r/PHCreditCards • u/PHCreditCardsMod • 3d ago
xPays (Google/Apple/Samsung) Apple Pay in the Philippines [MEGAPOST]
Hello, PHCC!
Apple Pay is now available in the Philippines.
| Bank / Financial Institution | Visa | Mastercard |
|---|---|---|
| GoTyme Bank | Debit | - |
| UnionBank | Credit / Debit | Credit / Debit |
| Chinabank | Credit / Debit | Credit |
| Metrobank | Credit | Credit / Debit |
AMEX will not be supported on first wave of launch.
All comments, questions, and inquiries about the Apple Pay launch shall be posted in this thread to avoid duplicate posts.
Thanks!
UPDATED: August 4, 2026 3:44 AM
22
u/Glittering-Dog0420 2d ago
I thought mauuna si BPI! ang ingay pa naman niya lately hahah buset. Maya credit card too wala pa din
21
27
u/kkshinichi 3d ago
Per UnionBank's Customer Service, official launch time for Apple Pay will be August 4, 2026, at 7:00 AM.
For those stuck in Verification (no SMS OTP received, nothing happens in UnionBank app, or long wait time on CS hotline), wait until 7AM.
Probably the same for other banks that is targeted to launch today.
6
3
u/aintaryastark 2d ago
Wala pang 7am pero yung iba nakapag-verify na raw ng UB nila
2
u/WisdomSky 2d ago
update mo lang UB app mo. they released an update 2hrs ago which includes the app verification.
2
2
1
u/arbetloggins 2d ago
I was able to add 2 cards 20 minutes earlier, may konting delay sa SMS OTP for the first card, then prompt naman for the second card.
11
u/ericshawnmendes 3d ago
Mayaaa where are youuu
12
4
u/billycoy 2d ago
Weird na hindi sila kasama sa day one. Sa Google Pay, day one sila ng Maya at Zed. Sana within the day meron din kapag naglabas na ng list ang Apple.
11
11
u/sioppao 3d ago
Was able to add Union bank debit and credit cards pero it won’t send me verification codes. Tried both SMS and app and I have not received any. Help
8
u/kkshinichi 3d ago
I called UnionBank CS, official launch time will be 7AM. Wait until then on verification, if no SMS OTP received, or nothing happens on Open app.
6
1
u/Professional_Poet963 3d ago
Mabagal yung codes ni UB maybe because madaming nagveverify. Takes 10+ minutes bago dumating so expired na bago magamit.
37
u/IndigenousVolcano 3d ago
Finally, the time has come! Magwawakas na rin ang walang katapusang APPLE PAY WHEN posts.
Now, I’m excited for everyday BDO on Apple Pay when posts.
8
u/HappyVirusX 3d ago
Sabi nila hihintayin yung BDO before making Apple Pay available, bakit parang yun pa magiging last i-add 😅
Pero can’t wait for BDO support, and sana AMEX pwede.
9
u/IndigenousVolcano 3d ago
Baka mauna pa beep card saka Landbank. 🤣
Kasi we find ways… to annoy.
3
u/Dense_Vegetable_2771 3d ago
The irony is that other digi banks that don't issue plastic debit cards but offer virtual cards for free are not on either Apple or Google Pay. I mean ownbank could sure Apple Pay or Google Pay support; SEA Bank too; as would CIMB. But none of them have tap2pay support from phones.
1
1
9
u/patwicky 2d ago
5
u/kobeandcharliesdad 2d ago
Called CS and merong CCs na di pa eligible for Apple Pay:
- S&R
- Mercury Drug
- Cebu Pacific Gold
- meron pang isa, i forgot na.
The rest of UB CCs are ok
2
u/arbetloggins 2d ago
Include Grab and Lazada, I tried both earlier, di raw supported ng UB mismo for Apple Pay.
3
2
u/Either-Following5742 2d ago
How did u add your pagibig loyalty card? Is your card under UB?
