Best WooCommerce Payment Gateways in the Philippines
The Philippines is one of Southeast Asia’s fastest-growing e-commerce markets. With a market size estimated at USD 17.65 billion in 2025 and projected to reach USD 33.65 billion by 2030, Filipino consumers are shopping online more than ever before. Digital wallets like GCash and Maya have crossed a combined 100 million users, and digital payments now account for over 52% of retail transaction volume in the country.
If you run a WooCommerce store in the Philippines, choosing the right payment gateway is a critical decision. The wrong gateway can mean sky-high transaction fees eating into your margins, frustrated customers who can’t pay with their preferred e-wallet, or a checkout process so clunky it sends them straight to your competitor.
In this guide, we break down the best WooCommerce payment gateways actively used by Filipino merchants. We’ll cover their key benefits and ease of setup so you can make an informed decision.
What Is a WooCommerce Payment Gateway?
In WooCommerce, a payment gateway is the system that enables your store to accept payments for products and services. It integrates into your checkout and handles how transactions are processed, verified, and completed.
However, not all gateways are created equal. Some are built specially for the Philippine market and support local e-wallets and online banking. Others are international gateways that may not even work with Philippine stores.
Read on for a full breakdown of each gateway, including benefits and pricing.
1. Direct Payments for WooCommerce (Editor's Pick)
If you’re a Filipino WooCommerce store owner who is tired of losing 3–4% of every sale to payment gateway fees, Direct Payments for WooCommerce by Digages is the plugin you’ve been waiting for.
Direct Payments for WooCommerce works differently from every other gateway on this list. Instead of routing your customer’s payment through a third-party processor (and charging you for the privilege), it lets customers pay you directly via bank transfer, e-wallet, mobile money, cryptocurrency, or peer-to-peer platforms like GCash, Maya, and PayPal. There are zero transaction fees, so what your customer pays, you receive in full.
How It Works for Philippine Store Owners
At checkout, your customer selects Direct Payments for WooCommerce as their payment method. A customizable pop-up displays your payment details, your GCash number, bank account, crypto wallet address, or any other method you’ve configured. The customer sends the payment directly to you. Once you confirm receipt in your WordPress dashboard, the order is processed.
It’s a beautifully simple concept, and it’s particularly powerful for Philippine merchants because:
- GCash is the Philippines’ most popular e-wallet, with over 80 million users, and Direct Payments for WooCommerce supports it natively as a P2P option.
- Local Bank Transfers (BDO, BPI, Metrobank, UnionBank) work seamlessly without needing a special merchant account or API integration.
- You can accept Maya, ShopeePay, or any other local wallet your customers prefer.
- Crypto payments (Bitcoin, USDT, ETH) are supported for tech-forward customers.
- No lengthy KYC approval needed, you can start accepting payments the same day you install the plugin.
Key Benefits
- Zero Transaction Fees: Keep 100% of your revenue with no hidden costs or fees.
- Fast Setup in Under 3 Minutes: Start accepting payments easily without coding, API keys, or developers.
- No KYC or Approval Process: Install the plugin and begin accepting payments immediately.
- Multiple Currencies: Receive payments globally with multi-currency support.
- 100+ Payment Methods Supported: Accept Bank Transfers, GCash, Maya, cryptocurrency, P2P platforms, mobile money and many more
Pricing
Direct Payments for WooCommerce lets you keep 100% of your revenue with no transaction fees or hidden costs. Give your WooCommerce store the freedom to accept payments your way, all set up in under 3 mins – Get started now
2. Paymongo
PayMongo is arguably the most well-known payment gateway purpose-built for the Philippines. Founded locally and backed by Y Combinator, it was designed from the ground up to address the specific needs of the Philippine market — including support for GCash, Maya, QR Ph, local online banking, and over-the-counter payments at convenience stores.
For WooCommerce, PayMongo offers a dedicated plugin (available on WordPress.org) that lets you integrate without writing a single line of code. Once your PayMongo account is verified, you can activate multiple payment channels through a single account — no need for separate agreements with each bank or e-wallet.
