Digital Wallet

#1 Finance Super App

GCash is a Philippine finance super app offering payments, transfers, savings, loans, investments and insurance. Its mobile wallet is operated by G-Xchange, Inc., a subsidiary of Mynt, Inc. Mynt listed on the Philippine Stock Exchange on October 20, 2026 under ticker GCASH after an IPO priced at PHP6.60 per share. The PSE reported PHP60.9 billion in gross proceeds from primary and secondary share sales and PHP441.51 billion in market capitalization at listing. Gross proceeds include payments to selling shareholders and are not all new company capital.

2015 · Taguig City, Philippines · Public

It's everything and a bank

Maya is the Philippines' leading consumer money app — an all-in-one wallet, payments and digital-banking super-app operated by Maya Innovations Holdings (legally Voyager Innovations, Inc.). In one app it offers the Maya wallet, QR payments, a cashback credit card, crypto and investments, plus full banking through Maya Bank — one of six BSP-licensed digital banks — including high-yield savings, Personal Goals, time deposits, and personal and MSME loans, with PDIC-insured deposits. Maya Bank reached profitability in 2025. Backed by PLDT, KKR, Tencent, GIC and IFC, the group has raised ~US$0.7B and reached unicorn status.

2013 · Mandaluyong City, Philippines · Growth

Trusted Crypto Wallet & Exchange

Coins.ph is the Philippines' largest BSP-regulated crypto wallet and exchange, with about 18 million registered users. Founded in 2014, it lets Filipinos buy, sell and use digital currencies, pay bills and send remittances. It is a BSP-licensed Virtual Asset Service Provider and Electronic Money Issuer (and the first VASP granted an Advanced EPFS license). In 2024 it launched PHPC, the first BSP-regulated Philippine-peso stablecoin. Acquired by Gojek in 2019, the company was bought out in 2022 by a group led by CEO Wei Zhou (former Binance CFO) with Joffre Capital, and is now privately held.

2014 · Taguig City, Philippines · Private

The #1 payment method for Philippine e-commerce

ShopeePay is the official e-wallet of the Shopee e-commerce platform in the Philippines, operated by ShopeePay Philippines, Inc., a BSP-licensed Electronic Money Issuer and part of Sea Limited's fintech arm (Monee, formerly SeaMoney). Launched in 2019, it lets users pay for Shopee orders, scan-to-pay at merchants, pay bills, and send or transfer money. It is paired with SPayLater, a buy-now-pay-later and cash-loan service run by SEC-licensed SeaMoney (Credit) Finance Philippines, Inc.

2019 · Mandaluyong City, Philippines · Public

Make every payment rewarding

GrabPay is the financial-services brand built into the Grab super-app in the Philippines. The GrabPay wallet, operated by BSP-regulated GPay Network PH Inc., lets users pay for Grab rides, food and delivery, scan merchant QR codes, check out online, pay bills, buy load, transfer funds and earn GrabRewards, plus PayLater BNPL. Through SEC-licensed Grab Financial Services Philippines, Inc., Grab also offers GrabFinance Quick Cash working-capital loans for merchant-partners and Grab Cash Loan for consumers and drivers. A wholly owned part of NASDAQ-listed Grab Holdings (NASDAQ: GRAB).

2018 · Metro Manila, Philippines · Public

The ultimate fuel tipid app

PriceLOCQ is a Philippine fuel-fintech app that lets motorists and businesses prepay and lock in fuel prices to protect against price hikes, storing purchased liters in a virtual tank for later redemption. Founded by SEAOIL executive Mark L. Yu and operated by LOCQ, Inc., it is the official app for SEAOIL VIP Rewards, with fuel redeemable at 400+ partner SEAOIL stations nationwide. Its LOCQPay digital wallet supports cash-in via cards, online banking and e-wallets, scan-to-pay at stations, rewards, toll RFID top-ups and a PriceLOCQ for Business fleet-fuel platform.

2020 · Pasig City, Metro Manila · Private

Payso is a Philippine e-wallet operated by Payso, Inc., a BSP-registered Operator of Payment Systems. The reloadable peso wallet lets users pay merchants in-store and online, send and receive money, settle bills, and cash in or out through partner agents. Built for everyday cashless payments, Payso connects consumers and merchants through a single mobile app with QR-based acceptance.

2021 · Taguig City, Philippines · Private

Remit. Bayad. Bili.

