What is the most popular way to pay online in the Philippines?
E-wallets, led by GCash and Maya, are the main digital method. GCash had 41.5 million monthly active users in Q2 2026. Cash on delivery still accounts for about 23% of e-commerce payments, so most merchants keep it next to wallets and cards.
In detail
E-wallets, led by GCash and Maya, are the main digital payment method in the Philippines. GCash reported 41.5 million monthly active users in the second quarter of 2026, and 76% of households had at least one e-money account in 2025.
Cash still has a large share
Cash on delivery accounts for about 23% of e-commerce payments, the highest share in Southeast Asia according to Xendit. Over-the-counter payments let shoppers pay an online order with a reference at a convenience store, pawnshop or payment center.
The rest of the checkout
- QR Ph, the national QR code, which any wallet or banking app can pay.
- InstaPay bank transfers, up to PHP 50,000.
- Cards, mostly debit and prepaid, with credit cards a niche.
- Installments from GCash GGives, BillEase, Atome and Home Credit.
Digital payments reached 64.7% of retail payment volume in 2025, against 10% in 2018.
What it means for payment operators
A checkout in the Philippines needs wallets, QR Ph and cash options side by side. Operators serving Filipino merchants can connect local providers for each once, then activate the right mix per merchant, so that cardless shoppers can complete their purchase.