Key Benefits
- Accepts Visa, Mastercard, GCash, GrabPay, Maya, BPI, UnionBank, BillEase, and more
- Real-time fraud detection and SOC 2 Type 2 compliance
- Single account, 14+ payment methods — no separate bank partnerships
- WooCommerce plugin installation requires no coding
- Payouts typically take 2–3 business days
- Real-time transaction monitoring and downloadable reports
Pricing
PayMongo charges no setup fees and no monthly fees. Pricing is pay-as-you-go: 3.5% + ₱15 per successful credit/debit card transaction, and 2.9%–3% for e-wallet transactions. International cards carry an additional 1% surcharge. Note that your WooCommerce store must be set to the Philippine Peso (PHP) to use PayMongo.
3. Maya Business (formerly PayMaya)
Maya Business — the merchant arm of Maya Philippines, Inc. (formerly PayMaya) — offers the only end-to-end digital payments solution exclusively designed for Philippine businesses. Regulated by the Bangko Sentral ng Pilipinas (BSP) and backed by Maya Bank, Inc., it carries significant regulatory credibility.
The Maya Checkout plugin for WooCommerce allows store owners to quickly integrate Maya’s payment infrastructure in just a few minutes. Unlike global gateways that treat the Philippines as an afterthought, Maya Checkout was built specifically for this market’s unique payment preferences.
Key Benefits
- Accepts credit cards, debit cards, QR Ph, and a wide range of Philippine e-wallets
- Natively supports the Maya e-wallet — the Philippines’ second most popular mobile wallet
- BSP-regulated and specifically designed for Philippine SMEs and startups
- Sandbox mode available for testing before going live
- Simple plugin installation from the WordPress dashboard — no coding needed
Pricing
Maya Business pricing varies by payment method and business agreement. Merchants need a Maya Business Manager 2.0 account, which requires business registration documents. Reach out to Maya Business directly for a customized pricing proposal.
4. Xendit
Xendit is a Southeast Asian fintech powerhouse originally founded in Indonesia, with a strong and growing presence in the Philippines. It powers payment processing for some of the region’s largest businesses, while remaining accessible to SMEs through straightforward pricing.
For WooCommerce, Xendit offers a dedicated plugin that supports a wide range of Philippine payment methods, including virtual accounts, e-wallets, credit/debit cards, and QR codes. One standout feature is its Dynamic 3D Secure technology, which intelligently applies or skips the additional authentication step based on a card’s historical success rate — boosting approval rates without sacrificing security.
Key Benefits
- Virtual accounts for all major Philippine banks (BPI, BDO, UnionBank, Metrobank, PNB)
- E-wallet support, including GCash, Maya, GrabPay, and ShopeePay
- Credit/debit cards: Visa, Mastercard, JCB, and AMEX
- QR Ph (national QR standard) support
- Dynamic 3D Secure for improved card acceptance rates
- Disbursement services — ideal for marketplaces with multiple sellers
- No setup fee, no monthly fees, no maintenance fees
- Scales across the Philippines, Indonesia, Malaysia, Thailand, and Vietnam
Pricing
Xendit charges no setup, monthly, or maintenance fees. Transaction fees vary by payment method and volume. High-volume merchants can negotiate custom rates. Visit Xendit’s Philippines pricing page for current fee schedules.
5. HitPay
HitPay is a Singapore-based payment gateway with strong support for Philippine payment methods, making it a competitive option for Filipino WooCommerce merchants. It positions itself as a zero-monthly-fee gateway with support for over 700 local payment methods across Asia-Pacific.
HitPay’s WooCommerce plugin installs directly from the WordPress dashboard with no coding required. It supports GCash, QR Ph, BillEase (BNPL), GrabPay, and local Bank Transfers — covering the most popular payment preferences of Filipino consumers.