POSIBLE is a Filipino fintech platform operated by Action.Able, Inc. that turns sari-sari stores, loading stalls and small retailers into community touchpoints for digital financial services. Through a tablet device and app, accredited agents offer bills payment, e-money cash-in and cash-out (GCash, Maya, Coins.ph and others), prepaid load and RFID reloading, e-PINs, insurance and money remittance. Founded in 2016 and a BSP-registered Operator of Payment Systems, POSIBLE runs a B2B2C agent network focused on financial inclusion for underserved communities across the Philippines.

2016 · Makati City, Metro Manila · Private

Toktokwallet Inc. is the BSP-licensed e-wallet and fintech arm of TokTok, a homegrown Filipino super-app. It lets users cash in, transfer funds, send money to other toktokwallet accounts, pay bills, buy mobile load (toktokload) and scan-to-pay via QR, and serves as the in-app payment rail for TokTok's delivery, food and marketplace services. A registered Electronic Money Issuer and Operator of Payment System, it extends digital payments across the TokTok ecosystem, which has surpassed two million app downloads.

2020 · Makati City, Metro Manila · Private

MarCoPay (Maritime Community Pay) is a BSP-licensed e-money platform built for Filipino seafarers and their families. Its dual-currency e-wallet lets crew receive digital salaries onboard, convert currencies, send remittances, make zero-fee peer-to-peer transfers, and access loans, insurance, investments and an in-app e-market. Founded in 2019 by Japanese shipping line NYK and the Transnational Diversified Group (TDG), it later drew investments from Marubeni Corporation and MUFG Bank.

2019 · Bonifacio Global City, Taguig · Private

Your finances in an app. Your future in a tap.

Moneygment is an all-in-one financial app by Togetech, Inc. that lets Filipinos send money, pay bills, and compute, file, and pay their government contributions (SSS, PhilHealth, Pag-IBIG) and taxes from their phone. Built for freelancers, the self-employed, OFWs, small-business owners, and the unbanked, it also offers loan payments, real-property-tax processing, and insurance and investment options. Togetech is a BSP-registered Electronic Money Issuer and Operator of Payment Systems, and a subsidiary of IT firm Nessotech, Inc.

2017 · Makati City, Philippines · Private

The Philippines' largest outsourced bills payment network

Bayad, formerly Bayad Center, is the Philippines' pioneer and leader in outsourced payment collection, operated by CIS Bayad Center, Inc., a wholly-owned subsidiary of Meralco. It aggregates 500+ billers accessible through 100,000+ physical and digital touchpoints nationwide. Following its 2021 rebrand from Bayad Center to Bayad, it expanded from over-the-counter bills payment into a full-service fintech, launching the Bayad app and Bayad Online with remittance, e-load, e-wallet (Pera Manager) and real-time Meralco posting. It is BSP-registered as an Operator of Payment System and a Remittance and Transfer Company.

2006 · Pasig City, Metro Manila · Private

USSC (Universal Storefront Services Corporation), also known as "U," is a homegrown Philippine financial-services retailer offering domestic and international remittance, bills payment, currency exchange, cash-in/cash-out, prepaid cards and e-wallet services. Tracing its roots to 1958 and relaunched under the USSC brand in 2005, it serves customers through 700+ branches and 1,000+ partner locations nationwide plus the U mobile app. Its subsidiary, USSC Money Services, Inc., is a BSP-licensed Electronic Money Issuer, extending digital wallet and payment services to millions of Filipinos, including the unbanked.

2005 · Cubao, Quezon City, Metro Manila · Private

Stay connected, Earn connected

TopWallet is a blockchain-enabled mobile e-wallet operated by TopJuan Technologies Corporation, holding both Electronic Money Issuer (EMI) and Virtual Asset Service Provider (VASP) registrations from the Bangko Sentral ng Pilipinas. It lets Filipinos send money, pay bills, buy load, shop, save and buy or sell cryptocurrency in one app, with support for the national QR Ph standard. The platform serves both consumers and businesses through a nationwide network of cash-in and cash-out points and accredited billers.

2019 · Manila, Metro Manila · Private

Enabling enablers to drive open finance and digital inclusion.

Traxion Pay is a BSP-supervised Electronic Money Issuer and payments platform built for Philippine businesses, cooperatives and institutions. Operated by Traxion Pay Inc. with tech sister-company Traxion Tech Inc. (founded 2015), it offers a fintech-as-a-service stack: a no-code payment gateway and API, QR Ph acceptance, e-wallet and Wallet-as-a-Service, bulk disbursement, bills payment, Phygital QR cards and QR-driven Cash Teller Machines. Traxion also provides the enterprise infrastructure behind partner wallets. Headquartered in Pasig City, with a Davao City office.

