HitPay merchants in the Philippines can accept customer payments via cards, GCash, QR PH, ShopeePay, SPayLater, GrabPay, BillEase, PESONet, UnionBank Online, and over-the-counter channels like Bayad, ECPay, and Palawan Express. The same checkout also supports regional and international wallets for cross-border customers, including PayNow, QRIS, DuitNow, Touch 'n Go, WeChat Pay, PromptPay, TrueMoney, VietQR, ZaloPay, KakaoPay, PayCo, LINE Pay, and UPI. This checkout method list is separate from the persistent Virtual Account, which receives inbound InstaPay or PESONet bank and e-wallet transfers rather than card or wallet checkout payments.

Any bank or e-wallet connected to the InstaPay or PESONet interbank networks can send to a HitPay Virtual Account, including GCash, Maya, BPI, BDO, UnionBank, and the wider Philippine banking network. Senders do not need a HitPay account of their own - they only need the business's account number, which functions like a normal Philippine bank account number for receiving transfers.

Transfers sent via InstaPay or PESONet to a HitPay Philippine Virtual Account settle instantly and are reflected in the business's HitPay dashboard as soon as the sending bank or e-wallet confirms the transfer. This applies equally to transfers into the business's persistent collection account and to one-time QR payments generated for a specific order or invoice.

HitPay charges a flat PHP 15 fee per inbound collection to the Philippine Virtual Account, whether the transfer is a top-up to the business's persistent account or a customer payment against a specific order. There are no monthly account fees and no setup fees. The fee is the same regardless of which bank or e-wallet the sender uses.

Yes. HitPay's Philippine Virtual Account has a minimum transfer amount of PHP 20. This minimum is not enforced by HitPay itself, and applies consistently regardless of which sending bank or e-wallet is used.

No. HitPay's persistent Philippine Virtual Account is a permanent account number that stays the same and can receive unlimited transfers over time - used for supplier repayments, distributor settlements, or general top-ups. A dynamic QR code, by contrast, is generated for a single order or invoice, is locked to that specific amount, and expires after a short validity window of around 5 minutes. Both flows use the same InstaPay/PESONet rails and the same PHP 15 fee, and both appear in the same HitPay dashboard.

No. The Philippine Virtual Account is available inside an existing HitPay account. Businesses already using HitPay for card, GCash, or QR PH payment collections can activate it from their current dashboard without a new vendor relationship or a second KYB process. New businesses complete standard onboarding once and gain access to both customer payment tools and the Virtual Account together.

Philippine-registered sole proprietors, partnerships, and corporations can open a HitPay Virtual Account, provided they meet HitPay's standard merchant requirements, including a valid Philippine business bank account for settlement. Common users include online sellers, distributors and wholesalers, freelancers and agencies invoicing local clients, and any business that receives payments or transfers from multiple banks or e-wallets and wants them consolidated in a single account.

HitPay's dashboard lists customer payments - cards, GCash, QR PH, ShopeePay, GrabPay - alongside inbound InstaPay and PESONet transfers to the Virtual Account in a single, unified transaction ledger, each tagged with its sender, amount, and fee. Businesses can export a combined reconciliation report covering both flows instead of maintaining separate records for customer collections and incoming transfers.

Sub-merchants in the Philippines can accept GCash, Maya, QR Ph, InstaPay, PESONet bank transfers, and Visa or Mastercard, all created through the Platform API. Filipino sub-merchants complete the same Business Verification and receive payouts directly to their own bank account, just like sub-merchants in Singapore and Malaysia.

Philippine businesses provide standard business registration documents - such as DTI or SEC registration, a valid government ID for the business owner or authorised representative, and a Philippine business bank account for settlement - as part of HitPay's onboarding process, the same requirement as any HitPay merchant account. Sign-up is fully online, and there are no setup fees for opening the Virtual Account.

Transfers into HitPay's Philippine Virtual Account are processed through HitPay's Philippine banking partner, over the InstaPay and PESONet interbank networks. Each business is issued its own unique 12-character account number rather than a shared or pooled wallet, and funds credited to the account are reflected in the HitPay dashboard and can be withdrawn to the business's own bank account.

A GCash or Maya business account can only receive transfers sent within that same wallet's network. HitPay's Virtual Account receives from any InstaPay or PESONet-connected bank or e-wallet - including GCash and Maya - through a single account number, and unifies those inbound transfers with the business's own customer card, GCash, and QR PH payment collections in one dashboard, rather than requiring separate apps for each.