---
title: "SM Bills Payment"
slug: "sm-bills-payment"
updated: 2026-07-22T10:02:18Z
published: 2026-07-22T10:02:18Z
canonical: "docs.xendit.co/sm-bills-payment"
---
> ## 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.
# SM Bills Payment
SM Bills Payment counters, located within SM Department Stores, Supermarkets, and Hypermarkets, provide a convenient location for customers to pay for online purchases offline using cash. By presenting a payment reference number from the online transaction, customers can settle their bills with ease.
---
## Features
| **Channel Code** | SM_BILLS_PAYMENT |
| --- | --- |
| **Display Name** | SM Bills Payment |
| **Currency** | PHP |
| **Country** | PH |
| **Type** | OVER THE COUNTER |
| **Min Amount** | 50 |
| **Max Amount** | 200,000.00 |
| **User Approval Flow** | PRESENT TO CUSTOMER |
| **Reusable Payment Code** | ✓ |
| **Save** | - |
| **Merchant Initiated Transaction** | - |
| **Auth & Capture** | - |
| **Partial Capture** | - |
| **Desktop Support** | - |
| **Mobile Support** | - |
| **Custom Payment Code** | ✓ |
| **Display Merchant Name** | XENDIT |
| **Customize Display Name** | - |
| **Set Expiry** | ✓ |
| **Payment Request Expiry (hours)** | 48 |
| **Payment Token Validity (years)** | - |
| **Payment Processing Time (hours)** | INSTANT |
| **Settlement Time** | T+2 BUSINESS DAYS |
| **Installments** | - |
| **Refund** | - |
| **Partial Refund** | - |
| **Multiple Partial Refund** | - |
| **Refund Validity (days)** | - |
| **Payment Link** | - |
| **Fund Flow** | AGGREGATOR |
## How to pay
1. Visit your nearest SM Malls outlet branch before payment code expires
2. Tell the cashier/staff that you will be making a Bills Payment (not remittance)
3. You will be given a `BPS Validation Slip` to fill up
**BPS Validation Slip**
Please fill out the following information:
1. Biller Company: DRAGONPAY
2. Card/Account/Policy No: Payment Code given by merchant
3. Date of Payment: Date today
4. Account Name: Name of Payor
5. Mode of Payment:
1. Tick: `Cash`
2. ₱: Amount due for your payment code
6. Signature: Payor’s signature
4. Give the filled out slip to the cashier/staff with your payment (cash only).
5. You will receive a receipt as proof of payment 