{"id":90757,"date":"2026-09-01T17:27:34","date_gmt":"2026-09-01T09:27:34","guid":{"rendered":"https:\/\/yufin.ph\/?p=90757"},"modified":"2026-09-01T17:36:13","modified_gmt":"2026-09-01T09:36:13","slug":"yufin-apple-pay-in-the-philippines","status":"publish","type":"post","link":"https:\/\/yufin.ph\/ceb\/yufin-apple-pay-in-the-philippines\/","title":{"rendered":"Apple Pay in the Philippines?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"90757\" class=\"elementor elementor-90757\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3dffac1 e-flex e-con-boxed e-con e-parent\" data-id=\"3dffac1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6d4b76c e-con-full e-flex e-con e-child\" data-id=\"6d4b76c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b685ca5 elementor-widget elementor-widget-heading\" data-id=\"b685ca5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Apple Pay in the Philippines?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b067cd6 elementor-widget elementor-widget-text-editor\" data-id=\"b067cd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"0 0 []\"><span class=\"x3jgonx\">Gerald Chua \u2022 August 14, 2026<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ae9e9e e-con-full e-flex e-con e-child\" data-id=\"2ae9e9e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b063be1 elementor-widget elementor-widget-image\" data-id=\"b063be1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/yufin.ph\/wp-content\/uploads\/2026\/09\/Blog-078-1024x576.jpeg\" class=\"attachment-large size-large wp-image-90759\" alt=\"Storefront of a sari-sari store.\" srcset=\"https:\/\/yufin.ph\/wp-content\/uploads\/2026\/09\/Blog-078-1024x576.jpeg 1024w, https:\/\/yufin.ph\/wp-content\/uploads\/2026\/09\/Blog-078-300x169.jpeg 300w, https:\/\/yufin.ph\/wp-content\/uploads\/2026\/09\/Blog-078-768x432.jpeg 768w, https:\/\/yufin.ph\/wp-content\/uploads\/2026\/09\/Blog-078-18x10.jpeg 18w, https:\/\/yufin.ph\/wp-content\/uploads\/2026\/09\/Blog-078-1000x563.jpeg 1000w, https:\/\/yufin.ph\/wp-content\/uploads\/2026\/09\/Blog-078.jpeg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17df70b e-con-full e-flex e-con e-child\" data-id=\"17df70b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f6378a3 elementor-widget elementor-widget-text-editor\" data-id=\"f6378a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Apple pay in the Philippines? Fantastic.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7437504 elementor-widget elementor-widget-text-editor\" data-id=\"7437504\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"update-components-actor display-flex update-components-actor--with-control-menu update-components-actor--in-modal align-items-flex-start\">\n<p data-pm-slice=\"0 0 []\">But when the next million merchants are using QR code transactions for cash-out costing 3% for their shoppers, 15-20 times more than for accepting payments for goods, one needs to pause and reflect.<\/p>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50d5b3c elementor-widget elementor-widget-text-editor\" data-id=\"50d5b3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Contactless, QR codes, swipe, dip are channels. They don&#8217;t majorly impact the economics of a payment instrument inherently.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e298149 elementor-widget elementor-widget-text-editor\" data-id=\"e298149\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>But when faced with a 2.5% or higher MDR on domestic credit and debit, mass market merchants will regress to cash.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f73c526 elementor-widget elementor-widget-text-editor\" data-id=\"f73c526\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Either find lower cost rails linked to contactless at POS, or let the QR PH MDR settle at 0.8% to 1%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c47694e elementor-widget elementor-widget-text-editor\" data-id=\"c47694e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Else, the next million merchants will either continue using cash, or at most, use their proprietary personal wallet accounts for closed loop QR code payments in a person to person mode.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Apple Pay in the Philippines? Gerald Chua \u2022 August 14, 2026 Apple pay in the Philippines? Fantastic. But when the next million merchants are using QR code transactions for cash-out costing 3% for their shoppers, 15-20 times more than for accepting payments for goods, one needs to pause and reflect. Contactless, QR codes, swipe, dip&hellip;<\/p>","protected":false},"author":2,"featured_media":90758,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[255],"tags":[],"class_list":["post-90757","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>yufin: Apple Pay in the Philippines<\/title>\n<meta name=\"description\" content=\"Apple Pay in the Philippines is fantastic. 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