Market specifications

Take a look of all the payment methods available.

Country reference Cards supported APM supported

Cards

Find all the information about the card supported capabilities.

Capabilities Process Card Payments

Alternative Payments

Learn how to integrate cash, bank transfer or wallet payment.

GCash GrabPay Maya Direct Debit Recurring Payments Static Virtual Account Shopeepay

Market specifications

Do you want to know more information about the Philippines' market? Go to the Accelerate Growth in Asia’s Leading eCommerce Hubs article.

Country reference

`country` code	`currency` code	`amount` decimals	`document` name	`document` format	`document` required?
`PH`	`PHP`	2	PSN	12 digits	Yes

Cards supported

`payment_method_id`	Brand ID	Name	`payment_method_type`	Details	Allowed Flows
`CARD`	`VI`	Visa	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`VD`	Visa Debit	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`MC`	Mastercard	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`MD`	Mastercard Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`

ℹ️
To offer all the card options that may be available in your integration, send the payment_method_id as CARD.

Alternative Payment Method supported

`payment_method_id`	Name	`payment_method_type`	Details	Allowed Flows
`GC`	GCash	`TICKET`	Wallet	`REDIRECT`
`GY`	GrabPay	`TICKET`	Wallet	`REDIRECT`
`PM`	Maya	`TICKET`	Wallet	`REDIRECT`
`GW`	Direct Debit	`WALLET`	Wallet	`REDIRECT`
`XU`	Recurring Payments	`WALLET`	Wallet	`REDIRECT`
`VS`	Static Virtual Account ( Via Instapay or PESONet)	`BANK_TRANSFER`	Bank Transfer	`REDIRECT`
`SO`	Shopeepay	`TICKET`	Wallet	`REDIRECT`

Cards

Capabilities

	Visa Credit	Mastercard Credit	Visa Debit	Mastercard Debit
Refunds	Yes	Yes	Yes	Yes
Recurring	No	No	No	No
Chargeback option	No	No	No	No
Chargeback Dispute option	No	No	No	No
Descriptor	Merchant name	Merchant name	Merchant name	Merchant name

How to process Card Payments?

Learn how to process payments with credit and debit cards with dLocal in our Card Payments section.

Alternative Payment Method

GCash

GCash, the leading e-wallet in the Philippines, is a reloadable prepaid card co-branded with Mastercard that enables shoppers to pay via text message, mobile, or desktop. It supports both one-time and tokenized recurring payments.

Capabilities

	GCash
Hard expiration	15 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic GCash redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`PHP` Transaction currency in ISO 4217.	Yes
`country`	String	`PH` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`GC` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 500,
    "currency": "PHP",
    "country": "PH",
    "payment_method_id": "GC",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "123456789012",
        "address": {
            "country": "PH",
            "state": "Manila",
            "city": "Manila",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-39983e50-jhy1-47ed-96fe-d1aa9f799495",
    "amount": 500,
    "currency": "PHP",
    "payment_method_id": "GC",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "PH",
    "created_date": "2023-01-30T19:33:43.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-0e0b5d31-2714-49a1-9987-e4b50d14397c"
}

GrabPay

GrabPay (among the top 4 digital wallets) allows payments for rides, food deliveries, in-store purchases and online shopping, convenient and hassle-free. It supports both one-time and tokenized recurring payments.

Capabilities

	GrabPay
Hard expiration	15 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic GrabPay redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`PHP` Transaction currency in ISO 4217.	Yes
`country`	String	`PH` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`GY` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 500,
    "currency": "PHP",
    "country": "PH",
    "payment_method_id": "GY",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "123456789012",
        "address": {
             "country": "PH",
            "state": "Manila",
            "city": "Manila",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-c90cc244-230b-4a87-jhaq-bb2f2c6cacc8",
    "amount": 500,
    "currency": "PHP",
    "payment_method_id": "GY",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "PH",
    "created_date": "2023-01-30T19:35:43.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-e795ab1d-9597-4afd-7uy6-296ee820e72a"
}

Maya

Maya is also a very popular e-wallet, with millions of users. It supports both one-time and tokenized recurring payments.

