The Ultimate List of Shopify Payment Methods in the Philippines
by Ramon King, Managing Director of LOKAL
Last Updated April 8, 2026
This page is updated as new trends, courses, and other significant information emerge.
Filipinos are among the world's most avid internet users, leading to the surge in eCommerce in the Philippines. With the growth of this industry, companies like
Shopify incorporate additional payment methods beyond credit cards to streamline online purchases. You can integrate online wallets and payment gateways into your store to receive payments from banks and non-banking providers. This article explores the various Shopify payment methods in the Philippines so you can decide which is the best for your site.
Providing Philippine E-commerce with Digital Payment Gateways
The e-commerce business in the Philippines has been hindered by low credit card usage over the past several years. However, even though cash remains king in the Philippines, e-commerce has continued to grow enormously, expanding the payment options available to Filipinos.
Providing your customers with several payment options adds convenience and makes payments and transactions more cost-effective and speedier, with some processing payments in real-time. Hence, as entrepreneurs, you must adapt to the evolving landscape of Philippine e-commerce to offer a
hassle-free online shopping experience for your customers and ensure your business's success.
Here's the List of Shopify Payment Methods in the Philippines
Shopify allows you to connect to top international payment services, so your customers can pay in their local currency and with their preferred payment method. Listed below are all the payment gateways that are available on Shopify Philippines.
2Checkout (now verifone)
You will need a Shopify payment gateway like 2Checkout if you plan on expanding your online business globally. A great alternative to Paypal, 2Checkout eases the process of accepting digital payments online from any location around the world. In addition, its multi-currency and multi-language capabilities allow you to reach customers in over 200 countries and offer a truly local shopping experience.
% Per Transaction: Ranges from 3.5% + $0.35 (2Sell) - 6.0% + $0.60 (2Monetize) depending on plan
Cost of Set-up: None
Ease of Installation: 4/5 (5 being the hardest)
Payment Methods Supported: Bank transfer, AMEX, JCB, Mastercard, Neteller, PayPal, PO, Skrill, Visa
BillEase
Among Shopify payment methods in the Philippines, BillEase now offers Filipino customers options for 'Pay Later,' 'Pay in Installments,' and 'Pay with Down Payment,' giving them greater flexibility and a more integrated buying experience. In addition, since many Filipinos lack credit cards, BillEase streamlines the process for merchants and customers alike.
Users can spread out the cost of purchases overtime at a low-interest rate, boosting their spending power and flexibility. Moreover, a down payment solution enables clients to finance expensive products that are beyond their credit limits.
% Per Transaction: Not publicly disclosed - contact BillEase directly (1.34% if accessed via PayMongo)
Cost of Set-up: None
Ease of Installation: 2
Payment Methods Supported: Coins.ph, 7-Eleven, Cebuana Lhuillier, M Lhuillier, Security Bank, BDO, BPI, GCash, Maya, GrabPay (for repayments); QRPh supported for in-store
BitPay
Shopify's hosted checkout system integrates cryptocurrency payments directly from
BitPay. As a result, Bitcoin payments are easy to integrate with Shopify, and no programming knowledge is required.
% Per Transaction: 1%-2% + $0.25 per transaction (tiered by monthly volume; smaller merchants processing under $500,000/month pay 2% + $0.25
Cost of Set-up: Not indicated on-site; need to contact the sales team
Ease of Installation: 4/5
Payment Methods Supported: Bitcoin, Bitcoin Cash, Dogecoin, Ether, Gemini US Dollar, Circle USD Coin, Paxos Standard USD, Binance USD, Dai, Wrapped Bitcoin, and Ripple settlements
hitpay
HitPay is a full-stack payments platform built for fast-growing businesses in Southeast Asia, with a strong and regulated presence in the Philippines. It is supervised by the Bangko Sentral ng Pilipinas (BSP) and endorsed by the DTI for e-payments, and is trusted by over 15,000 businesses across Asia. The Shopify plugin requires no coding, making it one of the easiest gateways to set up for Filipino merchants.
