Philippines Payment Centers

Overview

Philippines Payment Centers is a payment method which allows to process purchases by using cash over-the-counter at physical retail channels and payouts by using cash pick-up points. You can perform purchases through this method by using Payment Page and Gate, payouts by using Gate and Dashboard.

General information

Payment method type cash payments
Countries and regions PH
Payment currencies PHP
Currency conversion available only for purchases—on the ECommPay side
Purchases +
Payouts +
Stored credentials payments
Full refunds +
Partial refunds +
Chargebacks
Notes
  • additional parameters can be specified while generating Payment Page
  • full and partial refunds are available only directly from the provider service
Onboarding and access fee refer to your ECommPay key account manager

Interaction diagram

Payment processing by using the Philippines Payment Centers payment method requires merchant's web service, one of ECommPay interfaces, and the ECommPay payment platform, as well as provider technical facilities.



Operations support

  Interfaces Amounts, PHP** Times***
Payment Page CMS Plug-ins Gate Dashboard minimum maximum basic threshold
Purchases + + 1.00 1,000,000.00 2 days 5 days
Payouts + + 10.00 100, 000.00 24 hours 48 hours
Full refunds * * * * * *
Partial refunds * * * * * *

* To request a full or partial refund, customer needs to submit the online refund form.

** Refer to your ECommPay key account manager for more information.

*** The basic and threshold times are defined as follows:

  • The basic time is the average estimated time between the moment a payment is initiated in the payment platform to the moment the payment result is sent to the initiator. The basic time evaluation is made on the assumption of normal operation of all technical facilities and communication channels and typical customer behaviour (if any input from customer is required). Use the basic time to estimate when to react to the absence of payment result notifications or when to check payment status.
  • The threshold time is the maximum possible time between the moment a payment is initiated in the payment platform to the moment the initiator receives the callback with the payment result. A payment is automatically declined, if its waiting time exceeds the threshold time. For individual setting of the threshold time limit, contact ECommPay technical support.

Processing scenarios

In the Philippines Payment Centers method, to perform a purchase operation, you need to redirect customer to the provider service, while to perform a payout, you need to notify customer via merchant's web service.

Figure: Purchase by using Payment Page



Figure: Purchase by using Gate



Figure: Payout by using Gate



Supported physical retail channels

Payments through the Philippines Payment Centers method are carried out through physical retail channels that support the work with this method. The channels have their own identifiers, which are used to initiate payments by using Gate, and to display channels on Payment Page when choosing a payment method. The table below provides information on these retail channels for informational purposes, it may change without additional notice; for the most recent list of supported channels, contact your ECommPay key account manager, or by using the request /v2/info/banks/cash/philippines/sale/list, which belongs to the following request group: /v2/info/banks/{parentMethod}/{childMethod}/{operationType}/list.

The request must contain the project and payment IDs, signature, currency, and payment amount, as shown in the example. It is important to specify real payment data, but if the payment has not yet been generated, you can specify a random value for the payment ID in the request.

Figure: Example of requesting a list of banks

{
  "general": {
    "project_id": 200,
    "payment_id": "ORDER_155860015",
    "signature": "K6jllym+PtObocZtr345st...=="
  },
  "payment": {
    "amount": 1000,
    "currency": "PHP"
  }
}
Table 1. List of physical retail channels
Physical retail channels ID
Bayad Center 2601
Cebuana Lhuillier PeraPal 2621
Cebuana Lhuillier Bills Payment 1581
ECPay (Pawnshops, Payment Centers) 2651
LBC 1591
M. Lhuillier 2631
Palawan Pawnshop 2661
Posible Partners 2671
RD Pawnshop 2681
RuralNet Banks and Coops 2691
Robinsons Dept Store 2641
SM Dept/Supermarket/Savemore Counter 2611
7-Eleven 2591

Supported cash pick-up points services

Payments through the Philippines Payment Centers method are carried out through cash pick-up points services that work with the method. Each of service has its own ID that identifies it in the request of payout by using Gate.

The table below provides information on these identifiers for informational purposes, it may change without additional notice; for the most recent list of supported banks, contact your ECommPay key account manager or send the /v2/info/banks/cash/philippines/payout/list request that belongs the /v2/info/banks/{parentMethod}/{childMethod}/{operationType}/list request group.

Table 2. List of cash pick-up points
Points name ID
Cebuana Lhuillier Cash Pick-up 1581
LBC Cash Pick-up 1591
PeraHub Cash Pick-up 1601
RCBC/RCBC Savings Bank Cash Pick-up 1611
TrueMoney Cash Pick-up 1621

The sections that follow provide detailed information about what you need to perform payments and how you can analyse the information on payments and operations.

Purchases by using Payment Page

General information

In the Philippines Payment Centers method, when processing a purchase by using Payment Page, the merchant web service should send a request with all the required parameters and signature to the ECommPay URL and get the callback with the payment result from the payment platform. When opening Payment Page, you can have Payment Page opened with one of the Philippines Payment Centers methods selected. For more information about preselecting payment methods, see in Preselecting payment method. The full sequence and particularities of the purchase process are provided below.



