Now live nationwide

Send, pay & save.
One wallet for every Juan.

Baya Pay makes your money move. Send cash free and instantly, pay bills, buy load, scan QR to pay, and grow your savings at up to 4.5% p.a. — all from one secure app built for the Philippines.

Download on the App Store GET IT ON Google Play

3.2M+ Filipinos on board

4.9 · App Store

9:41
AS

Kumusta,

Andrea S.

Total balance

₱24,850.00

+₱1,200 this week •••• 4821
Send
Request
Scan
Load

Baya Ipon

Earn as you save

4.5%

p.a. interest

Recent activity

See all

Meralco

Electricity bill

-₱1,847.00

Cash in · BPI

Bank transfer

+₱5,000.00

Marco Reyes

Sent · Merienda

-₱750.00

Pay 700+ billers & buy load from every network

MeralcoMayniladSmartGlobePLDTConvergeSSSPag-IBIGCignalMeralcoMeralcoMayniladSmartGlobePLDTConvergeSSSPag-IBIGCignalMeralco

Everything money

One app for the way Filipinos actually pay.

From padala to bills to sari-sari store scans, Baya Pay replaces the errands, the queues and the service fees with a few taps.

Send money, free & instant

Send padala to any Baya Pay user, or transfer to any bank and other e-wallets via InstaPay — landing in seconds, not days. No maintaining balance, ever.

To Lola Baby · GCash

₱2,000.00

up to 4.5% p.a.

Baya Ipon — save & earn daily

Set aside as little as ₱50 and earn interest paid daily — far above a regular savings account. No lock-in, withdraw anytime.

Pay bills

700+ billers — Meralco, Maynilad, PLDT, Pag-IBIG, SSS, tuition and more. Save them once, pay in two taps.

Buy load

Reload any network — Smart, Globe, TNT, DITO, TM — plus data promos and gaming pins at zero markup.

Scan-to-pay QR

One QRPH code works everywhere — sari-sari stores, palengke vendors, malls and jeepneys. No cash, no change.

₱0

fees

Free transfers, always.

Baya-to-Baya sends, cash in from partner banks, and QR payments never cost you a peso. What you see is what you send.

  • Zero send fees
  • No maintaining balance
  • Free cash in via banks

Get started

Up and running in under five minutes.

No branch visit, no paperwork, no minimum deposit. Just your phone and a valid ID.

01

Download & verify

Grab Baya Pay free, sign up with your mobile number, and verify with one valid ID. Fully KYC-approved in minutes.

02

Cash in, your way

Add money free from any bank, or over-the-counter at 7-Eleven, Palawan, Cebuana and 40,000+ partners nationwide.

03

Send, pay & grow

Send padala, settle bills, scan QR to pay, or move it to Baya Ipon to earn — instantly, securely, anytime.

Security & trust

Your money is safe.
Guaranteed, not implied.

Baya Pay is built to the same standards as the banks you already trust — regulated, insured and monitored around the clock, so you can move money with total peace of mind.

99.99% uptime

and zero unauthorised-transaction losses to date.

BSP-regulated EMI PCI-DSS compliant ISO 27001

Bank-grade encryption

Every transaction is protected with 256-bit end-to-end encryption. Your data never travels in the clear.

Licensed & regulated

Baya Pay operates as an Electronic Money Issuer under a Bangko Sentral ng Pilipinas licence.

Funds insured up to ₱1M

Your money is held in trust with BSP-supervised partner banks and insured, peso for peso.

Biometric + PIN lock

Face ID, fingerprint and a 6-digit PIN guard every login. Only you can open your wallet.

24/7 fraud monitoring

Our systems watch every transaction in real time and can freeze suspicious activity in an instant.

You're always in control

Freeze your wallet, set spending limits and review every login and device right from the app.

For business

Get paid faster, from sari-sari to storefront.

Turn any phone into a cashless counter. Over 500,000 Filipino merchants already accept Baya Pay — from talipapa vendors to café chains.

Accept QR in minutes

Print your free QRPH standee or show it on-screen. Customers scan, you get paid — no terminal, no wires.

Next-day settlement

Sales land in your bank account the very next business day. No lock-ins, no surprise deductions.

Live sales dashboard

Track earnings, top items and busy hours in real time. Add cashiers with their own limited access.

Payout fees from 0.9%

Among the lowest in the country — with zero setup fee, zero monthly fee and no hidden charges.

Become a Baya merchant
AN

Aling Nena's Store

Poblacion, Makati

Live

Sales today

₱18,240

142 QR payments · +23% vs kahapon

This week Mon–Sun

Josel M.

Paid via QR · 2 min ago

+₱185.00

Kervin D.

Paid via QR · 8 min ago

+₱540.00

Fees & pricing

Transparent pricing. No hidden charges.

What you see is what you pay. Most things are simply free — here's the full, honest breakdown.

Personal

Free forever
₱0 / month

Everything you need to send, pay and save. No maintaining balance, no monthly fee.

  • Free instant sends to any Baya user
  • Free bank & wallet transfers via InstaPay
  • Pay 700+ bills & buy load — no markup
  • Baya Ipon savings at up to 4.5% p.a.
  • Free QR payments at 500k+ stores
Get the app

Merchant

For businesses
0.9% / transaction

Accept QR payments and settle next-day. No setup fee, no monthly fee, cancel anytime.

  • Free QRPH standee & in-app QR
  • Next-business-day settlement
  • Real-time sales dashboard
  • Add cashiers with role limits
  • Priority merchant support
Register a business

The full fee schedule

Effective 2026
  • Send to Baya Pay users Free
  • Transfer to banks & e-wallets (InstaPay) Free
  • Cash in via bank, card or partners Free
  • Pay bills (700+ billers) Free
  • Buy prepaid load & data Free
  • Cash out over-the-counter 1% (min ₱15)
  • Baya Ipon savings interest Earn up to 4.5% p.a.

Baya Pay is a fictional brand created by Micara for demonstration purposes. Figures shown are illustrative.

Get Baya Pay

Your whole wallet, in your pocket.

Join 3.2 million Filipinos already sending, paying and saving smarter. Free to download, free to use.

4.9

180,000+ ratings

₱120B+

moved every month

Download on the App Store GET IT ON Google Play

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