Philippines · PHP Infrastructure

Move money in Philippine pesos — without a Philippine bank account*.

Collect from Filipino customers, pay Filipino suppliers, and manage the FX in between — on named PHP virtual accounts that settle to you in the currency you already bank in.

Start expanding into Philippines See the products

Settle in

USD

EUR

JPY

SGD

AUD

+30 more

Why local rails matter

The Philippines has gone digital-first on payments. Your rails should meet it there.

In the Philippines, InstaPay has made real-time transfers the default for everyday payments, while PESONet handles higher-value, same-day transfers — both run under the BSP's National Retail Payment System and used by dozens of banks and e-wallets nationwide.

For merchants operating from outside the Philippines, that speed creates two problems. Without a local account, there's no straightforward way for a Philippine customer to pay you in Philippine pesos, and generic pooled accounts make it difficult to tell whose payment just landed. Paying a Philippine supplier from abroad usually means a slow international wire, an unfavourable exchange rate buried in the transfer, and days of uncertainty before the supplier can confirm receipt.

DSGPay solves both sides from one platform. You get a dedicated named local PHP virtual account plus the foreign exchange to move value in and out of Philippine pesos at rates built for volume, not for one-off retail transfers. No Philippine entity required. ₱ in, your currency out — or the reverse, for payouts.

The DSGPay Philippines stack

Four building blocks. One PHP-denominated ledger.

Use one, or use all four — collections, payouts, and FX are designed to sit on top of the same named account infrastructure.

Collect

1. Named Virtual Accounts

A dedicated PHP account opened in your merchant name. Filipino customers deposit directly into it in real time, exactly as they would to any local business — no card rails, no wallets, no waiting.

Customer deposits PHP

→

Your named account

→

Settled in USD, EUR, JPY, SGD, AUD

Reconcile

2. Collections

One-time, single-use PHP virtual accounts generated per transaction or per customer. Built for high-volume merchants who need to identify exactly which Filipino customer paid, without manual matching.

Unique account per order

→

Auto-matched deposit

→

Clean reconciliation

Pay out

3. PHP Real-Time Payouts

Prefund in USD, EUR, or your working currency, and pay Filipino suppliers, partners, or employees in Philippine peso in real time — on InstaPay, the same rails Filipino businesses use to pay each other.

You prefund

→

DSGPay converts

→

Supplier paid instantly

Convert

4. PHP FX

Buy and sell PHP against USD, EUR, JPY, SGD, AUD, and 30+ other currencies, at rates built for the volume behind your collections and payouts, not a one-off retail conversion.

30+ funding currencies

→

Competitive PHP rate

→

Applied automatically

Why Philippines, on DSGPay

Built for how money actually moves in Philippines

Your presence in Philippines

A named PHP virtual account gives you a local footprint without the cost or delay of setting one up yourself.

Real-time reconciliation

Clearly separate and identify incoming AUD deposits so every transaction and balance updates instantly.

Faster and cheaper

Local PHP rails settle faster and at a lower cost than routing every transaction through SWIFT.

30+ currencies

Fund and settle in USD, EUR, JPY, SGD, AUD, and dozens of other major and regional currencies alongside PHP.

How the money moves

Two directions, one platform

Collections bring PHP in and settle out in your currency. Payouts start in your currency and land in PHP. DSGPay's FX sits in the middle of both.

Starts with

Filipino customer

Deposits PHP

→

DSGPay FX

→

Settles out

Ends with

You, in USD, EUR, JPY, SGD, AUD