A payment kiosk is a self-service machine that allows customers to complete payments and other financial transactions without having to go through a cashier or traditional payment counter.
In the Philippines, payment kiosks provide a convenient way to access everyday financial services, particularly for transactions that involve cash and digital accounts.
A Pay&Go kiosk is a self-service payment kiosk that allows consumers to access services such as bills payment, cash in, cash out, bank transactions, e-load, and other payment services.
What Is a Pay&Go Kiosk?
A Pay&Go kiosk is a self-service terminal designed to make everyday financial transactions more convenient and accessible.
Customers can use the kiosk to complete transactions on their own by selecting a service, entering the required information, and following the instructions displayed on the screen.
Depending on the services available at the location, a Pay&Go kiosk can be used for:
- Pay&Go Cash In
- Pay&Go Cash Out
- Bank withdrawal
- Bank deposit
- Bills payment
- E-load
- Service applications
- Toll load
- Entertainment and subscription payments
The services available may vary depending on the kiosk and participating partners.
How Does a Payment Kiosk Work?
A payment kiosk is designed to make transactions simple and self-service.
A typical transaction involves:
- Select a service – Choose the payment or financial service you need.
- Enter your information – Provide the required account, mobile number, reference number, or other transaction details.
- Review your transaction – Check the information and amount before proceeding.
- Complete the transaction – Follow the instructions on the kiosk to complete your payment, cash-in, cash-out, or other transaction.
- Keep your receipt or confirmation – Save your receipt or transaction confirmation for your records.
The exact process depends on the service and participating partner.
What Is Pay&Go Cash In?
Pay&Go Cash In allows customers to use physical cash to add funds to supported digital accounts and e-wallets.
This is useful for customers who have cash on hand but need to put money into a digital account for online purchases, transfers, payments, or other transactions.
For example, Pay&Go supports cash-in services for participating financial and e-wallet partners. Customers can complete the transaction through a Pay&Go kiosk without having to visit a bank branch.
Pay&Go’s cash-in services are part of its role in connecting physical cash with digital financial services.
What Is Pay&Go Cash Out?
Pay&Go Cash Out allows customers to access cash from supported banks and e-wallets through a Pay&Go kiosk.
The current transaction limits are:
- Minimum cash out: ₱500
- Maximum cash out: ₱3,000
- Availability: Banks and e-wallets with QRPh
Cash Out gives customers another option when they need to convert digital funds into physical cash.
What Other Services Can You Access at a Pay&Go Kiosk?
Pay&Go kiosks provide more than cash in and cash out.
Depending on the kiosk location and available services, customers can also access:
Bills Payment
Pay bills through participating biller partners, including utilities, telecommunications, loans, insurance, and other services.
Bank Transactions
Selected services include bank withdrawal and bank deposit, providing customers with additional ways to access and manage their funds.
E-Load
Purchase electronic load through the kiosk for supported mobile services.
Toll Load
Access toll-related loading services through participating partners.
Service Applications
Customers can access selected service application transactions through participating services.
Entertainment and Subscription Payments
Pay for participating entertainment and subscription services through the kiosk.
Why Use a Self-Service Payment Kiosk?
A self-service payment kiosk gives customers another way to access financial services without relying on a traditional payment counter.
Convenience
Pay&Go kiosks are deployed in locations that people regularly visit, including malls, supermarkets, pharmacies, convenience stores, and other retail establishments.
24/7 Access
Pay&Go is a 24/7 payment kiosk network, giving customers access to self-service transactions around the clock, subject to the operating conditions of the host location.
Self-Service
Customers can complete transactions directly through the kiosk instead of going through a cashier.
Accessibility
Payment kiosks bring financial and payment services closer to consumers by placing them within familiar retail and commercial locations.
Why Do Payment Kiosks Matter in the Philippines?
The way Filipinos manage money continues to evolve. Digital wallets, mobile banking, QR payments, and other digital financial services have made it easier to transact without physical cash.
At the same time, cash remains an important part of everyday financial activity.
