COMPANY detail

Coins.ph
Pay. Send. Trade

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PAYER FEATURE OVERVIEW.

PROJECT NAME
Coins.ph Badge
SUPPORTED ASSETS
?
Cryptocurrencies and stablecoins accepted for payments.
PHP, USDT, USDC, BTC, ETH
BLOCKCHAIN SUPPORT
?
Blockchain networks supported for processing payments.
Ethereum, Solana, Polygon, BSC
WALLET COMPATIBILITY
?
Wallets that can be used to make payments.
Coins.ph App, any QR Ph app
QR TYPE
?
Supports static QR codes, dynamic QR codes, or both.
Both
PAYMENT SPEED
?
Typical time required for a payment to be confirmed.
Instant
FEES FOR PAYERS
?
Fees charged to users when making payments.
Free
USER KYC
?
Whether identity verification is required to use the service.
YES
CUSTODY MODEL
?
Defines who controls and holds users' funds.
Custodial
MOBILE APP REQUIRED
?
Whether a dedicated mobile app is needed to pay.
YES
PAYMENT METHODS
?
Supported payment methods such as QR, NFC, or deep links.
QR
RECURRING PAYMENTS
?
Whether subscription and recurring payments are supported.
NO
GEOGRAPHIC AVAILABILITY
?
Countries or regions where the service is available.
Philippines
Last Updated: Jul 6, 2026

Payer Scan & Pay Details

  • Scan any QR Ph code at 600,000+ stores nationwide using the Coins.ph app.

How to Pay

  • Download the Coins.ph app and complete KYC verification.
  • Fund your PHP wallet via bank transfer, e-wallet top-up, or convert crypto (USDT, BTC, ETH) to PHP.
  • Tap Scan, point at the merchant's QR Ph code, review the amount, and confirm with your PIN or biometrics.
  • Payment settles instantly via InstaPay — both you and the merchant see real-time confirmation.

Funding Options

  • Cash in PHP via InstaPay, PESONet, GCash, Maya, or over-the-counter at 10,000+ partner outlets.
  • Buy crypto directly in-app (One-Click Buy) then convert to PHP before scanning.
  • Deposit USDT, USDC, BTC, ETH from external wallets and convert to PHP at live rates.

MERCHANT FEATURE OVERVIEW.

PROJECT NAME
Coins.ph Badge
PAYMENT CHANNELS
?
Where payments can be accepted: online, in-store, or both.
Both
SUPPORTED ASSETS
?
Cryptocurrencies and stablecoins merchants can accept.
PHP
FIAT SETTLEMENT
?
Whether crypto payments can be settled in fiat currency.
YES
SETTLEMENT CURRENCY
?
Currencies merchants receive after payment settlement.
PHP
SETTLEMENT SPEED
?
Typical time required to receive settled funds.
Instant
MERCHANT KYC
?
Whether business verification is required to accept payments.
YES
POS INTEGRATION
?
Support for integration with physical point-of-sale systems.
YES
E-COMMERCE INTEGRATION
?
Supported integrations with online store platforms.
Custom API, WebPay
API ACCESS
?
Whether developers can build custom integrations using APIs.
YES
PAYMENT LINKS
?
Ability to create shareable payment links without coding.
YES
INVOICING
?
Ability to create and manage payment invoices.
YES
REFUND SUPPORT
?
Whether merchants can issue refunds through the platform.
YES
WEBHOOKS
?
Real-time notifications for payment and status updates.
YES
GEOGRAPHIC AVAILABILITY
?
Countries or regions where merchants can use the service.
Philippines
Last Updated: Jul 6, 2026

Merchant Integration Details

  • Coins.ph offers two collection channels: In-store QR Ph and online WebPay checkout.
  • QR Ph supports both static (print-and-display) and dynamic QR codes (API-generated with pre-filled amounts).

QR Ph Setup & Pricing

  • Create a free Business Account at business-portal.coins.ph and complete KYB verification (company docs + beneficial ownership).
  • Generate API key, bind IP addresses, and request QRPH application activation from support.
  • Static QR: Download from customer service, print, display — zero technical integration needed.
  • Dynamic QR: Call Create Payment API to generate unique QR codes with pre-filled amounts and order references.

WebPay Online Checkout

  • Hosted and API-based checkout for web and mobile apps — live in days.
  • Supports Coins.ph wallet payments, QR Ph, credit/debit cards, and local payment partners.
  • Real-time settlement to your Coins.ph business account; withdraw to bank via InstaPay or PESONet.

Developer Capabilities

  • Unified API suite: Payin (QR Ph + WebPay), Payout (InstaPay/PESONet disbursements), Refund, Webhooks, FX.
  • Webhook callbacks for real-time payment status updates — eliminates polling.
  • Batch payout API for payroll and supplier payments.
  • Virtual Accounts for auto-reconciled deposits — each customer gets a unique account identifier.

THE REAL STORY.

PROS
[ STRENGTHS ]
  • thumbs-up-fill BSP-regulated since 2014 with bank-tier EMI and EPFS licenses
  • thumbs-up-fill QR Ph is the national standard — interoperable with 50+ banks and e-wallets
  • thumbs-up-fill Real-time InstaPay settlement — no batching delays
  • thumbs-up-fill Unified API suite: Payin, Payout, Webhooks, Refund, FX
  • thumbs-up-fill 16M+ consumer users as built-in payer base
CONS
[ LIMITATIONS ]
  • thumbs-down-fill Philippines only — no cross-border merchant acceptance
  • thumbs-down-fill QR settlement exclusively in PHP — no stablecoin/crypto settlement
  • thumbs-down-fill Custodial wallet — requires trust in Coins.ph as custodian
  • thumbs-down-fill KYB onboarding takes several business days
  • thumbs-down-fill 1.2% merchant fee — higher than pure crypto QR competitors

GENERAL QUESTIONS.

Yes — payers need the Coins.ph mobile app (iOS/Android) to scan QR Ph codes and complete payments using their Coins.ph wallet. However, merchants displaying a Coins.ph QR Ph code can also receive payments from users of other QR Ph-compatible apps including GCash, Maya, GrabPay, BPI, UnionBank, and BDO — making it interoperable across the entire national QR standard.

Funds settle to the merchant's Coins.ph account instantly via InstaPay (24/7 real-time) upon successful QR Ph or WebPay transaction. Merchants can then withdraw to their bank account via InstaPay (instant, ₱10 fee) or PESONet (batch processing, ₱5 fee). For Trade Desk OTC transactions, settlement is within 1 banking day (standard hours) or 2 banking days (off-market hours).

QR Ph in-store payments: 1.2% per successful transaction. WebPay wallet payments: 1.0%. WebPay QRPh: 1.2%. InstaPay bank withdrawal: ₱10 per transaction. PESONet bank withdrawal: ₱5 per transaction. Over-the-counter cash-in via remittance partners: ₱105 for transactions ≤₱10,000 or 1.6% for transactions >₱10,000. No setup fees, no monthly fees. Special/negotiable rates available for high-volume qualifying merchants.

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