Payment Methods

Payment Method Types

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Payment Method Types in SaligPay

SaligPay supports various payment method types optimized for the Philippine market. Each payment method has unique characteristics and usage patterns.

Digital Wallets

Digital wallets are among the most popular payment methods in the Philippines.

GCash

GCash is the leading mobile wallet in the Philippines, offering extensive functionality and wide acceptance.

Features:

• Instant transactions
• Wide merchant acceptance
• QR code payments
• P2P transfers

Implementation:

Code
 
const paymentIntent = await saligpay.paymentIntents.create({
    amount: 10000,
    description: "GCash payment",
    externalId: "order-123",
    contact: {
        name: "Juan Dela Cruz",
        email: "juan@example.com",
    },
});

console.log("Available methods:", paymentIntent.paymentMethods);

Maya

Maya (formerly PayMaya) is a comprehensive digital wallet and financial services platform.

Features:

• Card and wallet integration
• Investment features
• Microinsurance products
• Bill payment capabilities

GrabPay

Integrated with the Grab super-app, providing seamless payment experiences for Grab users.

Features:

• Single-app experience
• Loyalty program integration
• Multiple funding sources
• Promotions and discounts

Card Payments

Card payments support both local and international cards.

Credit Cards

• Visa
• Mastercard
• JCB

Debit Cards

• Visa Debit
• Mastercard Debit

Card Payment Implementation:

Code
 
const confirmation = await saligpay.paymentIntents.confirm("intent-id", {
    paymentMethod: "pm_card_visa",
    creditCardDetails: {
        cardNumber: "4111111111111111",
        expMonth: "12",
        expYear: "2027",
        cvc: "123",
    },
});

Bank Transfers

Bank transfers offer direct connections to bank accounts.

InstaPay

Real-time interbank transfers that settle within minutes.

Characteristics:

• Settlement within 24 hours
• Maximum amount limits
• Available for participating banks
• Lower fees compared to cards

PesoNet

Electronic clearing system for bank transfers.

Characteristics:

• Batch processing
• Next-day settlement
• Broader bank participation
• Cost-effective for larger amounts

Payment Method Availability

Not all payment methods are available for every transaction. Factors affecting availability:

• Geographic location of the customer
• Merchant category and risk profile
• Transaction amount and frequency
• Regulatory requirements
• Partnership agreements

Payment Method Objects

Each payment method in the API includes specific information:

Code
 
{
    "id": "pm_gcash_abc123",
    "type": "gcash",
    "details": {
        "account_name": "Juan Dela Cruz",
        "account_number": "***7890"
    },
    "status": "active",
    "created_at": "2025-05-03T12:00:00Z"
}

Payment Method Selection

When presenting options to customers, consider:

1. Local preferences: Digital wallets are highly preferred in the Philippines
2. Transaction size: Cards may be better for smaller amounts, bank transfers for larger ones
3. Speed requirements: Digital wallets and cards offer instant settlement
4. Cost considerations: Different payment methods have varying fees
5. Conversion rates: For international cards, consider FX implications

Implementing Payment Method Selection

Code
 
const intent = await saligpay.paymentIntents.create({
    amount: 10000,
    description: "Payment",
    externalId: "order-456",
    contact: {
        name: "Juan Dela Cruz",
        email: "juan@example.com",
    },
});

const availableOptions = intent.paymentMethods.map((method) => {
    switch (method) {
        case "gcash":
            return { id: method, name: "GCash", icon: "gcash-icon" };
        case "grab_pay":
            return { id: method, name: "GrabPay", icon: "grab-icon" };
        case "card":
            return { id: method, name: "Credit/Debit Card", icon: "card-icon" };
        default:
            return { id: method, name: method, icon: "generic-icon" };
    }
});

Payment Method Fees

Different payment methods have different fee structures:

Method	Fee Structure	Notes
GCash	Percentage-based	Typically lower than card fees
Maya	Percentage-based	Competitive rates
Card	Fixed + percentage	Higher fees due to interchange
InstaPay	Fixed fee	Very cost-effective
PesoNet	Fixed fee	Cost-effective for bulk transfers

Testing Payment Methods

For sandbox testing, use the following test values:

Cards:

• Valid test numbers provided in documentation
• Test with various card types to ensure compatibility

Digital Wallets:

• Use sandbox versions of wallet services
• Simulate different authentication flows

Error Handling by Payment Type

Different payment methods may produce specific error types:

• Wallet errors: Insufficient balance, account not verified
• Card errors: Declined by issuer, invalid CVV, expired card
• Bank transfer errors: Account not found, daily limits exceeded