GCash
Collection1.8%
Per transaction: 100 - 50,000 PHP
Example: 1,000 PHP → 18 PHP fee.
Payment channel comparison
Compare Philippines payment channels by workflow
GCash, Maya, QR Ph, bank transfers and InstaPay are not interchangeable labels. Compare the payer handoff or payout destination, money direction, server confirmation, exception path and reconciliation record before implementation.
Payment capabilities
Payer experience
Money direction
Order operations
Collection and payout fees
Published channel fees are shown separately for collections and payouts. Ask support about settlement and any additional charges.
QRPH
Collection1.8%
Per transaction: 100 - 50,000 PHP
Example: 1,000 PHP → 18 PHP fee.
InstaPay
Payout8 PHP
Per transaction: 100 - 50,000 PHP
Example: 1,000 PHP → 8 PHP fee.
Discuss fees and settlement
Talk directly to our 24-hour team about collections, payouts and API integration.
24-hour support
Discuss integration and pricing on Telegram
Human support for exceptions
Contact the team about problem orders
Settlement options
Real-time settlement may be available, depending on the channel and business
Integration details
Payment flow, callbacks, order queries and reconciliation.
Compare the payer experience
The front-end path determines what the payer sees, but the server result still determines the final order state.
Wallet-specific checkout
A GCash or Maya flow may hand the payer to a named wallet or hosted checkout. Keep the merchant reference, expected amount, expiry and return path with the order.
QR Ph merchant payment
A merchant-presented QR can be scanned through participating wallet or bank apps. Distinguish static and order-bound dynamic QR flows.
Bank-transfer instruction
Account details and transfer references replace the wallet handoff. Define how an incoming transfer is identified and matched to the merchant order.
Separate collection from payout delivery
Incoming confirmation and outgoing delivery are different money movements even when they belong to one business event.
Collection order
Record the expected amount and payment path, then confirm the incoming result through the agreed callback or order query.
Payout order
Record the wallet or bank destination and track accepted, processing, delivered, failed and unknown results independently.
Two-way operation
Link collection and payout references in the business record, but do not reuse an order number or treat one direction as proof of the other.
Compare technical and operating evidence
A channel decision is incomplete until normal and exceptional orders can be confirmed and reconciled.
Checkout artifact
Retain the redirect or QR reference, amount, currency, expiry and selected payment method generated for the order.
Server confirmation
Verify callbacks, update idempotently and query the original order when a notification is delayed, missing or inconsistent.
Reconciliation record
Match merchant and returned references, amount, final state, timestamps and settlement identifiers; move differences to a review record.
Common questions
Are GCash and QR Ph the same payment flow?
No. GCash is a wallet-specific experience. QR Ph is an interoperable QR standard used through participating wallet or bank apps.
Should a channel be chosen only by payment-method name?
No. Compare payment direction, payer handoff or destination, amount range, server confirmation, exception recovery and reconciliation fields.
Can collection and payout share an order number?
They may be linked in one business record, but each money direction should keep its own reference, status model and final result.
What happens when a callback is delayed?
Keep the original order and use the issued query method. Do not create a replacement order while the result is unknown.
Are all listed paths always available?
No. Confirm the route, amount range, operating information, pricing and issued technical specification before implementation.
Related payment resources
Continue with the technical and channel details
GCash wallet payment flow
Follow the wallet handoff, server confirmation, pending-order and reconciliation workflow in detail.
Read resourceQR Ph payments
Review static and dynamic merchant QR flows and reconciliation controls.
Read resourceGCash collection and payout
See the operational split between incoming and outgoing payments.
Read resourceCompare a Philippines payment path
Review the payment direction, payer experience or destination, order lifecycle, exception controls and reconciliation record.
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