Banks of the Philippines - Payout

General information

To perform a payout by using Gate with the Banks of the Philippines payment method:

1. Send a request with all the required parameters and signature to the Monetix URL.
2. Accept the callback with the payout result from the payment platform.

The following picture provides the details of the payout processing flow in the Banks of the Philippines payment method.

Request

This section provides the instructions on how to build the request for payout with the Banks of the Philippines payment method.

Here is an example of the data from a request to initiate a payout with the Banks of the Philippines payment method:

{
    "general": {
        "project_id": 1234,
        "payment_id": "payment_47",
        "signature": "kUi2x9dKHAVNU0FYldJrxh4yo+52Kt8KU+Y19vySO/RLUkDJrOcZzUCwX6R/ekpZhkIQg=="
    },
    "customer": {
        "id": "customer_123",
        "ip_address": "198.51.100.47",
        "email": "johndoe@example.com"
    },
    "account": {
        "number": "123456",
        "bank_id": 487,
        "customer_name": "John Doe"
    },
    "payment": {
        "currency": "PHP",
        "amount": 10000,
        "description": "Payout description"
    }
}

Callback

In the Banks of the Philippines payment method, the payment platform returns the payout result in a callback. For the information about the callback structure, see Callbacks in Gate.

The following is an example of a callback body with the information about a successfully completed payout.

{
    "project_id": 1234,
    "payment": {
        "id": "payment_47",
        "type": "payout",
        "status": "success",
        "date": "2024-12-07T19:08:45+0000",
        "method": "Philippines banks",
        "sum": {
            "amount": 10000,
            "currency": "PHP"
        },
        "description": ""
    },
    "customer": {
        "id": "customer_123"
    },
    "operation": {
        "id": 47,
        "type": "payout",
        "status": "success",
        "date": "2024-12-07T19:08:45+0000",
        "created_date": "2024-12-07T19:08:05+0000",
        "request_id": "1a23456bc7890de",
        "sum_initial": {
            "amount": 10000,
            "currency": "PHP"
        },
        "sum_converted": {
            "amount": 10000,
            "currency": "PHP"
        },
        "code": "0",
        "message": "Success",
        "provider": {
            "id": 12345,
            "payment_id": "123abc123-123",
            "auth_code": ""
        }
    },
    "account": {
        "number": "123456"
    },
    "signature": "U7HQO7ToISZhMPKdM4XrUKQtoYzFvoB3cs9CRd4xeYG2Q=="
}

The following is an example of a callback for a declined payout.

{
    "project_id": 1234,
    "payment": {
        "id": "payment_47",
        "type": "payout",
        "status": "decline",
        "date": "2024-12-07T19:08:45+0000",
        "method": "Philippines banks",
        "sum": {
            "amount": 10000,
            "currency": "PHP"
        },
        "description": ""
    },
    "customer": {
        "id": "customer_123"
    },
    "operation": {
        "id": 47,
        "type": "payout",
        "status": "decline",
        "date": "2024-12-07T19:08:45+0000",
        "created_date": "2024-12-07T19:08:05+0000",
        "request_id": "1a23456bc7890de",
        "sum_initial": {
            "amount": 10000,
            "currency": "PHP"
        },
        "sum_converted": {
            "amount": 10000,
            "currency": "PHP"
        },
        "code": "20000",
        "message": "General decline",
        "provider": {
            "id": 12345,
            "payment_id": "123abc123-123",
            "auth_code": ""
        }
    },
    "account": {
        "number": "123456"
    },
    "signature": "U7HQO7ToISZhMPKdM4XrUKQtoYzFvoB3cs9CRd4xeYG2Q=="
}

Testing

You can test payouts with the Banks of the Philippines payment method by using Gate.

To start performing test payouts, reach out to the Monetix (support@monetix.pro) support team to get the test project ID and a secret key to it and then contact your key account manager at Monetix to set up the test environment for the payouts to be performed with the Banks of the Philippines payment method.

When performing test payouts, keep in mind that:

• for the project ID you have to submit the ID of the test project
• for the ID of your customer's bank you should submit 486 or 487
• for the currency of the payment you should submit PHP
• for the payment ID and customer's data you can submit any random values

Statuses of test payouts

To receive a certain final status when performing test payouts with the Banks of the Philippines payment method, your request has to contain a respective payment amount in it. The table below lists the payout amounts you can send in requests in order to get a certain status of a test payout.

Testing payout by using Gate

To perform a test payout by using Gate:

1. Send a correct test request for payout to the payment platform.
2. Accept a callback containing the data about the result of performing a test payout.