HitPay consolidates local and international payment methods into a single checkout page, eliminating the need to manage multiple gateways. It uses a pay-per-transaction model with no setup fees or monthly subscriptions, merchants only pay when a payment is successfully processed.
Note: All rates below are verified directly from HitPay's official Philippines pricing page (hitpayapp.com/ph/pricing) as of April 2026. HitPay charges an additional 0.5% Shopify plugin fee on top of all base rates listed. For example, domestic cards are 3% + ₱15 base, making the effective Shopify rate 3.5% + ₱15. GCash base is 2.3%, effective Shopify rate is 2.8%. Note that Maya is not separately listed on HitPay's PH pricing page — it may be accessible via QR Ph. AMEX is also not listed as a supported card on the PH pricing page. Always verify current rates at hitpayapp.com/ph/pricing before signing up.
% Per Transaction (base rates - add 0.5% for Shopify plugin):
- Domestic cards (Visa, Mastercard): 3% + ₱15 (effective Shopify rate: 3.5% + ₱15)
- International cards: 4% + ₱15 (effective Shopify rate: 4.5% + ₱15)
- GCash: 2.3% (effective Shopify rate: 2.8%)
- GrabPay: 2.2%
- ShopeePay / ShopeePay Later: 2.5%
- QR Ph: 1% or ₱20 (whichever is higher)
- UnionBank: 1% or ₱20 (whichever is higher)
- InstaPay: 1.5% or ₱35 (whichever is higher)
- PESONet: 1.5% or ₱35 (whichever is higher)
- Over-the-counter (7-Eleven, Cebuana, etc.): 1.5% or ₱30 (whichever is higher)
- BillEase (BNPL): 1.5%
Cost of Set-up: Not indicated on-site; need to contact the sales team
Ease of Installation: 1 (no coding required)
Payment Methods Supported: Visa, Mastercard, GCash, GrabPay, QR Ph, UnionBank, InstaPay, PESONet, ShopeePay, OTC payments (7-Eleven, Cebuana Lhuillier, and more), BillEase (BNPL), and cross-border payments from Singapore, Malaysia, Thailand, Indonesia, India, and Korea
CoinPayments.net
The integration of
CoinPayments with Shopify aims to provide an alternative payment method for their retailers and increase cryptocurrency adoption. The platform has launched a V2 with improved features for businesses of all sizes. With Coin Payments' global expertise in crypto payment processing, retailers using Shopify can receive cryptocurrency in addition to other payment options. It is the largest cryptocurrency platform online, with over 2.2 million members in 182 countries.
% Per Transaction: 0.5%
Cost of Set-up: Not indicated on-site; need to contact the sales team
Ease of Installation: 4
Payment Methods Supported: Full list of coins at coinpayments.net
dLocal
dLocal's integration with Shopify relieves retailers of the hassle of setting up a payment gateway and allows them to enjoy real-time synchronization and management tools instead. It acts as the merchant's local payment processor in each of the fastest-growing nations and enables online businesses to access the 2.3 billion e-commerce consumers.
% Per Transaction: Not indicated on-site; need to contact the sales team
Cost of Set-up: Not indicated on-site; need to contact the sales team
Ease of Installation: 3
Payment Methods Supported: Visa, Mastercard
EBANX
Increase your revenue with
EBANX by providing a unified payment gateway to all major Latin American consumers. Paying through the EBANX payment gateway is as easy as clicking a button. Services include customizable checkout, payment acceptance, mobile payments from anywhere, customized invoices, and a global payment gateway.
% Per Transaction: Starts at 2.7% + 30¢, depending on the plan
Cost of Set-up: Not indicated on-site; need to fill up a request form
Ease of Installation: 4
Payment Methods Supported: Full list of payment methods here
Dragonpay
DragonPay payment processing system, based in the Philippines, accepts payments from a larger market through online and offline banking facilities and non-traditional retail outlets. Their solution enables consumers and sellers to transact online without using credit cards or PayPal. In turn, DragonPay makes shopping with Shopify more convenient, increases fraud protection, and reduced transaction fees.
