Philippine Peso (PHP)
Published processing fees and market availability for the Philippine Peso (PHP) across 9 gateways, bank acquirers, and payment rails serving Philippines. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Asia-Pacific payments guide · All Asia currencies
Who serves this currency
All 9 gateways, bank acquirers and wallets serving PHP markets, including providers with published PHP fee schedules (5) and custom/quote-only processors (4).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| XenditPhilippines cards 3.2% + ₱10; GCash 2.3%, Maya 1.8%, GrabPay 2.0%, QR Ph 1.5%. | Published fees |
| HitPayPhilippines cards 3.2% + ₱15; GCash 2.3%, Maya 2.0%, QR Ph 1.5%. | Published fees |
| 2C2PAnt Group-owned Southeast Asian enterprise payment gateway supporting 400+ regional methods (PromptPay, QRIS, GCash, TrueMoney, cards). Custom merchant pricing. | Serves this market |
| PayMongoPhilippines cards 3.5% + ₱15; GCash 2.5%, Maya 2.0%, GrabPay 2.2%, QR Ph 1.5%. | Published fees |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalPhilippine commercial transactions. | Published fees |
| GCashCards 3.2% MDR; QR Ph 1.0%; Pera Outlet rates differ; 12% VAT may apply. Verify the for-Business schedule. | Published fees |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (5 of 9 providers serving PHP). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified PHP rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 9 providers serving PHP.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (4 additional providers serve PHP with custom or quote-only pricing—see all 9 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| XenditPhilippines cards 3.2% + ₱10; GCash 2.3%, Maya 1.8%, GrabPay 2.0%, QR Ph 1.5%. | 3.2%+1% international cards | ₱10.00 | n/a | +1% |
| HitPayPhilippines cards 3.2% + ₱15; GCash 2.3%, Maya 2.0%, QR Ph 1.5%. | 3.2%+1% international cards | ₱15.00 | n/a | +1% |
| PayMongoPhilippines cards 3.5% + ₱15; GCash 2.5%, Maya 2.0%, GrabPay 2.2%, QR Ph 1.5%. | 3.5%+1% international cards | ₱15.00 | n/a | +1% |
Compare two PHP card gateways side by side
Wallets & other payment rails (published rates)
Publicly verifiable merchant rates for mobile money, digital wallets and account-to-account rails in PHP.
Monthly, plan & setup fees (PHP)
6 of 9 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| XenditPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| HitPayPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| 2C2PAPAC enterprise & mid-market payment gateway contract | Bank MID / custom | Custom / quote | Custom |
| PayMongoPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| PayPalStandard Checkout $0/mo; Advanced / Pro virtual terminal ~$30/mo in US/CA/UK | $0/mo + tiers | $0/mo | $0 |
| GCashNo monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| Payoneer Profile →Free to hold and receive; $29.95 annual fee applies to inactive accounts in some countries | $0/mo + tiers | $0/mo | $0 |
Philippine Peso (PHP) payment gateway FAQs
Which payment gateways and processors serve Philippines (PHP)?
Sympli5 tracks 9 payment gateways, bank acquirers, and payment rails serving Philippines (Philippine Peso, PHP), including PayPal, Adyen, Checkout.com, Xendit, HitPay, 2C2P and 3 others. Of these, 5 publish verifiable standard PHP per-transaction schedules and 4 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Philippine Peso (PHP)?
Among the 5 providers with publicly verified PHP schedules, the lowest headline variable rate starts at 3.2% + ₱0.00 via GCash. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive PHP calculator on this page to compare exact net payouts.
Do PHP payment gateways charge monthly or setup fees?
Of the 9 providers serving PHP markets, 6 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 3 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for PHP transactions?
An international (foreign-issued) card fee applies when a customer pays your business in PHP using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In PHP, providers like PayPal (+0.5%), Xendit (+1%), HitPay (+1%) add an explicit cross-border card surcharge on top of their domestic rate.