Comparison

BDO Checkout vs Skyro Philippines

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

BDO Checkout

This app facilitates cross-border payments for merchants using QR code technology. It supports various payment methods like GCash, Grab Pay, WeChat Pay, Alipay, and UPI, offering efficient collection and cashier management solutions.

Highlights
  • Cross-border QR code payments
  • Supports GCash, Grab Pay, WeChat Pay, Alipay, UPI
  • Real-time transaction status review
  • Multi-dimensional collection analysis
  • Multiple cashier account management
  • Customizable cashier authority
Features
Read full description

The BDO application is a cross-border collection tool using the QR Code technology. It provides efficient, convenient, one-stop collection and cashier management solutions. [Collection] Support payment collection such as Gcash and Grab Pay. Mainland Chinese can pay to local merchant with Wechat pay, Alipay and UPI (RMB account) and now PHQR. [Bill] Review transaction status. Analyze every day's collection in multi-dimensions. Easy for merchants to review the state of business in real time. [Management] Enable multiple cashier accounts, collections go to a unified account. Different cashier authority can be deployed by business requirements.

About

Skyro Philippines

This app offers flexible and transparent financing solutions in the Philippines. It provides options for installment purchases, online cash loans, and a reusable credit line, all designed for ease of use and quick approval. Users can manage payments, adjust due dates, and receive support through the app.

Highlights
  • Flexible installment purchases with partner stores
  • Online cash loans for various expenses
  • Reusable credit line for easy shopping
  • Apply and get approved in minutes
  • Transparent terms with no hidden fees
  • Adjust due dates and payment amounts
  • Multiple payment options and in-app wallet
Features
Read full description

Skyro is here to make loans work for you — the trusted loan app in the Philippines for flexible, simple, and transparent financing. We're one of the fastest-growing financial technology companies in the Philippines, fully registered and regulated by the SEC. We’re also a key founding member of the Consumer Lending Association of the Philippines (CLAP). Since 2022, nakatulong na kami sa mahigit 1 million Pinoys — from everyday bills, dagdag kapital para sa negosyo to big household needs and even seasonal gastos — access flexible loans and financial products that keep things simple, so you can focus on what really matters. All Skyro loan products are issued only to Filipino citizens residing in the Philippines. Shop with Skyro, split your payments SkyroSplit lets you shop for big‑ticket items and pay in easy monthly installments — hindi na kailangan ng credit card! • Shop for appliances, gadgets, furniture, and more, at thousands of partner stores • Flexible loan terms of up to 24 months • 0% interest and ₱0 down on select deals • In‑store or online, you’re in control of your budget • Apply in minutes • Get approved in seconds • Transparent terms — walang hidden fees • Get pre‑approved before you shop — less drama, more confidence Here’s an example of how your monthly installment is calculated: Interest Rate Minimum: 0% per month (for POS offers, depending on eligibility), 0% p.a. | Maximum 6.9% per month, 83% p.a., processing fee Minimum 10% + ₱690, Maximum 16.6% of loan proceeds) Simple loan calculation: POS Loan Amount: ₱11,690 POS Loan Term: 12 months Interest rate: 0% Monthly Installment: ₱974 Total POS Loan Cost: ₱11,690 Need extra funds? Try SkyroCash An online cash loan that gives you money straight to your account — for bills, school fees, negosyo needs, or any important expense. Pay anywhere with SkyroCredit. A reusable credit line na pwede mo gamitin, bayaran at gamitin ulit anytime — flexible and easy to shop at any store with QR Ph by simply scanning to pay and settling later. The Skyro app was made for you • Madali gamitin, friendly kahit first time sa loan app • Regular reminders so you won’t miss due dates • More than 20 ways to pay for your loan: via SkyroPondo, e-wallets, online banking, over the counter, or via QR Ph - SkyroPondo is your account inside the Skyro app. Pwede mag-cash in anytime to pay your Skyro loans or SkyroCredit bill, o ipunin para sa future payments, all in one place • Adjust anytime with Flexi — move due dates or change your monthly payment sa Skyro app mismo • Need help? Chat with real people at may sasagot in less than 15 minutes via the app chat • Pay on time para ma-unlock loan offers with better terms • Enjoy rewards like cashback para sa good payers Sa Skyro, ikaw ang boss! Download na ng loan app and start shopping with Skyro! Skyro Lending, Inc. is certified by the Securities and Exchange Commission. Registration No.: CS202002223. Lending company license No.: 3249. Address: 3006 30F, One Corporate Center, Meralco Avenue corner Julia Vargas Avenue, San Antonio, Pasig City, 1605 Metro Manila Skyro Lending, Inc. is an affiliate company operating under the same brand name, SKYRO For more information, contact us via: Skyro app chat care@skyro.ph +632 8540 3344 +63 919 170 0700

Screenshots

BDO Checkout4 screens
Skyro Philippines4 screens

Verdict

The call

The clearest difference is update cadence: Skyro Philippines at every 8 days against BDO Checkout's every 14 months. Skyro Philippines also leads on ratings volume (121 vs 1). BDO Checkout's advantage is device support (3 vs 1) and iOS requirement (12.0 vs 16.0). On price, rating, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

BDO Checkout holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Skyro Philippines has 121 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

BDO Checkout ships an update every 14 months, Skyro Philippines every 8 days. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 6 level
BDO Checkout versus Skyro Philippines: the parameters behind the verdict, then further details
ParameterBDO CheckoutSkyro Philippines
PriceFreeFree
Rating5.0 (1 ratings) — better4.8 (121 ratings)
Positive reviews—100.0% of reviews
Number of ratings1121 — better
Update frequencyEvery 14 monthsEvery 8 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS12.0 — better16.0
Further details — not scored
Size26 MB343 MB
Age rating4+4+
DeveloperBDO Unibank, Inc.Breeze Ventures Pte. Ltd.

Customer experience

BDO Checkout

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Skyro Philippines

All ratings121 ratings
Positive96.7%
Neutral0.8%
Negative2.5%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

BDO Checkout

No in-app purchases

None

Skyro Philippines

No in-app purchases

Questions

Is BDO Checkout free?
BDO Checkout is free to download, with no in-app purchases.
Is Skyro Philippines free?
Skyro Philippines is free to download, with no in-app purchases.
Which has better reviews, BDO Checkout or Skyro Philippines?
BDO Checkout is rated higher. BDO Checkout averages 5.0 out of 5 from 1 ratings, while Skyro Philippines averages 4.8 from 121 ratings.
Do BDO Checkout or Skyro Philippines have ads?
Neither BDO Checkout nor Skyro Philippines shows ads.
Which is updated more often, BDO Checkout or Skyro Philippines?
BDO Checkout ships an update every 14 months, and Skyro Philippines every 8 days. Most recently, BDO Checkout was updated on October 23, 2026 and Skyro Philippines on October 24, 2026.

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