% Per Transaction: Approximately PHP 10 (online banking) - PHP 20 (OTC/payment centers) per transaction; fees vary by channel
Cost of Set-up: Currently waived for PH merchants (was PHP 36,000 VAT-inclusive)
Note: The PHP 36,000 setup fee is currently waived for Philippine merchants as of 2025–2026. Always confirm the current promo status with Dragonpay before signing up.
Ease of Installation: 3
Payment Methods Supported:
- Cash on delivery
- E-wallets: Dragonpay Credits, Alipay, Coins.ph, GCash, GrabPay, Maya, PayPal, ShopeePay, and WeChat Pay
- Bank deposits (OTC, ATM-based, and online bank payments): BDO, BPI, Metrobank, PNB, China Bank, and more
- Remittance services: 7-Eleven, Bayad Center, Cebuana Lhuillier, ECPay, LBC, M Lhuillier, Palawan Express, Robinsons Department Stores, SM Bills Payment Counters, and more
- Cards: Visa, Mastercard
- Crypto: Bitcoin, Ethereum, Tether
GCash via Paymongo
Globe Telecom-owned GCash has partnered with PayMongo to bring Filipino entrepreneurs a broader mobile payments platform, including those selling through Shopify. It has a user base of 20+ million and over 73,000 merchant partners and has been at the vanguard of developing cashless payment systems in the country.
Refer to PayMongo details
Grab checkout (formerly GrabPay)
Grab Checkout is a payment option within the Grab application. A customer's funds stored in the e-Wallet are used to pay for various items and services inside and outside the Grab app. By offering Grab Checkout payments, you can help your customers get the convenience and ease of use they're looking for when shopping online.
Get in touch with Grab customer support to learn how to integrate GrabPay with Shopify. Their representatives will explain the steps and the fees involved in using GrabPay in your Shopify store.
Note: Grab Philippines' official merchant page does not publicly list a transaction fee for online Grab Checkout integration. The 3.3% figure previously cited in this post appears to originate from Grab's Singapore merchant page (which cites 3.3% for GrabPay and 3.4% + S$0.50 for cards). PH-specific rates are not published online. Alternatively, GrabPay accessed through PayMongo is currently priced at 1.96%. Contact [email protected] for direct integration rates.
% Per Transaction: Not publicly listed for PH - contact Grab directly; or 1.96% via PayMongo
Cost of Set-up: Not indicated on-site; need to contact the sales team
Ease of Installation: 4
Payment Methods Supported:
Visa, Mastercard, Amex, JCB, GrabPay
iPay88 Philippines
iPay88 is the leading payments service provider in South East Asia, with a team of over 180 specialists in Malaysia, Singapore, Indonesia, the Philippines, and Thailand. E-commerce and online payment services have effectively given over 10,000 merchants a competitive edge regionally and globally.
It offers a diverse collection of payment solutions to online customers and companies throughout the region, especially in ASEAN and the Asia Pacific, backed by a network of over 60 domestic and international financial institutions.
Founded in 2012, iPay88 Philippines, Inc. has partnered with hundreds of companies in the Philippines' e-commerce and mobile commerce sectors with its innovative payment ecosystem.
Note: iPay88 Philippines does not publish transaction fees on their website. Their official site directs merchants to "Contact our Sales Team or submit a Sales Inquiry." The 3.5% figure previously cited in this post cannot be verified from any official iPay88 Philippines source. Contact them at [email protected] or +632 5118688 for current rates.
% Per Transaction: Not publicly disclosed - contact iPay88 sales for current merchant rates
Cost of Set-up: Not indicated on-site; need to contact the sales team
Ease of Installation: 4
Payment Methods Supported:
Visa, Mastercard, AMEX, Paypal
iPayLinks
iPayLinks specializes in the development of cross-border payment solutions. Global payment processing, marketplace payments, and supply chain finance are all available on the platform. The company continues to expand with a notable partnership with Flutterwave in 2025 to power Africa-Asia cross-border trade.
