PayMongo Fee Calculator
Calculate exact GCash (2.23%), QR Ph (1.34%), Maya, Credit Cards (3.125% + ₱15), and gross-up invoices in PHP.
Client Invoice Message Generator (Philippines) ▼
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
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Frequently Asked Questions (PayMongo Philippines)
What is PayMongo and why is it popular in the Philippines? ▼
PayMongo is the premier developer-friendly payment gateway in the Philippines, backed by Y Combinator. It enables e-commerce stores, Shopify, and WooCommerce merchants to accept GCash, Maya, QR Ph, and credit cards through a single unified API.
What are PayMongo's fees for GCash vs Credit Cards? ▼
GCash and GrabPay payments cost 2.23% flat with zero fixed fee. Credit and debit cards cost 3.125% + ₱15.00 per transaction. QR Ph is the cheapest digital rail at just 1.34%.
How do I calculate a Gross-Up invoice in Philippine Peso (PHP)? ▼
For credit cards (3.125% + ₱15.00), to receive exactly ₱5,000.00 net: Gross = (5,000 + 15) / (1 - 0.03125) = ₱5,176.88. Charging ₱5,176.88 guarantees ₱5,000 net in your Philippine bank account.
What payout schedules does PayMongo offer in the Philippines? ▼
PayMongo settles funds into local Philippine bank accounts (BDO, BPI, UnionBank, Metrobank, GCash) on a weekly rolling schedule every Wednesday with zero payout fees.
Frequently Asked Questions
What are official PayMongo payment processing rates in the Philippines in 2026? ▼
In the Philippines, PayMongo charges 3.50% + ₱15.00 PHP for domestic credit cards, 2.00% to 2.50% flat for GCash and Maya e-wallets, 1.50% for direct online bank transfers (BPI, UnionBank), and 2.00% for over-the-counter retail cash.
Why are GCash and Maya essential payment methods for Philippine e-commerce? ▼
Over 70% of digital transactions in the Philippines occur via mobile e-wallets (GCash and Maya). PayMongo integrates seamless 1-click mobile wallet redirects, significantly outperforming credit card conversion rates.
How do PayMongo direct online bank transfers work? ▼
PayMongo supports direct bank debit integration with Bank of the Philippine Islands (BPI) and UnionBank of the Philippines, allowing account holders to pay with instant multi-factor bank authentication at a low 1.50% fee.
Are PayMongo transaction fees subject to Philippine VAT? ▼
Yes. Under Bureau of Internal Revenue (BIR) regulations, payment gateway service fees are subject to 12% Value Added Tax (VAT). PayMongo automatically issues monthly BIR-compliant Electronic Tax Certificates.
How do Over-the-Counter (OTC) cash payments work on PayMongo? ▼
PayMongo generates reference payment codes for shoppers to settle in cash at 7-Eleven (CliQQ kiosks), Cebuana Lhuillier, M Lhuillier, and SM Payment Counters nationwide with zero card required.
How do I calculate a Gross-Up invoice in Philippine Pesos (PHP)? ▼
To net an exact ₱1,000 PHP on a 3.50% + ₱15.00 PHP credit card transaction: Gross = (1,000 + 15) / (1 - 0.035) = ₱1,051.81 PHP. Invoicing ₱1,051.81 ensures you receive exactly ₱1,000.00 after fees.
What payout schedules apply to PayMongo merchant accounts in the Philippines? ▼
PayMongo settles merchant funds directly into Philippine commercial bank accounts on a weekly rolling schedule (typically every Wednesday) with zero interbank withdrawal fees.
What documents are required to activate a live merchant account on PayMongo? ▼
Merchants require DTI Business Name Registration (or SEC Certificate for corporations), BIR Certificate of Registration (Form 2303), Mayor's Business Permit, and a Philippine corporate bank account.