An incredible meal, and the restaurant only takes cash or GCash.
CocoSend lets you pay local vendors in the Philippines from your phone, funded from your bank, Wise, or card. They get pesos in GCash or their bank account.
Load your CocoSend balance before you travel, from your bank, Wise, or card. Turn on auto-reload so it refills itself. You see the rate before you pay.
The vendor has a QR code at their counter. Scan it with the app, confirm the amount, and pay in seconds.
CocoSend settles pesos into the GCash or bank account the vendor already uses with locals. Same money, same place.
Locals pay for everything by GCash. A visitor's only route in is a 30-day tourist wallet, open to US phone numbers, that can't be activated until you land. Your home card isn't accepted at many of the places you'll want to buy from. Cash means finding an ATM that might not exist. CocoSend is built for that moment at the counter.
CocoSend settles into the vendor's own GCash or bank account, never against it, so the person you're buying from is glad to take it.
| When you want to pay a local vendor | CocoSend | Cash / ATM | Foreign card | GCash (local only) |
|---|---|---|---|---|
| Available to a foreign visitor | Yes | Yes | Yes | US numbers only, 30 days |
| Works with local vendors | Yes | Yes | Rarely | Yes |
| Setup needed on arrival | Just the app, from home | Find an ATM | None | Activate on arrival |
| Cost on small purchases | Clear, no hidden fees | ATM + FX fees | FX + DCC markup | Low |
| Instant proof of payment | Yes | No | No | Yes |
Not yet, but we're building now and launching soon. Join the waitlist and you'll be among the first in when we go live.
No. You don’t need a local wallet at all, and nothing expires after 30 days. You load CocoSend from your bank, Wise, or card and pay from that balance.
You top up from your bank, Wise, or card, with optional auto-reload so you never run dry. We charge a clear fee when you load, with no surprise ATM withdrawals or dynamic-currency markups on small amounts.
CocoSend settles Philippine pesos straight into the GCash or bank account the vendor already uses.
Your balance is prepaid: you can only spend what you have loaded, and you get an instant receipt for every payment. CocoSend never holds customer money itself. It sits at a partner bank, in an account for the benefit of customers, kept separate from CocoSend's own funds. Your balance is not a bank deposit and is not insured by the FDIC, PDIC, or any government agency.
Available to vendors anywhere in the Philippines from launch. Join the waitlist and we'll tell you the moment we go live.
Join the waitlist and we'll tell you the moment we launch.
CocoSend