and PayMongo is cheaper on most e-wallets and small QR Ph payments (HitPay vs PayMongo)
Works on Shopify (+0.5%), WooCommerce (+0.2%) and Wix, plus payment links and the HitPay API

For subscriptions, GCash recurring is live at 2.9% per payment, for Philippine-registered businesses and for businesses outside the Philippines. Card recurring is coming soon.

Payment gateway Philippines — the short answer

A payment gateway in the Philippines is the service that lets a business accept GCash, QR Ph, cards and other methods on a website, payment link or in store, and pays the merchant out. HitPay is a BSP-registered payment gateway with no setup or monthly fee.

Online rates, excluding VAT: GCash 2.3%, QR Ph 1% or ₱20 (whichever is higher), local cards 3% + ₱15, international cards 4% + ₱15. Non-card payouts reach your HitPay Balance on T+1 calendar day; online cards on T+7 calendar days.

To get started: sign up at dashboard.hit-pay.com/register, submit the documents in “What you need to sign up” below, enable GCash and QR Ph, then add HitPay to Shopify, WooCommerce, Wix, a payment link or the API.

Compare fees: Philippines payment gateway fees and HitPay vs PayMongo. This page is the product URL for “payment gateway Philippines”.

GCash payment gateway for your website

Accept GCash online with HitPay at 2.3% per payment (excl. VAT), paid out T+1 calendar day. QR Ph is 1% or ₱20, whichever is higher. Customers pay with GCash at your HitPay checkout, on a payment link, or through the Shopify, WooCommerce or Wix plugin. Each successful GCash payment costs 2.3% (excl. VAT) and reaches your bank T+1 calendar day. Developers can use the HitPay API.

Accept QR Ph online

QR Ph is the Philippines' national QR standard, so one code lets customers pay from GCash, Maya and participating banks. With HitPay, a QR Ph payment costs 1% or ₱20, whichever is higher (excl. VAT), online or in store. The payout arrives T+1 calendar day.

PRICING

Payment gateway fees in the Philippines

No monthly fee and no setup fee. You pay per transaction, on one account that takes cards and local Philippine methods.

HitPay online payment gateway fees in the Philippines (excl. VAT)
Method	HitPay online fee (excl. VAT)
Local cards	3% + ₱15
International cards	4% + ₱15
GCash	2.3%
QR Ph	1% or ₱20, whichever is higher
GrabPay	2.2%
ShopeePay (online only)	2.5%
BillEase	1.5%
WeChat Pay	1.5%

When do I get paid?

HitPay payout timing in the Philippines
Payment type	Payout
GCash, QR Ph and other non-card payments	T+1 calendar day
Online cards (checkout, payment links)	T+7 calendar days
In-person cards (HitPay terminal)	T+2 calendar days

See full Philippines pricing

Create your free HitPay account

What you need to sign up for HitPay in the Philippines

Documents to sign up for HitPay in the Philippines
Business type	Documents
Sole proprietor	DTI Registration, BIR Form 2303, proof of business, business bank account proof
Corporation (including One Person Corporations)	SEC Registration Certificate, Articles of Incorporation and By-Laws, latest GIS, BIR Form 2303, proof of business, corporate bank account proof
Partnership	SEC Registration, Articles of Partnership, BIR Form 2303, proof of business, partnership bank account proof

The account representative also completes an ID check and a selfie. If they aren’t named in the SEC registration, add a signed Letter of Authorisation. Proof of business can be your logo and storefront, product photos, service invoices or your website. Bank proof must show the full account name and number. Compliance may ask for more depending on your business type. Full list: docs.hitpayapp.com/onboarding/requirements-ph

Start your application

GET STARTED

Start accepting payments online

1. Sign up →

Create a free HitPay account and verify your business.

2. Connect your store →

Connect Shopify (+0.5%), WooCommerce or Wix (+0.2%), or use the API.

3. Use payment links →

No website? Send a HitPay payment link in chat or on social media.

Pricing →

Get started free

Payment methods

Accept payments the way your customers prefer

From cards and e-wallets to mobile wallets, BNPL, and QR codes, our payment gateway lets you offer the payment methods your customers trust. All with one connection.

See full list of payment methods

01. Cross-border payments

Expand to new markets easily

Sell cross-border effortlessly with low transaction fees and competitive exchange rates. Enhance your global reach by offering your customers’ preferred payment methods to boost conversions internationally.

Supported countries

Philippines

vietnam

China

thailand

INDIA

Malaysia

02. Checkout experience

Take payments your way

Access a wide range of popular payment methods with no coding required. Accept payments online, in-person or on the go.