2015 · Pasig City, Metro Manila · Private

OmniPay (Omni Pay, Incorporated, formerly PVB Card Corporation) is a BSP-licensed non-bank electronic money issuer and prepaid-card pioneer based in Makati. It was the first non-bank EMI supervised by the Bangko Sentral ng Pilipinas and the first non-bank participant in the BSP's PhilPaSSplus real-time gross settlement system. OmniPay is a principal issuer-acquirer for JCB and UnionPay, an e-commerce acquirer for Discover and Diners Club, the first EMI affiliate of the BancNet network, and a Eurogiro member. Its OmniPay Mobile App lets cardholders manage funds and cards, send money to other banks, and pay via QR Ph.

2009 · Makati City, Metro Manila · Private

Saripay is the digital financial-services platform of G2M Fintech Corporation, part of the GrowSari group, built for Philippine micro and small retailers — sari-sari stores, botikas and carinderias. Through its business wallet, QR Ph acceptance and the ELista buy-now-pay-later inventory-financing program, Saripay lets storeowners accept cashless payments, pay suppliers, buy load and settle bills. It serves GrowSari's nationwide network of 250,000+ MSMEs. G2M Fintech Corporation is a BSP-registered Operator of Payment System.

2023 · Bonifacio Global City, Taguig · Private

A digital wallet for every juan!

AllEasy, Inc. operates the AllEasy Pay e-wallet, a BSP-licensed electronic money issuer (EMI-NBFI) and registered Operator of Payment Systems that is part of the Villar Group ecosystem. Launched in 2020, the app lets users send money, pay bills and QR merchants, buy mobile load, cash in and out, and load toll RFIDs, with Standard and Plus account tiers. Headquartered in Las Piñas City, AllEasy has been promoted across Villar-group businesses such as Bria Homes and Camella, and is on the BSP's EMI registry as of May 2026.

2019 · Las Piñas City, Metro Manila · Private

Bringing Peso Power to Every Juan

MegaPay is a Philippine digital payments app operated by Backend Solutions and Technologies, Inc. It turns a smartphone into a mobile loading and payments station — letting users buy prepaid load for all networks, pay bills (utilities, telco, broadband, cable, credit cards), transfer funds to other MegaPay users by mobile number or QR, shop cashless, and earn rewards through MegaRewards and MegaRefer. The company is registered with the Bangko Sentral ng Pilipinas as an Operator of Payment System and is headquartered in Makati City.

2020 · Makati City, Metro Manila · Private

Pouch is the Philippines' first Bitcoin Lightning Network wallet, founded in 2022 by Ethan Rose. It lets merchants accept Bitcoin via QR with no FX-volatility exposure — Pouch converts BTC to pesos and settles to the merchant's bank or e-wallet — and powers low-cost cross-border remittances over Lightning, including PH-to-US "Send Globally" transfers and Batch Pay for payroll. It anchors the Boracay "Bitcoin Island" initiative (250+ merchants) and reported 400+ merchants nationwide by 2023. It is a BSP-registered Operator of Payment Systems.

2022 · Cebu City · Seed

Lazada Wallet (also Lazada Payments) is the e-money wallet inside the Lazada shopping app in the Philippines. Operated by AIPH Merchant Services, Inc. (formerly Alipay Philippines, Inc.), a BSP-licensed Electronic Money Issuer, it lets shoppers store funds for cashless checkout, receive refunds and cashback, and apply vouchers on Lazada. Users can top up via cards, bank transfer or over-the-counter partners. AIPH Merchant Services is part of the Alibaba Group, which owns both Lazada and the Alipay payments business.

2017 · Bonifacio Global City, Taguig · Private

Your Payment Solutions Expert

FlashPay is a Bangko Sentral ng Pilipinas-licensed Electronic Money Issuer and registered Operator of Payment System, serving as the Philippine fintech and payments arm of Flash Group, the Thai-founded e-commerce logistics group behind Flash Express. It provides merchant-focused digital payment solutions including QR Ph, over-the-counter collection, e-wallet payments, payouts, internet banking and cross-border payments, supporting the digital transformation of Philippine merchants. It is based in Taguig City.

