Grow your business with us.
We’ll help you connect with more customers.
Accept card payments anywhere, without borders.
Through PayMaya Checkout, your business can accept credit, debit, and prepaid payments, through a simple integration with our payment solution.
Accepts and
Reach out to more customers by accepting payments on your website with
Easy Integration to your website or app
  • No need for an expert programmer or payment aggregator for your website or mobile app's card checkout facility. We'll provide you all the requirements to accept Visa and Mastercard payments, through our flexible integration options.
Secure Transacations
  • We'll handle your security and compliance needs, through our global standards: PCI-DSS Certified, 3-D Secure: MasterCard 3D SecureCode/Verified by Visa.
Optimized for mobile
  • Mobile Optimized, Responsive. Adjusts automatically and responsive to the mobile device screen size.
Simple pricing, fast settlements
  • No monthly fees. Only pay for every transaction you make. Receive your funds the next banking day.
  • Your business will have access to a dashboard, including a summary of all sales, and graphs showing your transaction reports.
How to Integrate
There are 3 easy steps to integrate PayMaya Checkout to your web or mobile application: integration to sandbox environment, testing, and production.
Integration to the Checkout API sandbox environment
Integration involves programming your application to communicate with the Checkout API, displaying the checkout URL (if not PCI-DSS compliant), and handling payment results. The Checkout API specifications are available here.
Test your integration by creating transactions using test credit card numbers. MasterCard and VISA test credit card numbers are available in this document.
Promotion to Production
Once you have fully integrated and verified your integration, contact us to request access to the Checkout API production environment. Upon verification, you will be given your production API keys. Change your application's PayMaya Checkout API key configuration from sandbox to production to start accepting live payments.
Create your Account
Upgrade your business by signing up with us. Our merchant specialists will be guide you with your application.
Fill out the Merchant Registration Form.
Our Merchant Specialist will call to assist you.
Submit the requirements and get your PayMaya Checkout keys.
Sole Proprietor+
Partnership / Corporation Government Agency / Non-Government Organization+
Frequenty Asked Questions
  • Who is PayMaya and PayMaya Business?
    PayMaya Philippines, part of the Voyager Group, is the digital financial services unit of PLDT and Smart Communications, Inc. (Smart). Among its innovations are Smart Money, the pioneering mobile money service linked to the Smart SIM and mobile phone and Smart Padala, the leading domestic remittance service brand in the market.
    PayMaya, its mobile app that comes with a prepaid card, is now the leading over-the-top digital payments app in the Philippines. PayMaya Business is a suite of digital payments solutions offered by PayMaya Philippines, which allows businesses to accept payments from all cards anytime, anywhere.
  • What is PayMaya Checkout?
    With PayMaya Checkout, your business will be able to accept card payments online, through a simple integration with our payment solution. We provide a suite of APIs that allows you to easily integrate with our payment platform, providing your customers a secure and hassle-free checkout experience.
  • Who can use PayMaya Checkout?
    All kinds of organizations use PayMaya Checkout to accept payments in mobile apps and websites. From Government-registered enterprises to SMEs who have websites, and products that can be sold online, to maximize the use of PayMaya Checkout. However, due to legal and regulatory compliance reasons, we are unable to work with some business types. More information on the restricted types is available in our Terms and Conditions.
  • What types payments can I accept with PayMaya Checkout?
    Merchants in the Philippines can use PayMaya Checkout to accept MasterCard, Visa and JCB, credit, prepaid and debit cards.
  • How soon will I get my money after the transaction is processed?
    Transactions are usually deposited into your settlement/nominated bank account in 1 business day.
  • Can PayMaya Checkout help protect against fraud?
    Yes. PayMaya Checkout includes fraud protection and mitigation tools for merchants of every size.
  • Can I accept EMV (i.e. chip and pin) cards?
    Yes, EMV cards can be used online just like normal credit cards.
  • Do you support 3-D Secure?
    Yes, PayMaya Checkout supports 3D Secure.
  • What currencies can I accept?
    Merchants can accept payments in the following currencies: AED, AUD, BHD, BND, CAD, CHF CNY, DKK, EUR, GBP, HKD, IDR, JPY, KRW, KWD, LKR, MOP, MYR, NZD, PGK, QAR, SAR, SEK, SGD, THB, TRY, TWD, and USD.
  • Do I have worry about PCI-DSS compliance?
    The Payment Card Industry Data Security Standards (PCI-DSS) applies to any business that stores, processes, or transmits payment cardholder data (credit card number, expiry date, and security code). Since PayMaya Business manages and secures your customer's payment cardholder data, your PCI-DSS scope has been drastically reduced. It does not, however, exempt you from complying to the PCI-DSS Self-Assessment Questionnaires (SAQs) requirements. These SAQs are validation tools that will assist in self-evaluation of PCI-DSS compliance. There are different types of SAQs, e.g. A, A-EP, C, etc. The most appropriate type in your case would be SAQ A defined by PCI-DSS as: "Card-not-present merchants (e-commerce or mail/telephone-order), that have fully outsourced all cardholder data functions to PCI DSS compliant third-party service providers, with no electronic storage, processing, or transmission of any cardholder data on the merchant’s systems or premises. Not applicable to face-to-face channels."
    For more information, please see here.
  • What currencies can I settle in?
    Domestic Philippine transactions are settled in PHP. Other currencies are settled in USD.
  • How can I get started?
    On the business side, we would gather your government-issued documents to create your account for PayMaya Business.
    On the development end, we need to integrate first to the Checkout API sandbox environment. Once you have fully integrated and verified your integration, contact us to request access to the Checkout API production environment.
    To start integrating to the Checkout API sandbox environment, go to the Checkout API doc - It has an API console that is preconfigured with a sandbox API key. You can request for the Checkout page from the API console.