How to Accept GCash and Maya on a Business Website (2026)

By the Tuncer Technologies team · 24 October 2026

Most customers in the Philippines will happily pay you online. The question is how. Many small businesses still post a GCash number on their Facebook Page, wait for a screenshot and check the app by hand. It works, until you have twenty orders a day, a fake screenshot, or a customer asking for a receipt at ten in the evening.

This guide explains the four common ways to accept GCash and Maya for your business, from the simplest to a full website checkout, and what each one needs. At the end you will find our fixed prices so you can compare.

The four options at a glance

You can start with one and move up later. The right choice depends on how many orders you handle and how much time you spend confirming payments.

Option 1: A QR code or account number

You show a QR code (on your website, page or counter) and the customer pays from their e-wallet or bank app. QR Ph is the national QR code standard, so a QR Ph code can usually be scanned by many bank and e-wallet apps, not just one.

Pros: almost no setup, and no website changes needed.

Cons: every payment is checked by hand. You match amounts to orders yourself, screenshots can be edited, and the customer gets no automatic receipt. If you use a personal account, your business and personal money get mixed, which makes bookkeeping harder.

This is fine to start. It does not grow well.

Option 2: Payment links or invoices

A payment gateway is a company that processes online payments for merchants and pays the money out to your bank account. Many gateways let you create a payment link: you send it by Messenger, email or SMS, and the customer chooses how to pay (for example GCash, Maya or card, depending on what your gateway supports).

Pros: the gateway confirms the payment for you, so no screenshots. The customer gets a proper payment page. It works with any website, or no website at all.

Cons: you still create each link yourself, and your website does not know when an order is paid unless you check.

For a service business that quotes each job, or anyone who takes deposits, payment links are often all you need.

Option 3: A full checkout on your website

Here the customer adds items to a cart on your website, pays with GCash, Maya or card through your gateway, and your website marks the order as paid automatically. The technical piece that makes this work is a webhook: the gateway sends your website a secure message when a payment succeeds, fails or is refunded.

Pros: no manual checking, instant confirmation, order records in one place, and a better experience for the customer.

Cons: it takes setup and testing, and you need an approved merchant account with your chosen gateway first.

This is the right step once you sell regularly online, or when manual checking takes more than an hour a day.

Option 4: Online booking with a deposit

For appointments, rooms, tours and rentals, the payment is usually a deposit taken when the customer books. A booking page lets the customer pick a service and time, and the deposit can be collected with a payment link (option 2) or a connected checkout (option 3). Deposits reduce no-shows, which matters a lot for small salons, clinics and resorts.

What you need before you can accept online payments

Requirements differ by provider, but most gateways will ask for:

1. Proof of business registration, such as DTI (sole proprietor) or SEC (corporation or OPC) papers, and your BIR registration.
2. A bank account in the name of the business or owner, for payouts.
3. A website or social page that shows what you sell, your contact details and your policies.
4. Clear policies for refunds, delivery or cancellations. Gateways often check these during approval.

Approval can take days or weeks, so apply early. Each gateway publishes its own rates per payment method, and they change, so compare the current published fees and payout times before you choose.

Security basics

• Never ask a customer for an OTP, MPIN or password. Legitimate payment pages never need you to see them, and scammers often pretend to be the seller to get them.
• Do not trust screenshots alone. Confirm the payment in your gateway or e-wallet dashboard.
• Use HTTPS on your website (the padlock in the browser).
• Verify webhooks. A properly built checkout checks that each payment message really came from your gateway.
• Write a privacy notice. If your website collects names, phone numbers or addresses, the Data Privacy Act applies. Say what you collect and why.

Which option should you choose?

• Under about ten orders a day, mostly through Messenger? Option 1 or 2.
• You quote each job or take deposits? Option 2, with a simple website so customers can check you are real.
• You sell products online every day? Option 3, a proper online store with checkout.
• You run appointments or bookings? Option 4.

How we can help (Tuncer Technologies)

We built GCash and Maya payments into the Rundzee apps, a local marketplace live in Davao City, and our own store accepts GCash, Maya and card through PayMongo for Philippine orders. Philippine orders are handled by Poseidon Distribution OPC in Davao City and paid in pesos. Prices are as of 24 October 2026; the checkout always shows the current price.

What is not included: the gateway's own transaction fees, and the merchant account itself, which is opened in your business name with the provider. The gateway integration needs an approved live account and a compatible website. The booking page's online payments are a separate item.

Start with Starter Online

Already have a website? Run our free website audit first. It checks HTTPS, speed and other basics before you add payments.

FAQ

Can I accept GCash on my website without a payment gateway?

You can show a QR code or account number, but every payment must be checked by hand. To confirm payments automatically, you need a gateway that supports GCash.

Do I need a registered business to accept GCash and Maya online?

For a gateway merchant account, usually yes. Providers commonly ask for DTI or SEC papers and BIR registration. Requirements vary, so check with the provider you choose.

How much are the fees?

Each gateway sets its own fees per payment method, and they change. Check the provider's current published rates. Our prices above cover the setup work, not the gateway's fees.

Can customers pay by card as well?

Most gateways that support GCash and Maya also support cards. What appears at checkout depends on the methods enabled on your merchant account.

How long does the gateway integration take?

Our standard gateway integration takes 5 to 10 days once your live merchant account is approved.

Can I take deposits for bookings?

Yes. Start with a booking page and payment links for deposits, or connect a checkout later when volume grows.

Know a business that still checks GCash screenshots by hand? Our free partner program lets you refer clients: partners.tuncertech.com/earn.