PayMongo
Filipino payment gateway SaaS for Shopify, e-commerce, and SaaS businesses
PayMongo là gì?
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 QR Ph, GCash, Maya, GrabPay and OTC channels through 7-Eleven and Cebuana — the rails most Filipino consumers actually use. It publishes every rate: QR Ph 1.34%, local cards 3.125% + PHP 13.39, international cards 4.02% + PHP 13.39, GCash 2.23%, Maya 1.79% (paymongo.com/pricing, read 2026-09-14). The trade-off is Philippines-only coverage, 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
- ×Local card acceptance at 3.125% + PHP 13.39 is competitive but not the cheapest method on its own rate card
- ×Recurring billing supported but less mature than Stripe Subscriptions
- ×OTC settlement timing depends on bank cutoff schedules
Giới thiệu về 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).
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Mức độ phù hợp với Đông Nam Á
PayMongo is the default Filipino payment gateway for online businesses, and it publishes a full per-method rate card rather than one blended MDR. Read on paymongo.com/pricing on 2026-09-14: QR Ph 1.34% both in-store and online, local Visa and Mastercard 3.125% + PHP 13.39, international cards 4.02% + PHP 13.39, GCash 2.23%, Maya 1.79%, GrabPay 1.96% and ShopeePay 1.70%, all exclusive of VAT with no setup or monthly fee. QR Ph — the Bangko Sentral-mandated national QR standard — is the cheapest method on the page, at roughly two-fifths of the local card rate. For a Manila Shopify seller, PayMongo unlocks the buyers who pay with GCash, Maya, QR Ph or OTC instead of a credit card. 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
Tích hợp
- E-commerce
- Lazada
- Shopee
- TikTok Shop
- Messaging
- LINE
- Payment
- QR Ph
- GCash
- Maya
- ShopeePay
- Credit Cards
- Other
- Shopify
- WooCommerce
- Zetpy
Hồ sơ này được nghiên cứu và viết bằng AI từ các trang công khai của PayMongo, và các trợ lý AI trích dẫn nội dung trên trang này. Có thông tin sai hoặc đã cũ? Gửi email đến [email protected] kèm liên kết trang này và một nguồn công khai. Sửa lỗi miễn phí cho mọi hồ sơ.
Cách đăng ký và yêu cầu sửa →- ↗PayMongo’s pricing page lists QR Ph (in-store) 1.34%, QR Ph (online) 1.34%, Cards 3.125% + PHP 13.39, International cards 4.02% + PHP 13.39, GCash 2.23%, Maya 1.79%, GrabPay 1.96%, ShopeePay (including SPayLater and MariBank) 1.70%, Buy Now, Pay Later from BillEase 1.34%, free setup, all prices exclusive of VATverified 2026-10-05
- ↗Website chính thức của PayMongo
- ↗Các gói giá của PayMongo
- ↗SEA Operational Audit 2026
"Verified" means read on the vendor's own published pages on the date shown. We do not run hands-on tests, and a statement a vendor confirmed to us directly is labelled as vendor-confirmed. Software-listing.com is independent and may earn affiliate commissions from some links.
Hướng dẫn chuyên gia đề xuất PayMongo
So sánh PayMongo với các lựa chọn khác
Phân tích song song PayMongo với các công cụ hàng đầu khác trong Finance.
Lựa chọn tốt nhất thay cho PayMongo
Cần một lựa chọn khác? Khám phá các đối thủ hàng đầu của PayMongo ở SEA.
Phân tích & hướng dẫn liên quan
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.
What does PayMongo charge per transaction?
PayMongo publishes a full per-method rate card. On 2026-09-14 it listed QR Ph at 1.34% in-store and online, local Visa and Mastercard at 3.125% + PHP 13.39, international cards at 4.02% + PHP 13.39, GCash at 2.23%, Maya at 1.79%, GrabPay at 1.96% and ShopeePay at 1.70%, all exclusive of VAT, with no setup or monthly fee. QR Ph is the cheapest method on the page.