Go Local in the Philippines: Accept GCash and Maya with Finera

Have you ever wondered how accepting GCash and Maya at checkout can significantly boost conversions in the Philippines? Both wallets are now supported through Finera, giving businesses seamless access to two of the country’s most trusted digital payment platforms.

With 81 million active GCash users and over 2.5 million merchants in its network, GCash reaches nearly every corner of the Philippines, according to Fintech News Philippines. Meanwhile, Maya has surpassed 50 million registered users, commanding an increasing share of mobile financial services among digitally native consumers.

Payment Preferences in the Philippines

The Philippines has firmly positioned itself as one of Asia’s most dynamic and fast-growing digital payments markets. As mobile access increases and consumer behaviour shifts online, the country has seen a dramatic rise in the use of electronic transactions for everyday purchases. According to the Bangko Sentral ng Pilipinas (BSP), 57.4% of monthly retail payments by volume and 59.0% by value were processed electronically in 2024. This marks a strong upward trend from 2023, when the country had already surpassed its 50% digitalisation target, a clear sign that digital payments are no longer the exception but the default.

At the centre of this transformation are e-wallets, which have overtaken traditional credit and debit cards in popularity. Platforms like GCash and Maya are now embedded in the daily financial lives of millions of Filipinos, providing convenient access to everything from peer-to-peer transfers and QR payments to bill settlements and online shopping. These wallets are widely accepted across major e-commerce platforms, retail stores, food delivery apps and even utilities, making them indispensable for both consumers and merchants.

What makes these digital wallets so dominant is their ability to deliver fast, seamless and mobile-first checkout experiences. For a country where mobile devices are often the primary gateway to the internet, wallets like GCash and Maya offer an intuitive, reliable payment flow that reduces friction at checkout. Consumers trust them, use them regularly and increasingly expect to see them as payment options, especially when shopping online or via mobile apps.

For merchants, this means local wallet acceptance is no longer a feature, it’s a requirement. Businesses that fail to offer these trusted, familiar methods at checkout risk lower conversion rates, higher cart abandonment and missed opportunities in one of Southeast Asia’s most promising markets.

Why GCash and Maya Dominate Digital Payments in the Philippines

GCash: The Ubiquitous Payment Super App

With over 81 million active users and an ecosystem connecting bill payments, savings, lending, QR scanning and P2P transfer, GCash has become a staple of daily financial life for Filipinos. It’s estimated that 8 out of 10 Filipinos use GCash regularly, making it the most accepted and trusted e‑wallet in the country.

Maya: Digital Banking and Wallet in One

Maya has developed into a full digital banking ecosystem, offering virtual debit cards, savings products, QR payments and micro-lending services. With over 50 million registered users, Maya also commands a 44% share of QR‑PH P2M volume and hosts more than one million businesses via Maya Business. Recognised as the top Philippine digital bank by platforms like Forbes in 2025, Maya is rapidly evolving into a mainstream choice for digital-first consumers and businesses.

It's clear, Filipino consumers expect GCash and Maya at checkout. If those wallets aren’t available, conversion rates and customer trust suffer.

Benefits of Accepting GCash and Maya for Your Business

Is your checkout missing the wallets Filipino shoppers actually use every day?

Allowing customers to pay via GCash or Maya unlocks several strategic advantages:

• Streamlined UX: QR codes or app payments simplify checkout without requiring card details or bank transfers.
• Higher trust: Local wallets enjoy strong brand recognition and trust among both urban and unbanked segments.
• Reduced friction: Faster flows and fewer declined transactions prevent drop-offs and abandoned carts.
  Mobile-first design: Both wallets were built for phones, aligning with the Philippines’ mobile-first e-commerce behaviour.

Given that GCash and Maya control a dominant share of wallet activity and have deep market trust, integrating them into checkout can significantly increase conversion and retention, especially for cross-border merchants and local sellers alike.

GCash & Maya Integration Specifications with Finera

Traffic Types

• FTDs (First‑time deposits), Trusted Transactions

Processing Currency

• PHP (Philippine Peso)

Integration Mode

• HPF (Hosted Payment Form)

This means that businesses can go live accepting GCash and Maya quickly and confidently, with minimal engineering or compliance burden.

How Finera Streamlines GCash & Maya Integration

Finera’s payment orchestration infrastructure now enables seamless acceptance of both GCash and Maya through a single, unified API. Businesses can integrate these wallets without managing multiple PSPs or building custom workflows, everything is preconfigured for fast deployment.

Our platform supports smart routing, allowing transactions to be dynamically directed based on geography, wallet type or card scheme, optimising for cost efficiency, success rates and user preferences. With native support for PHP transactions, QR‑PH compliance and fraud prevention tools, Finera helps you localise your checkout without introducing technical friction.

Integration is straightforward via our Hosted Payment Form (HPF), with built-in handling for first-time deposits (FTDs) and trusted transactions. That means fewer engineering resources required and faster time to market.

By supporting the most widely used payment methods in the Philippines with intelligent infrastructure, Finera lets you offer a localised, mobile-first experience that builds trust, reduces drop-off, and improves conversion from day one.

Accept Local Wallets with Finera and Drive Growth in the Philippines

Ready to transform your payment strategy in the Philippines?

For businesses aiming to reach Filipino shoppers, GCash and Maya are indispensable. More than just payment options, they represent established payment behaviours, boasting widespread daily adoption, trusted brand recognition, and a strong mobile-first presence.

With Finera, you can launch acceptance for both GCash and Maya quickly, using just one integration. That means faster time to market, smarter routing and higher conversion, without added complexity.

Accept GCash and Maya with Finera today to unlock local conversion at scale. Talk to our team to get started.

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