Breaking the debt cycle from predatory lenders: Cebuana entrepreneurs rely on GLoan Negosyo to grow their business

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For many Filipino entrepreneurs, the biggest hurdle isn’t the idea, it’s the capital to make it happen. At the Wais Tindera Caravan in Cebu, three women shared how access to financing helped them build businesses and support their families.

Through GCash, the Philippines’ leading finance superapp and largest cashless ecosystem, and its lending solutions from Fuse Financing Inc., these entrepreneurs are gaining access to credit that fits how they earn and spend.

A nail salon breaking free from high-pressure informal lending

Dyan, 35, does nails for a living in Barangay Suba, Cebu City, often traveling to clients for home service calls. Supplies run out fast in this business, and before GLoan Negosyo, keeping up meant borrowing from informal lenders who expected payment every single day. For someone whose income depends on how many clients she sees, that pressure never lets up.

GLoan Negosyo changed the rhythm. She now restocks on her own terms, without the daily scramble to repay.

"Dati araw-araw ako nagbabayad sa mga pinagkakautangan ko, kaya mas maganda 'yong GLoan kasi makakaipon ka pa bago magbayad. ‘Yong inutang ko, pambayad ko ng mga gamit ko sa paglilinis ng nails ng mga customer. Wala akong masasabi sa GLoan, nakakatulong talaga siya, lalo na kapag wala kang pera at gusto mong gamitin pang-negosyo, low interest pa siya," Dyan said. (Before, I paid daily on my debts, so GLoan is better because I can save up first before paying. What I borrowed went to my nail supplies for my customers. GLoan helps a lot, especially when you have no money and need capital for your business, and the interest is low too.)

GCash is with Dyan everywhere her work takes her. Clients pay her on the spot using GCash, cash-in and cash-out transactions and prepaid load sales also bring in a little extra on the side. And through GSave, Dyan is quietly building an emergency fund, money she can't accidentally spend the way she might with cash in her pocket.

Building a sari-sari store from the ground up

In 2024, Jill, 28, and her partner opened a sari-sari store with nothing but GLoan Negosyo to support them. A ₱15,000 loan gave them the starting capital they needed to open their business. Since then, Jill has relied on GLoan five more times to restock whenever her sales slow down, turning a quick fix into a steady and reliable system for keeping her shelves full.

"Ginamit ko ang GLoan para lumago ang negosyo, pinambili ko ng mga paninda ko po tulad ng mga sabon, shampoo, at canned goods. Masaya po ako dahil maliit lang ang interest, hindi mabigat sa bulsa dahil hindi siya araw-araw binabayaran, talagang makakaipon ka para makapagbayad buwan-buwan. Nakatulong po talaga dahil kung wala akong puhunan, ito 'yong nagagamit ko," Jill said. (I used GLoan to grow my business, buying stock like soap, shampoo, and canned goods. I'm happy because the interest is small and easy on the pocket since I don't pay daily, I can really save up to pay monthly. It really helped, because when I have no capital, this is what I use.)

Jill's store also takes GCash payments, a small edge over the cash-only stores nearby. The monthly repayment schedule also offers much-needed breathing room compared to the daily pressure of informal lenders, allowing her business to stay steady even during slow periods.

A small side hustle funding a big dream

Carmen, 42, runs a small fish vending business in Barangay Suba—the kind of daily work that keeps a household going. To grow her business, she buys fish by the banyera (tub) and resells them to fellow vendors and fisherfolk, making sure no day goes to waste.

When additional capital was needed to keep her fish trade moving, GCash provided the crucial push. Introduced to the app by her cousin, Carmen turned to GLoan to supplement her existing capital, allowing her to purchase more inventory and keep her business afloat without the slow, restrictive processes of traditional financial institutions.

"Ibig sabihin, idinagdag ko lang hanggang sa lumaki. Extra na pera para maikot 'yung tinda. Nakatulong din sa iba at sa mga bata. Dahil may negosyo ka na, nakakatulong ka pa kaysa naman ma-standby ka lang," Carmen said. (I added the loan to my capital so it could grow—extra money to keep the trade moving. It also helped others and the kids. Because you have a business, you get to help out instead of just staying idle.)