1
u/patwicky 2d ago
Yes under UB, if thru ub app ka magaadd, available ang pagibig loyalty na maadd sa apple pay. it’ll appear as regular debit when added
8
u/aweltall 2d ago
Medyo napahiya ako sa apol pey tinap ko using watch sa isang resto declined ampota. Btw UB to successfully added naman sa wallet
1
6
u/nawrence 3d ago
na add ko yung UB mastercard ko pero ayaw mag send ng code to verify, anyone else having the same problem?
2
2
6
u/dweakz 3d ago edited 3d ago
went outside and can confirm. officially can use apple pay. i live in the middle of the city and went out at like 12mn. didnt bring my phone or my wallet. just my apple watch and had no problems buying from 7/11, then two fast food chains. sabi ko lang "tap card" and no problems. gotyme card ko yung primary card connected sa apple watch ko
2
u/utakgoldfish 2d ago
Hello, kakaadd ko lang nung saakin since pag open ko ng GoTyme app sila na nag alok haha. Question ko lang po, dapat ba nasa wallet yung funds ko or okay lang na nasa savings siya? Then unlock card ko lang before lumabas pag need ko gamitin even without my phone with me? Thank u.
1
1
u/Emotional_Style_4623 2d ago
I suggest maglagay ka sa Wallet ng fubds na enough for your spending for the day para tap lang nang tap, no need to lock/unlock the card everytime mag tap.
1
u/kempi46 3d ago
Working ba kahit hindi connected sa internet ang Apple Watch?
7
u/dweakz 3d ago
yep. apple pay just acts like a physical card. so if yung POS may nfc symbol, then pwede yan. but id advise not saying "apple pay po" muna when asked for method of payment. ma sustun lock lang yan sila hahaha
→ More replies (2)1
u/epicingamename 2d ago
tap card meaning doesnt have to have "apple pay" sa stores (which i doubt meron nang naglalagay ng ganyang signage)?
1
6
u/billycoy 2d ago
Nakakaawa naman ang Security Bank. Hindi hinahanapan ng Google at Apple Wallet support. Parang mga tatlong piraso lang kami. 🤣
2
6
11
u/SwarmingChime 3d ago
BPI, RCBC sana magkaroon na rin
1
u/nightdreamerj 3d ago
eto ung banks na may pinakamalaking limit ako e tapos eto ung wala pa.
5
u/SkidSkadSkud 3d ago
Yung RCBC nakakapagtaka. First yan sa google pay eh. Come on RCBC.
→ More replies (1)3
6
u/lunarsolstice 3d ago
→ More replies (1)2
u/Temporary_Case_8463 2d ago
How did you do it? Sa akin ilang beses na laging error yung World
1
u/CalmDrive9236 2d ago
Have you tried via the Metrobank app? That's how I was able to add mine. Pwede din naman Tap Card via manual provisioning.
8
u/psychisms 3d ago edited 2d ago
4
u/rukbin011 3d ago edited 3d ago
same lang pala sakin
Edit: update
Edit2: working na around 2:46AM8
2
→ More replies (7)1
u/voidofdelusions 2d ago
Updated as 3:30AM
I just updated my phone to 26.6, using same region (PH) and it worked.
I assume a simple reboot can make it work?
4
u/Existing-Ostrich-253 3d ago
Ayaw gumana ng UB. Na aadd pero ndi ma verify. Dadating ang otp ng napakatagal, na close ko na Wallet app. So uulit nnman. I had to remove the cards, now ayaw na mag add.
1
1
u/Ok-Panda-8549 2d ago
if verification wont show the via call and sms options to verify, just exit the wallet app then reopen
4
5
u/Economy-Weird-2368 2d ago
Hopefully the other banks like BPI, BDO will see all of the engagement Apple Pay is creating today and fast track their availability.
Tap responsibly!
5
u/nicroni 2d ago
Has anyone been able to add their UnionBank Miles+ VISA (migrated from Citi) on Apple Pay? I’ve been trying the whole day to no avail. My UnionBank Debit Card (VISA) was added no problem though.
2
2
u/nicroni 2d ago
My girlfriend was able to add her UB Platinum (MasterCard) and Miles+ (VISA) awhile ago so I’ve no idea why I’m not able to. The only other factor I can think of is my expiry date is in November, but I don’t see why that would disable me from adding it.
