---
title: "CVM"
slug: "cvm"
updated: 2025-06-30T06:38:27Z
published: 2025-06-30T06:38:27Z
canonical: "docs.xendit.co/cvm"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xendit.co/llms.txt
> Use this file to discover all available pages before exploring further.

# CVM

![](https://cdn.document360.io/217abc43-8677-41fb-a81d-fceeb1fa0358/Images/Documentation/CVM Pawnshop Home.png)

CVM Pawnshop, with its extensive network of branches across the Philippines, enables businesses to accept over-the-counter payments from customers who prefer offline transactions. Customers can settle online purchases by providing a transaction reference number at any CVM branch, making it a convenient option for those without bank accounts or who favor cash payments.

---

## Features

| Channel Code | `CVM` |
| --- | --- |
| Currency | PHP |
| Minimum Amount | 50.00 |
| Maximum Amount | 30,000.00 |
| User Approval Flow | PRESENT TO CUSTOMER |
| Reusable Payment Code | ✅ |
| Custom Payment Code | ✅ |
| Display Merchant Name | XENDIT |
| Display User Name | ❌ |
| Set Expiry | ✅ |
| Settlement Time (hours) | T+2 BUSINESS DAYS |
| Refund | ❌ |
| Partial Refund | ❌ |
| Multiple Partial Refund | ❌ |
| Refund Validity (days) | N/A |
| Compatible integration | Payment API |

## How to pay

1. Visit your nearest CVM pawnshop branch before payment code expires.
2. Tell the cashier/staff that you will be making a Dragonpay Payment
3. You will be asked to write on a piece of paper these following details:
  1. Your Name
  2. Your Mobile Number
  3. Your Birthday
  4. Payment Code given by Merchant
  5. Amount
  6. Purpose of Payment
4. Give the filled out paper to the cashier/staff with your payment (cash only)
5. You will receive a receipt as proof of payment ![](https://cdn.document360.io/217abc43-8677-41fb-a81d-fceeb1fa0358/Images/Documentation/Screenshot 2025-01-05 at 09.47.30.png)