Remittances

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

You First

Philippine National Bank (PNB; PSE: PNB) is one of the country's largest universal banks, founded by the Philippine government in 1916 and historically the nation's de facto central bank until 1949. Privatized in 1989 and now controlled by the Lucio Tan Group (LT Group), it offers consumer and corporate banking, lending, deposits, investments, trust services, and an extensive overseas remittance network for Filipinos worldwide. In 2025 it posted net income of about ₱25.3 billion with total assets of roughly ₱1.37 trillion.

1916 · Pasay City, Philippines · Public

Philippine pawnshop, remittance and microfinancial services

Cebuana Lhuillier is one of the Philippines' largest microfinancial services providers, operated by PJ Lhuillier, Inc. Under the trade name adopted in 1987 (with roots in the Lhuillier family's Agencia Cebuana pawnshops), it offers pawnbroking, domestic and international money remittance (Pera Padala), microinsurance, micro-loans, micro-savings, bills payment, money changing and e-loading. It serves over 30 million clients through a nationwide network of 2,500+ branches and is part of the PJ Lhuillier Group of Companies.

1987 · Makati City, Philippines · Private

Kwarta Padala, Palaging Sigurado

M Lhuillier Financial Services, Inc. is one of the Philippines' largest non-bank financial institutions, operating the ML Kwarta Padala remittance network through more than 3,000 branches nationwide. Founded in Cebu City in the 1980s by Michel J. Lhuillier, the company grew into a nationwide money-services business. Today it offers domestic and international money transfer (including a Western Union partnership), pawning and quick cash loans, foreign exchange, bills payment for 1,000+ billers, micro-insurance, and the MCash/ML Wallet mobile wallet. It is supervised by the Bangko Sentral ng Pilipinas (BSP).

1992 · Cebu City, Philippines · Private

Payment infrastructure for Southeast Asia

Xendit is a Southeast Asian digital payments company founded in 2015. It provides payment infrastructure that lets businesses — from startups and SMEs to large enterprises — accept and send money across the region. In the Philippines it operates as Xendit Philippines, Inc., offering a payment gateway supporting 30+ local payment methods (cards, e-wallets, bank transfers, over-the-counter), plus payouts, payment links, subscriptions and marketplace tools. It became a unicorn in 2021 and has raised about US$538 million to date.

2015 · Bonifacio Global City, Taguig, Philippines · Growth

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

We Provide Business

PHILTECH (Phil. Technology for Entrepreneurs and Consumers Hub, Inc.) is a Zamboanga City-based financial-inclusion fintech that turns micro-retailers, sari-sari stores, and OFW-backed entrepreneurs into community banking and payment agents. Through its Negosyo Package model and the PHILTECH ATM Go Merchant solution — built on RCBC's ATM Go mobile terminals — partners can offer ATM cash withdrawals, fund transfers, cash-in/cash-out, bills payment, e-loading, and remittance in underserved areas. A BSP-registered Operator of Payment System, it brings everyday digital financial services where bank branches don't reach.

2016 · Zamboanga City, Philippines · Private

Simplifying Payments. Driving Growth.

Ventaja International Corp. is a Filipino fintech founded in 2004 that simplifies payments for overseas Filipino workers and their families. It is one of the Philippine government's largest overseas collection partners for SSS, Pag-IBIG and PhilHealth contributions, and was the first to collect SSS payments electronically from OFWs. Its platform powers 1,000+ counters and kiosks across 69 countries for partners including Metrobank, BDO, RCBC and Landbank. Through its PayRemit brand it offers remittance, e-loading and bills payment for 350+ billers. It is a BSP-registered Operator of Payment System.

2004 · Ortigas Center, Pasig City · 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

Neighborhood payments through a nationwide franchise network

ExpressPay, Inc. is a Philippine multi-service payments company operating an over-the-counter agent and franchise network nationwide. Launched in 2011, it began with a 3-in-1 service (bills payment, local remittance, prepaid e-loading) and expanded into a multi-in-one payment outlet model covering bills payment, money remittance, e-loading, travel and tours, and ticketing. It is a BSP-registered Operator of Payment System and part of the Sagesoft Solutions, Inc. group, with over 1,000 franchised outlets nationwide.

2011 · San Juan, 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

Breaking Barriers with AltPayNet

AltPayNet (AltPayNet Corp.) is a Philippine digital-payments technology provider offering white-label payment gateways, third-party payment processing, merchant acquiring, and fraud and risk-management solutions for businesses across the Philippines and Asia-Pacific. Founded in 2015, it is a BSP-registered Operator of Payment Systems and a principal-member acquirer for Diners Club International, Discover Global Network, and UnionPay International, with integrations including GCash and GrabPay. AltPayNet is PCI DSS Level 1 certified.