Personalized checkout

Make HitPay’s checkout truly yours. Customize payment methods, checkout rules, and design elements effortlessly to match your brand.

Mobile-first experience

Don’t let mobile slow you down. HitPay’s optimized checkout ensures a seamless experience on any device, driving higher conversion rates for your business.

Secure and compliant

Leave the security to us. With PCI DSS compliance and advanced encryption, your customers’ data is protected, so you can focus on growing your business.

Insights on demand

Get the data you need without the complexity. Our all-in-one platform provides real-time reporting and analytics, giving you real-time insights into your transactions.

You are paying

USD 200.00

Sparkling Diamond Ring

Anita Lin

[email protected]

Scan this QR code to complete payment

Aqua

Night

Sunrise

Personalized checkout

Make HitPay’s checkout truly yours. Customize payment methods, checkout rules, and design elements effortlessly to match your brand.

Mobile-first experience

Don’t let mobile slow you down. HitPay’s optimized checkout ensures a seamless experience on any device, driving higher conversion rates for your business.

Secure and compliant

Leave the security to us. With PCI DSS compliance and advanced encryption, your customers’ data is protected, so you can focus on growing your business.

Insights on demand

Get the data you need without the complexity. Our all-in-one platform provides real-time reporting and analytics, giving you real-time insights into your transactions.

You are paying

USD 200.00

Sparkling Diamond Ring

Anita Lin

[email protected]

Scan this QR code to complete payment

Aqua

Night

Sunrise

Personalized checkout

Make HitPay’s checkout truly yours. Customize payment methods, checkout rules, and design elements effortlessly to match your brand.

Mobile-first experience

Don’t let mobile slow you down. HitPay’s optimized checkout ensures a seamless experience on any device, driving higher conversion rates for your business.

Secure and compliant

Leave the security to us. With PCI DSS compliance and advanced encryption, your customers’ data is protected, so you can focus on growing your business.

Insights on demand

Get the data you need without the complexity. Our all-in-one platform provides real-time reporting and analytics, giving you real-time insights into your transactions.

You are paying

USD 200.00

Sparkling Diamond Ring

Anita Lin

[email protected]

Scan this QR code to complete payment

Aqua

Night

Sunrise

Personalized checkout

Make HitPay’s checkout truly yours. Customize payment methods, checkout rules, and design elements effortlessly to match your brand.

Mobile-first experience

Don’t let mobile slow you down. HitPay’s optimized checkout ensures a seamless experience on any device, driving higher conversion rates for your business.

Secure and compliant

Leave the security to us. With PCI DSS compliance and advanced encryption, your customers' data is protected, so you can focus on growing your business.

Insights on demand

Get the data you need without the complexity. Our all-in-one platform provides real-time reporting and analytics, giving you real-time insights into your transactions.

No-code products

HitPay’s suite of no-code products gives you the flexibility to accept payments the way you prefer.

Collect payments in-person, integrate HitPay with your existing store, or use our suite of tools that allow you to collect payments the way that works best for you and your customers.

Online Checkout

Give your customers a checkout that just works — on any device, with whatever payment method they prefer. No developer needed. Fast and reliable payouts.

Online Checkout

Give your customers a checkout that just works — on any device, with whatever payment method they prefer. No developer needed. Fast and reliable payouts.

Point of Sale & Card Terminals

Take payments anywhere — at your stall, counter, pop-up, or market. Show a QR code, tap a card, or connect a terminal for PHP 10,500. No monthly rental, no bulky hardware.

Point of Sale & Card Terminals

Take payments anywhere — at your stall, counter, pop-up, or market. Show a QR code, tap a card, or connect a terminal for PHP 10,500. No monthly rental, no bulky hardware.

Payment Links & Invoicing

No website? No problem. Share a payment link on WhatsApp or Instagram and get paid in seconds. Send professional invoices for B2B work.

Payment Links & Invoicing

No website? No problem. Share a payment link on WhatsApp or Instagram and get paid in seconds. Send professional invoices for B2B work.

Plugin Integrations

Already on Shopify, WooCommerce, or Wix? AddHitPay in under 10 minutes and instantly unlockQR Ph, GCash, ShopeePay SPayLater, and every other local payment your customers prefer.

Plugin Integrations

Already on Shopify, WooCommerce, or Wix? AddHitPay in under 10 minutes and instantly unlockQR Ph, GCash, ShopeePay SPayLater, and every other local payment your customers prefer.