To learn more about performing payouts with the Banks of the Philippines payment method by using Gate, see the Payout by using Gate section.

Related topics

• Synchronous and asynchronous message processing
• Payment types, operations and payments
• Signature generation and verification
• Operation statuses and response codes

• single payout—you specify the currency and amount for a payout available for this method and fill in all the fields required for the selected payment method on the Dashboard pages.
• as a part of a mass payment—all the parameters are specified in a CSV file. Refer to the Payouts by using Gate section for the parameters required by your payment method.

Information about completed payouts is available for viewing in the Payments and Manual Payments sections of Dashboard.

For more information about payout processing by using Dashboard, see Performing payouts.

Supported banks

In the Banks of the Philippines payment method, payments are performed through the banks the payment method supports. For the payout to be performed, your request must contain the ID of the customer's bank in the account.bank_id parameter.

The table below lists the banks available for payout in the Banks of the Philippines payment method.

The table with the list of banks is provided for informational purposes only. It may change without notice. To get the current list of banks the Banks of the Philippines payment method supports, send a request to the payment platform.

Request for the list of available banks

The list of banks may change that's why we recommend that you send the payment platform a request for the list of banks currently available in the Banks of the Philippines payment method. The request format and structure should be the following:

Here is an example of the data from the request for the list of banks available in the Banks of the Philippines payment method.

{
    "general": {
        "project_id": 200,
        "payment_id": "ORDER_155860015",
        "signature": "K6jll2ym+PtOb3ocZtr345st...=="
    },
    "payment": {
        "amount": 10000,
        "currency": "PHP"
    }
}

[
    {
        "minAmount": 100, // Minimum payment amount allowed for the payment (in minor currency units)
        "maxAmount": 1000, // Maximum payment amount allowed for the payment (in minor currency units)
        "limitCurrency": "PHP", // Code of the currency used for the payment limits (minAmount and maxAmount) in the ISO-4217 alpha-3 format
        "id": 123, // Bank ID
        "abbr": "EXB", // Bank shortcut name (for internal use)
        "name": "Example Bank", // General bank name
        "nativeName": "Example Bank", // Native bank name
        "currencies": [ // Array with currencies supported by the bank
            {
                "id": 123, // Currency ID in the payment platform
                "alpha_3_4217": "PHP", // Alphabetic code of the payment currency in the ISO-4217 alpha-3 format
                "number_3_4217": "123", // Numeric code of the payment currency in the ISO-4217 alpha-3 format
                "currency_type": "fiat", // Type of the currency
                "exponent": 2 // Number of decimal places after decimal point
            }
        ]
    }
]

The response to the request for the list of supported banks doesn't have information on whether these banks support performing payouts through the InstaPay or PESONet services. This information can be found in the table below.

