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InstaPay online banking

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InstaPay is a real-time electronic funds transfer service in the Philippines that allows users to send money instantly between banks and e-wallets. It is part of the Bangko Sentral ng Pilipinas’ (BSP) National Retail Payment System (NRPS), aimed at promoting digital payments in the country.

With InstaPay, individuals and businesses can transfer up to ₱50,000 per transaction, 24/7, including weekends and holidays. It’s an ideal solution for urgent transfers, paying bills, or settling payments between accounts from different banks or e-wallet providers.

Through our partner DragonPay, Xendit allows your users to pay via InstaPay using any E-Wallet or bank app that is part of the InstaPay network.


Features

Channel Code

INSTAPAY_ONLINE_BANKING

Currency

PHP

Minimum Amount

1.00

Maximum Amount

35,000.00

User Approval Flow

PRESENT TO CUSTOMER

Reusable Payment Code

Custom Payment Code

Display Merchant Name

DRAGONPAY CORPORATION

Display User Name

Set Expiry

Settlement Time (hours)

T+1 BUSINESS DAYS

Refund

Partial Refund

Multiple Partial Refund

Refund Validity (days)

N/A

Compatible integration

Payment API, Payment Link

How to pay

Mobile banking

Log in to your account

  1. Open your bank or E-Wallet app (must support InstaPay)

  2. Log in to your account

Payment flow

  1. Select Bank Transfer as the payment method, and choose InstaPay if applicable (some apps may not allow you to choose)

  2. Select “Asia United Bank” or “AUB” as the recipient bank

  3. Enter “Dragonpay Corporation”

  4. Enter the Virtual Account Number provided to you, for example 7057601478328965

  5. Enter the amount to pay

  6. Enter your PIN to authorize the transaction (if needed)

  7. Complete the payment

Internet banking

Log in to your account

  1. On web, go to your preferred internet banking portal (must support InstaPay)

  2. Log in to your account

Payment flow

  1. Select Bank Transfer as the payment method, and choose InstaPay if applicable (some partners may not allow you to choose)

  2. Select “Asia United Bank” or “AUB” as the recipient bank

  3. Enter “Dragonpay Corporation” as the account name

  4. Enter the Virtual Account Number provided to you, for example 7057601478328965

  5. Enter the amount to pay

  6. Enter your PIN to authorize the transaction (if needed)

  7. Complete the payment