Carmen isn't stopping there. She plans to maintain a good credit standing, explore GCash’s savings features, and use digital bill payments to make running her business and managing her household even easier.

Three stories, one lesson

Dyan, Jill, and Carmen didn't just get a loan; they got a chance to build something, and the confidence to keep growing. Financing gave them room to start a business, restock a shelf, expand an idea, or simply get through a hard month without losing ground.

Their stories point to something bigger happening across the Philippines, especially as more Filipinos turn a small business into their main livelihood with the help of accessible financing. GCash and Fuse Financing want to be part of that story even more, so more entrepreneurs can grow and seize new opportunities to build the future they dream for their families.

To know more about GCash and its lending solutions, please visit www.gcash.com.

GCash wins Philippine Quill Awards for sustainability and digital safety campaigns

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Driven by its commitment to inclusion, innovation, and social impact, GCash took home two Merit awards and one Excellence distinction at the prestigious 2026 Philippine Quill Awards.

The recognitions highlight the company’s tangible impact on Filipinos: from mobilizing 12,000 runners for climate action to reaching over 1.5 million people with engaging scam awareness campaigns on social media.

From left: GCash public affairs and CSR manager Mabel Niala, VP for corporate communications & public affairs Gilda Maquilan and external affairs manager Jerome Lantin

Turning everyday transactions into real trees

Transforming Everyday Digital Behaviors into Environmental Impact: Through GForest, routine actions like sending money, paying bills, and making transactions allow users to collect energy points to plant virtual trees. In turn, GCash, its partners and local communities plant real trees on the ground, helping restore critical ecosystems while supporting sustainable local livelihoods.

Cutting through scam tactics before they cause harm

GCash was also honored with a Merit Award in the Communication Skills Division (Audio/Visual) for its campaign against SMS spoofing scams. Faced with rising threats from International Mobile Subscriber Identity (IMSI) catcher technology, the company turned a complex fraud tactic into a simple, memorable rule: “Basta may link, ‘wag mong i‑click! "Animated, bite‑sized videos made scam awareness instinctive, reaching more than 1.5 million users organically and driving a 22.6% engagement rate—over four times the industry benchmark.

A digital ecomovement brought to life by 12,000 runners and 128,000 trees

“Driving Collective Climate Action Through GForest and EcoRun.” was awarded the Excellence in Communication Management (CSR). This initiative bridged digital engagement with real-world impact. The initiative mobilized 12,000 race participants to fund mangrove restoration and plant 76,000 trees and mangroves nationwide. Supported by corporate sponsorships that contributed an additional 52,000 trees, the project reached a total of 128,000 trees, demonstrating how digital mobilization can scale into tangible environmental outcomes alongside NGOs, universities, and merchant partners.

The real measure of impact

Taken together, these campaigns show how communication can move beyond awareness to inspire measurable change.

“For us, these recognitions are not just about winning awards—they are about proving that communication can drive real, positive change in people’s lives,” said GCash vice president for corporate sustainability and communication Michelle Fernandez. “Whether it’s protecting families from scams or mobilizing communities for climate action, we see every campaign as part of a larger responsibility to make digital innovation meaningful for Filipinos.”

These recognitions reflect the role of communications in shaping everyday behavior, from encouraging safer choices and greater awareness of risks to promoting more responsible practices that benefit both people and the environment.

For more information, please visit www.gcash.com.

GCash lending arm Fuse marks 10 years of safe, accessible borrowing for Filipinos

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As predatory lending persists in the Philippines, Fuse Financing, Inc., the lending arm of GCash, continues to provide Filipinos with safe, transparent, and accessible borrowing options with fair terms

Barriers to formal credit, including a lack of valid IDs, formal documentation, and collateral, continue to restrict millions of Filipinos from securing fair and vital financial support. According to the Bangko Sentral ng Pilipinas (BSP), traditional financial institutions rely heavily on these requirements to evaluate creditworthiness, leaving only 16% of Filipino adults able to secure formal loans from banks and other regulated lenders. Rising financial pressure drives vulnerable Filipinos toward informal, predatory lenders to make ends meet, trapping them in cycles of extreme interest rates and abusive collection practices. Addressing these remains critical to driving broader financial inclusion across the country.