$10

Recurring Billing

Stop chasing monthly payments. Set up once and collect automatically — memberships, retainers, subscriptions.

$10

Recurring Billing

Stop chasing monthly payments. Set up once and collect automatically — memberships, retainers, subscriptions.

Developer API

One REST API to accept every payment method — cards, QR, e-wallets, and cross-border.

Developer API

One REST API to accept every payment method — cards, QR, e-wallets, and cross-border.

Developer API

One REST API to accept every payment method — cards, QR, e-wallets, and cross-border.

For Developers

Easily integrate with our payments and payouts APIs

Access APIs that seamlessly integrate across platforms, enabling seamless payouts across a wide range of markets with just one easy integration.

One API, every method

Cards, e-wallets, QR codes, bank transfers - a single integration handles them all.

Multi-country ready

Go live in Singapore, Malaysia, the Philippines, and more - no extra code required.

QR payments + full sandbox

Best-in-class QR code payments with a complete sandbox environment to test safely before going live.

AI-ready with MCP server

Use the HitPay MCP server to scaffold your integration with AI tools in under a day.

Read the Docs

Node.js

Ruby

Python

PHP

Java

NET

const hitpay = require("hitpay")("hp_test_BQokikJOvBiI2HlWgH4olfQ2");

// Create a payment intent to start a purchase flow
let paymentIntent = await hitpay.paymentIntents.create({
    amount: 2000,
    currency: "usd",
    description: "My first payment",
});

// Complete the payment using a test card.
await hitpay.paymentIntents.confirm(paymentIntent.id, {
    payment_method: "pm_card_visa"
});

Node.js

Ruby

Python

PHP

Java

NET

const hitpay = require("hitpay")("hp_test_BQokikJOvBiI2HlWgH4olfQ2");

// Create a payment intent to start a purchase flow
let paymentIntent = await hitpay.paymentIntents.create({
    amount: 2000,
    currency: "usd",
    description: "My first payment",
});

// Complete the payment using a test card.
await hitpay.paymentIntents.confirm(paymentIntent.id, {
    payment_method: "pm_card_visa"
});

Node.js

Ruby

Python

PHP

Java

NET

const hitpay = require("hitpay")("hp_test_BQokikJOvBiI2HlWgH4olfQ2");

// Create a payment intent to start a purchase flow
let paymentIntent = await hitpay.paymentIntents.create({
    amount: 2000,
    currency: "usd",
    description: "My first payment",
});

// Complete the payment using a test card.
await hitpay.paymentIntents.confirm(paymentIntent.id, {
    payment_method: "pm_card_visa"
});

Node.js

Ruby

Python

PHP

Java

NET

const hitpay = require("hitpay")("hp_test_BQokikJOvBiI2HlWgH4olfQ2");

// Create a payment intent to start a purchase flow
let paymentIntent = await hitpay.paymentIntents.create({
    amount: 2000,
    currency: "usd",
    description: "My first payment",
});

// Complete the payment using a test card.
await hitpay.paymentIntents.confirm(paymentIntent.id, {
    payment_method: "pm_card_visa"
});

Node.js

Ruby

Python

PHP

Java

NET

const hitpay = require("hitpay")("hp_test_BQokikJOvBiI2HlWgH4olfQ2");

// Create a payment intent to start a purchase flow
let paymentIntent = await hitpay.paymentIntents.create({
    amount: 2000,
    currency: "usd",
    description: "My first payment",
});

// Complete the payment using a test card.
await hitpay.paymentIntents.confirm(paymentIntent.id, {
    payment_method: "pm_card_visa"
});

PAYMENT OPTIONS

Boost sales with global and local payment options

Expand your reach and increase conversions. Offer customers their preferred payment methods, from international standards to local favorites.

Singapore

Malaysia

Philippines

Global

BillEase

GCash

Apple Pay

Google Pay

Bayad

InstaPay

Palawan

ECPay

QR Ph

ShopeePay

PESONet

Visa

Mastercard

UnionBank

Singapore

Malaysia

Philippines

Global

BillEase

GCash

Apple Pay

Google Pay

Bayad

InstaPay

Palawan

ECPay

QR Ph

ShopeePay

PESONet

Visa

Mastercard

UnionBank

Singapore

Malaysia

Philippines

Global

GCash

Billease

InstaPay

Bayad

ECPay

Palawan

PESONet

GrabPay

QRPH

ShopeePay

Visa

Mastercard

Apple Pay

Google Pay

TRANSPARENT PRICING

We offer competitive pricing in the market

No rental, subscription, or hidden fees. HitPay charges only when you make a sale.

