OpenRouter's checkout accepts card payments and crypto — local wallets like GCash aren't accepted directly, which is a common blocker for users in regions where cards are less common than mobile wallets. This isn't specific to one country; it applies wherever card ownership is low.
The common workaround is: use your local wallet (GCash or similar) to buy a small amount of crypto through a local exchange, then top up with that crypto instead of a card. This adds a step but sidesteps the card requirement entirely.
ROZO Checkout accepts BTC Lightning, USDC, USDT and other coins directly against an OpenRouter payment link, landing in roughly 30–90 seconds for a 1% fee — once you hold the crypto, there's no card step at all. ROZO is independent and not affiliated with OpenRouter or Coinbase.