Celebrating a decade of helping Filipinos build financial security, Fuse Financing has transformed the country's lending landscape by giving millions of underserved borrowers access to dignified lending. By leveraging technology and innovation, Fuse continues to bridge the credit gap through accessible loan products such as GLoan, GCredit, and GGives that offer transparent and fair terms, without the need for collateral.

Over the past 10 years, Fuse has helped everyday Filipinos to navigate emergencies and fuel personal growth.

Supplementing daily budget

Personal loans are the most common lifeline for Filipino borrowers, who turn to them mainly to manage everyday living costs, medical expenses, and schooling fees, according to the BSP.. Such is the case for 54-year-old Marissa of Tondo, Manila and 48-year-old Irene of Alaminos, Pangasinan.

Marissa, a former house help, is grateful that borrowing money can now be done in a few taps on her phone. "Salamat sa GCash at may GLoan dahil kapag kailangan namin ng dagdag na pera, may mahihiraman kami agad. Malaking tulong ito sa pang-araw-araw, lalo na sa pambili ng pagkain, pambayad ng bills, at iba pang kailangan ng pamilya." she said. (“I’m thankful for GCash because GLoan is a great help to us whenever we need extra money. I’ve also used it before for our everyday needs, such as buying food and paying bills. It’s truly a big help in our lives.”)

The Tondo resident previously obtained a loan amounting to P20,000 via GLoan, the flagship cash loan product of Fuse, which helped her in paying for medications and dialysis treatment. She also secured credit to buy groceries and settle monthly dues.

For Irene, a barangay health worker, GLoan and GGives enable her to pay for her child's tuition and pay bills on time, as well as cover their family's grocery expenses.

"Mas pinipili ko po ang manghiram sa GCash kaysa sa tradisyonal na lending dahil mas mabilis, mas magaan, at mas maayos ang proseso," she said. (I prefer borrowing through GCash rather than traditional lenders because the process is faster, easier, and more convenient.)

GLoan enables eligible users to borrow cash through the GCash app to help pay for expenses such as emergencies, bills, school fees, or business needs. GGives, meanwhile, allows eligible users to buy now and pay in installments, making it easier to afford bigger purchases such as gadgets, appliances, travel, and other everyday needs.

Humane approach to borrowing: zero-tolerance policy against harassment and abusive practices

While online lending has expanded access to credit, regulators warn that dishonest and unregulated operators continue to exploit vulnerable borrowers. Some illegal platforms charge monthly interest rates as high as 40 percent and resort to severe harassment, including contacting borrowers' family and friends to publicly shame them and coerce payments.

Bernadette Romariate, a 25-year-old borrower in Pangasinan, said that GLoan provides the necessary terms and conditions for the benefit of the borrowers.

"Meron kasi yung terms and conditions doon sa [GLoan]. Kung babasahin, may nakalagay doon na due date. So, it's your responsibility kung kailan mo siya babayaran," she explained. (The terms and conditions are clearly stated in GLoan. If you read them, you'll see the due date indicated there. So it's your responsibility to make sure you pay the loan on time.)

For Fuse, it ensures that it adopts a fair, humane, and respectful approach to collections, treating it as a form of customer support rather than punishment.

“We enforce a zero-tolerance policy against harassment and abusive practices, while ensuring that all collection activities comply with Securities and Exchange Commission regulations and ethical standards,” Fuse Financing president and CEO Tony Isidro said.

Through this approach, Fuse aims to help borrowers manage financial difficulties while building trust in the formal lending system.

Borrowing with dignity

All these efforts are in line with the mission of empowering Filipinos to borrow with dignity.

Sheila Gomez of Iloilo City lamented the social stigma often associated with borrowing, particularly the discomfort of having to ask family or friends for financial help. GLoan provided her with a private and dignified way to access credit without relying on others.

And it paid off. She used the funds to support her journey through law school, easing the financial burden and allowing her to focus on her studies. Now a lawyer, Sheila said she continues to use GCash to manage her finances.

"Loans don't have to be a bad thing. When you borrow with a clear purpose — like investing in your education — it can actually be one of the smartest decisions you make," she concluded.

For more information on loan products, visit gcash.com.

