Bill Payment
1. Introduction
Bill payment is a popular form of payment in many countries, commonly used for scenarios such as paying utility bills, tuition fees, and loan repayments. Bill payments typically cover a variety of payment methods or assets, including credit cards, debit cards, electronic wallets, bank transfers, and offline convenience stores.
Usually, when using bill payment, users can enter the transaction number or repayment contract and amount on various apps or asset devices to make proactive repayments. After PayerMax confirms the receipt, it returns the corresponding transaction status to the merchant and sends a notification.
2. Business Process
3. User Experience
Taking the bill payment of GCash in the Philippines as an example, the payment process on the user side is as follows:
4. API Integration
API | Endpoint | Description |
Validation | /billPaymentValidationUrl | PayerMax calls this interface to request the merchant to obtain the feasibility of this payment operation (whether the payment can be made) |
Successful Payment Result Notifications | /collectResultNotifyUrlForBillPayment | After the payer's payment is successfully deducted, PayerMax will call this interface to notify the merchant of the settlement result. The merchant does not need to respond to the data |
Merchant Result Confirmation | /aggregate-pay/api/gateway/orderConfirm | After the merchant receives the payment notification and performs internal credit processing, it will return the final credit result to PayerMax |
Note:
PayerMax offers both synchronous return of settlement results and asynchronous callbacks to merchants. If the merchant returns the settlement result synchronously in the "Successful Payment Result Notifications"
interface, then there is no need for the merchant to integrate with the "Merchant Result Confirmation"
interface. If the merchant does not return the settlement result in the "Successful Payment Result Notifications"
interface, then the merchant should integrate with the "Merchant Result Confirmation"
interface to return the settlement result. If the merchant integrates with both interfaces and they both return settlement results, PayerMax will only process the settlement result from the first occurrence.
5. Payment Method
Currently, PayerMax already supports bill payments for the Philippines' PALAWANPAY e-wallet, GCash e-wallet, as well as OTC (Over-The-Counter) offline convenience stores. The capabilities of each payment channel can be referred to in the table below.
Payment Method Type | Payment Channel Name | Min. Amount | Max. Amount | Refund Supported | Partial Refund Supported |
BILL_PAYMENT | GCASH | PHP 50 | PHP 30000 | N | N |
BILL_PAYMENT | PALAWANPAY | PHP 50 | PHP 30000 | N | N |
BILL_PAYMENT | OTC | PHP 50 | PHP 30000 | N | N |