How to use Google Pay (GPay) in the Philippines

Google Pay® offers convenient ways for anyone with an Android device - such as a smart phone or watch - to make in person and online payments more conveniently.

If you’re new to Google Pay Philippines you’ll probably be wondering how the service works, how safe it is, and how to get started. This guide has you covered with everything there is to know about Google Pay (GPay) Philippines. You can also learn more about the Wise card, an easy way to stretch your pesos when paying in foreign currencies.

Is Google Pay available in the Philippines?

Before we move on to how to use Google Pay, let’s start with the basics: Is Google Pay available in the Philippines, and if so, which banks and cards are supported?

Google Pay has been available in the Philippines since November 2025. At the time of writing, the Philippines banks and providers which offer Google Pay compatible cards are as follows¹:

• Wise - Visa Prepaid Cards (non-bank provider)
• China Banking Corporation - Mastercard Credit Cards and Visa Credit and Debit Cards
• East West Banking Corporation - Mastercard Credit Cards and Visa Credit Cards
• GCash - Mastercard Debit Cards
• GoTyme Bank Corporation - Visa Debit Cards
• Maya Bank, Inc. - Visa Credit Cards
• Rizal Commercial Banking Corporation - Mastercard Credit Cards and Visa Credit Cards
• UnionBank of the Philippines - Visa Cards
• Zed Financial PH, Inc - Mastercard Credit Cards

It’s helpful to know that some cards issued by participating banks may not be Google Pay compatible - if you’re unsure about whether your card can be used for mobile payments you’ll need to double check your card or account terms and conditions, or talk to a member of bank staff directly.

What is Google Pay?

Google Pay sits as part of the **Google Wallet®**² app, which is a digital wallet you can use to hold payment cards, as well as tickets, loyalty cards, and even your vaccination records. Google Pay is free to use, and the app can generally be accessed through any NFC capable Android® devices running Android 9.0 or higher.

With Google Pay you can add one or more payment cards - Google Pay compatible credit or debit cards - to your phone, to make mobile payments when you’re out and about by simply tapping your phone or other smart device on the payment terminal. You can also use Google Pay when shopping online, for more convenient and secure transactions no matter where you shop.

When you use Google Pay there’s no extra fee to pay. Any charges you’d pay to use your physical card - such as interest fees when using a credit card - will still apply, but you’ll also continue to collect any rewards, cash back or loyalty points you’d collect when using your physical card.

New to Google Pay Philippines? We’ll look at how to set up Google Pay in more detail in just a moment.

Is Google Pay safe?

Google Pay is safe to use. Using a mobile payment method has a practical advantage in that you’ll not need to carry round cash or a physical card - which reduces the risk of loss or theft. During the payment process, Google Pay doesn’t share your real card information with the merchants, which adds another layer of security to the transaction.

Mobile payment services like Google Pay have also invested heavily in security measures to keep customers safe, including verification and authentication processes which mean your device can’t be used by others. If you find that you're missing your phone or device, you can use Find My Phone to track it down, or remotely erase data so your cards are removed if you’re concerned.

How to set up Google Pay in the Philippines?

Google Pay is available on select Android phones and smart devices in the Philippines, for people who have Google Pay supported cards. Let’s take a look at how to set up Google Pay in Philippines so you can start making convenient mobile payments:

1. Open the Google Wallet app
2. Tap Add to Wallet
3. Follow the instructions to add your chosen debit or credit card
4. Verify your card if required by your bank

You’ll be able to enter your card details manually, or use your phone’s camera to scan the card and auto populate the card details to the app. Once you’re set up you’ll be able to simply tap to pay wherever contactless payments with Google Pay are accepted. Easy.

Learn how to add your Wise card to Google Pay

How to top up Google Pay

In the Philippines you won’t need to top up Google Pay to use the service, simply link an eligible payment card and you can start transacting - the payments are billed or debited directly against the card you’ve chosen.

An easy way to start using Google Pay and save money when travelling - order a Wise card

You can order a physical Wise card for a low, one-time fee of 369.60 PHP, or get a free digital card for use on Google Pay.

The Wise card lets you spend in 40+ currencies at the mid-market rate including USD, SGD, GBP, and JPY so you know you'll be getting a great deal in over 150+ countries. Simply create a free Wise account, order a card and top-up PHP to get started.

A physical Wise card can be ordered for a low fee of 369.60 PHP. Having a physical Wise card allows you to make chip and pin payments, as well as 2 free ATM withdrawals to the value of 12,000 PHP each month, before low fees start.

While abroad, you can choose to spend directly in PHP and let auto-conversion do the trick, or convert to your desired currency with your Wise account. Either way, you’ll get the exchange rate you see on Google, with low, transparent fees from 0.57%.

Save while you spend, and make overseas spending seamless with a Wise card.

💳 Get your Wise card today

How to add a Wise card to Google Pay

To add a Wise card to Google Pay, customers can:

1. Open the Wise app
2. Tap the Card tab to view all available cards
3. Select their card to add, then tap "Add to G Pay."

Once activated, customers can tap and pay anywhere Google Pay is accepted, both in the Philippines and around the world.