GCash makes investing in Arthaland follow-on offering more accessible with GStocks PH

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Filipinos can look forward to easily participating in Arthaland Corporation’s (ALCO) upcoming Series G and H preferred share offering, giving investors an opportunity to invest in the sustainable property developer directly through GStocks PH, offered by broker AB Capital Securities Inc. in the GCash app. The shares are priced at PHP 500 each, with Series G (ALCPG) offering a dividend rate of 7.3260% per annum and Series H (ALCPH) offering 7.8105% per annum, subject to the terms and conditions of the issue. Preferred shares typically pay fixed dividends and give holders priority over common shareholders in receiving dividends. The offer period for ALCO’s share sale will run from September 14 to September 18.

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Through GStocks PH powered by AB Capital Securities Inc., fully-verified GCash users can now seamlessly subscribe to Arthaland Corporation’s (ALCO) Series G and H preferred shares right from their smartphones

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The offering expands retail investors’ access to additional ways to earn potential income, while helping address challenges that have traditionally made stock investing less convenient. In the past, retail investors often needed a separate bank account to begin trading in the stock market and had to coordinate with a physical broker to participate in share issuances, including follow-on offerings.

The fully-digital IPO/FOO subscription feature of GStocks PH, offered by AB Capital Securities Inc., provides retail investors a more seamless and transparent investment experience during share sales like initial public offerings and follow-on offerings. With the built-in subscription meter and real-time allocation of the broker’s tranche, investors can check the availability of broker-allotted shares on GStocks PH and confirm their share allocations at the moment of subscription rather than waiting for the close of the offer period.

Should the broker’s initial tranche be fully taken up and the offering become oversubscribed on GStocks PH, retail investors can still place orders and receive their allocation results after the offer period.

“Financial inclusion is not only about more financial services. It is about creating a simpler, more rewarding experience that keeps Filipinos’ needs in mind. By digitizing financial services and making investing more convenient, we make it easier for Filipinos to participate and take greater control of their financial journeys,” emphasized Winsley Bangit, group head of new businesses at Mynt.

Fully-verified GCash users can strengthen their investment journey by opening the GCash app, going to Invest, and selecting GStocks PH. The platform offers instant onboarding to new users, and free fund transfers to and from the GCash wallet with no bank account needed.

By expanding digital access to securities offerings, GStocks PH continues to help broaden participation in the capital markets and provide Filipinos with more convenient ways to earn and grow their hard earned money.

GCash drives faster international transfers and digital trust at the 2026 Philippine Tech Mission to Australia

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The Philippines–Australia remittance corridor is set to become more seamless as digital financial services improve and cooperation between the two countries strengthens, supporting faster, safer, and easier cross-border payments for Filipinos, overseas workers, and businesses.

(L-R) G-Xchange Inc. president and CEO Ren-ren Reyes, Bangko Sentral ng Pilipinas deputy governor Mamerto Tangonan, and RCBC executive vice president Lito Villanueva

G-Xchange Inc. President and CEO Ren-ren Reyes, during a panel discussion hosted by the Australian Trade and Investment Commission (Austrade) in Australia, highlighted efforts to deepen PH–AU collaboration in digital finance, with a focus on making cross-border transfers near real-time and less complex for users.

As the ecosystem develops, the goal is to enable real-time value transfer that supports smoother participation in global trade and financial activity. This is being supported by future-ready infrastructure and emerging technologies such as blockchain and stablecoins, which can improve speed and cost efficiency as they scale.

Artificial intelligence is also expected to enhance currency conversion, risk assessment, and the delivery of more efficient cross-border financial services.

Closing the infrastructure gap

GCash has been doing its part in making sure that the cross-border infrastructure services the needs of its users here and abroad, including GCash International Transfers, which allows users in the Philippines to directly send money abroad from their e-wallets.

Launched earlier this year, the remittance product is available in 16 countries, including Australia, Canada, China, France, Germany, India, Italy, Japan, Oman, Qatar, Saudi Arabia, Singapore, South Korea, Spain, the United Arab Emirates, and the United States.

Funds are sent in Philippine pesos and received in the recipient’s local currency, eliminating the need for manual conversion and making cross-border transfers faster, more convenient, and more transparent for both parties.

