WELCOME TO KardPH

All-in-One Platform
for Smarter Business Growth

Pay, earn and keep every card in one app — and give your business loyalty, billing, accounting and payouts in one place.

Download the app Become a Partner
Instant Business Digitization

Transform your business instantly. Digitize your customer database, rewards, and marketing channels in one seamless platform—no technical skills or waiting periods required.

All-in-One Digital Wallet for Cards

Users can digitize all their physical membership, rewards, and discount cards in one app – no need to carry them or download multiple apps.

Built-in Loyalty & Rewards System

Businesses can easily create and manage customer rewards, points, and promos – all within the KardPH app.

FOR CUSTOMERS

One app for paying, earning and carrying your cards

Pay your favorite merchants and billers, earn KardPoints as you go, and keep your memberships, vouchers and loyalty cards in the KardPH app.

Sample KardPH app home screen: Total Kard Points, Pay Merchant, Bills Hub, Kard Pass, Membership, Vouchers and Rewards, My Cards and Active Billing

Pay merchants

Scan a store's QR or pick the merchant in the app, then pay with your card, e-wallet or QR Ph.

NEW

KardPoints

Earn points when you pay, then redeem them at checkout — on merchant payments, vouchers, memberships, bills and parking.

NEW

My Cards & partner loyalty cards

Keep your cards, e-wallets and loyalty cards together. Activate a partner card with a code from the merchant and check its balance.

Memberships

Join a merchant's membership plan and manage it from the app: cancel, resume or turn auto-renew on and off.

E-vouchers

Buy vouchers for yourself or gift them to another KardPH user. Redeem in store — the merchant confirms with an approval code.

Bills Hub

See and pay statements from your merchants, like your HOA, and pay Bayad Center billers in one place.

COMING SOON

Virtual ID

A digital ID from your school, company or club, right in My Cards — with a live QR they can scan to check it.

Download the app
FOR BUSINESSES

Run loyalty, billing and your books from one dashboard

The KardPH merchant portal and merchant app give your team the tools to keep customers coming back and keep track of every peso.

See business tools

Loyalty & rewards

Points, stamps and freebies that bring customers back.

Memberships & e-vouchers

Sell plans and vouchers; approve redemptions with a code.

Billing statements

Bulk-upload statements; customers pay in Bills Hub.

NEW

Smart Accounting

Record sales and expenses, scan receipts, see your P&L.

NEW

Settlements

See pending and paid payouts, with the breakdown.

Kard Pass for venues

Ticketless parking with cash and lost-ticket handling.

KARD PASS

Ticketless parking today. Bus tickets next.

Kard Pass replaces paper tickets with a digital pass in the KardPH app.

  • Pay parking in the app — no paper ticket to lose.
  • Cash and lost-ticket handling at the exit, by the venue's cashier.
  • An exit window set by the venue, so you know how long you have to leave after paying.
  • COMING SOON Bus ticketing: book a seat and board with a QR.
Explore Kard Pass
HOW IT WORKS

Get started in minutes

Create your KardPH account in four quick steps.

Step One

Step Two

Step Three

Step Four

Create Account

Fill in your basic details including full name, valid email address, and contact number to get started.

User Confirmation

Receive a One-Time Password (OTP) via email to confirm your account and ensure secure access.

Unlock Full Access

Once verified, enjoy the full features of KardPH – manage rewards, memberships, and payments in one place.

Transact Anytime, Anywhere

Use your mobile device to pay your favorite merchants and billers wherever you are – quick, easy, and secure.

FAQ

Frequently Asked Questions

From payments to loyalty, memberships, e-vouchers, billing and payouts — KardPH helps customers and businesses do more in one place.

Sample KardPH app home screen with Payments, KardPoints, Kard Pass and Bills

KardPH is an all-in-one platform for customers and businesses. Customers pay merchants and billers, earn and redeem KardPoints, and keep their cards, memberships and vouchers in one app. Businesses run loyalty, memberships, e-vouchers, billing, accounting and payouts from the KardPH merchant portal and app.

Pay merchants and bills, earn and redeem KardPoints, keep loyalty and partner cards, manage memberships and buy or gift e-vouchers — all in one app.

Yes. KardPH uses secure, encrypted systems, and payments are processed by accredited payment partners.

Card, e-wallet (GCash, Maya) and QR Ph payments, processed securely by our accredited payment partners. You can also put your KardPoints toward a payment.

Yes. Keep your loyalty cards in My Cards, activate a partner card with a code from the merchant, earn KardPoints and redeem rewards in the app.

Yes. Bills Hub shows your merchant statements and Bayad billers in one place, so you can stay on top of due dates. For businesses, Smart Accounting records sales and expenses and shows your P&L.

Kard Pass is KardPH's ticketless pass. Today it handles parking: pay in the app, and the venue's cashier handles cash and lost tickets at the exit. Bus ticketing is coming soon.

Yes. Settlements in the merchant portal and merchant app show your pending and paid payouts, with a breakdown of each.

Coming soon: a digital ID issued by your school, company or club, kept in My Cards with a live QR the issuer can scan to check it.

DOWNLOAD OUR APP

Get the KardPH app

Pay merchants and bills, earn KardPoints and keep every card in one place. Available on Android and iOS.

Get it on Google Play Download on the App Store
Sample KardPH app screens: paying a merchant by card, e-wallet or QR Ph and earning KardPoints

Quick Links

Contact

KardPH User App

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