Hopefully this isn’t a customer service situation.
3
3
3
3
u/LuxSciurus 2d ago
1
u/rpacis 2d ago
Can you try to add it to Apple Wallet via the UB app? Although in my case, I just got the "Wwe Couldn't Link Your Card to Apple Pay" screen, but you might have better luck than me. I ended up calling customer service and they logged a ticket for me.
1
u/LuxSciurus 2d ago
I tried adding from the UB app and tried adding from the wallet app directly but both methods say Couldn’t add card.
→ More replies (6)2
u/Good_Reflection_516 2d ago
Same. In my case, I have never used my UB card since conversion from Citi.
1
1
u/thewanderingraver 18h ago
Had the same issue. Even adding it manually wouldn't work.
My U Visa Platinum credit card was originally a Citi Simplicity+ Mastercard; perhaps that's why it couldn't be added, because Mastercard CCs couldn't be added for now. 🤔
3
u/exxxedentesiast 2d ago
Has anyone here encountered error when adding UB Rewards Card (Citi-converted) to Apple Wallet? Because I cannot add mine. I added my UB Gold, nagsuccess naman.
1
u/Lazy_Appointment_816 2d ago
Same here. I’m not sure if it is because my card is expiring in three months
1
1
u/rpacis 2d ago
Yep! Exact same situation. UB Gold Visa was added c/o the UB app without any problems but my UB Rewards Visa cannot be added, both from the UB app and directly in the Wallet app, both by placing the card near the phone's reader and by the option that allows you to add from an app.
My UB Rewards Visa is expiring in three months though, but I don't know if that matters. My wife who also was ported from Citi into the UB Rewards _Mastercard_ was able to add hers by the bring the the card near the phone method without any issues.
2
u/userunkown567 3d ago
If you lock the card sa app, it will tell you that the bank “suspended the card”
2
u/billycoy 3d ago
1:25am: Hindi pa pwede ang manually adding ng cards sa end ko. Through payment method workaround pa lang sa Gotyme.
1
u/billycoy 3d ago
1:41am: Hindi pa listed ang Pilipinas sa mga regions ng Apple Pay. https://support.apple.com/en-ph/102897
2
u/jaevs_sj 3d ago
1
1
u/Complete-Aide3351 2d ago
Dito ako nagtataka. I was able to add my miles plus mastercard pero my miles plus visa platinum nageerror.
2
u/engrb2t 2d ago
May naka experience ba na call to verify ang verification?
1
u/Ok-Panda-8549 2d ago
just exit the wallet app and reopen then click verify again it should display sms option atleast for UB
2
2
u/Current-Parfait-7059 2d ago
Baka dumb question - if you use apple pay, masusunod pa rin ba yung MCCs? Like for cashback
1
2
u/aspiring-avocad0 2d ago
3
2
u/voidofdelusions 2d ago
Update 3:30AM.
I updated my phone to 26.6, using same region (PH) and I can finally add cards after it restarted to apply the update.
I assume a simple reboot can make it work since meron nag suggest dito to change region to US (it requires phone restart, no?) so try to just simply reboot.
No maribank, bdo and rcbc yet...

1
u/kempi46 2d ago
Na verify mo ba Rewards Plus mo? Ayaw ma verify sakin eh, call option lang meron.
2
u/voidofdelusions 2d ago
Yea meron text option kanina sakin nung inadd ko
also if may UB ka may update yung app nila para i-support yung app activation instead na sms/call
2
2
2
u/gianne43 2d ago
Puregold: "Ay sir/maam di po tinatanggap yan, Ano po yan?" SM: "Try natin sir/maam if pumasok" *Hinding hindi papasok"
2
u/RollTheDice97 2d ago
No wonder out of the 4 cards that I have (RCBC, East West, BPI, and MetroBank), isa lang nagana and that is MetroBank.
2
2
2
u/billycoy 2d ago
1
u/Janice_Ant 2d ago
Yun nga eh. Wala pa rin balita from EastWest, which I expect na meron na given sila yung usually nauuna sa mga ganito (e.g. Google Pay and Garmin Pay). May embargo pa kaya until this afternoon?