2021 · Taguig City, Metro Manila · Private

Pitaka ng Bayan

Starpay Corporation is a Pasig City fintech operating the Starpay e-wallet ('Pitaka ng Bayan'), licensed by the BSP as an electronic money issuer and registered operator of payment systems. The app offers cash-in/out, InstaPay and QR Ph transfers, bills payment, e-load, and inbound remittances via UniTeller, alongside Starpay Business merchant services. Founded in 2012, it grew from ~600,000 to nearly 10 million users between 2020 and 2024, partly through its role as one of the financial service providers tapped by the DSWD to disburse Social Amelioration Program aid in 2020-21.

2012 · Pasig City, Metro Manila · Private

Digital wallet and payments for everyday transactions

Ecashpay Asia, Inc. is a Bangko Sentral ng Pilipinas-supervised electronic money issuer and payment service provider based in Quezon City. It operates an e-wallet and payment platform offering fund transfers, online remittances, bills payment, prepaid e-loading, and card-based and cross-border payment acceptance for merchants. The company is a member of Philippine Payments Management Inc. (PPMI) and a participant in the InstaPay real-time fund-transfer network, and is a PCI-DSS-certified service provider.

2023 · Quezon City, Metro Manila · Private

konek2CARD is the mobile-banking and agent-banking platform of the CARD MRI microfinance group, operated by FDS Asya Philippines, Inc., a BSP-registered Electronic Money Issuer and joint venture between CARD MRI Holdings and Singapore's Fortress Data Services. It lets clients of CARD Bank, CARD SME Bank, CARD MRI Rizal Bank and CARD Inc. (NGO) do savings, fund transfers, loan payments, bills payment and cash-in/out via smartphone or community-based agents, advancing rural financial inclusion. It has surpassed two million registered users and roughly 18,000 agents.

2016 · Makati City, Metro Manila · Private

RePay your Bills the Smartest Way!

RePay is a Philippine digital wallet and financial-services app built for overseas Filipino workers and their families. It combines remittances, bills payment with scheduling and reminders, savings, and the ability to invest in local businesses in one mobile app. RePay Digital Banking Solutions Inc. is a BSP-registered Operator of Payment System and has formalized a collaboration with UnionBank of the Philippines to support its banking and digital capabilities. It targets corridors with large OFW and Filipino-immigrant populations, including Singapore, the United States, Canada, the UAE, and Saudi Arabia.

2023 · Philippines · Private

Know where your money goes!

TayoCash is a Philippine mobile e-wallet operated by TayoCash Incorporated, a non-bank Electronic Money Issuer licensed and supervised by the Bangko Sentral ng Pilipinas (BSP) and registered with the Anti-Money Laundering Council. It turns a smartphone into a digital wallet for sending money, paying bills, buying prepaid load and shopping, with cash-in and cash-out through a nationwide partner network. Aiming to bring financial services to every Juan and Maria, it is part of the broader Philippine digital-payments ecosystem.

2019 · Pasig City, Metro Manila · Private

Money without borders

Wise (formerly TransferWise) is a global cross-border money platform that launched in the Philippines in May 2024 through its BSP-licensed entity, Wise Pilipinas, Inc. Filipinos can open a Wise Account to receive money from abroad in 20+ currencies, hold and convert 40+ currencies at the mid-market rate, and spend in 160+ countries with the Wise card. Customers can send pesos to local banks and e-wallets including GCash, Maya, GrabPay and ShopeePay. Wise has direct access to InstaPay and a BSP settlement account. Globally it serves over 13 million customers and is listed on the London Stock Exchange.

2011 · Makati City, Metro Manila · Public

Go Cashless, Live Priceless

TOP.ph (The Orange Platform) is a Filipino-made digital wallet and lifestyle payments app from The Orange Company Inc., a BSP-registered Operator of Payment System. The app lets users store e-money, send and receive money, cash in and out, buy prepaid load, and pay bills and utilities, with a partner-merchant network and a linked ATM/physical card option. It positions itself around financial inclusion — serving unbanked Filipinos and narrowing the financial-literacy gap — and runs BSP-compliant KYC onboarding. It is available on Android, iOS, and Huawei AppGallery.

2021 · Metro Manila, Philippines · Private

Digipay is a Philippine B2B digital-payments and financial-services platform operated by FSG Technology Ventures, Inc. (a subsidiary of FSG Capital, Inc.). Launched in 2017, it turns sari-sari stores and small businesses into agent outlets ("digitindahan") that earn commissions by offering bills payment, e-load, e-pins and gaming credits, mobile-money cash-in (such as GCash and Maya), remittance and microinsurance via web or mobile app on behalf of customers. Digipay is a BSP-registered Operator of Payment System used across tens of thousands of merchant locations nationwide.

2017 · Mandaluyong City, Metro Manila · Private