Table 4. Banks that support payout performing through InstaPay and PESONet

Bank	InstaPay	PESONet	ID
AL-AMANAH ISLAMIC BANK			67971
ALLBANK			5461
AllBank Inc			68851
ASIA UNITED BANK			65341
AUSTRALIA & NEW ZEALAND BANK			67981
BANANA FINTECH SERVICES CORPORATION			68001
BANGKO KABAYAN			68291
Bangko Mabuhay			5581
BANGKO NUESTRA SENORA DEL PILAR			68451
BANGKOK BANK PUBLIC CO., LTD.			68011
BANK OF AMERICA			68031
Bank of China			68881
Bank of Commecre			1561
BANK OF FLORIDA			68041
BANK OF MAKATI			68391
BANK OF MONTALBAN, INC.			68621
Bayad Center			2601
BAYANIHAN BANK			68581
BDO Unibank, Inc			486
BDO Network Bank Inc			68461
BINAN RURAL BANK, INC.			68821
Binangonan Rural Bank			55741
BPI ExpressOnline/Mobile (Fund Transfer)			487
BPI Direct BanKO, Inc., A Savings Bank			5471
Camalig Bank			55751
Cantilan Bank			68111
CARD Bank			55761
CARD SME BANK INC			68131
CATHAY UNITED BANK CO. LTD			68791
Cebuana Lhuillier Rural Bank			68071
CENTURY SAVINGS BANK			68081
China Banking Corporation			489
Chinabank Savings			1531
CIMB BANK PHILIPPINES INC			68101
Citibank, N.A.			5371
CITY SAVINGS BANK			68831
COOPERATIVE BANK OF QUEZON PROVINCE			68061
COUNTRY BUILDERS BANK,INC.			68121
CTBC Bank			5481
DCPay Philippines Inc.			5491
Deutsche Bank			5381
Development Bank of the Philippines			5391
DM BANK			68161
Dumaugete City Development Bank Inc			68151
Dungganon Bank			5501
East West Banking Corporation			55771
East West Rural Bank			21831
Equicom Savings Bank			5511
FILIDIAN RURAL BANK OF ANTIPOLO			68181
FIRST CONSOLIDATED BANK			68171
GATEWAY RURAL BANK			68221
GM BANK OF LUZON, INC.			68191
GoTyme Bank			68201
GUAGUA RURAL BANK			68211
HK AND SHANGHAI BANKING CORP.			68241
HSBC SAVINGS BANK PHILS			68231
INDUSTRIAL BANK OF KOREA - MANILA			68251
INDUSTRIAL COMMERCIAL BANK OF CHINA			68271
ING Bank N.V.			5591
INNOVATIVE BANK			68281
Isla Bank (A Thrift Bank), Inc.			5601
JPMORGAN CHASE BANK			68091
KEB HANA BANK			68301
LAGUNA PRESTIGE BANKING CORPORATION			68331
LAND BANK OF THE PHILIPPINES			491
LEGAZPI SAVINGS BANK			68311
LOLC BANK PHILIPPINES			68901
LULU FINANCIAL SERVICES PHILS INC			68321
MALARAYAT RURAL BANK			68841
Malayan Bank Savings			68341
Maya Bank (Pesonet)			68431
Maya Bank (Instapay)			68421
Maybank Phils. Inc.			5421
MEGA INTL COMML BANK CO. LTD			68261
MEGA RURAL BANK (LUCENA CITY)			68361
Metrobank			492
METROSOUTH COOPERATIVE BANK			68351
MINDANAO CONSOLIDATED COOPERATIVE			68381
MIZUHO BANK			68371
MONEY MALL RURAL BANK			68401
MUFG BANK, LTD.			68051
MVSM BANK RURAL BANK			68411
Netbank Rural Bank, Inc.			68141
NEW RURAL BANK OF SAN LEONARDO (NUEVA ECIJA)			68441
Own Bank			68471
Pacific Ace Savings Bank			68481
Partner Rural Bank (Cotabato)			5621
Paymaya Philippines Inc.			5541
PAYMONGO PAYMENTS, INC			68911
Philippine Bank of Communications			68891
Philippine Business Bank (A Savings Bank)			5631
PHILIPPINE DIGITAL ASSET EXCHANGE (Instapay)			68491
PHILIPPINE DIGITAL ASSET EXCHANGE (Pesonet)			68861
Philippine National Bank (Pesonet)			68501
PNB E-Banking (Instapay)			493
Philtrust Bank			5431
PORAC RURAL BANK			55781
Producers Savings Bank Corporation			68521
Queen City Development Bank, Inc.			55791
Quezon Capital Rural Bank			5641
Rang-Ay Bank			68531
RBT RURAL BANK			68541
RCBC Online Banking			494
RURAL BANK OF BACOLOD CITY			68591
RURAL BANK OF BAUANG			68601
RURAL BANK OF CAUAYAN INCORPORATED			67991
RURAL BANK OF DIGOS			68611
Rural Bank of Guinobatan, Inc.			55801
RURAL BANK OF LA PAZ			68631
RURAL BANK OF LEBAK (SULTAN KUDARAT)			68561
RURAL BANK OF ROSARIO			68641
RURAL BANK OF SAGAY			68661
RURAL BANK OF SAN MEDJUGORJE			68551
RURAL BANK OF STA. IGNACIA			68651
SeaBank Philippines			66671
Security Bank Online Transfer			496
SHINHAN BANK			68681
Standard Chartered Bank			5441
Starpay Corporation			68701
Sterling Bank			1551
SUMITOMO MITSUI BANKING CORP			68691
Sun Savings Bank			5571
TAYOCASH INC			68711
Tonik Bank			68721
TONIK DIGITAL BANK, INC.			68731
Topjuan Tech Corporation			68741
TRAXION PAY, INC.			68751
UCPB Savings Bank			5651
Unionbank			497
UnionDigital Bank			68781
UNITED COCONUT PLANTERS BANK			498
United Overseas Bank			5451
UNObank			68771
USSC Money Services Inc			55721
Veterans Bank			1521
Wealth Development Bank Corporation			5661
Yuanta Savings Bank			55811
ZAMBALES RURAL BANK			68801