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
Best For
Southeast Asia Fit
PayMongo is the default Filipino payment gateway for online businesses. Pricing is transaction-based, typically 2.5 to 3.5 percent plus PHP 15 per credit card transaction and 1.5 to 2.5 percent for GCash/Maya. For a Manila Shopify seller, PayMongo unlocks the 60-70 percent of Filipino consumers who pay with GCash, Maya, or OTC instead of credit cards. Stripe in the Philippines covers cards but misses the dominant local rails entirely. Xendit is the cross-border SEA alternative; PayMongo is the right pick for Philippines-domestic operations.
- Philippines
Integrations
- E-commerce
- Lazada
- Shopee
- TikTok Shop
- Messaging
- LINE
- Payment
- QR Ph
- GCash
- Maya
- ShopeePay
- Credit Cards
- Other
- Shopify
- WooCommerce
- Zetpy
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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.