PayMongo Enables Google Pay for Filipino Merchants

Manila, Philippines — November 19, 2025 — PayMongo has announced support for Google Pay, enabling Filipino merchants to accept payments from one of the world's most widely used digital wallets. The integration is now available to card-enabled merchants using existing API or plugin integrations, marking another expansion in the country's rapidly evolving digital payments infrastructure.

Customers can complete transactions using tokenized payment credentials stored on their devices, eliminating the need to manually enter card details at checkout. The feature leverages device-specific tokens and multi-factor authentication to secure each transaction. Merchant activation is managed through the PayMongo Dashboard.

The rollout follows Google Pay's official launch in the Philippines in mid-November 2025, when the service became available through nine initial financial institutions including GCash, Maya, and several major banks. PayMongo had been identified as a "coming soon" integration partner during the broader Google Pay rollout.​

"This integration gives Filipino businesses access to a globally trusted payment option that helps improve conversion and customer satisfaction," said Jojo Malolos, CEO of PayMongo.

Google Philippines Country Manager Prep Palacios said, "This launch underscores our commitment to accelerating financial inclusion and fueling the next chapter of the Philippines' digital economy."​

Security and Market Context

Google Pay relies on tokenization technology, which replaces sensitive card details with unique digital tokens bound to the user's device. The approach addresses a critical concern in the Philippine market, where the digital fraud rate stood at 13.4% in 2024—148% higher than the global average of 5.4%. Over 74% of Filipinos reported being targeted by fraud attempts in the same period.​

Tokenization has become a standard security measure in markets with elevated fraud risk. Visa alone has issued over 10 billion tokens globally as of 2024, with more than 1.5 million e-commerce merchants transacting daily using the technology.​

The Philippines is a predominantly mobile-first digital economy. Mobile penetration has reached 122% of the population, and over 90% of e-commerce traffic originates from smartphones. In this environment, frictionless checkout experiences directly impact merchant conversion rates. Studies indicate that even a one-second delay in mobile load times can reduce conversions by up to 20%.​

Digital wallets have become the preferred payment method for 64% of Filipino consumers, reflecting broader behavioral shifts influenced by wallet adoption patterns in the United States, Europe, and other Southeast Asian markets. The regional trend toward wallet-based payments has been reinforced by ASEAN's landmark cross-border QR code integration, which now links payment systems across Indonesia, Malaysia, Singapore, Thailand, and the Philippines.​

Infrastructure Evolution

PayMongo's support for Google Pay reflects its broader trajectory from payment gateway to financial infrastructure platform. Founded in 2019 as the first Filipino-owned fintech to join Y Combinator's accelerator program, the company has expanded beyond transaction processing to offer business wallets, capital solutions, and embedded finance tools for software platforms.​

The company reported a 4.3x increase in total payment volume and 3x revenue growth over the past year, while securing SOC2 Type 2 certification and forging partnerships with regulatory bodies including the Anti-Money Laundering Council. PayMongo now targets $1.7 billion in payment volume for 2025.​

By enabling support for a globally recognized wallet, PayMongo positions Filipino merchants to serve both domestic customers and international visitors who rely on Google Pay for contactless transactions. The integration also aligns with the Philippine government's digital transformation agenda, which aims to increase digital retail payments beyond the current 57.4% share of total transaction volume.​

Supporting a trusted global wallet elevates consumer confidence and merchant competitiveness in a region where payment method availability directly influences purchasing decisions. As the Philippines continues its transition toward a digitally inclusive economy, PayMongo's role extends beyond processing—it is building the connective tissue that enables businesses of all sizes to participate in the country's financial future.