{"id":3019,"date":"2025-05-24T11:08:30","date_gmt":"2025-05-24T03:08:30","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3019"},"modified":"2025-05-24T11:08:30","modified_gmt":"2025-05-24T03:08:30","slug":"%e8%8f%b2%e5%be%8b%e5%ae%be%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e4%b8%8e%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e5%af%b9%e6%af%94","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/24\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e4%b8%8e%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e5%af%b9%e6%af%94\/","title":{"rendered":"Technical Comparison of Local and International Payments in the Philippines"},"content":{"rendered":"

The Philippine payment system exhibits clear localised and internationalised technological differences, mainly in terms of infrastructure, regulatory framework, user habits and technical standards. A comparative analysis of the key dimensions is provided below:<\/p>\n

I. Underlying infrastructure differences<\/h3>\n
    \n
  1. Local Payment Network<\/strong><\/li>\n<\/ol>\n
      \n
    • Reliance on PESONet and InstaPay clearing systems regulated by Bangko Sentral ng Pilipinas (BSP)<\/li>\n
    • Transaction processing is based on the Philippine Interbank Settlement System (PIS) and supports PHP real-time settlement.<\/li>\n
    • Main access channels: GCash (mobile wallet), Dragonpay (gateway), direct bank connection<\/li>\n<\/ul>\n
        <\/p>\n
      1. International Payment Gateway<\/strong><\/li>\n<\/ol>\n
          \n
        • SWIFT network dominates cross-border remittances (90%+ of Filipino OFW remittances)<\/li>\n
        • Card organisations such as Visa\/Mastercard use the ISO8583 messaging standard<\/li>\n
        • Emerging programme: Ripple blockchain cross-border settlement pilot project<\/li>\n<\/ul>\n

          II. Comparison of technical requirements for compliance<\/h3>\n\n\n\n\n\n\n\n
          dimension (math.)<\/th>\nLocal Payment Requirements<\/th>\nInternational payment requirements<\/th>\n<\/tr>\n<\/thead>\n
          KYC Verification<\/td>\nBSP Circular 108 Level 2 Validation<\/td>\nFATF Travel Rule<\/td>\n<\/tr>\n
          AML screening<\/td>\nPH Native Blacklist Database<\/td>\nGlobal databases such as WorldCheck<\/td>\n<\/tr>\n
          data storage<\/td>\nBSP demands in-country data sovereignty<\/td>\nPCI DSS Level 1 Certification<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

          III. Technology stack differences<\/h3>\n

          Local Features Programme:<\/strong><\/p>\n

            \n
          • GCash is compatible with feature phones using the proprietary USSD protocol.<\/li>\n
          • Dragonpay supports OTC cash payments (convenience stores\/pawn shops)<\/li>\n<\/ul>\n

            IV. Comparison of payment processing flows<\/strong><\/h3>\n

            1. Local payment processing flow (using GCash as an example)<\/strong><\/h4>\n
              \n
            • User-initiated transactions<\/strong>: Enter payee and amount via mobile app\/USSD<\/li>\n
            • Risk Control Verification<\/strong>: Dual authentication with SIM binding + biometrics as required by BSP<\/li>\n
            • Liquidation path<\/strong>: bank\/wallet transfers via PESONet (bulk clearing) or InstaPay (real-time settlement)<\/li>\n
            • settlement cycle<\/strong>: T+0 (InstaPay) or T+1 (PESONet), PHP pricing without exchange rate conversion<\/li>\n<\/ul>\n

              2. International payment processing flow (using Visa cross-border transactions as an example)<\/strong><\/h4>\n
                \n
              • Request for authorisation<\/strong>: Philippine Merchant POS Initiation \u2192 Acquirer \u2192 Visa Network \u2192 Issuer Risk Control Audit (3D Secure Verification, etc.)<\/li>\n
              • currency conversion layer<\/strong>:: Dynamic exchange rate calculations + FX costs for 1%-3%, involving intermediate row routing optimisation issues<\/li>\n
              • Funds pooling<\/strong>:: SWIFT MT103 message for final settlement, usually takes 2~5 working days<\/li>\n<\/ul>\n

