Use Cases

The PayMongo API is flexible enough to power most payment scenarios. Use this page to find the pattern closest to what you're building — each one maps to a specific API product and integration guide.

E-commerce and Online Stores

Scenario: A customer picks a product, adds it to their cart, and pays at checkout.

What you need:

Accept card payments and e-wallets (GCash, Maya, etc.)
Show a branded checkout experience
Handle payment success and failure states

PayMongo fit: Payment API or Checkouts Session for wallet support

SaaS and Subscription Billing

Scenario: You charge customers on a recurring basis — monthly plans, annual subscriptions, or usage-based billing.

What you need:

Store customer payment methods securely
Trigger charges programmatically
Handle failed payments and retries

PayMongo fit: Subscription API for card vaulting + Payment Intents for off-session charging

Marketplaces and Platforms

Scenario: You run a platform where multiple merchants sell or provide services, and you need to route payments to them.

What you need:

Accept payments on behalf of other businesses
Split funds between your platform and the merchant
Handle refunds and disputes per merchant

PayMongo fit: Platforms with Payment Intents

Disbursements

Scenario: You need to send money to users, partners, drivers, or merchants — not collect it.

What you need:

Send funds to bank accounts or e-wallets
Trigger payouts programmatically
Track payout status

PayMongo fit: TBA

In-Person Payments with QR PH

Scenario: You have a physical or semi-digital setup and want customers to scan and pay on the spot.

What you need:

Generate a QR code per transaction
Accept payment from any InstaPay-connected bank or wallet
Confirm payment in real time

PayMongo fit: QR PH via API

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Not sure which API to use? Start with Authentication — API Keys to get set up, then explore the relevant product guides linked above.