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Payment Gateway Philippines: Accept Card, E-wallets and BNPL with One API

February 12, 2026

Overview

In the Philippines, digital payments are now the default. Nearly 6 in 10 retail transactions are completed digitally, driven by rapid e-wallet adoption, card usage, and new mobile payment rails such as Google Pay in the Philippines, with Apple Pay expected to follow. Customers increasingly expect merchants to accept cards, GCash, Maya, and BNPL at checkout.

Supporting multiple wallets and BNPL providers normally requires separate APIs and reporting systems, which increases cost and complexity. A payment gateway or Payment Service Provider (PSP) solves this by connecting all major payment methods through one unified API, giving merchants a single checkout, a single reconciliation layer, and faster time to market.

The Growing Landscape of Philippines’ Alternative Payment Methods

Alternative Payment Methods (APM) are any payment methods aside from traditional cash or cards. This includes e-wallets, Buy Now Pay Later (BNPL), bank installments and more.

The demand and usage for APMs are rapidly growing in the Philippines, mainly due to its accessibility and reach to the unbanked market, giving them an option to transact digitally. In fact, over 1 in 3 Filipino consumers used e- wallets as their first financial product, ahead of bank accounts.

From the business perspective, a strategic move for growth is to meet your customers where they are, always ready to accept their preferred payment methods, from cash and card to e-wallets and BNPL.

How to Integrate Digital Payments for Businesses in the Philippines

When it comes to technical execution, businesses in the Philippines generally have two common ways to accept digital payments:

1. Direct Integration: Your development team builds individual connections to each issuer (e.g., one API for GCash, another for Maya, a third for the bank). While this offers direct control, it requires heavy resources to maintain multiple APIs and handle updates for each one separately.
2. Partner with a Payment Service Provider (PSP): The more efficient route for scalable businesses is to use a Payment Service Provider (PSP). A PSP unifies multiple payment channels (cards, e-wallets, BNPL) into a single processing layer, like an all-in-one solution.

By utilizing a PSP, merchants effectively outsource the complexity. The PSP handles the individual "handshakes" with the banks and e-wallets, delivering a single, clean integration to your website or app. This allows you to switch on new payment methods instantly without needing new integration.

Partnering with Fiuu: The Leading PSP in Southeast Asia

As the leading payment service provider in Southeast Asia, Fiuu is a trusted partner to over 70,000 businesses across different industries. As a Fiuu Merchant, you gain leverage on:

1. Future-ready Channels: Be the first to enable the latest payment methods, eliminating concerns for speed to market and integration headaches.
2. Omnichannel Support: Access all your transaction data in detail via our comprehensive Merchant Dashboard, unifying all your online and in- person transactions for easy reconciliation.
3. Low Maintenance Cost: Enabled via a single API integration, reducing technical complexities and cost for your development team.

Filipino consumers are developing new expectations on speed, trust and flexibility, don’t lose revenue to rigid payment methods. Integrate once and future-proof your business.

Contact us today at [email protected] to streamline and future-proof your payment processing stack.