An incredible meal, and the restaurant only takes cash or GCash.
CocoSend lets you pay any local vendor in the Philippines from your phone, funded from your bank, Wise, or card. They get pesos in GCash.
Load your CocoSend balance before you travel, from your bank, Wise, or card. Turn on auto-reload so it refills itself. Clear pricing, no hidden markups.
The vendor has a CocoSend QR code at their counter. Scan it with the app, confirm the amount, and pay in seconds. They hear a confirmation chime the instant it lands.
CocoSend settles pesos into the GCash wallet the vendor already uses with locals. Same money, same place.
Locals pay for everything by GCash, but a visitor can't set one up without a Philippine SIM and local ID. Your home card isn't accepted at most places. Cash means finding an ATM that might not exist. CocoSend is the only way to actually pay.
CocoSend settles into the vendor's GCash, 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 | Needs PH SIM + ID |
| Works with any local vendor | Yes | Yes | Rarely | Yes |
| Setup needed on arrival | Just the app, from home | Find an ATM | None | SIM + local ID |
| 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 load CocoSend with your own card or stablecoin and pay from that balance. The local SIM and ID checks that block visitors on GCash aren't needed.
You top up from your bank, Wise, or card, with optional auto-reload so you never run dry. The cost is built into a clear conversion rate that varies by funding method, with no surprise ATM withdrawals or dynamic-currency markups on small amounts.
CocoSend settles Philippine pesos straight into the GCash wallet the vendor already uses. They sign up once for free and link that wallet, and after that nothing changes in how they get paid.
Your balance is prepaid and held with a licensed payment partner in a segregated account. You only spend what you've loaded, and every payment gives you an instant receipt. Your balance is not a bank deposit and is not insured by the FDIC or any government agency.
Tell them about CocoSend on the spot. They sign up free in minutes, and next time you visit you can pay them. Any vendor, anywhere in the country, can join.
Available to vendors anywhere in the Philippines from launch. The platform is built to spread on its own as visitors and vendors invite each other. 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