Paynamics
Philippines-native payment gateway covering GCash, Maya, credit cards, and 50+ local payment channels
Paynamics is a Philippines-native payment gateway best for enterprise PH merchants, marketplace platforms, and fintech startups building embedded finance products on a BSP-regulated layer. Its SEA edge is one integration covering 50+ Philippine payment channels including GCash, Maya, ShopeePay, cards, OTC, and installments, plus a DGATE mass-payout API for marketplace disbursements. The trade-off is no public pricing and a smaller review base than PayMongo, so SMEs should evaluate procurement effort against simpler alternatives.
- ✓50+ PH payment channels through one integration including GCash, Maya, ShopeePay
- ✓DGATE mass payout layer covers marketplace seller and agent disbursement
- ✓BaaS layer enables fintech startups to build embedded finance products
- ✓BSP-regulated with PCI-DSS and 3DS card authentication
- ×No public pricing — quotes require sales conversation
- ×Reviews count smaller than PayMongo, signaling less SME mindshare
- ×No free tier for early-stage merchants to test the integration
- ×Best fit for enterprise and marketplace, overkill for solo Shopify sellers
About Paynamics
Paynamics is one of the Philippines' most established payment gateways, processing card payments, e-wallets (GCash, Maya, ShopeePay), online banking, over-the-counter, and installment transactions through a single API. It also offers mass payout, business wallet, and Banking-as-a-Service (BaaS) capabilities for platforms that need to disburse funds to sellers, freelancers, or agents. Regulated by the Bangko Sentral ng Pilipinas (BSP), it's a trusted choice for enterprise and mid-market merchants.
Key Features
Best For
Southeast Asia Fit
In the Philippines, GCash and Maya together account for the majority of digital payment volume, and Paynamics gives merchants one integration point to accept both alongside cards and OTC—crucial for reaching Filipino consumers who may not have credit cards but always have their e-wallets loaded. For companies entering the Philippine market, Paynamics is a well-regulated technical option with BSP oversight and a straightforward API.
- SEA
Integrations
- Payment
- GCash
- Maya
- ShopeePay
- Other
- API
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Related Analysis & Guides
Expert Guides Recommending Paynamics
The questions operators actually ask.
Should I pick Paynamics or PayMongo for my Philippines store?
It depends on scale. PayMongo is the friction-light pick for SME Shopify and WooCommerce merchants. Paynamics fits enterprise volume, marketplace platforms needing payouts, and fintechs building embedded finance — its DGATE and BaaS layers are real differentiators.
Does Paynamics support marketplace seller payouts?
Yes — the DGATE mass-payout gateway is built for real-time crediting to bank accounts and e-wallets, which fits marketplace and platform companies disbursing to multiple sellers, agents, or freelancers.
Is Paynamics BSP-regulated?
Yes — Paynamics is regulated by Bangko Sentral ng Pilipinas with PCI-DSS compliance and 3DS card authentication, which matters for enterprise procurement and regulated industries like financial services.