GCash native direct and QR scan at 1.45% collection, payouts at 0% plus 7 PHP, D+0 around the clock, settled in PHP or USDT. A first-hand local channel, run by one partner alongside the rest of your markets.
One rail, two payout paths: automated for the everyday flow, manual for the large ones.
| Rail | Collection | Payout | Limits | Currency | Settlement |
|---|---|---|---|---|---|
| GCash Native Direct / QR Scan | 1.45% | 0% + 7 PHP | Collection 100 – 50,000 PHP · Payout (API) 100 – 50,000 PHP | PHP | D+0 PHP / USDT |
| Manual large payout | — | 0% + 7 PHP | 50,000 – 1,000,000 PHP · instant arrival | PHP | D+0 PHP / USDT |
The Philippines skipped a generation of retail banking. A very large share of the adult population has never held a credit card and many have never held a traditional current account, but almost everyone with a smartphone holds a mobile wallet. That wallet is overwhelmingly GCash, with Maya a distant second.
Salaries, sari-sari store purchases, jeepney fares, utility bills, and remittances from abroad all land in the same app. When a Filipino player funds a gaming account or a retail trader tops up a broker balance, the money moves out of that wallet, not off a Visa card. Any cashier that does not lead with GCash is asking the customer to solve a problem they have no reason to solve.
Remittance is the second thing to understand. The Philippines is one of the largest remittance-receiving economies in the world, and the domestic payments stack was built around receiving money from overseas and cashing it out locally through wallet networks, pawnshop-style cash-out agents, and instant transfer rails such as InstaPay and PESONet, which the Bangko Sentral ng Pilipinas oversees.
That has two consequences for an operator. First, users are completely comfortable with peer-to-peer style transfers and reference numbers, so a QR scan or a direct wallet debit converts far better than a hosted card page. Second, cash-out infrastructure is dense, which is why a payout rail that reaches a wallet balance in minutes feels normal to the end user rather than exotic.
Mainstream international PSPs serve high-risk verticals here poorly for the usual reasons and one local one. The usual reasons: gambling, CFD trading, and funded-trader challenge fees sit on the prohibited lists of every global aggregator, and international card acquirers will not underwrite them.
The local one: the Philippine regulatory picture around offshore gaming has been repeatedly rewritten, banks have de-risked accordingly, and wallet operators, supervised as electronic money issuers by the central bank, police merchant categories directly.
A global gateway with a Philippine entity will therefore either decline you at underwriting or drop you later. That failure mode pushed most operators onto locally sourced channels in the first place. Brokers running our forex payment gateway hit the same wall from the other direction: peso deposits are easy to collect and very hard to keep collecting through a mainstream provider.
Currency. The peso itself is convertible and floats, so there is no exotic FX barrier. The problem is timing. Peso balances sitting in a local account are exposed to whatever a bank's risk team decides on a Tuesday. Taking settlement in USDT the same day converts an account-freeze risk into an execution question.
Traffic shape. Plan for low average tickets, high transaction counts, a heavy withdrawal ratio, and a payout rail that must work at 2am on a Sunday, because that is when Filipino consumers are online.
Everything below comes from the current Philippines rate card.
Collection runs through GCash native direct connection or QR scan at 1.45%, accepting 100 – 50,000 PHP per transaction. Native direct suits an embedded cashier; QR scan suits users who prefer to open the wallet app and scan.
Payouts cost 0% plus a flat 7 PHP per transaction and run D+0, 24 hours a day. API automatic payouts of 100 – 50,000 PHP arrive in 3 to 5 minutes. Manual large payouts cover 50,000 – 1,000,000 PHP with instant arrival.
Settlement is same-day. Payout options are PHP to PHP and PHP to USDT, so pesos collected today can leave as USDT today — no correspondent banking wait and no overnight balance sitting in a local account.
Operators expanding across the region usually add these next. Each page carries its own published rate card.
Vertical, average ticket, monthly volume — that is enough for us to confirm limits, payout path and current channel status.
Message ZenexPay on TelegramDirect line to the team that runs the channels — not a sales layer.