With fees starting at just ₱180, significantly lower than many traditional bank charges, and real-time tracking for both sender and recipient, the service offers a more convenient remittance experience.

It also supports small businesses that source goods and services abroad, providing a faster and simpler way to settle international payments.

Connecting two nations

Organized by the Australian Trade and Investment Commission (Austrade) and the Department of Foreign Affairs and Trade (DFAT), the 2026 Philippine Tech Mission brought together senior leaders from the private sector and government, led by Bangko Sentral ng Pilipinas (BSP) Deputy Governor Mamerto Tangonan.

Strategic conversations were framed by Australia's Southeast Asia Economic Strategy to 2040 and the Philippine Development Plan 2023–2028, with discussions anchored on the shared values of Bayanihan and Mateship to build a more open, efficient, and secure trading and remittance environment between the two countries.

At the center of it all is a large and growing community: over 408,000 Overseas Filipinos and 40,000 international students currently living in Australia, most of whom depend on cross-border financial channels to support families and run businesses back home.

The 2026 Philippine Tech Mission makes one thing clear: when financial leaders align on connected infrastructure, digital safety, and technology, the old architecture of international money transfers gives way to something far more powerful—a borderless financial system that works as a natural, seamless part of every Filipino's life.

For more information, please visit www.gcash.com.

GCash operator Mynt recognized among world’s top fintech leaders

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Mynt, Inc., the parent company of the group behind GCash, has been named among the World’s Top Fintech Companies 2026 by CNBC (Consumer News and Business Channel), a leading global business media outlet, and Statista, a German data platform. Listed under the Payments category, Mynt stands out as the only Philippine fintech company to make it to this prestigious international ranking.

Homegrown fintech leader Mynt, Inc., parent company of GCash, has been named one of the World’s Top Fintech Companies 2026 by CNBC and Statista, making it the sole Philippine firm to join the international list of payment innovators.

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CNBC names Mynt as the sole Philippine company in its 2026 world’s top fintech

companies list

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This recognition underscores Mynt’s position as a homegrown success story, proving that Philippine innovation can stand shoulder-to-shoulder with the world’s best. As the driving force behind GCash, the country’s #1 finance superapp and most preferred payment option, Mynt continues to set a global benchmark for financial inclusion, empowering millions of Filipinos with secure, accessible, and transformative digital financial services.

“We are honored to represent the Philippines on the global fintech stage. This recognition reflects the strength of Filipino innovation and the trust of millions who use GCash every day.” said Mynt, Inc. president and CEO Martha Sazon.

Mynt’s inclusion in CNBC’s list highlights how a Philippine company has achieved global relevance by solving local challenges with world‑class solutions. From enabling everyday payments to opening access to savings, credit, investments,and insurance, Mynt has proven that technology can break barriers and bring financial services to those once excluded. Its success story demonstrates resilience, scale, and impact—qualities that earned it a place among the world’s top fintech leaders.

By being the sole Philippine fintech on CNBC’s list, Mynt becomes a symbol of national pride and stands among the best fintech innovators worldwide—a testament to the country’s growing role in the global fintech landscape. It joins other global fintech giants like Visa, Ant Group (Alipay), PayPal, and Mastercard as well as big names in the region including GoTo and Grab Financial Holdings.

To access the full list of the World’s Top Fintech Companies, visit: https://www.cnbc.com/worlds-top-fintech-companies-2026/. 500 companies were selected via a rating system established by Statista. Companies’ key performance indicators were considered, alongside desk research conducted by Statista and CNBC, with the latter also providing editorial and compliance input.

For more information, visit https://www.gcash.com.

GCash blocked 6700 illegal gambling sites using QRPH

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GCash has blocked over 6,700 fraudulent merchants using "quishing"—a new tactic where scammers use fake QR codes to steal payments

As QRPh continues to transform the way Filipinos pay for everyday purchases, scammers are also evolving their tactics to exploit the country's growing reliance on QR-based transactions. To help keep digital payments safe, GCash has intensified its efforts against fraudulent merchants and fake payment pages, blocking over 6,700 suspicious accounts linked to QRPh-related scams while continuing to educate users on how to identify and avoid emerging threats.

