PayMongo
Filipino payment gateway SaaS for Shopify, e-commerce, and SaaS businesses
PayMongo is a Manila-headquartered payment gateway best for Filipino Shopify and WooCommerce merchants, Manila SaaS startups, and cross-border D2C brands selling into the Philippines. Its SEA edge is unlocking GCash, Maya, GrabPay, and OTC channels through 7-Eleven and Cebuana — the rails the 60-70 percent of Filipino consumers without credit cards actually use. The trade-off is Philippines-only coverage and per-transaction fees of 2.5-3.5 percent plus PHP 15 on cards, so high-volume merchants should still negotiate custom pricing.
- ✓Native GCash, Maya, GrabPay acceptance covers the dominant PH digital rails
- ✓OTC payments via 7-Eleven and Cebuana reach unbanked Filipino consumers
- ✓PCI-DSS Level 1 certified with BSP-supervised settlements
- ✓Native Shopify, WooCommerce, Magento plugins remove integration friction
- ×Philippines-only — useless for cross-border SEA merchants
- ×3.5 percent plus PHP 15 card pricing is competitive but not the cheapest
- ×Recurring billing supported but less mature than Stripe Subscriptions
- ×OTC settlement timing depends on bank cutoff schedules
About PayMongo
PayMongo is a Manila-headquartered payment gateway and merchant SaaS that lets Filipino online businesses accept GCash, Maya, GrabPay, credit cards, online banking, and OTC payments through one API and dashboard. Used by 25,000+ Philippine SMEs and Shopify merchants as the local alternative to Stripe (which has limited PH coverage).
Key Features
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Related Analysis & Guides
The questions operators actually ask.
Should I pick PayMongo or Stripe for my Philippines Shopify store?
PayMongo for most Filipino merchants. Stripe covers cards in the Philippines but misses GCash, Maya, GrabPay, and OTC entirely — the rails most Filipino consumers actually use. PayMongo unlocks 60-70 percent of the buyer base Stripe leaves on the table.
Does PayMongo work for cross-border SEA selling?
Not really — PayMongo is Philippines-focused. For multi-country SEA D2C operations, Xendit is usually the cross-border SEA pick. For Philippines-domestic, PayMongo wins on local-rail depth.
Can I use PayMongo for subscription billing?
Yes — PayMongo supports recurring billing for subscription SaaS, though the dunning and retry logic is less mature than Stripe Subscriptions. For Philippine-only SaaS, the trade-off usually still favors PayMongo on local payment-method coverage.