                V. Analysis of key points of difference in the technical architecture<\/strong><\/h3>\n\n\n\n\n\n\n\n
                Technical elements<\/th>\nPhilippines Local Payment Solutions<\/th>\nInternational Standards Programme<\/th>\n<\/tr>\n<\/thead>\n
                API protocols<\/td>\nREST\/SOAP-based, with some legacy systems using ISO8583 variants<\/td>\nGraphQL+OAuth2.0 Mainstreaming<\/td>\n<\/tr>\n
                data encryption<\/td>\nMinimum AES-128 standard specified by BSP<\/td>\nPCI DSS mandates TLS1.2+\/SHA256<\/td>\n<\/tr>\n
                Disaster preparedness capability<\/td>\nMostly single data centre deployments only<\/td>\nMulti-region Active-Active architecture<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                VI. Differences in penetration of emerging technologies
                \n1. Blockchain applications:
                \n- Local: UnionBank's PHX stablecoin trial limited to business-to-business B2B scenarios
                \n- International: Ripple partners with SEA Bank to enable Japan-Korea \u2192 Philippines cross-border money transfers in seconds<\/p>\n

                2. AI Risk Control Adoption Rate:
                \n-Local e-wallets still rely on Rule-based engines.
                \n-International card organisations have deployed deep learning models to detect cross-geographic cash-outs<\/p>\n