How scammers exploit QRPh payments

Fraud monitoring teams at GCash have flagged a sharp rise in schemes where fake websites mimic legitimate GCash payment pages and use QRPh codes to collect payments. An example of a growing scam is known as “quishing” or QR phishing.

In these schemes, fraudsters exploit QRPh codes to redirect users to malicious payment pages or steal sensitive information, while misusing official branding to appear credible and deceive users into completing unauthorized transactions.

Some cases also involve fraudulent QRPh codes being embedded in posters, emails, receipts, or messages. When scanned, these can redirect users to fake login pages for e-wallets or banks, or even to sites that install harmful software on their devices. This results in users unknowingly sending money to illegitimate accounts, even if the transaction appears familiar or routine.

Protecting QRPh ecosystem through stronger enforcement

As QRPh-related scams continue to evolve, GCash has strengthened its enforcement measures to protect users against quishing and other QRPh-based scams.

Suspicious wallets linked to fraudulent QRPh activity are immediately blocked, preventing scammers from receiving stolen payments through the platform. Fake websites impersonating official GCash payment pages are likewise identified and escalated for takedown, while incident reports are submitted to PH Payments Management Inc. (PPMI) and relevant government authorities to support further investigation and enforcement.

These efforts form part of GCash's broader collaboration with government agencies, including the Cybercrime Investigation and Coordinating Center (CICC) and the Bangko Sentral ng Pilipinas (BSP), to disrupt scam networks, strengthen consumer protection, and preserve trust in the country's digital payments ecosystem.

"Scammers are constantly evolving their tactics alongside digital payments, and we are equally committed to staying ahead of these threats," said Miguel Geronilla, Chief Information Security Officer at GCash. "By proactively blocking suspicious accounts, flagging fraudulent payment pages, and reporting these activities to regulators and law enforcement, we help stop these schemes before they can affect more Filipinos."

Geronilla added, "Protecting users is at the core of our platform. We have zero tolerance for those who exploit digital financial services, and we will continue to strengthen our safeguards while working hand in hand with government and industry partners to keep the country's digital payments ecosystem safe and secure."

Protect yourself from QRPh-related scams

As scams become more sophisticated, GCash urges users to remain vigilant and practice safe digital habits when using QR-based payments:

• Always check the website URL before making payments and ensure it matches official GCash domains

• Verify the merchant name displayed before confirming any transaction

•  Avoid transacting with suspicious or unverified sites

• l Be cautious of QR codes from unknown or untrusted sources\

• l Report suspicious links or payment requests through the GCash Help Center

Users are strongly encouraged to verify merchant names and payment URLs before completing transactions and to immediately stop any transaction that appears suspicious.

Keeping digital payments safe for every Filipino

GCash reaffirms its commitment to protecting users and maintaining the integrity of the country’s digital payments ecosystem. Through proactive detection, continuous monitoring, and strong collaboration with regulators and law enforcement, the platform continues to strengthen its defenses against emerging threats.

GCash users can report suspected scams through the GCash Help Center at help.gcash.com by chatting with Gigi and selecting “I want to report a scam”, or by calling the official GCash hotline at 2882.

Users may also report incidents to the PNP Anti-Cybercrime Group at (02) 8414-1560 / 0998-598-8116 or acg@pnp.gov.ph, and to the Cybercrime Investigation and Coordinating Center (CICC) via hotline 1326, mobile 0991-481-4225, or report@cicc.gov.ph.

By staying vigilant and using trusted platforms, Filipinos can better protect their funds and ensure that every peso counts.

More information is available at www.gcash.com.

Digital public service in action: LTFRB delivers fuel subsidy to public transportation drivers through GCash, enabling more efficient and accessible government assistance

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More efficient delivery of ayuda through digital disbursement, streamlining the process by eliminating long queues and commutes

The Department of Transportation (DOTr) and Land Transportation Franchising and Regulatory Board (LTFRB) have partnered with GCash to enable fuel subsidy disbursements benefiting drivers of public transportation nationwide.

DOTr, LTFRB, and GCash partner to streamline fuel subsidy disbursements for Filipino transport workers nationwide.

