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BPI (Bank of the Philippine Islands)

Country: Philippines (PH)  |  Payment Rail: bank_network

OnlineBanking Market Adoption: 30%

BPI is one of the oldest and largest universal banks in the Philippines, providing direct online bank transfers and high-value B2B settlement.

🔄 User Payment Flow

  1. Customer selects BPI Online at merchant checkout
  2. Checkout redirects customer to BPI Online banking portal
  3. Customer logs in with BPI username and password
  4. Customer authorizes transaction using BPI mobile app key or OTP
  5. BPI debits bank account and redirects customer back to merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls payment creation API for BPI online session
  • PSP issues bank gateway redirect URL
  • PSP receives BPI clearing notification and confirms order