InstaPay
Payout8 PHP
Per transaction: 100 - 50,000 PHP
Example: 1,000 PHP → 8 PHP fee.
Local payment method comparison
Compare GCash, Maya, QR Ph and bank-transfer payment paths
Choose a payment method by what the payer needs to do and what the merchant must confirm afterwards. Wallet checkout, interoperable QR and bank transfer can serve different collection or payout requirements.
Payment capabilities
Wallet, QR and bank experiences
Collection versus payout direction
Confirmation and reconciliation needs
Collection and payout fees
Published channel fees are shown separately for collections and payouts. Ask support about settlement and any additional charges.
GCash
Collection1.8%
Per transaction: 100 - 50,000 PHP
Example: 1,000 PHP → 18 PHP fee.
QRPH
Collection1.8%
Per transaction: 100 - 50,000 PHP
Example: 1,000 PHP → 18 PHP fee.
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.
Start with the payer experience
The best option depends on where the payer starts, which app they use and whether the flow is a merchant collection or an outgoing payment.
GCash or Maya wallet
A wallet-specific checkout can be appropriate when the payer already uses that app and the available route supports the intended merchant flow.
QR Ph
An interoperable QR Ph flow may let participating wallet or bank apps scan one merchant-presented code, depending on the acquiring setup.
Bank transfer or InstaPay
A bank-account destination can suit collection or payout cases that require account-based transfer and a separate delivery status.
Compare the operational workflow
Payment-method coverage alone does not show how an order is confirmed or recovered.
Collection confirmation
Record the expected amount and merchant reference, then use the agreed callback or query result to confirm the incoming payment.
Payout delivery
Track the destination, accepted state and final delivery result separately. A submitted instruction is not proof that funds arrived.
Exception handling
Plan for expired checkout instructions, delayed callbacks, unknown states, amount mismatches and safe retry decisions.
Verify before implementation
Public payment-method names do not guarantee that every route, amount range or integration mode is available.
Current route
Confirm the payment direction, checkout method, destination type, amount range and operating availability before development.
Technical specification
Use the fields, signature rules, status values, callback acknowledgements and query method issued for the selected route.
Reconciliation record
Retain merchant and provider references, amount, currency, final state, timestamps and settlement identifiers needed for daily matching.
Common questions
What does local or native payment mean here?
It refers to payment experiences commonly used in the Philippines, such as wallets, interoperable QR and account-based transfers; it does not imply an official partnership.
Should GCash and QR Ph be treated as the same checkout?
No. GCash is a wallet-specific experience, while QR Ph is an interoperable QR standard used through participating wallet or bank apps.
Can collection and payout share one order?
They may relate to the same business event, but each direction should have its own reference, status and final confirmation.
Are all listed methods always available?
No. Confirm the route, amount range, payment direction, processing information and pricing before integration.
Related payment resources
Continue with the technical and channel details
GCash wallet payment flow
Go deeper into the payer handoff, order confirmation and exception path for GCash.
Read resourceGCash collection and payout
See how incoming and outgoing orders remain separate while sharing reconciliation records.
Read resourceQR Ph payments
Learn how interoperable merchant QR payments work in the Philippines.
Read resourceCompare Philippines payment paths
Compare wallet, QR and bank-transfer paths by payment direction, confirmation flow, destination and reconciliation model.
Contact support