Under this program, eligible beneficiaries receive fuel assistance directly via their GCash e-wallets. This streamlined approach ensures aid reaches transport workers with greater speed, security, and transparency than traditional manual methods, while eliminating the need for beneficiaries to travel or wait in long queues.

The initiative was launched in response to rising global fuel prices, driven by ongoing geopolitical developments in the Middle East, which have placed significant financial pressure on PUV drivers and operators who depend on daily income to sustain their livelihoods and operations.

"GCash is committed to working with the government to ensure that digital financial infrastructure advances equitable access to essential services and upholds the dignity of every Filipino. In partnership with the LTFRB, this initiative demonstrates how digital subsidy disbursement can remove structural barriers, such as long queues and manual processes, while strengthening transparency and accountability in delivering government support to Filipinos,” said GCash B2B sales head, Cleo Celeste Santos.

Qualified beneficiaries verified by LTFRB

The LTFRB verified the credentials of public transportation drivers nationwide. The fuel subsidy will be disbursed directly to the fully verified GCash account.

Here’s how to check if you are part of LTFRB’s recipient list:

Step 1: Verify if you are on the list through LTFRB

To confirm if you are on the list of beneficiaries, please call LTFRB at 0956-761-0739 through Viber.

Step 2: If you are included in the LTFRB fuel subsidy beneficiaries, select your payout option.

● Eligible drivers choose their preferred bank or e-wallet to receive their funds.

● For those who selected GCash, LTFRB will disburse the fuel subsidy directly to the verified GCash account.

Step 3: If you do not have a verified GCash account yet, here’s what you need to do:

● Open the GCash app. Tap Profile, then tap Verify Now.

● Select a valid government ID: You may use your Driver’s License or any of the following: LTO Driver’s License, physical, digital or paper version of the National ID (Philsys), HDMF (Pag-Ibig Loyalty Plus), Philippine Postal ID, PRC ID, UMID, SSS ID, Philippine Passport

● Please ensure that your ID is not expired or damaged.

● Scan your government ID. Ensure that the ID you submit is valid (not expired), clear (undamaged), and the ID (not a photocopy, xerox, or just a photo of the ID).

● Take a selfie within the app and provide the required information.

● Wait for the message confirming that you are now fully verified.

Step 4: Wait for the SMS confirmation confirming LTFRB’s fuel subsidy disbursement

● Eligible fuel subsidy recipients will receive SMS confirmation from GCash confirming LTFRB’s aid disbursement

● Check your GCash app if the aid fund has been received.

IMPORTANT REMINDER: GCash will never send a link or ask for your OTP (One-Time Password) to access the fuel subsidy.

This partnership lays the groundwork for a scalable Disbursement Service platform that will support bulk and scheduled payouts, role-based governance approvals, and automated audit reporting, strengthening LTFRB's capacity to administer future subsidy programs more efficiently.

GCash reaffirms its commitment to serve as a platform for public good, ensuring that government assistance reaches the hands that need it most, faster and more reliably than ever before.

Drivers can verify their eligibility for the LTFRB fuel subsidy by checking the official beneficiary list through the LTFRB Official Facebook Page (Land Transportation Franchising and Regulatory Board-LTFRB) or by contacting their regional LTFRB office. Eligible beneficiaries are usually registered PUV drivers and operators with valid franchises and updated LTFRB and LTO records. Drivers may need to present valid IDs and franchise documents, and those not included in the list may request record validation through LTFRB.

For more information, please visit www.gcash.com.

Batangas Transport Cooperative (BATRASCO) drivers receive government fuel subsidy straight to their GCash e-wallets

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With the effects of the fuel crisis rippling across sectors, public transport is among the most severely impacted. Jeepney drivers are bearing the brunt of this volatility as rising costs threaten both their livelihoods and national mobility. The impact is felt far beyond the roads; this means tightening the budget of many Filipino households as well.

The Department of Transportation (DOTr) and Land Transportation Franchising and Regulatory Board (LTFRB) earlier rolled out a fuel subsidy program for public utility vehicle drivers and operators nationwide. The initiative aims to help cushion the impact of the crisis, which also drove up the prices of basic commodities and utilities.

