simplify payments across southeast asia's markets

Access a $268B digital commerce region of 675M+ people where e-wallets and A2A-led payments dominate and are key to scale.

Market Info

  • Southeast Asia’s core digital markets represent $268B in e-commerce volume

  • Home to 675M+ people across mobile-first markets

  • 20%+ cross-border share across major regional markets

  • Strong adoption of wallet and A2A payment ecosystems

How EBANX Helps

  • One integration to access Southeast Asia’s key digital markets

  • Launch across multiple countries without rebuilding your payment stack

  • Replicable payment bundles designed for fast regional rollout

  • Unified reporting, routing, and orchestration across markets through one API

  • Regional infrastructure with EBANX APAC headquarters in Singapore and MAS regulatory presence

Payment Coverage

  • EBANX enables the most popular wallets, A2A transfers, QR rails across Southeast Asia

  • Direct integrations with major local PSP ecosystems across the region

  • Performance optimization designed to improve approvals and checkout reliability

Market Coverage

The Philippines

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Indonesia

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Thailand

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The Philippines

One of the world’s fastest-growing, wallet-first digital markets

The Philippines is one of Southeast Asia’s fastest-growing digital commerce markets, with strong cross-border demand and digital wallets like GCash and Maya leading online payments — making local payment acceptance essential to reach millions of highly engaged consumers.

Country overview

  • Population: 118M (2nd largest in Southeast Asia)

  • 35M new consumers expected to join the middle class by 2035

  • 98% of the population has internet access and users spend ~9 hours per day online (among the world’s most active internet users)

Market info

  • Total e-commerce market is $43B in 2026 and is expected to reach $61B by 2028

  • 28% of e-commerce sales are cross-border, one of the highest rates in Southeast Asia

  • Retail e-commerce reached $15.5B in 2024

Buyers profile

  • 47% of adults already shop online

  • 46% shop online more than once per month

  • 57% of online purchases made on mobile devices

  • Social commerce plays a major role in purchase discovery


Payment preferences 

  • With a 34% market share, digital wallets are the primary way Filipinos pay online

  • Bank transfers represent 16% of e-commerce volume, reinforcing their role as a trusted payment method

  • Credit cards represent 20% of volume but remain limited in access

  • Cash on delivery still represents 13% of transactions

Sources: PCMI, 2025; Statista, 2025; World Data Lab, 2026; World Bank Global Findex, 2025

EBANX Payment Coverage in The Philippines

Payment Methods
Installmentswhen a payment is made at intervals
Recurring
International Settlement
Domestic Settlement
Maya
Installments

No

when a payment is made at intervals
Recurring

Yes

International Settlement

Yes

Domestic Settlement

No

No
Yes
Yes
No
GCash
Installments

No

when a payment is made at intervals
Recurring

No

International Settlement

Yes

Domestic Settlement

No

No
No
Yes
No
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Indonesia

a wallet-led digital commerce powerhouse in southeast asia

Indonesia is Southeast Asia’s largest digital economy, combining a rapidly expanding middle class with a wallet-led payment ecosystem where cards play a minimal role — creating a major opportunity for global merchants that localize checkout to reach millions of new online consumers.

Country overview

  • Population: 118M (2nd largest in Southeast Asia)

  • 35M new consumers expected to join the middle class by 2035

  • 98% of the population has internet access and users spend ~9 hours per day online (among the world’s most active internet users)

Market info

  • Total e-commerce market is $106B by 2026 (the largest digital economy in Southeast Asia)

  • 20% of e-commerce sales are cross-border, indicating a solid consumer appetite for international brands

  • Retail e-commerce reached 46B in 2024

Buyers profile

  • 44% of adults already shop online

  • 43% of adults already make digital payments

  • A significant portion of consumers are regular shoppers. 37% shop online weekly, while another 36% shop once a month.

  • 96% of online shoppers purchase via mobile devices

Payment preferences 

  • Digital wallets represent 42% of Indonesia’s e-commerce value and remain the dominant checkout method

  • Credit cards represent less than 5% of transactions

  • A2A payments projected to reach 38% share by 2030, making them the second payment rail in the country

  • Over 85% of e-commerce expected to run on digital rails by 2030

Sources: PCMI, 2025; Statista, 2025; World Data Lab, 2026; World Bank Global Findex, 2025

EBANX Payment Coverage in Indonesia

Payment Methods
Installmentswhen a payment is made at intervals
Recurring
International Settlement
Domestic Settlement
OVO
Installments

No

when a payment is made at intervals
Recurring

Yes

International Settlement

Yes

Domestic Settlement

No

No
Yes
Yes
No
DANA
Installments

No

when a payment is made at intervals
Recurring

No

International Settlement

Yes

Domestic Settlement

No

No
No
Yes
No
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Thailand

a highly banked digital commerce market with strong cross-border demand

Thailand is one of Southeast Asia’s most mature digital commerce markets, with 83% of adults already using digital payments and real-time A2A transfers dominating checkout — making local payment integration essential to reach the majority of Thai online consumers.

Country overview

  • Population: 72M (4th largest in Southeast Asia)

  • 97% of adults are banked

  • 5M new consumers expected to enter the consumer class by 2035

Market info

  • Total e-commerce market is $51B in 2026 — the second largest in Southeast Asia — and is projected to reach $58.5B by 2027

  • 30% of e-commerce volume is cross-border which is above the Southeast Asia average

  • Retail e-commerce reached 24B in 2024

Buyers profile

  • 55% of adults already shop online

  • 83% of adults already make digital payments

  • 76% of consumers shop online at least once per month

  • 80% of online shoppers purchase via mobile devices

Payment preferences 

  • A2A transfers represent 40% of e-commerce volume and are projected to continue growing

  • Digital wallets represent 25% of payment volume and are projected to continue growing

  • Credit cards represent 19% of e-commerce transactions but reach only a small share of consumers due to ~12% card penetration

  • Over 75% of Thailand’s e-commerce value is projected to run on digital rails (A2A + wallets) by 2030

Sources: PCMI, 2025; Statista, 2025; World Data Lab, 2026; World Bank Global Findex, 2025

EBANX Payment Coverage in Thailand

Payment Methods
Installmentswhen a payment is made at intervals
Recurring
International Settlement
Domestic Settlement
PromptPay
Installments

No

when a payment is made at intervals
Recurring

No

International Settlement

Yes

Domestic Settlement

No

No
No
Yes
No
Mobile Banking
Installments

No

when a payment is made at intervals
Recurring

No

International Settlement

Yes

Domestic Settlement

No

No
No
Yes
No
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ready to unlock opportunities in southeast asia?

Southeast Asia’s digital markets are expanding fast, but success depends on connecting to the payment methods consumers actually use. With EBANX, you can launch faster across the region and rely on truly local payment expertise to reach your goals.

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