Built for Philippine businesses.
From single-location SMBs to multi-branch enterprises — Zpay handles acceptance, reconciliation, and settlement so your finance team doesn't have to.
- BSP-aligned
- DPA compliant
- ₱-native
Operations-ready out of the box.
Reconciliation automation
Auto-match payments to invoices, export to CSV, or sync to your ERP.
Multi-branch & multi-collector
Branch hierarchies, collector roles, and per-branch settlement accounts.
Same-day settlement
Eligible merchants settle the same day to PHP bank accounts.
Full channel coverage
Visa, Mastercard, GCash, Maya, QR Ph, and OTC chains in one integration.
Dashboard analytics
Track volume, average ticket, and reconciliation health across branches.
API + dashboard parity
Every dashboard action has a stable, documented API equivalent.
Simple ₱-native pricing.
- Starts at 1.5% + ₱2 per transaction
- No monthly minimum on the Starter plan
- Same-day settlement on Growth and Enterprise
Growth
1.5% + ₱2
- All channels — cards, e-wallets, QR Ph, OTC
- Same-day settlement
- Up to 10 branches
- API + webhooks
Code it, or click it.
Create a payment link with a single API call — or do the same in two clicks from the dashboard.
POST https://api.zpay.ph/v1/payment-links
Authorization: Bearer sk_live_••••
{
"amount": 124500,
"currency": "PHP",
"reference": "INV-2026-0142",
"description": "Lakad Supplies Inc. — June order",
"channels": ["card", "gcash", "maya", "qrph", "otc"],
"expires_at": "2026-06-18T23:59:00+08:00"
}Dashboard · New payment link
- Amount
- ₱ 1,245.00
- Reference
- INV-2026-0142
- Channels
- Card, GCash, Maya, QR Ph, OTC
- Expires
- Jun 18, 11:59 PM
Prefer no code? The dashboard does everything the API does.
Frequently asked questions
How long does onboarding take?
Most SMBs are live in 3–5 business days after submitting KYB. Enterprise onboarding with custom settlement runs 2–3 weeks.What KYB documents do you need?
SEC or DTI registration, BIR Certificate of Registration, mayor’s permit, government-issued ID of authorized signatories, and a bank account proof for settlement.Which banks do you settle to?
We settle via PESONet and InstaPay to all major Philippine banks — BDO, BPI, Metrobank, Landbank, UnionBank, Security Bank, RCBC, and others.What’s the payout schedule?
Default is T+1 (next business day). Same-day payouts are available on the Growth and Enterprise plans for eligible merchants.How do refunds work?
Issue full or partial refunds from the dashboard or API. Refunds are debited from your settlement balance and visible to the payer within 1–7 days depending on the channel.What are your support hours?
Merchant support is available 8am–10pm PHT, 7 days a week. Enterprise plans include 24/7 priority on-call.
Ready to start accepting payments?
Book a 20-minute demo, or send your KYB docs and apply today.