Key Benefits
- GCash, QR Ph, BillEase BNPL, GrabPay, and local bank transfer support
- 100+ currencies for international transactions in PHP
- Regulated in 6 APAC jurisdictions — backed by Tiger Global and Y Combinator
- Zero setup fees and no monthly costs — pay per transaction only
- Advanced fraud detection and PCI-DSS compliance
- No-code installation from the WordPress dashboard
Pricing
HitPay charges no setup or monthly fees. GCash transactions are charged at approximately 2.3%, making it one of the more competitive options for e-wallet-heavy stores. Card rates are slightly higher. Visit HitPay’s Philippines pricing page for current fee schedules.
6. PayPal
PayPal needs no introduction. As one of the world’s most recognized payment brands, it instills instant trust in customers — particularly international shoppers. For Filipino WooCommerce stores that sell to overseas customers (such as Filipino diaspora communities abroad or international buyers of Filipino products), PayPal remains an important option.
PayPal Payments work well with WooCommerce, and the familiar PayPal button at checkout can significantly increase conversion rates among international buyers who are wary of unfamiliar local gateways.
Key Benefits
- Globally recognized brand — trusted by over 430 million active accounts worldwide
- Accepts credit cards, debit cards, and PayPal balances
- Buyer protection and dispute resolution managed by PayPal
- Native WooCommerce integration — no extra plugin needed
- Supports Multiple Currencies for international sales
- PayPal Pay Later available in select regions
Pricing
PayPal charges 4.4% + a fixed fee per international transaction. For domestic transactions from the Philippines, PayPal accounts, fees may differ. No setup or monthly fees for standard accounts, but volume discounts are available for high-transaction merchants.
How to Pick the Best WooCommerce Payment Gateway for Your Philippine Store
With multiple options available, the right WooCommerce payment gateway depends on your specific business context. Below are the key factors that matter
1. Transaction Fees and Your Profit Margin
Every percentage point directly impacts your bottom line. A 3.5% fee on a ₱1,000 order costs ₱35. At 500 orders per month, that’s ₱17,500 lost to processing fees alone. For stores operating on tight margins, eliminating these fees can significantly improve profitability. Zero-fee solutions become especially valuable when customers are already comfortable paying via bank transfer or mobile wallets.
Winner: Direct Payments for WooCommerce
2. Which Payment Methods Do Your Customers Use?
Payment preference is critical. In the Philippines, GCash and Maya dominate, with mobile wallets accounting for over 64% of e-commerce transaction value. QR Ph adoption is also accelerating. If your gateway does not support these methods, you introduce friction at checkout and risk losing conversions.
Winner: Maya
3. Ease of Setup and Technical Requirements
Not every store owner has development resources. Some gateways require API keys, webhook configuration, and technical setup, while others can be installed and used immediately with no coding. If speed and simplicity are priorities, choosing a no-code or low-setup solution is essential.
Winner: Direct Payments for WooCommerce / HitPay
4. Your Type of Product
Different gateways perform better depending on what you sell. Subscription-based products, digital goods, and services often require features like recurring billing, automated payments, and dispute handling. Some gateways are better optimized for these use cases than others.
Winner: PayPal
5. Onboarding Speed and Business Requirements
Many gateways require business registration documents such as DTI or SEC certificates, along with KYC verification processes that can take days or weeks. Others allow you to start immediately without approvals or compliance hurdles. If speed to launch matters, this becomes a decisive factor.
Winner: Direct Payments for WooCommerce
Conclusion
The best WooCommerce payment gateway for your Philippine store depends on your priorities. Many successful Philippine WooCommerce stores use a combination: Direct Payments for WooCommerce as the primary (zero-fee) option for GCash and bank transfer customers, complemented by an automated gateway for credit card transactions. This hybrid approach maximizes profit margins while ensuring every customer, regardless of their preferred payment method, can complete their purchase.
Ready to start accepting payments with zero transaction fees? Install Direct Payments for WooCommerce today, with setup in under 3 minutes. No API keys, no KYC, no transaction fees.
