GraciaPay for Business. Grow Smart. Get Paid Fast.

Whether you’re a café owner, online seller, freelancer, or startup hustler — GraciaPay helps you accept payments, manage sales, and grow your business all in one place. No complicated setup, no long waits — just fast, secure, and flexible payments that work for you.

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About GraciaPay

GraciaPay is operated by Gracia Telecommunications Corporation, a licensed payment service operator under the Bangko Sentral ng Pilipinas (BSP) with Payment License Number OPSCOR-2021-0018.

As part of the Gracia Pay IPM (Intelligent Payment Machine) ecosystem, GraciaPay is built to empower Filipinos and businesses with secure, seamless, and innovative financial solutions that make every transaction faster and easier.

We are a leader in mobile financial services, dedicated to accelerating financial inclusion through mobile money, digital payments, and financial technology. From e-wallets to payment kiosks, QR payments to bank transfers — GraciaPay connects people and businesses to the digital economy.

Our mission is simple:

To make financial access universal — where every Filipino, entrepreneur, and enterprise can pay, send, and grow using technology they can trust.

With GraciaPay, you're not just getting a payment solution.

You're joining a movement that's making cashless living simple, inclusive, and truly Filipino.

our payment partners

  • GCash
  • PayMaya
  • GrabPay
  • InstaPay
  • ShopeePay
  • GoTyme
  • Komo
  • OwnBank
  • PesoNet
  • Tonik
  • Vbank
  • QRPH
  • GCash
  • PayMaya
  • GrabPay
  • InstaPay
  • ShopeePay
  • GoTyme
  • Komo
  • OwnBank
  • PesoNet
  • Tonik
  • Vbank
  • QRPH

What We Offer

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  • Fast, BSP-Regulated Settlements

    All payments are settled to your designated bank account via Gracia, typically by the next banking day, with full compliance to local regulations.

  • Unified Merchant Dashboard

    Manage all your digital payment transactions from a single interface — with real-time insights, reports, and downloadables.

  • All-in-One Payment Acceptance

    QRPH (Universal QR Code)

    • InstaPay & PESONet for bank transfers
    • Debit/Credit Card acceptance (via GraciaPay’s POS or online gateway)
    • Wallets & ePayments: GCash, Maya, GrabPay, ShopeePay
    • Over-the-counter integration (optional)

  • Full-Service Support

    GraciaPay provides end-to-end services including:

    • Merchant onboarding
    • Transaction dispute management
    • Customer service
    • Technical assistance
    • Risk & fraud monitoring

  • Developer Tools & Plugins

    Access a suite of REST APIs and plug-and-play integrations for:

    • POS systems
    • eCommerce platforms
    • Mobile apps

Who Can Use GraciaPay?

We serve a wide range of businesses

  • Retail Shops and Market Vendors
    Retail Shops and Market Vendors
  • Restaurants, cafés, and food stalls
    Restaurants, cafés, and food stalls
  • Service providers and freelancers
    Service providers and freelancers
  • Franchise businesses and cooperatives
    Franchise businesses and cooperatives
  • Online stores and delivery services
    Online stores and delivery services
If you’re a Philippine-registered business with a bank account and valid documents, you can start in just 1–3 days.

GraciaPay Requirements

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We serve a wide range of businesses:

Why Choose GraciaPay

What Merchants Say

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Start Accepting Digital Payments

  • STEP 1

    Complete the [Contact Us Form]

  • STEP 2

    Submit your required documents

  • STEP 3

    Activate your merchant dashboard and go live within 1–3 business days

GraciaPay

  • GraciaPay is the dedicated merchant payment platform of GraciaPay, a 100% Filipino-owned financial institution with a legacy of community-focused service since 1984. As a subsidiary of Vigan Banco Rural Incorporada (VBRI), GraciaPay is committed to empowering businesses across the Philippines with secure, efficient, and accessible digital payment solutions.
  • Built on GraciaPay’s robust infrastructure, GraciaPay offers a comprehensive suite of payment services, including QR Ph, InstaPay, and PESONet, ensuring seamless transactions for merchants and their customers. Our platform is designed with top-tier security measures, including end-to-end encryption and compliance with PCI DSS standards, reflecting GraciaPay’s dedication to safeguarding your finances and personal information.
  • At GraciaPay, we understand the challenges faced by businesses in today’s digital landscape. That’s why we provide a fully functional and secure dashboard, 24/7 customer support, and innovative features like payment links and recurring billing, all tailored to meet the unique needs of Filipino entrepreneurs.
  • Our mission aligns with GraciaPay’s commitment to making banking efficient and enjoyable. We strive to eliminate the frustrations often associated with traditional banking by ensuring that our systems and processes run smoothly, with minimal errors and waiting times.
  • Join us in transforming the way businesses handle payments. With GraciaPay, you’re not just adopting a payment solution; you’re becoming part of a movement towards a more inclusive and responsive financial ecosystem.

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Contact Us

info@graciapay.com

Powered by GraciaPay. Regulated by BSP.

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GraciaPay is operated by GraciaPay, a financial institution regulated by the Bangko Sentral ng Pilipinas (BSP). We comply with BSP Circulars on electronic payments, AMLA regulations, and the Data Privacy Act (RA 10173).

Copyright © 2025 GraciaPay. All rights reserved.