GCash Philippines E-Wallet API
GCash Philippines digital wallet REST API for merchants to accept mobile wallet payments, QR codes, and online checkout from the Philippines' dominant e-wallet with 60+ million users backed by Ant International and Globe Telecom for e-commerce, in-app, and merchant payment integration across the Philippines. Enables AI agents to manage GCash payment request creation for Philippines wallet checkout automation, handle QR code generation for Philippines in-store merchant payment automation, access GCash online payment link for Philippines e-commerce automation, retrieve payment status confirmation for Philippines transaction automation, manage refund processing for Philippines order management automation, handle webhook notification for Philippines payment event automation, access transaction reporting for Philippines payment analytics automation, retrieve merchant settlement for Philippines reconciliation automation, manage GCash recurring payment for Philippines subscription automation, and integrate GCash with Philippine e-commerce, food delivery, and ride-sharing platforms for end-to-end Philippines payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Philippines e-wallet. BSP-licensed. HMAC signing. PH. Mobile payment data.
⚡ Reliability
Best When
A Philippine merchant or app developer wanting AI agents to automate GCash wallet payment acceptance, QR code generation, and payment confirmation for the Philippines' most popular digital wallet.
Avoid When
GCash MERCHANT API REQUIRES PARTNER APPROVAL: GCash merchant API requires Globe Telecom/Mynt merchant partnership; automated self-service API access without partnership creates unauthorized access; automated integration requires GCash business development engagement. REDIRECT-BASED CHECKOUT FOR ONLINE: GCash online payment redirects consumer to GCash app for wallet authentication; automated checkout must redirect consumer; automated server-side payment without consumer redirect creates no payment interface. BSP REGULATORY COMPLIANCE: GCash is BSP (Bangko Sentral ng Pilipinas) regulated; automated merchant integration must comply with BSP merchant onboarding requirements; automated integration without BSP-compliant merchant registration creates regulatory non-compliance. HMAC SIGNATURE REQUIRED FOR REQUESTS: GCash API requests require HMAC signature for authenticity; automated requests must compute valid HMAC signature; automated unsigned requests create authentication failure.
Use Cases
- • Accepting GCash wallet payments from Philippines e-commerce checkout agents
- • Generating QR codes for Philippines in-store merchants from POS automation agents
- • Processing GCash online checkout from Philippines mobile app payment agents
- • Confirming GCash payment status from Philippines order fulfillment agents
Not For
- • Non-Philippines payments (GCash is Philippines-specific e-wallet)
- • International card acceptance (use PayMongo or Xendit for Philippines card processing)
- • Indonesia payments (GCash and DANA/GoPay are separate; use DOKU for Indonesia)
Interface
Authentication
GCash uses API key + Secret Key with HMAC-SHA256 signing for merchant API. REST API with JSON. Taguig, Philippines HQ. Mynt (Globe + Ant International JV). 60M+ users. Products: E-wallet, QR code, online checkout, GCredit, GInvest. BSP-licensed (EMI). PCI DSS. Philippines' dominant e-wallet. Competes with Maya for Philippines digital wallet.
Pricing
Taguig PH. Globe/Ant International JV. Per-transaction fees in PHP. BSP regulated. Partnership required.
Agent Metadata
Known Gotchas
- ⚠ CONSUMER REDIRECT TO GCash APP REQUIRED: GCash online payment redirects consumer to GCash mobile app; automated checkout must generate redirect URL and present to consumer; automated server-side-only GCash payment creates no consumer payment interface
- ⚠ PAYMENT STATUS POLLING AFTER REDIRECT: GCash payment status requires explicit query after consumer returns; automated fulfillment must check payment status on return URL; automated immediate fulfillment on return without status check creates premature order completion
- ⚠ REFERENCE ID MUST BE UNIQUE PER TRANSACTION: GCash merchant reference ID must be unique per payment request; automated retry must generate new reference ID; automated reference reuse creates duplicate transaction rejected
- ⚠ WEBHOOK SIGNATURE VERIFICATION MANDATORY: GCash webhooks include HMAC signature; automated webhook must verify signature before processing; automated unverified webhook creates spoofed payment acceptance vulnerability
- ⚠ PESO AMOUNT WITHOUT CENTAVO FOR STANDARD TRANSACTIONS: GCash standard transaction amounts are in PHP; automated amount calculation should verify denomination requirement; automated incorrect denomination creates payment amount discrepancy
Alternatives
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Scores are editorial opinions as of 2026-03-07.