Through PayMaya Checkout, your business can accept credit, debit, and prepaid payments, through a simple integration with our payment solution.
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There are 3 easy steps to integrate PayMaya Checkout to your web or mobile application: integration to sandbox environment, testing, and production.
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.
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.
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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.
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.
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.
Merchants in the Philippines can use PayMaya Checkout to accept MasterCard, Visa and JCB, credit, prepaid and debit cards.
Transactions are usually deposited into your settlement/nominated bank account in 1 business day.
Yes. PayMaya Checkout includes fraud protection and mitigation tools for merchants of every size.
Yes, EMV cards can be used online just like normal credit cards.
Yes, PayMaya Checkout supports 3D Secure.
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.
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.
Domestic Philippine transactions are settled in PHP. Other currencies are settled in USD.
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 - https://developers.paymaya.com/docs/e/checkout. It has an API console that is preconfigured with a sandbox API key. You can request for the Checkout page from the API console.