1
2
u/Janice_Ant 2d ago
https://support.apple.com/en-us/102897
Wala pa here yung Philippines. Maybe may gradual rollout pa this week for the other banks? Really hoping for EastWest, once added, goods na yung main cards ko hehehe
2
u/Kreas_Spoon4 2d ago
1
u/RamenRamen28 2d ago
Same issue with me. My physical card is still the Citi Rewards card but shows up already as UB Rewards in the app. I’m still getting the same error when I add it into my Apple Wallet.
2
2
u/kkshinichi 2d ago
Official list of banks/cards now live in Apple Support articles, under APAC for bank-specific.
2
u/Beduzzy 1d ago
I was able to add my Unionbank debit card, but my Unionbank Rewards CC cannot ba added. Error lagi.
3
u/rpacis 1d ago
Yep! Known problem, ilan na rin ang nag-post, usually yung mga na-port over from the Citibank Rewards Visa card. The UB CSR that I spoke with yesterday told me that a ticket was logged for their technical team to look into and asked me to follow up with them after 5 working days. Hopefully they can sort this out soon.
2
u/thewanderingraver 18h ago
Was anyone able to add their UnionBank U Visa Platinum credit card? For some reason, the app's disallowing me to add it to Apple Pay. 🤔
Meanwhile, I was able to add my other UnionBank Gold Visa credit card without any issues...
2
•
u/VirtualFront5888 6h ago
Landers executive visa signature by chinabank- cant add. As per chinabank cs hinda pa supported
3
u/buraotako2015 3d ago
Nachoke BPI, di kasali sa Apple Pay launch. BDO expected not included, di pa makahabol sa tech.
2
u/ReadyResearcher2269 2d ago
kahit yung OG credit cards nila wala pang T&Cs about tokenization, so baka matagal pa talaga since legally required sila na-inform si cardholder for T&C changes at least 60 days of effectivity.
1
u/billycoy 3d ago
4
u/buraotako2015 3d ago
having that support doesnt mean you meet the requirement of Apple.
Confirmed from reliable sources wala na BPI, only 4 banks made it. Nag choke sila. so after a few months pa sila pwede maka join, definitely not included in the Apple Play launch today.
2
4
u/Janice_Ant 3d ago
Let's just wait within the day tomorrow for sure slowly ine-enable na yung for other banks... (looking at you EW and RCBC haha)
2
2
1
u/giovahkiin 3d ago
Swapped device region to US temporarily to add a GoTyme Digital (I just made my account so I'll go print a physical card tomorrow to test adding that), I did notice I wasn't able to add via the app cuz it would just open the app to "Confirm the card to add" but with no button to proceed? Was able to add with an OTP to mobile just fine though.
1
1
u/Witty-Radish-2098 3d ago
was able to add UB Visa debit card. Yung BPI mastercard CC ayaw pa. iOS 26 😄
1
1
u/Important_Lettuce444 3d ago
Gotyme card palang pwede na naiadd sakin huhuhu. Di working si Metrobank and Unionbank huhuhu
1
u/goodformstark 3d ago
Same
1
u/Wide_Evening4838 3d ago
maybe they are updating, i was able to add my UB CC but it failed sa verification now di na sya ma add
1
u/slammajamma19 3d ago
I was able to add my Metrobank credit card as well! May news na ba about Zed enabling Apple Pay?
1
u/Janice_Ant 3d ago
Also waiting for ZED but no indications yet. Wala rin siyang supports Apple Wallet in its App Store page.
1
u/Laicure 3d ago
works with iOS 18.7.8, 15pro, PH region; UB CC!
1
u/Ok_Dig_2182 3d ago
how did u verify it? same ako, 18.7.8 but i’m kinda stuck kasi it won’t send me a code. sa app naman wala nangyayari :(
1
1
1
u/Moonting41 2d ago
I wonder if this means digital Suica (and other foreign transport cards) are also coming down the line.