% Per Transaction: Starts at 0.3%
Cost of Set-up: Not indicated on-site; need to contact the sales team
Ease of Installation: 4
Payment Methods Supported:
MasterCard, Visa, American Express, and many more. Register online to see which applies to your country
PayTabs
The
PayTabs platform allows easy, fast set-up and operation of a business. Payments can be processed using a variety of localized payment methods, making the process simple for your local clients. Among PayTabs's most valuable features is the PayPage, which will allow you to invoice customers online. You can accept payment via credit card or debit card even if you don't have a website or customer relationship management system.
Note: PayTabs is primarily a MENA-focused gateway. Their published pricing has been restructured into three plans — Flexi, Standard, and Advanced — replacing the old "Growth/Start-up" naming used in this post's original version. Rates on their support portal are expressed in AED/SAR and targeted at Middle East merchants. Philippine merchants should contact PayTabs' sales team directly for applicable rates and regional availability.
% Per Transaction: Contact sales — published MENA rates are 2.85%–2.90% + a fixed AED/SAR fee depending on plan; PH-specific rates require direct inquiry
Cost of Set-up: Varies by plan (Flexi: free; Standard: ~$250; Advanced: ~$500 for MENA merchants — confirm with PayTabs for PH)
Ease of Installation: 4
Payment Methods Supported:
MasterCard, Visa, American Express
PayMongo
PayMongo is the leading local payment gateway for the Philippines, built specifically for the local market. It offers fair, transparent pricing with no setup fees, monthly fees, or hidden fees. All rates below are from PayMongo's official pricing page as of April 2026.
Note: Rates have changed significantly since this post's original publication. The previous flat "2.9% for e-wallets" and "1.5% for remittances" figures are no longer accurate. Per-method pricing now applies.
% Per Transaction (as of April 2026):
- Cards (Visa, Mastercard): 3.125% + ₱13.39
- GCash: 2.23%
- Maya: 1.79%
- GrabPay: 1.96%
- ShopeePay: 1.70%
- QR Ph (online and in-store): 1.34%
- Direct Online Banking (BDO, UnionBank, BPI, Landbank, Metrobank): 0.71% or ₱13.39
- BNPL via BillEase: 1.34%
- +1% foreign fee for cards issued outside the Philippines
Cost of Set-up: None
Ease of Installation: 3
Payment Methods Supported:
Visa, Mastercard, GCash, Maya, GrabPay, ShopeePay, QR Ph, BDO, BPI, UnionBank, Landbank, Metrobank, BillEase
Paysera
Paysera, Lithuania's leading electronic money institution, powered by Shopify, makes it possible for merchants to accept consumer payments through financial institutions with just a few clicks. It currently has over 350,000 private clients and over 30,000 businesses using its service, including 15,000 e-commerce sites, entertainment portals, and game developers.
Note: The "Starts at 2.5%" rate previously cited in this post is inaccurate. Fees verified directly from Paysera's official pricing page. For Shopify specifically, Paysera charges a standard card fee plus an additional +0.45% Shopify commission on top.
% Per Transaction (Shopify):
- EU-issued cards: 1.45% + 0.45% Shopify fee (effective ~1.90%), minimum €0.15 per transaction
- Non-EU-issued cards: 2.45% + 0.45% Shopify fee (effective ~2.90%), minimum €0.15 per transaction
- Volume discounts apply as transaction counts increase
Cost of Set-up: None (service activation fee is €0)
Ease of Installation: 4
Payment Methods Supported:
Visa, MasterCard, Maestro, Apple Pay, Google Pay
Maya (fomerly PayMaya Wallet)
Maya Checkout's Shopify Payment Gateway lets you accept VISA and MasterCard payments easily and securely. Maya Checkout offers a hosted payment page and fully integrates with the Shopify payment gateway extension.
Note: PayMaya officially rebranded to Maya in May 2022. Rates below are verified directly from Maya's official business pricing page as of April 2026. The fixed fee has dropped from ₱15 to ₱10 per card transaction for online checkout.