2015 · Makati City, Philippines · Private

Cryptocurrency exchanges for emerging economies

Bloom Solutions (Bloomsolutions, Inc.) is a BSP-registered blockchain fintech that uses cryptocurrency as a settlement rail to cut the cost of cross-border money transfer. Operating as BloomX, it runs a B2B remittance-and-FX platform: BloomRemit lets money-transfer operators settle overseas payouts cheaply, BloomX (bloomx.app) is a peso crypto exchange supporting 250+ coins, and BloomX Teller lets money changers retail crypto over the counter. Founded in 2015, it reports powering over US$250M in trades across Southeast Asia. Part of Singapore-based Bloom Technologies Pte. Ltd., led by CEO Israel Philip Keys.

2015 · 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

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

The first digital-only bank in the Philippines, serving OFWs

Overseas Filipino Bank (OFBank) is the first all-digital, branchless bank in the Philippines and a wholly owned subsidiary of state-owned LANDBANK. Relaunched as a fully digital bank in June 2020, it secured the country's first digital banking license from the Bangko Sentral ng Pilipinas on 25 March 2021, converting from a thrift-bank to a digital-bank licence. OFBank serves Overseas Filipinos, OFWs and their beneficiaries worldwide, using its Digital Onboarding System with AI (DOBSAI) for real-time mobile account opening, plus savings deposits, fund transfers, bills payment, remittances and loans.

1906 · Manila, Philippines · Government

Western Union is a global money-transfer company (NYSE: WU) that has served the Philippines since 1990. Filipinos can send and receive international remittances through more than 12,000 agent locations nationwide, the westernunion.com/ph website, and a dedicated Philippine mobile app launched in October 2025 that supports QR Ph payments and both sending and requesting money from abroad. Recipients can collect funds via cash pickup, bank deposit (BDO, BPI, PNB), or directly into mobile wallets including GCash and Maya. The Philippines is one of the world's largest remittance markets, receiving about US$38 billion in 2024 (BSP).

1851 · Makati City, Metro Manila · Public

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

The Digital Clearing House for high-growth markets

Meridian is a cross-border payments infrastructure company that issues U.S. bank account numbers and runs a Real-Time Deposits network, letting Filipinos receive U.S. payroll, ACH, and wire payments in USD and settle to local accounts. Its rails power consumer-facing services through partners rather than a standalone app: it underpins RCBC Pulz's U.S. virtual accounts (launched September 2025) and the GCash Virtual US Account (launched December 2025), enabling freelancers and OFWs to receive dollars and convert to peso. Founded in 2023, Meridian is registered with the BSP as an Operator of Payment System.

2023 · Makati City, Metro Manila · Seed

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

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

Remitly is a digital cross-border money-transfer service and one of the largest remittance providers serving the Philippines, a top global corridor it has prioritized since 2013. Filipinos abroad use the Remitly app to send money home, with recipients receiving funds via GCash and other e-wallets, direct bank deposit, or cash pickup at thousands of pawnshop and agent locations nationwide. It is operated locally by Remitly Philippines, Inc. (a BSP-registered Operator of Payment System with major operations offices in Makati and BGC, Taguig) under parent Remitly Global, Inc. (NASDAQ: RELY).

2011 · Makati, Metro Manila · Public

Your Payment Bridge

SKYPAY is a Philippine payment gateway operated by Skybridge Payment, Inc., a BSP-registered Operator of Payment Systems. It lets businesses accept payments via credit and debit cards, e-wallets such as GCash and Maya, and over-the-counter channels, and disburse funds across thousands of cash-in and payout points. SKYPAY also supports QR Ph merchant acceptance, international remittance, white-label e-wallet, and cross-border payment services. Part of the regional Skybridge Group, it bridges Philippine merchants to fast, secure digital payments.

2018 · Makati City, Philippines · Private

Empowering Communities.

Nationlink is a Philippine interbank ATM and electronic-payments network operated by Infoserve, Inc., a BSP-registered Operator of Payment Systems. It connects rural banks, savings banks, credit unions, cooperatives and NGOs to nationwide ATM and POS services, enabling cash withdrawals, card issuance, fund transfers, bills payment, e-money and domestic and international remittance. As the first network-alliance member of BancNet, it extends affordable and accessible financial services to underserved and rural communities and to overseas Filipinos. Headquartered in Makati City.

2006 · Makati City, Metro Manila · 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