Capabilities

	Maya
Hard expiration	30 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic Maya redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`PHP` Transaction currency in ISO 4217.	Yes
`country`	String	`PH` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`PM` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 500,
    "currency": "PHP",
    "country": "PH",
    "payment_method_id": "PM",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "123456789012",
        "address": {
            "country": "PH",
            "state": "Manila",
            "city": "Manila",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-f700d58b-hj76-4dbd-85df-cb8b10060418",
    "amount": 500,
    "currency": "PHP",
    "payment_method_id": "PM",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "PH",
    "created_date": "2023-01-30T19:38:40.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-4b94635e-5070-7uyt-8179-3ac2f3787c61"
}

Direct Debit

Direct Debit is a payment method where end users can register their debit cards or online bank login with a merchant or marketplace to pay for their purchases by making one-time payments.

The recurring option is also available: After a one-time authorization, merchants can pull funds directly from an end user’s bank account.

Capabilities

	Direct Debit
Max. expiration time supported	Depends on the provider.
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The recurring payments option will not require any user interaction besides initial authorization.

The screenshots illustrate a generic Direct Debit redirect flow.
The specifics of the flow can change depending on the payment method selected to complete the transaction. — The screenshots illustrate a generic Direct Debit redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`PHP` Transaction currency in ISO 4217.	Yes
`country`	String	`PH` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`GW` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`payer.phone`	Number	User's phone number.	Yes
`wallet.name`	String	Name of the payer's wallet.	No
`wallet.save`	Boolean	Determines whether you want to receive a wallet token for future payments.	No
`wallet.capture`	Boolean	Determines if you want to capture the payment funds or not.	No
`wallet.verify`	Boolean	Used if you want to enroll the wallet and a token.	No
`wallet.username`	String	Username of the payer's wallet account.	Yes
`wallet.email`	String	Email of the payer's wallet account.	Yes
`wallet.token`	String	Token of a previous payment from the same wallet.	For recurring payments, yes.
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 500,
    "currency": "PHP",
    "country": "PH",
    "payment_method_id": "GW",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "phone": "+628050976593",
        "document": "123456789012",
        "address": {
           "country": "PH",
            "state": "Manila",
            "city": "Manila",
            "zip_code": "88058",
            "street": "Main St.",
            "number": "5940"
        }
    },
    "wallet": {
        "name": "Jane Doe",
        "save": true,
        "capture": true,
        "verify": false,
        "username": "Jane2002",
        "email": "[email protected]",
        "expiration": 60,
        "label": "label",
        "state": "state",
        "token": ""
    },
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "callback_url": "http://merchantsite.com/notification/new",
    "notification_url": "http://merchantsite.com/success_page"
}

{
    "id": "F-4-44b12e48-d414-f5r5-8a86-91c7bcfca86b",
    "amount": 500,
    "currency": "PHP",
    "payment_method_id": "GW",
    "payment_method_type": "WALLET",
    "payment_method_flow": "REDIRECT",
    "country": "PH",
    "created_date": "2023-02-15T14:32:37.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/success_page",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-3b84b016-9o0s-4ba1-9cf7-3d53423f89f8"
}

Recurring Payments

Direct Debit product enables merchants to provide seamless payment flows for their customers and true auto-debit (subsequent payments without OTP) for recurring payments using wallets or bank accounts, reducing drop-off rates from customers.

Capabilities

	Recurring Payments
Max. expiration time supported	Depends on the provider.
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`
Supported wallets	GrabPay, ShopeePay, PayMaya, BPI, Union Bank.

