Payment Methods

Configure available payment options

Payment Methods

The Payment Methods section allows you to configure which payment options are available to your customers. Enable, disable, and manage settings for each payment method.

Payment Methods

Available Payment Methods

Cards

MethodDescription
VisaVisa credit and debit cards
MastercardMastercard credit and debit
AMEXAmerican Express (if enabled)
JCBJCB cards (if enabled)

E-Wallets

MethodDescription
GCashGlobe's e-wallet
MayaMaya (formerly PayMaya)
GrabPayGrab's payment wallet
ShopeePayShopee's e-wallet

Bank Transfers

MethodDescription
BPI OnlineBank of the Philippine Islands
UnionBankUnionBank online
RCBCRCBC online banking
Direct DebitDirect bank deduction

Buy Now Pay Later

MethodDescription
BillEaseInstallment payments
AtomePay in 3 installments

Over-the-Counter

MethodDescription
7-ElevenPay at 7-Eleven stores
CebuanaPay at Cebuana branches
M LhuillierPay at M Lhuillier

Managing Payment Methods

Enabling a Method

  1. Find the payment method
  2. Toggle the switch to On
  3. Complete any required setup
  4. Method is now available

Disabling a Method

  1. Find the payment method
  2. Toggle the switch to Off
  3. Confirm (if prompted)
⚠️

Note: Disabling a method stops new payments but doesn't affect pending transactions.

Payment Method Settings

Card Settings

SettingOptions
3D SecureRequired, Optional
Card typesCredit, Debit, Both
InstallmentsEnable/disable
InternationalAccept foreign cards

E-Wallet Settings

SettingOptions
Auto-captureImmediate or manual
ExpirationPayment window time

Bank Transfer Settings

SettingOptions
ExpirationTime to complete transfer
Reference formatAuto or custom

Activation Requirements

Some methods require additional setup:

MethodRequirements
AMEXSeparate application
InstallmentsPartner bank approval
Direct DebitBank integration

Applying for Additional Methods

  1. Click "Apply" next to the method
  2. Complete application form
  3. Submit required documents
  4. Wait for approval

Fees by Payment Method

View fees for each method:

MethodRateFixed Fee
Cards (Local)2.5%₱0
Cards (Intl)3.5%₱0
E-Wallets2.0%₱0
Bank Transfer1.0%₱15
OTC1.5%₱0
💡

Note: Fees may vary. Check your agreement for exact rates.

Per-Channel Settings

Configure methods per payment channel:

Links & Pages

Enable/disable specific methods for Links and Pages.

API

Configure which methods are available via API.

Storefront

Select methods for your online store.

Testing Payment Methods

Test Mode

Test each payment method in test mode:

  1. Switch to Test Mode
  2. Use test credentials
  3. Verify each method works
  4. Switch to Live when ready

Test Cards/Accounts

Use PayMongo's test credentials for each payment method.

Best Practices

PracticeRecommendation
Offer varietyEnable multiple methods
Know your customersEnable preferred methods
Test thoroughlyTest before going live
Monitor performanceCheck success rates
Stay updatedEnable new methods as available

Feel free to reach out to [email protected] if you have questions about payment methods!