InstaPay is the Philippine digital payments system that provides real-time, low-value electronic fund transfers (EFT) between customers of all participating banks and e-money issuers, 24/7.

InstaPay is the premier rail for urgent payments, allowing users to transfer funds up to Php50,000 per transaction, with the recipient receiving the money almost instantly. This service is universally accessible through mobile apps and online banking platforms, eliminating the need for physical cash or banking hours.