UX Flow

One-time authorization flow

The screenshots illustrate a generic Recurring Payment redirect flow. The specifics of the flow can change depending on the payment method selected to complete the transaction.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`PHP` Transaction currency in ISO 4217.	Yes
`country`	String	`PH` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`XU` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`payer.phone`	Number	User's phone number.	Yes
`wallet.name`	String	Name of the payer's wallet.	No
`wallet.save`	Boolean	Determines whether you want to receive a wallet token for future payments.	No
`wallet.capture`	Boolean	Determines if you want to capture the payment funds or not.	No
`wallet.username`	String	Username of the payer's wallet account.	Yes
`wallet.email`	String	Email of the payer's wallet account.	Yes
`wallet.token`	String	Token of a previous payment from the same wallet.	For Recurring Payments, yes.
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 500,
    "currency": "PHP",
    "country": "PH",
    "payment_method_id": "XU",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "phone": "+638050976593",
        "document": "123456789012",
        "address": {
            "country": "PH",
            "state": "Manila",
            "city": "Manila",
            "zip_code": "88058",
            "street": "Main St.",
            "number": "5940"
        }
    },
    "wallet": {
        "name": "Jane Doe",
        "save": true,
        "capture": true,
        "username": "Jane2002",
        "email": "[email protected]",
        "expiration": 60,
        "label": "label",
        "state": "state",
        "token": ""
    },
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "callback_url": "http://merchantsite.com/notification/new",
    "notification_url": "http://merchantsite.com/success_page"
}

{
    "id": "F-4-3eeed8d5-69cb-4c40-34er-e5667f0804f0",
    "amount": 500,
    "currency": "PHP",
    "payment_method_id": "XU",
    "payment_method_type": "WALLET",
    "payment_method_flow": "REDIRECT",
    "country": "PH",
    "created_date": "2023-02-15T14:04:38.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/success_page",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-continue/M-61acbfe4-c53c-3e42-8968-0011de348568"
}

Static Virtual Account

Static Virtual Accounts (SVA) in the Philippines are fixed account numbers linked to specific merchants or customers, ideal for recurring payments and long-term relationships in B2B and B2C contexts. These accounts do not expire.

Customers can transfer funds from their bank accounts to Static Virtual Accounts using Instapay or PESONet.

Instapay allows real-time fund transfers up to Php50,000 per transaction, while PESONet has no maximum limit and posts transactions after the end of the business day.

Capabilities

	Direct Debit
Min. amount	1 PHP
Max. expiration time supported	No expiry
Notification delay	Immediate
Flow	`REDIRECT`

How to process Static Virtual Account payments?

Learn how to process Static Virtual Accounts with dLocal in our Static Virtual Accounts section.

Shopeepay

ShopeePay is a widely used digital wallet in the Philippines by Shopee, enabling users to store funds and make secure, real-time payments to online merchants. It supports seamless, mobile-friendly checkout and allows for both one-time and tokenized recurring payments, with instant payment confirmation for merchants.

Capabilities

	Shopeepay
Min. amount	1 PHP
Max. expiration time supported	90 Minutes
Notification delay	Immediate
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic ShopeePay redirect flow through a QR code.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`PHP` Transaction currency in ISO 4217.	Yes
`country`	String	`PH` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`SO` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 500,
    "currency": "PHP",
    "country": "PH",
    "payment_method_id": "SO",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "1234567890123",
        "address": {
            "country": "PH",
            "state": "Manila",
            "city": "Manila",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-89b01b6a-e859-4ecf-56ty-f790ccaee1a9",
    "amount": 500,
    "currency": "PHP",
    "payment_method_id": "SO",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "PH",
    "created_date": "2023-01-30T18:39:22.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "u345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://pay.airpay.in.th/h5pay/pay?type=start&app_id=11002330&key=k1QAba529f90f3093b63&order_id=1100356113652&return_url=aHR0cDovL21lcmNoYW50LmNvbS9zdWNjZXNzX3BhZ2U%2FYW1vdWwJmNsaWVudF9pZD0xMTAwMjMzMCZyZWZlcmVuY2VfaWQ9MTEwMDM1NjExMzY1MiZyZXN1bHRfY29kZT0yMDEmc2lnbmF0dXJlPXlYOXJPVFpIOExJajJmazlYbHJZbzBHZE9nWXNTQVNna1RjVWhYb213R2slM0Q%3D&source=web"
}