Apple Pay could launch in PH anytime after Google Pay — it’s now up to Apple

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Apple Pay could roll out in the Philippines at any time now, following Bangko Sentral ng Pilipinas (BSP) confirmed no registration is required.

BSP Deputy Governor Mamerto E. Tangonan confirmed that Apple Pay is not classified as an operator of payment systems (OPS) under current Philippine regulations.

This means the service does not need prior registration with the central bank, as it does not hold customer funds or directly process payment settlements. Instead, Apple Pay functions by facilitating credential processing through partner banks and payment providers.

“Google Pay has launched. So, it’s up to them (Apple Pay) when they will launch,” Tangonan told reporters, noting that the regulatory pathway is now clear.

Google Pay officially entered the Philippine market in late 2025 through Google Wallet, allowing users to link their debit or credit cards and make tap-to-pay transactions at compatible terminals.

Despite receiving the BSP’s green light, Apple has yet to announce a launch date or provide details on a potential rollout timeline.

Some industry watchers and local fintech leaders have previously pointed to a possible third-quarter 2026 launch, as banks and partners complete technical integrations.

Apple Pay is Apple’s contactless mobile payment service that lets users pay in stores, within apps, and on websites using their iPhone, Apple Watch, Mac, or iPad.

With regulatory hurdles now out of the way, the timing of Apple Pay’s arrival will largely depend on Apple’s internal plans, commercial agreements with Philippine financial institutions, and overall merchant readiness.