Digital Payments Reach 64.7% of Philippine Retail Volume as Scam Losses Mount

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Digital methods accounted for 64.7 percent of retail payment volume in the Philippines in 2025, up from 57.4 percent the year before, according to the central bank. The same year, an estimated 11.7 million Filipino adults reportedly lost money to scams, averaging about P10,427 each, based on a survey-extrapolated estimate. Growth in transaction counts outpaced growth in transaction value, with person-to-merchant payments rising in volume while their total value fell. QR Ph processed more transactions than debit and credit cards for the first time, and PESONet transfers overtook checks. The report also noted that 84 percent of adults faced at least one scam attempt in the past year, with digital wallets being a common channel for collecting fraudulent payments.

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