% Per Transaction (current official rates for Maya Checkout):
- Visa, Mastercard, JCB, AMEX: 3.50% MDR + ₱10 per transaction
- Maya Wallet / Maya QR: 1.50% MDR
- QR Ph: 1.50% MDR
- GCash: 2.00% MDR
- WeChat Pay: 1.75% MDR
- ShopeePay: 1.85% MDR
- BancNet: Not available on Maya Checkout (available on Maya Terminal only)
Cost of Set-up: None
Ease of Installation: 3
Payment Methods Supported:
Visa, Mastercard, JCB, AMEX, Maya wallet, QR Ph, GCash, WeChat Pay, ShopeePay
Paynamics
E-commerce businesses can easily accept online payments through Paynamics' internet payment solutions. Many retailers choose it for its quick system integration and fraud protection. The company provides a centralized payment infrastructure with a v2 Shopify app available directly in the App Store.
Note: Paynamics does not publish transaction fees on their website. Their official site says "Book a call with our payment experts" and directs merchants to [email protected]. The 2.5% figure previously cited in this post cannot be verified from any official Paynamics source. Contact their team directly for current merchant rates.
% Per Transaction: Not publicly disclosed — contact Paynamics directly for current merchant rates
Cost of Set-up: Not indicated on-site; need to contact the sales team
Ease of Installation: 4
Payment Methods Supported:
Visa, MasterCard, American Express, BancNet, GCash, Coins.ph, GrabPay, ECPay, BDO, BPI, PNB, Union Bank, Security Bank, RCBC, UCPB, JCB, M Lhuillier, Cebuana Lhuillier, SM Bills Pay, and Maya
Payo
Payo enables you to integrate all of your online businesses, shipping and remittance of payments in real-time, order monitoring, and client retention, all from a single dashboard. The Payo COD integration collects the money from the couriers and deposits it to the merchant's bank account every billing cycle.
Note: As of April 2026, the Payo app on the Shopify App Store shows "not currently available." Merchants should contact Payo directly at payo.asia to confirm current integration availability before proceeding.
% Per Transaction: 3% or P20 for successful deliveries only, whichever is higher
Cost of Set-up: None
Ease of Installation: 2
Payment Methods Supported:
As a Shopify COD integration, they collect the money from the couriers and deposit it to the merchant's bank account every billing cycle.
PayDollar (Pesopay)
Providing integrated payment processor services since 2000,
PayDollar lets domestic and international companies securely accept credit and debit payments via any channel at any time and a reasonable price in just days. Customers can pay with a credit/debit/prepaid card, an electronic fund transfer, a bank account, a buy now pay later option, and cash through a single account.
% Per Transaction: Not indicated on-site; need to contact the sales team
Cost of Set-up: Not indicated on-site; need to contact the sales team
Ease of Installation: 3
Payment Methods Supported:
BDO, RCBC, ECPay, GCash, GrabPay, Alipay, Union Pay, WeChat Pay, Visa, Mastercard, AMEX, JCB
Paymentwall
In partnership with Shopify,
Paymentwall offers businesses a more convenient way to accept payments through its options, including credit cards, SMS payments, prepaid cards and cash options, bank transfers, and e-wallets. The varied payment options provided by Paymentwall enable Shopify retailers to reach and engage clients from all over the world, allowing their businesses to grow internationally.
Note: Paymentwall's pricing is confirmed from their official pricing page. The ADVANCED plan charges 2% per transaction with no monthly fee and free setup. However, their BASIC plan charges $0.10 per transaction but disables most features. There is also a $100/month service fee for full business accounts. The "Starts at 2%" rate in this post refers to the ADVANCED/SpiderPipe plan only.
% Per Transaction: 2% per transaction (ADVANCED/SpiderPipe plan) + payment method fee; $0.10/transaction (BASIC plan, limited features); $100/month service fee applies to full business accounts
Cost of Set-up: None (ADVANCED plan)
Ease of Installation: 3
Payment Methods Supported:
Visa, Mastercard, Mobiamo, Razet Gold, Cherry Credits, 7-Eleven, GCash, GrabPay, bank transfers
PayPal Express Checkout
PayPal is currently the default payment method for Shopify. If you run a Shopify store, you're probably familiar with PayPal. Customers have confidence in using PayPal to purchase goods and services due to PayPal's widespread reliability and trust. Shopify and other e-commerce systems easily integrate with PayPal, which is why 15 million businesses use it. Once Shopify configures to process PayPal payments, it creates an Express Checkout profile for PayPal. Payments can be made using this account via both credit/debit cards and other methods.