                VII. Developer Integration Cost Comparison<\/p>\n

                # GCash API example (pre-qualification of merchants required)
                \r\nheaders = {\"X-GCash-AppKey\": \"BSP_ISSUED_KEY\"}
                \r\nresponse = post(\"\/pesonet\/transfer\", data={\"amount\":1000, \"recipient\": \"0917XXX\"})
                \r\n
                \r\n# Stripe Internationalisation API example (standardised SDK)
                \r\ncharge = stripe.Charge.create(
                \r\n    amount=2000, currency=\"usd\",
                \r\n    source=\"tok_visa\", description=\"Cross-border\"
                \r\n) 
                \r\n<\/code><\/pre>\n
                Note: Local platforms often require customised interfacing, while Stripe\/PayPal etc. offer globalised SDKs<\/em><\/p>\n
                \n
                Evolutionary trend prediction:
                \n1.Regulatory convergence<\/strong>: BSP plans to align AML standards to FATF by 2025, potentially driving up compliance costs for LTS providers.
                \n2.Technology stack upgrade pressure<\/strong>: InstaPay is testing ISO20022 message migration and may interoperate with SWIFT cross-border standards in the future.<\/p>\n
                VIII. Comparison of Depth of Coverage of Payment Scenes<\/strong><\/h3>\n
                1. Advantageous scenarios for local payments<\/strong><\/h4>\n
                  \n
                • \n
                  Micro High Frequency Transactions<\/strong>::<\/p>\n
                    \n
                  • GCash\/ Maya wallet supports <500PHP (~9USD) for secret-free payments, suitable for cash economy scenarios such as food markets and tricycles.<\/li>\n
                  • Dragonpay's OTC (Over-the-Counter) model allows users to top up their e-wallets with cash at convenience stores like 7-Eleven.<\/li>\n<\/ul>\n<\/li>\n
                  • \n
                    Government welfare distribution<\/strong>::<\/p>\n
                      \n
                    • The Philippine Social Security System (SSS) issues subsidies in bulk through PESONet, with high delay tolerance but very low cost (<0.1PHP per transaction).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
                      2. Irreplaceability of international payments<\/strong><\/h4>\n
                        \n
                      • Cross-border e-commerce settlement<\/strong>Lazada\/Shopee Philippines supports GCash, but cross-border sellers need to withdraw cash to overseas accounts via Payoneer\/Wise, which involves currency conversion losses.<\/li>\n
                      • The labour remittance ecosystem<\/strong>: OFW (Overseas Filipino Workers) relies on a tiered system of Western Union \u2192 local banks \u2192 GCash, with SWIFT intermediary bank draws of up to 5%~8%.<\/li>\n<\/ul>\n
                        \n
                        IX. Analysis of technological debt and innovation bottlenecks<\/strong><\/h3>\n\n\n\n\n\n\n\n
                        Challenge Dimension<\/th>\nLocal Payment Systems<\/th>\nInternational payment systems<\/th>\n<\/tr>\n<\/thead>\n
                        Legacy system burden<\/td>\n40% Rural banks still using COBOL core system<\/td>\nVisa\/MC has fully migrated to cloud-native architecture<\/td>\n<\/tr>\n
                        interoperability<\/td>\nManual intervention required for transfers between e-wallets<\/td>\nSEPA-like pan-regional clearing network in progress<\/td>\n<\/tr>\n
                        Regulatory sandbox participation<\/td>\nOnly 3 organisations enter BSP Sandbox<\/td>\nHKMA Sandbox in Singapore has incubated 50+ projects<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                        \n
                        X. Key technology conflict points for the next five years
                        \n1.Real-time cross-border vs. local compliance wall<\/strong><\/p>\n
                          \n
                        • InstaPay attempted to expand as an ASEAN Fast Track (similar to PromptPay in Thailand), but was limited by the BSP's exchange control policy.<\/li>\n<\/ul>\n
                          2.Biometric Standards Debate<\/strong><\/p>\n
                            \n
                          • GCash uses self-developed face recognition (1% false positive rate) vs Mastercard's \"Biometric Checkout\" which is subject to FIDO Alliance standards.<\/li>\n<\/ul>\n
                            3.CBDC impact test<\/strong><\/p>\n
                              \n
                            • BSP plans to pilot a wholesale digital currency (CBDC) for interbank clearing, potentially marginalising the existing PESONet, while the International Card Organisation advocates a stablecoin interoperability programme.<\/li>\n<\/ul>\n
                              \n
                              XI. Selection recommendations for enterprises<\/p>\n
                              graph LR
                              \r\nA [business need] --> B {Is the primary user located in the Philippines?}
                              \r\nB -->|Yes| C [Priority docking GCash+PESONet]
                              \r\nB --> |No| D [Integration of Stripe+SWIFT optimised routing]
                              \r\nC --> E [Note the daily transaction limit of 100,000 PHP]
                              \r\nD --> F [Consider Ripple to reduce Latency]
                              \r\n<\/code><\/pre>\n
                              Key Decision Factors:<\/p>\n
                                \n
                              • Speed of arrival sensitivity<\/strong>: InstaPay (seconds) vs SWIFT (2 days +)<\/li>\n
                              • Unbanked<\/em>user share<\/strong>: OTC channel coverage determines penetration in sink markets<\/li>\n<\/ul>\n
                                \n
                                The next step in the evolution could be around a 'hybrid architecture' - for example, Ant Group's Alipay+ solution in the Philippines accesses both GCash's local traffic and cross-border QR code interoperability via AlipayHK. This requires a technology stack that also meets the following requirements.
                                \n\u2705 BSP's Digital Banking Security Framework
                                \n\u2705 PCI DSS L3 certification
                                \n\u2705 ASEAN QR Universal Code Specification<\/p>","protected":false},"excerpt":{"rendered":"
                                The payment system in the Philippines exhibits a clear technological difference between localisation and internationalisation, with the main body...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[32],"tags":[],"class_list":["post-3019","post","type-post","status-publish","format-standard","hentry","category-32"],"yoast_head":"\n\u83f2\u5f8b\u5bbe\u672c\u5730\u652f\u4ed8\u4e0e\u56fd\u9645\u652f\u4ed8\u7684\u6280\u672f\u5bf9\u6bd4 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/05\/24\/\u83f2\u5f8b\u5bbe\u672c\u5730\u652f\u4ed8\u4e0e\u56fd\u9645\u652f\u4ed8\u7684\u6280\u672f\u5bf9\u6bd4\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u83f2\u5f8b\u5bbe\u672c\u5730\u652f\u4ed8\u4e0e\u56fd\u9645\u652f\u4ed8\u7684\u6280\u672f\u5bf9\u6bd4\" \/>\n<meta property=\"og:description\" content=\"\u83f2\u5f8b\u5bbe\u7684\u652f\u4ed8\u7cfb\u7edf\u5448\u73b0\u51fa\u660e\u663e\u7684\u672c\u5730\u5316\u4e0e\u56fd\u9645\u5316\u7684\u6280\u672f\u5dee\u5f02\uff0c\u4e3b\u8981\u4f53…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/24\/\u83f2\u5f8b\u5bbe\u672c\u5730\u652f\u4ed8\u4e0e\u56fd\u9645\u652f\u4ed8\u7684\u6280\u672f\u5bf9\u6bd4\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-24T03:08:30+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/24\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e4%b8%8e%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e5%af%b9%e6%af%94\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/24\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e4%b8%8e%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e5%af%b9%e6%af%94\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u83f2\u5f8b\u5bbe\u672c\u5730\u652f\u4ed8\u4e0e\u56fd\u9645\u652f\u4ed8\u7684\u6280\u672f\u5bf9\u6bd4\",\"datePublished\":\"2025-05-24T03:08:30+00:00\",\"dateModified\":\"2025-05-24T03:08:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/24\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e4%b8%8e%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e5%af%b9%e6%af%94\/\"},\"wordCount\":143,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u83f2\u5f8b\u5bbe\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/05\/24\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e4%b8%8e%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e5%af%b9%e6%af%94\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/24\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e4%b8%8e%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e5%af%b9%e6%af%94\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/05\/24\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e4%b8%8e%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e5%af%b9%e6%af%94\/\",\"name\":\"\u83f2\u5f8b\u5bbe\u672c\u5730\u652f\u4ed8\u4e0e\u56fd\u9645\u652f\u4ed8\u7684\u6280\u672f\u5bf9\u6bd4 - 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