This creates a need for infrastructure that connects the physical and digital sides of the financial ecosystem.
Someone may have money in cash but need to put it into an e-wallet. Another person may have funds in a digital account but need physical cash. Others may simply prefer using cash to pay their bills.
Payment kiosks provide another channel for these different needs.
Financial inclusion is not only about making services digital. It is also about making those services accessible through channels that work for different people and different situations.
Pay&Go: Connecting Physical and Digital Financial Services
Pay&Go is part of a growing network of financial and payment infrastructure in the Philippines.
Since establishing operations in the Philippines in 2015, BTI Payments has built the Pay&Go network to make financial services more accessible through convenient self-service locations.
Today, the Pay&Go network has more than 4,000 service points and has served more than 18 million unique users since 2019.
Pay&Go processes more than 5 million transactions per month for FY2026, with transaction volume growing by more than 50% year-on-year over the past three years.
The network is present across key retail locations, including malls, supermarkets, pharmacies, convenience stores, and other establishments.
Are Payment Kiosks Safe to Use?
Customers should always take the same precautions they would with any financial transaction.
When using a Pay&Go kiosk:
- Check your transaction details carefully before confirming.
- Make sure the account, mobile number, or reference number is correct.
- Keep your transaction receipt or confirmation.
- Never share your PIN, password, or one-time password with another person.
- Use official Pay&Go customer support channels for transaction concerns.
- Be cautious of individuals or online pages pretending to represent Pay&Go.
For transaction concerns, customers can visit payandgo.help for assistance.
The Role of Payment Kiosks in the Future of Financial Services
Digital financial services will continue to grow in the Philippines, but digital and physical channels do not have to compete with each other.
A strong financial ecosystem gives consumers choices.
Payment kiosks provide a physical connection to digital financial services, allowing customers to move between cash and digital transactions based on what they need.
Through its growing network of Pay&Go kiosks, Pay&Go aims to make financial services more accessible, convenient, and available to more Filipinos.
The future of financial access is not purely digital or purely physical. It is about creating more ways for people to access the services they need, where and when they need them.
Frequently Asked Questions
What is a payment kiosk?
A payment kiosk is a self-service machine that allows customers to complete payments and other financial transactions without assistance from a cashier.
What is a Pay&Go kiosk?
A Pay&Go kiosk is a 24-hour self-service payment kiosk that provides access to services such as bills payment, cash in, cash out, bank transactions, e-load, toll load, and other participating services.
What is Pay&Go Cash In?
Pay&Go Cash In allows customers to use physical cash to add funds to supported digital accounts and e-wallets through a Pay&Go kiosk.
What is Pay&Go Cash Out?
Pay&Go Cash Out allows customers to withdraw cash from supported banks and e-wallets through participating Pay&Go kiosks.
Where is Pay&Go Cash Out available?
As of June 18, 2026, Pay&Go Cash Out is available at select Alfamart, Ayala Malls, Shell, and Lawson locations. It supports banks and e-wallets with QRPh.
What is the minimum and maximum Pay&Go Cash Out amount?
The current minimum cash-out amount is ₱500, while the maximum is ₱3,000 per transaction.
Are Pay&Go kiosks available 24/7?
Yes. Pay&Go is a 24-hour self-service payment kiosk network. Actual access may depend on the operating conditions of the establishment where the kiosk is located.
Where can I find a Pay&Go kiosk?
Pay&Go kiosks are available at participating malls, supermarkets, pharmacies, convenience stores, and other retail locations across the Philippines.
About Pay&Go
Pay&Go is one of the Philippines’ leading self-service payment kiosks with over 4,000 payment kiosks offering services such as cash-in, cash-out, bank withdrawals, bank deposits, bills payment, e-load, and more.
Available in partner stores Alfa Mart, Robinsons Group, Uncle John’s, Lawson, Shell Select, Cecile’s Pharmacy, Landers, Ever, Ayala Malls, and more.
Learn more about Pay&Go here.