% Per Transaction:
- Domestic payments – 3.9% + Php 15
- International payments – 4.4% + Php 15
Cost of Set-up: None
Ease of Installation: 4
Payment Methods Supported:
- PayPal
- Credit and debit cards: Visa, Mastercard, and American Express
PUT IT ON LAY-BUY
You can integrate Shopify Lay-Buy into your website in just a few minutes and provide your customers with convenient, affordable layaway options. Customers make a minimal deposit, then pay their remaining balance over time. Products are only dispatched after full payment is received.
% Per Transaction: Free for merchants (customers pay a small fee on their end)
Cost of Set-up: None
Ease of Installation: 1
Payment Methods Supported:
Paypal
Skrill
Through Skrill's payment gateway, customers can make payments using credit cards, debit cards, and other payment options. Together, Skrill and Shopify provide a fully integrated solution that is simple to set up.
Note: Skrill does not publicly list merchant transaction fees on their website. Merchant accounts require a custom application ("Please apply and we'll prepare an offer"). Based on third-party sources, tiered rates for business accounts are reported to range from 2.60%–2.90% + $0.29 depending on monthly sales volume. Contact Skrill's merchant team at paysafe.com/en/skrill-business for a quote.
% Per Transaction: Not publicly listed - tiered rates reportedly range from 2.60% to 2.90% + $0.29 based on volume; contact Skrill or exact merchant rates
Cost of Set-up: None
Ease of Installation: 3
Payment Methods Supported:
Visa, Mastercard (credit and debit)
SwiftPay
Using SwiftPay, customers can pay for their orders conveniently directly from their bank accounts at low processing rates. SwiftPay is BSP-compliant and built specifically for the Philippine market.
Note: SwiftPay does not publish transaction fees on their website. Their official site only says "Contact Us" for pricing. The 2.5% figure previously cited in this post cannot be verified from any official SwiftPay source. Contact them at [email protected] for current merchant rates.
% Per Transaction: Not publicly disclosed — contact SwiftPay directly for current rates
Cost of Set-up: None
Ease of Installation: 2
Payment Methods Supported:
Debit and credit cards from 30+ Philippine banks; Mastercard, Visa, American Express, Discover
Xendit
With Xendit, Southeast Asian businesses can streamline payment processes by benefitting from financial technology solutions. It helps a variety of clients, from small firms to e-commerce startups to multinational corporations. The Xendit payment solution is simple to integrate, safe, and backed by round-the-clock customer service.
Note: Xendit's Philippines-specific pricing is not displayed in a simple static table and is best verified at xendit.co/en-ph/pricing. As of January 2026, widely cited rates for PH merchants are approximately 2.9% + ₱15 for credit cards and 2.5% for e-wallets, with direct debit at approximately 1.5% + ₱20. These may vary by transaction volume and business type.
% Per Transaction: Approximately 1.8%–4.2% (varies by payment method and volume; contact Xendit or check xendit.co/en-ph/pricing for current rates)
Cost of Set-up: None
Ease of Installation: 2
Free Trial: None
Payment Methods Supported:
Visa, Mastercard, BPI, Union Bank, GCash, Maya, GrabPay, 7-Eleven, Cebuana Lhuillier, BillEase
Here's a table for easier comparison:
⚠️ Payo note: As of April 2026, the Payo Shopify app is listed as "not currently available" in the App Store. Contact payo.asia directly to confirm current status.
Choose the Best Shopify Payment Options for Your Store
As payment preferences change to cashless transactions, merchants require more than just one Shopify payment method. Filipino consumers will look for a convenient method of making online payments as e-commerce expands in the Philippines, and these payment processors will streamline your customers' checkout process. Buyers will choose the sellers who offer an easy checkout process with payment options they can use.
Choosing the best Shopify payment methods that will work for your business may be challenging when you have many options to choose from. If you are trying to set up, manage, or choose the best integrations for your Shopify store, look no further than Lokal. Click the button below to get started and get in touch with us for more information.
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