Best Free Online Payment Methods in the Philippines

Best Free Online Payment Methods in the Philippines

Are you new to Cebu and looking for the best free online payment methods in the Philippines? Free online payment methods make online shopping easy. So I’m sure you’re not the only one wanting to find out what modes of payment in online shopping you can use without getting out of your pajamas.

Credit cards used to be the only online payment method in the Philippines until these new payment gateway providers came along. If you are an online business owner, setting up your website to automatically accept these payment methods can increase your sales. And if you are an online shopper, using these free online payment methods offers convenience and security because they are DTI-approved.


GCash is the first-ever free online payment method in the Philippines to offer the Customer Protect Program, keeping your money safe from scammers and fraudulent transactions. But as the account owner, you must still observe online shopping safety measures.

With G-Cash, you can send money to fellow G-Cash account holders. You can also use the Send Money To Bank Account feature to transfer funds from your G-Cash wallet to G-Cash partner banks. Currently, G-Cash charges a ₱15 fee per send-to-bank transaction, but G-Cash to G-Cash transactions are free.

 G-Cash isn’t only the best online payment method in the Philippines; it also lets you buy loads from the app, donate to charity, pay bills, purchase life insurance, get a loan, invest, and save money. Merchants can receive payments through in-store QR and payment links.

Tip: You can receive ₱50 G-Cash when you sign up using my referral link. Full disclosure: I get ₱50, too, enough for a cup of Abaca’s Americano.

mode of payment in online shopping


Maya, formerly known as PayMaya, allows you to shop at online stores and websites accepting Visa or Mastercard payment methods. Like G-Cash, Maya also has virtual and physical cards you use like any other credit card. 

When you sign up, you instantly get a Maya virtual Visa card. If you prefer Mastercard, you can purchase the physical card online at or these stores: 

  • The SM Store Business Services (2nd floor of SM City Cebu near Kultura)
  • Robinsons Department Store Business Centers
  • Select Padala Agents nationwide

To register, download the free Maya app from the Google Play Store, Apple App Store, or Huawei AppGallery. Once installed, the app will prompt you to sign up and enter your name, mobile number, date of birth, and email address.

Recently, Maya added more features to their app, including Maya Crypto and Maya Savings. They also offer Maya Credit, a virtual credit line to qualified users, allowing you to borrow up to P15,000 using the app.

Are you signing up for Maya? Kindly do this broke writer a huge favor and use my referral link.

You might also want to read Online Shopping in PH: How Deliveries Work


GrabPay is an online payment method developed by Grab Holdings Inc., a Singaporean tech company. Grab evolved from being the Philippines’ #1 ride-hailing app into a super-app that lets you order food, buy airtime load, buy groceries, transfer funds, and more.

Many eCommerce sites in the Philippines accept GrabPay. Just look for the GrabPay payment button when you shop online. Some online merchants that accept GrabPay:

  • Zalora
  • BeautyMnl.
  • Shein
  • Harlan+Holden
  • Watsons
  • ShopSM
  • Rustan’s
  • Kimstore
  • Kultura
  • The SM Store
  • Power Mac
  • Silicon Valley

Brick-and-mortar stores where you can use GrabPay:

  • Ace Hardware
  • Decathlon
  • H&M
  • S&R
  • SM Supermarket
  • Starbucks
  • Uniqlo
  • Watsons

Adding money to your GrabPay account is easy with a linked debit or credit card. You can also connect your bank account and top up your GrabPay Wallet in just a few taps. Another way you can cash in your Grab Wallet is through Grab drivers. When you book a ride and come across a pop-up that says “Cash In With Driver,” you can give the driver cash in exchange for GrabPay Wallet funds. 

Or you might want to top up at the following stores :

  • 7/11 via CliQQ machines
  • ECPay
  • SM Business Centers
  • LBC
  • Cebuana Lhuillier
  • Robinsons Business Centers
  • Bayad Centers

There are also ATM kiosks all over the metro that lets you feed your GrabPay Wallet. There’s one inside Ayala Malls Central Bloc in IT Park, right outside Daiso.

Don’t carry around a huge amount of cash in Cebu! Read “Keeping Cash Safe In Cebu” right away!

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