GCash is a mobile wallet and online payment service in the Philippines. It is a versatile financial service platform that has become an integral part of the country's financial ecosystem. GCash allows users to perform a wide range of financial transactions using their smartphones. With a penetration rate of about 80% of the Philippine population, GCash is continuously growing.

It is a more accessible digital payment option compared to credit cards, as anyone with a mobile phone can use GCash. Users only need to provide their phone number to begin transactions with GCash, eliminating the need for lengthy account numbers used by cards. Having GCash available as a payment method in the Philippines is recognised as one of the easiest ways to boost collection rates.

Please refer to the payment method collection guide to learn more about managing linking errors with GCash when creating a payment method token.

What You Need to Know

1. Merchant Paid Fees only - GCash strictly prohibits passing transaction fees to end users. As a result, only merchant-paid fees are supported. Any implementation that attempts to surcharge or transfer fees to the customer is non-compliant.
2. No Multi-Linking for same merchant group - A GCash wallet can only be linked once per merchant group. If a customer has already linked GCash at one location under the same merchant group (e.g., Gym Brand A – Location A), they cannot link or use GCash at another location within the same group (e.g., Gym Brand A – Location B). Attempts to do so will fail with the error: PAYMENT_METHOD_ALREADY_EXISTS.
3. Unlink via GCash App - Customers can unlink their GCash wallet at any time directly from the GCash app. Once unlinked, the existing GCash token becomes invalid. Any subsequent invoice or charge attempt using that token will result in the invoice being marked past due and return the error: invalid_payment_method.
4. No refunds - At the time of writing, GCash does not support refunds on payments done with GCash Link & Pay

GCash linking failure