That moment before checkout should feel effortless—but instead, it’s often interrupted by passwords, OTPs, and repeated verification, even for everyday purchases.
Coins.ph is changing that with Link & Pay, a tokenized payment feature that lets users skip the friction and pay in just a tap—fast, secure, and seamless.
Tokenization works by replacing sensitive account details with a secure, unique “token.” Instead of sharing login credentials with merchants, users authorize a token that verifies a specific transaction. Once an account is linked, future purchases no longer require repeated logins or password entries, allowing for a smoother checkout experience.
A key benefit of this new feature is convenience. After a one-time setup, you can complete transactions in a single tap—whether purchasing digital goods, paying subscriptions, or settling everyday expenses.
Security is also reinforced, as merchants never store sensitive financial data. Even in the event of a system breach, tokens remain unusable to hackers.
To maintain safeguards, Coins.ph has implemented limits on password-free transactions. These include a cap of P1,000 per transaction, P5,000 in total daily spending, and a maximum of five successful transactions per day. Payments exceeding these thresholds will require manual confirmation.
How to link your account
- Link your account. On the merchant’s checkout page, select “Link Coins Account.”
- Verify once. You’ll be redirected to Coins.ph (if you have the app, it opens automatically!). Review the terms, enter your One-Time Password (OTP), and you’re set.
- Enjoy the speed. From now on, just select Coins.ph at checkout, and the transaction completes instantly.
The feature also benefits merchants by reducing checkout friction and cart abandonment. Link & Pay supports recurring payments and direct debit functionality, allowing businesses to automate collections, improve cash flow predictability, and receive real-time settlements.
Coins.ph says the feature complements its existing WebPay service while offering a faster, more streamlined checkout experience for returning customers.
