List of Online Payment Platforms in the Philippines: 2025 Guide for MSMEs

In 2025, online payments are no longer a luxury — they’re the foundation of how Filipino consumers shop, pay bills, and transact with businesses. From small neighborhood cafés to national online stores, every enterprise needs a reliable online payment platform to process transactions quickly and securely.

This article explores a comprehensive list of online payment platforms available in the Philippines today, their unique features, and how Filipino MSMEs can integrate them seamlessly using Bentamo Hub (BNTM HUB) — an all-in-one business suite built for digital growth.

🏦 What Is an Online Payment Platform?

An online payment platform is a digital service that allows customers to pay for products or services over the internet. These platforms act as secure gateways between buyers, sellers, and financial institutions.

Instead of manually transferring money, customers can pay through e-wallets, credit/debit cards, or online banking — all verified and processed automatically.

For MSMEs, online payment systems make it possible to accept payments from anywhere, boosting convenience and cash flow.

📋 Top Online Payment Platforms in the Philippines (2025 Edition)

Here’s a curated list of the most trusted online payment platforms for businesses in the Philippines — ideal for e-commerce stores, freelancers, and startups.

1. GCash

The most popular mobile wallet in the country, GCash enables users to send money, pay bills, and shop online with ease.

Key Features:

QR code and link-based payments
Bank and card linking
GCash for Business for merchants

Best For: MSMEs, retail shops, freelancers

2. Maya (formerly PayMaya)

Maya is both a digital wallet and an online banking app, offering one of the most versatile payment ecosystems in the Philippines.

Key Features:

Card payments and e-wallet options
Online business accounts for easy tracking
POS integration for hybrid stores

Best For: Online sellers, SMEs with physical stores

3. PayMongo

PayMongo simplifies how MSMEs accept payments online. It integrates credit cards, GCash, Maya, and bank transfers into one payment link.

Key Features:

API and website integration
Instant payment links
Accepts multiple methods (GCash, cards, Maya)

Best For: E-commerce, service-based businesses, digital agencies

4. Dragonpay

A pioneer in Philippine online payments, Dragonpay supports both online and over-the-counter transactions.

Key Features:

Bank deposit and OTC payment options
Integration with e-commerce platforms
Low transaction fees

Best For: Businesses catering to customers without e-wallets

5. Xendit

An advanced payment gateway known for API flexibility and scalability, Xendit is designed for both startups and large enterprises.

Key Features:

Card, e-wallet, and bank transfers
Subscription management
Recurring billing support

Best For: SaaS businesses, large e-commerce stores

6. PayPal

A global online payment leader, PayPal allows cross-border transactions in multiple currencies — perfect for Filipino freelancers and exporters.

Key Features:

International payments
Easy website integration
Buyer and seller protection

Best For: Freelancers, export-oriented MSMEs

7. ShopeePay & LazPayLater

These marketplace-based payment systems are integrated directly into Shopee and Lazada, offering secure in-platform transactions.

Key Features:

Cashback and vouchers
Wallet-to-wallet transfers
Easy checkout integration

Best For: Marketplace sellers

8. Stripe

An international platform offering flexible APIs and customizable payment flows, Stripe is growing in Philippine adoption.

Key Features:

Seamless global integration
Supports digital wallets and cards
Developer-friendly dashboard

Best For: Startups, subscription platforms, tech firms

9. Coins.ph

Originally a crypto wallet, Coins.ph now supports online payments, remittances, and bills, with features for both fiat and crypto.

Key Features:

Crypto and PHP wallet
Bills and mobile load payments
Peer-to-peer transfers

Best For: Digital-first businesses, tech-savvy users

10. Bentamo Hub Online Payments Module

Unlike standalone gateways, Bentamo Hub (BNTM HUB) offers a fully integrated payment system within its business management suite.

Key Features:

Integrated with Finance, POS, and E-Commerce Modules
Supports GCash, PayMongo, and bank integrations
Auto-syncs with accounting and reporting tools

Best For: Filipino MSMEs looking for a centralized, all-in-one business solution

⚙️ How Bentamo Hub Simplifies Online Payments for MSMEs

With so many online payment platforms available, integration often becomes the challenge. That’s where Bentamo Hub stands out.

Developed by BNTM Technologies Inc., a Cagayan de Oro–based innovation company, Bentamo Hub connects your entire business operation — from sales and payments to HR and finance — into one platform.

💼 Bentamo Hub’s Payment Integration Benefits:

Centralized transaction dashboard
Automated recording in the Finance Module
Real-time syncing with Inventory and E-Commerce
Easy customer tracking through the CRM Module
Secure access from any device

With Bentamo Hub, MSMEs don’t need separate systems for payments, accounting, and reports — everything works together automatically.

👉 Learn more or request a demo:
https://www.bentamo.site/contact-us

📚 Why MSMEs Should Adopt Digital Payment Systems

Digital payment platforms aren’t just for tech companies — they’re essential for everyday Filipino businesses.

💡 Key Benefits:

Increased Customer Reach: Accept payments from anywhere in the country.
Reduced Cash Handling: Minimize errors and theft risks.
Better Cash Flow Visibility: Track income and expenses in real time.
Improved Credibility: Customers trust businesses that offer modern, secure payment options.

🔍 FAQs about Online Payment Platforms

1. What’s the best online payment platform in the Philippines?
For flexibility, PayMongo and GCash are top picks. For all-in-one integration, Bentamo Hub offers built-in payment and financial management tools.

2. How do I integrate an online payment system into my website?
Most platforms like PayMongo or Xendit offer plugins and API connections. For MSMEs, Bentamo Hub handles integration seamlessly within its ecosystem.

3. Are online payment platforms secure?
Yes. They use encryption, OTPs, and two-factor authentication for secure processing.

4. Can small businesses use online payment systems?
Absolutely. Platforms like GCash and Maya make it easy for MSMEs to accept payments without complex setups.

5. How does Bentamo Hub differ from PayMongo or GCash?
While GCash and PayMongo process payments, Bentamo Hub connects payments with other business functions — like inventory, accounting, and CRM — in one place.

🌏 Empowering Filipino MSMEs for the Digital Future

As the Philippines moves toward a cashless society, MSMEs that adopt online payment platforms will thrive. By combining these tools within a centralized system like Bentamo Hub, businesses gain better control, accuracy, and customer satisfaction.

Ready to modernize your payment process?
➡️ Discover Bentamo Hub today.