Overview

PayMongo offers two account tiers: Tier 1 (Basic Account) and Tier 2 (Fully Verified Account).

Each tier gives you access to different features, payment methods, and fund transfer capabilities.

Use the table below to understand which tier is right for your business and how to unlock more functionality by upgrading.

Tier Comparison

Feature	Tier 1 (Basic Account)	Tier 2 (Fully Verified Account)
Account Type	Basic PayMongo account with limited features	Fully verified PayMongo account with expanded features
Wallets	Manage and send funds to other PayMongo wallets. Cash in = ₱10k monthlyCash out = ₱50k monthly	Send funds to external banks and e-wallets via InstaPay and PESONet. Cash in = ₱15MCash out = no limit
Payment Methods	Accept payments via QR Ph only	Accept payments via e-wallets (GCash, Maya, and GrabPay), cards (credit/debit), digital online banking, and BNPL (Billease)
Transaction Limits	Standard limits apply	Higher transaction capabilities
Fund Withdrawals	Not available	Available to external banks and e-wallets
Payout Schedule	Weekly	Weekly

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Upgrading to Tier 2 unlocks your Live API Keys and enables payment method activation. Review our Account Creation guide to learn how to upgrade.

Payment Method Availability

Once your account is activated as a Tier 2 merchant, the following payment methods will be available within a few business days. Your documents are sent to our financial partners for onboarding as part of this process.

Payment Method	Processing Timeline
Cards (Visa, Mastercard)	5 business days
GCash	5 business days
GrabPay	5 business days
Maya	5 business days
BPI Online Banking	3 business days
UnionBank Online Banking	3 business days
BDO, Metrobank, Landbank (via Brankas)	3 business days
BillEase (Buy Now, Pay Later)	Available upon request
QR Ph	Automatically enabled upon signup / Tier 1

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Sandbox mode
Use Test Mode in your Dashboard to simulate payments without real charges.
If you don’t see a payment method active after the expected timeline, reach out to [email protected].

Plugin & Integration Compatibility

The availability of payment methods and features may vary based on your chosen platform or plugin:

Supported partners and integrations
PayMongo API, PayMongo Links, Pages, Shopify, WooCommerce, Magento, PrestaShop.

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Advance features
Some advanced features (e.g. Save Card, Subscriptions) are only available on API or selected plugins.