Philippines
The Philippines’ payment landscape in 2026 is mobile-first, with digital wallets and direct carrier billing leading how consumers pay. Platforms like GCash, Smart/Sun, and Globe account for over 99% of transaction volume, while credit cards and bank transfers play a limited role. For merchants, these mobile channels are key to reaching the country’s large unbanked population and unlocking growth.
*Data is for Codapay in the period of 1st Oct 2024 - 30th Sep 2025
Impact figures
94%
Android users
6%
iOS users
3%
Credit & Debit Card ownership
3.5B
App downloads in 2025
536.7M
App revenue (USD) in 2025
Insights
Digital wallets
Philippines is a highly dominant Android market reducing the efficacy of Apple Pay in enabling online payments.
Cards
Credit & Debit cards have low penetration in-market, reducing the effectiveness of this channel and likely overlapping significantly with the Apple user population.
Coda as your Merchant of Record
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Full fraud management with everything from risk mitigation to chargebacks and dispute resolution.
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