QR Ph

Instant bank transfer

or ₱20

Instant settlement notification

Static & dynamic QR codes

Payouts from T+1

QR Ph

Instant bank transfer

or ₱20

Instant settlement notification

Static & dynamic QR codes

Payouts from T+1

QR Ph

Instant bank transfer

or ₱20

Instant settlement notification

Static & dynamic QR codes

Payouts from T+1

Cards

Visa, Mastercard · Global

+ ₱15

Popular schemes like Visa/Master Card

3DS2 fraud protection

Cards

Visa, Mastercard · Global

+ ₱15

Popular schemes like Visa/Master Card

3DS2 fraud protection

Card Terminal

Browse terminals

Physical POS device · In-store

PHP 10,500

One-time

Tap, chip & swipe

No monthly rental

Works with HitPay POS app

Zero monthly fees. Always.

No setup fee · No subscription · No hidden charges · No cancellation fee

View full pricing

COMPARISON

HitPay vs PayMongo

Comparing gateways? See HitPay vs PayMongo.

TRUST

How HitPay is registered in the Philippines

HitPay Payment Solutions Inc is registered with the Bangko Sentral ng Pilipinas. The full legal wording is on the licences and registrations page.

BSP-registered operator

HitPay Payment Solutions Inc is a registered operator of a payment system (OPS) under the Bangko Sentral ng Pilipinas.

HitPay in the Philippines

HitPay Payment Solutions Inc

BSP registered

Regulator

Bangko Sentral ng Pilipinas (BSP)

HitPay licences and registrations

Create your free HitPay account

GUIDE

Choosing a Philippines SME payment gateway

Shortlist PH gateways on fit: methods (GCash, QR Ph, cards), published fees, plugins, payout timing, and BSP registration. HitPay publishes GCash 2.3% online, QR Ph 1% or ₱20, cards 3% + ₱15, no monthly fee, and Shopify/Woo paths on this page + /ph/pricing. Pick the stack you will actually activate and process TPV on.

PH pricing →

Create your free HitPay account

FREQUENTLY ASKED QUESTIONS

Frequently Asked Questions

What is a payment gateway in the Philippines?

It is the service that accepts GCash, QR Ph, cards and other methods for a Philippine business and pays you out. HitPay is BSP registered, has no setup or monthly fee, and charges GCash 2.3%, QR Ph 1% or ₱20 (whichever is higher), and local cards 3% + ₱15, excluding VAT. Non-card payouts are T+1 calendar day.

How does HitPay compare with PayMongo and Maya Business?

See the HitPay vs PayMongo page and the Maya Business comparison for both companies' published rates.

Can I use HitPay with Shopify, WooCommerce or Wix?

Yes. Shopify adds 0.5% and WooCommerce or Wix add 0.2% on top of the method fee. You can also use the HitPay API.

How fast are HitPay payouts in the Philippines?

GCash, QR Ph and other non-card payments arrive T+1 calendar day. Online card payments arrive T+7 calendar days, and in-person card payments on a HitPay terminal T+2 calendar days.

Is HitPay regulated in the Philippines?

Yes. HitPay is BSP registered.

Do I need a website?

No. You can get paid with HitPay payment links.

Can I accept QR Ph online?

Yes. HitPay checkout and payment links show a QR Ph code that customers scan with GCash, Maya or their banking app.

How much does a payment gateway cost in the Philippines?

HitPay charges per successful payment only: local cards 3% + ₱15, international cards 4% + ₱15, GCash 2.3%, QR Ph 1% or ₱20, whichever is higher (excl. VAT).

What is a GCash payment gateway?

It's a service that lets customers pay with GCash on your website, app or payment link. On HitPay, GCash online costs 2.3% per payment (excl. VAT), with T+1 calendar day payouts.

What documents do I need to open a payment gateway account in the Philippines?

Sole proprietors need DTI Registration, BIR Form 2303, proof of business and business bank account proof. Corporations and partnerships need their SEC registration documents (for corporations: SEC Certificate, Articles of Incorporation and By-Laws, and the latest GIS), BIR Form 2303, proof of business and bank proof. The account representative also completes an ID check and a selfie.

What is the best payment gateway in the Philippines for small businesses?

It depends on how you sell. HitPay is a BSP registered payment gateway that takes GCash (2.3%), QR Ph (1% or ₱20) and cards (3% + ₱15, excl. VAT) on one account, with no setup or monthly fee.

Still have questions?

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