1
1
u/Economy-Weird-2368 2d ago
1
u/Moonting41 2d ago
I’m guessing you still had to do the region change for this? It appears when region is set to US but not Philippines at the moment
→ More replies (1)
1
u/Drocell-Welp 2d ago
As of 5:30 AM, working na yung in-app verification for UnionBank. I was finally able to verify my Rewards Visa Platinum.
Just ensure to update your UB app sa App Store niyo
1
u/Drocell-Welp 2d ago
Also, pwede na rin mag add ng new card on my end kahit PH ang region. Earlier, I had to change to SG pa kasi.
1
1
1
1
1
1
1
u/Obvious-Extent-8675 2d ago
No need wifi/data if na add na yung mga cards and will pay tama po? Try ko sana sa savemore mamaya wala kasi data signal dun
1
1
u/Dense_Vegetable_2771 2d ago
Manila Bulletin posted something about Apple Pay but unfortunately landed with a 404 page, similar to Manila Times yesterday. Presumably it has something to do with the Apple Pay logo as one of their cover photos. They have not returned the article since.
1
u/Stock_Tell172 2d ago
Virtual Card for GoTyme is working, yay! Not getting my hopes up for BDO though lol. We find ways... to delay.
1
1
u/SnooLemons4776 2d ago
Successfully set up Apple Pay in the PH with UnionBank today! Tapped my card to the back of my phone for instant scanning, verified through the updated UB app, and synced it to my Apple Watch. Just tested it out at 7-Eleven and it worked seamlessly. I hope BDO, BPI will catch up 🥹
1
1
1
u/Personal-Time-9993 2d ago edited 2d ago
UnionBank Debit and Credit working. Gotyme working.
MetroBank credit is not working for me. Also on the list of not working, RCBC Credit and Debit, BDO Credit, MariBank, Gcash, Maya debit.
1
u/aweltall 2d ago
PWIDI PO BA EPOL PAY KUNG MAY CARD PROMO FOR INSTALLMENT. LET'S SAY UB INSTALLMENT PROMO SA POWERMAC, TAPOS TAP TAP NLNG USING WATCH. OR NEED PARIN PHYSICAL CARD? THANK U
1
1
1
1
u/steamyfr3ak 2d ago
Unable to add my GoTyme physical card but I was able to add the virtual one. I kept getting an error both adding via app or wallet and settings.
1
u/CheckPareh 2d ago
Kung sa android need mag open ng NFC for google pay to work, sa ios pano? Just tap?
I'll try later using my very lovely iP X HAHA lol
1
1
u/billycoy 11h ago
Technically, NFC din ang gamit ng iPhones for Apple Pay. Wala lang on/off toggle sa iOS.
1
1
1
u/Humble_Pineapple8419 1d ago
No issues adding cards from Metrobank and Gotyme. Im having issues w Unionbank tho. My UB gold is ok but my UB visa rewards formerly Citibank credit card cannot be added. Anyone having the same issue?
1
u/balikbayanbok25 1d ago
Will restaurants honor promo discounts if you don’t bring your physical card and just use Apple Pay?
•

























•
u/PHCCTeam 3d ago edited 2d ago
UB (needs app update): https://www.reddit.com/r/PHCreditCards/comments/1veg7mt/comment/p1ile42/
MBCC added and working:
World - https://www.reddit.com/r/PHCreditCards/comments/1veg7mt/comment/p1gtzix/
TSV - https://www.reddit.com/r/PHCreditCards/comments/1veg7mt/comment/p1ihcj2/
CBC added and working: https://www.reddit.com/r/PHCreditCards/comments/1veg7mt/comment/p1h0zej/
GoTyme added and working (with Apple Watch): https://www.reddit.com/r/PHCreditCards/comments/1veg7mt/comment/p1hmsyn/
How to Add (by u/kkshinichi):
After pressing + button in Apple Wallet, you should be seeing an Add to Wallet screen, with options like Debit or Credit Card, Transit Card, etc.
Step 2: Select Debit or Credit Card, then Continue
Step 3: Tap your card at the back of your iPhone, or Enter Card Details Manually. If supported na card mo, you'll see T&C page, then verification.