GCash works hand-in-hand with the DOTr, LTFRB, and other relevant government agencies to deliver the financial aid efficiently. The nation-building thrust of GCash enables drivers and operators to receive the subsidy straight to their e-wallets, making the disbursement process seamless and safe. Digitizing the payout eliminates the need to travel or wait in long lines, ensuring that aid reaches them without further delaying their livelihood.

Batangas Transport Cooperative (BATRASCO) president Romeo Macailao welcomes the digital disbursement of their fuel subsidy.

Among the recent recipients are the drivers and operators of Batangas Transport Cooperative (BATRASCO) in Lipa, Batangas. Romeo Macailao, president of the transport group, said that about 70 percent to 80 percent of their members were able to secure their financial aid already via GCash.

"Masaya sila nung natanggap nila iyon kasi napakadali lang, di na nila kailangan pumila ng matagal," the BATRASCO president added. (They were happy when they received it because it was very easy, and they no longer had to wait in long lines.)

Enabling financial inclusion

For Jayson, a 46-year-old jeepney driver from Brgy. Kwatro, Lipa City, the partnership meant more than just receiving aid. It also introduced him to how e-wallets like GCash can help people in their financial journey.

"First time ko pang mag-GCash nung na-receive ko yung ayuda, tinuruan ako nung anak ko paano i-set up," he shared. (It was my first time using GCash when I received the aid, and my child taught me how to set it up.)

 Jayson, 46, opens a GCash account for the first time.

Jayson is now a GCash user, marking his first step into the formal financial system. By opening his first official account through the app, he gains not only access to government aid and social services, but also secure financial tools that were once beyond his reach.

Convenient, seamless transactions

Both Roosevelt, 38, and Lito, 53, jeepney drivers from Bagong Pook, Lipa City, appreciated the convenience of receiving their financial aid through digital disbursements.

They did not have to spend hours in line. With a verified GCash account, the drivers were able to get the subsidy immediately, allowing them to have extra funds for their needs.

"Matagal na akong may GCash kaya natuwa ako nung nalaman kong doon na papasok ang ayuda. Napakabilis ng transaction at di na kailangang pumila pa," Roosevelt said. (I have been using GCash for a long time, so I was glad when I found out that the aid would be credited there. The transaction was very fast, and there was no need to line up anymore.)

"Hindi naman ako nahirapan mag-GCash, tinuruan lang ako ng aking asawa," Lito added. (I didn’t have a hard time using GCash; I was simply taught by my spouse.)

Lito also encouraged other drivers who do not have a GCash account to open one so they can reap the benefits of having access to digital financial services.

Dignified access to financial services

More than just convenience, digital disbursements enable drivers to focus on what matters most for their livelihood: staying on the road.

Loreto, a 42-year-old jeepney driver from Banaybanay, Lipa City, said he usually had to line up for half a day just to receive his subsidy. This meant losing around ₱700 in potential income, which is money he could have used to support his family’s needs.

"Ngayon, isang click na lang, nandoon na ang GCash. Nagagamit mo pa ang yung oras para kumita pa," Loreto said. (Now, it’s just one click, and GCash is there. You can even use the time to earn more.)

Alberto, 51-year-old jeepney driver from Bagong Pook, Lipa City, agreed. “Mas madali makuha yung ayuda ... di ka pa naaabala sa trabaho so mas maraming kikitain. Pag sa GCash, napaka-easy," he said. (It’s easier to receive the aid… and you’re not disrupted from work, so you can earn more. With GCash, it’s very easy.)

GCash continues to champion dignified access to digital financial services for all Filipinos. It shows how support can be delivered in ways that protect both time and livelihood, especially for workers in vulnerable sectors. In addition, this points to the growing role of digital platforms in making essential services more equitable and accessible.

Drivers can verify their eligibility for the LTFRB fuel subsidy by checking the official beneficiary list through the LTFRB Official Facebook Page (Land Transportation Franchising and Regulatory Board-LTFRB) or by contacting their regional LTFRB office.

Eligible beneficiaries are usually registered PUV drivers and operators with valid franchises and updated LTFRB and LTO records. Drivers may need to present valid IDs and franchise documents, and those not included in the list may request record validation through LTFRB.

For more information, visit gcash.com.