BPI Direct Debit

The Bank of the Philippine Islands (BPI) is one of the largest and most trusted banks in the Philippines, with a strong presence in both traditional and digital banking services. BPI Online Banking, its digital platform, is widely used for secure and convenient transactions, including online payments, bills payment, and fund transfers. With millions of active users, BPI Online Banking is a preferred payment method for Filipinos who value ease of use, security, and reliability.

BPI's popularity stems from its extensive customer base and seamless integration with many e-commerce platforms, making it a key payment method for businesses targeting the Philippine market. Merchants often adopt BPI Online Banking as an option to cater to customers who prefer direct bank payments over credit cards or e-wallets.

Features

Channel Code	BPI_DIRECT_DEBIT
Currency	PHP
Minimum Amount	1.00
Maximum Amount	10,000.00
User Approval Flow	REDIRECT
Save	❌
Recurring	❌ (see BPI recurring to serve this use case)
Auth & Capture	❌
Partial Capture	❌
Multiple Partial Capture	❌
Payment Request Expiry (hours)	❌
Payment Token Validity (hours)	❌
Settlement Time (hours)	T+1 CALENDAR DAYS
Refund	✅
Partial Refund	✅
Multiple Partial Refund	✅
Refund Validity (days)	N/A
Compatible integration	Payment API, Payment Link

BPI Direct Debit

Features

Payment flow