Tap-to-pay in the Philippines, without the infrastructure project
The Philippines is Tapped's first live production market. Since Q4 2025, sub-merchants onboarded through partner platforms have been processing tap-to-pay transactions on commodity Android phones via PIN-on-Glass — no separate terminal hardware, no per-device certification overhead for the platform.
For a vertical SaaS platform serving Philippine merchants — food delivery, retail, services — Tapped removes the two hardest parts of going live: certifying EMV kernels with the schemes, and standing up a BSP-compliant acquiring and settlement chain. Both are already done. You integrate one SDK and onboard merchants as sub-merchants under our sponsorship.
A leading food-delivery platform is live in production, processing tap-to-pay via PIN-on-Glass on rider and merchant devices.
Local payment rails we support in the Philippines
Cards alone do not win a market in Asia. Tapped exposes the domestic rails Philippines merchants actually expect, through the same SDK as card acceptance:
| Rail | What it covers |
|---|---|
| InstaPay | Real-time, low-value account-to-account transfers — the backbone of instant peso payouts and QR Ph person-to-merchant flows. |
| PESONet | Batch ACH-style clearing for higher-value settlement and merchant payouts across all BSP-supervised institutions. |
| QR Ph | The national QR standard (P2M and P2P). One interoperable code accepted across banks and e-wallets. |
Card schemes certified for the Philippines
Every kernel we ship for the Philippines is production-certified at the scheme layer before the market goes live — Visa VCPS / L3 EMV Contactless, Mastercard M/Chip and PayPass, JCB J/Speedy, and UnionPay UPI QuickPass as applicable. Certified schemes here:
- Visa
- Mastercard
- JCB
- UnionPay
Kernel renewals and updates ship as a platform release — you inherit them without re-certifying.
Regulation & licensing in the Philippines
Tapped operates in the Philippines under Bangko Sentral ng Pilipinas (BSP) supervision, with a published licensing posture of EMI · Category D. Your merchants onboard as sub-merchants beneath that arrangement, so you do not need to hold your own payment licence to go live.
We are PCI-DSS Level 1 attested annually, SOC 2 Type II, and ISO 27001 certified, with regional data controls applied where the regulator or sponsor bank requires it.
Settlement & payouts
Standard settlement in the Philippines is T+1, paid out in Philippine peso (PHP). The blended processing rate is 2.85% — full per-market rates are on the pricing page, with nothing to negotiate.
Who builds on Tapped in the Philippines
Tapped is built for vertical SaaS platforms that want to embed payment acceptance into their own product — not for individual merchants. Common deployments in the Philippines:
- Restaurant & F&B platforms — tap at the table or counter on the staff's own phone.
- Salon, wellness & booking platforms — collect payment inside the booking flow.
- Field-services & delivery platforms — accept payment at the customer's door on a rider device.
- Healthcare & clinic platforms — copay and consultation collections.
- Hospitality & PMS platforms — folio checkout at the front desk.