Philippines · checked 11 Nov 2026
At a glance
| HitPay | PayMongo | |
|---|---|---|
| QR Ph | 1% or ₱20 | 1.34% |
| GCash | 2.3% | 2.23% |
| Local cards | 3% + ₱15 | 3.125% + ₱13.39 |
Sources: hitpayapp.com/ph/pricing and paymongo.com/pricing, both read 11 Nov 2026.
Quick answer · checked 11 Nov 2026
Online, HitPay charges 1% or ₱20 (whichever is higher) for QR Ph, 2.3% for GCash and 3% + ₱15 for local cards. PayMongo charges 1.34%, 2.23% and 3.125% + ₱13.39. HitPay is cheaper on QR Ph above about ₱1,493 and on local cards above about ₱1,288; PayMongo is cheaper on GCash and on small QR Ph payments. In store, Maya Terminal lists QR Ph from 1.0%, GCash from 2% and cards from 3.50%; HitPay in person is QR Ph 1% or ₱20, GCash 2% and domestic cards 3%. HitPay has no setup or monthly fee, and non-card payouts reach your HitPay Balance on T+1 calendar day. Rates exclude VAT for HitPay and PayMongo.
Online
Sources: hitpayapp.com/ph/pricing and paymongo.com/pricing, both read 11 Nov 2026. Both exclude 12% VAT on the fee. PayMongo’s standard settlement is 2–7 days, or instant for 2.23% on QR Ph; HitPay non-card payouts are T+1 calendar day, online cards T+7 calendar days.
| Method | HitPay | PayMongo | Cheaper |
|---|---|---|---|
| QR Ph | 1% or ₱20, whichever is higher | 1.34% | HitPay above ~₱1,493; PayMongo below |
| GCash | 2.3% | 2.23% | PayMongo |
| Maya | via QR Ph: 1% or ₱20 | 1.79% | HitPay above ~₱1,117 (the point where ₱20 = 1.79%); PayMongo below |
| Local Visa/Mastercard | 3% + ₱15 | 3.125% + ₱13.39 | HitPay above ~₱1,288 |
| International cards | 4% + ₱15 | 4.02% + ₱13.39 | PayMongo below ~₱8,050; HitPay above |
| GrabPay | 2.2% | 1.96% | PayMongo |
| ShopeePay | 2.5% | 1.70% | PayMongo |
| BillEase (BNPL) | 1.5% | 1.34% | PayMongo |
| Monthly fee | None | None for payments (Storefront ₱349/month is optional) | None for either |
In store
Maya: maya.ph/business/pricing, read 11 Nov 2026. Maya lists ‘rate starts at’ MDRs and doesn’t say on that page whether they include VAT. HitPay: hitpayapp.com/ph/pricing, rates exclude VAT.
| Method | HitPay (terminal or QR) | Maya Terminal ("rate starts at") |
|---|---|---|
| QR Ph | 1% or ₱20, whichever is higher | from 1.0% |
| GCash | 2% | from 2% |
| Visa/Mastercard | domestic 3%, international 4% | from 3.50% |
| Terminal | HitPay card terminal PHP 10,500 one-off (excl. VAT and shipping) | see Maya |
Which one fits
Mostly QR Ph and bank-app payments over ₱1,500: HitPay.
Mostly small GCash, GrabPay or ShopeePay payments online: PayMongo’s wallet rates are lower.
Want online, payment links and an in-store terminal on one account with no monthly fee: HitPay.
Xendit isn’t in these tables because its Philippine rates couldn’t be matched to each method on its pricing page. Check xendit.co pricing before you decide.
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