Figure: Purchase by using Payment Page

  1. A customer initiates a purchase on the merchant's web service.
  2. The web service sends the request for Payment Page opening to the specified ECommPay URL.
  3. The request for opening is redirected to the payment platform.
  4. The payment platform performs the initial request processing that involves validation of the required parameters and signature.
  5. Requested Payment Page is generated into the ECommPay payment platform as specified in the project settings and the request parameters.
  6. Payment Page is displayed to the customer.
  7. The customer selects the Philippines Payment Centers method.
  8. The payment platform receives the purchase request for payment processing from Payment Page.
  9. The payment platform performs the internal purchase request processing and sends it to the provider service.
  10. The purchase request is processed on the provider service side.
  11. The provider service generates the data for redirecting the customer to its website form and sends it to the payment platform.
  12. The payment platform sends the customer redirection data to Payment Page.
  13. The customer is redirected to the provider website.
  14. The customer completes all the payment steps required.
  15. The payment is processed on the provider side.
  16. The information on the payment result is sent from the provider side to the specified customer email address.
  17. The customer is redirected to Payment Page.
  18. The provider service sends the result notification to the payment platform.
  19. The payment platform sends a callback with the payment result to the web service.
  20. The payment platform sends the result to Payment Page.
  21. A page with the payment result information is displayed to the customer on Payment Page.

The sections that follow discuss in more details the request format and the Payment Page parameters to use in the Philippines Payment Centers payment method and provide the information on the format of callbacks with payment results. For the general information on how to use the API, see Payment Page API Description.

Request format

There are several things you need to consider when using the Philippines Payment Centers method:

  1. You must provide values for the basic minimum of parameters. Listed below are the parameters that are mandatory for any payment method:
    • project_id—the project ID obtained from ECommPay
    • payment_id—payment ID unique within the project
    • payment_currency—payment currency in ISO-4217 alpha-3 format
    • payment_amount—payment amount in minor units
    • customer_id—customer ID unique within the project
  2. It is recommended to specify the e-mail address of the customer in the customer_email additional parameters. If the request is missing the parameter, on Payment Page the additional field is displayed to the customer to input missing data. If the parameter is specified in the request, n Payment Page the additional pre-filled field is displayed to the customer. The field contains the value specified in the request, the customer can verify or change the email.
  3. You can customise the selecting payment method page on Payment Page.

    By default the physical retail channels are grouped in one Philippines Payment Centers button on Payment Page, so the selection of a channel is carried out in two steps. First, the Philippines Payment Centers method is chosen among others, and then a retail channel is selected on the next page with the list of channels.

    There are several options for displaying the page with the selecting of payment method on Payment Page:

    • To display physical retail channels grouped in one Philippines Payment Centers button on Payment Page in the list of payment methods.
    • To display physical retail channels with separate buttons in the list of payment methods. You need to pass true in the split_banks parameter in the request for opening in the payment_methods_options string.
      payment_methods_options={"philippines_cash": {"split_banks": true}}
      
    • To display a button of a specific retail channel (one or several) from Philippines Payment Centers group on Payment Page in the list of payment methods, pass the identifier in the banks_id parameter. If it is necessary to display several retail channels from a group, pass the identifiers of these IDs separated by a comma with a space.
      payment_methods_options: {"philippines_cash": {"split_banks": true, "banks_id": [2591, 2601]}}
    • To display only one Philippines Payment Centers button without other payment methods. To preselect Philippines Payment Centers as the payment method on Payment Page, pass the code philippines-cash in the force_payment_method parameter. The list of the channels from Philippines Payment Centers group with separate buttons are displayed to a customer on Payment Page bypassing the page with the payment method selection.
    • To display only one button of the physical retail channel on Payment Page. You need to specify the ID of the channel in the banks_id of the payment_methods_options parameter.

      Here is the example of a request for opening Payment Page with a preselected physical retail channel.

      Figure: Example of the request with preselecting a physical retail channel

          { payment_id: 'X03936', 
            payment_amount: 10000, 
            payment_currency: 'PHP', 
            project_id: 123,
            customer_id: 'customer1',
            customer_email: 'test@example.com',
            force_payment_method: 'philippines-cash',
            payment_methods_options: {"philippines_cash": {"banks_id": [2601]}},
            signature: "kUi2x9dKHAVNU0FYldJrxh+...tT4DqtVUkDJrOcZzUCwX6R\/ekpZhkIQg=="
          }
  4. If required, you can also add any other additional parameters Payment Page supports.
  5. After you specify all the parameters you need, you must create the signature for the request. For instructions on how to sign a payment request, see Signature generation and verification.

Thus, a correct payment request in the Philippines Payment Centers method must include project and payment IDs, the currency and the amount of a payment, customer email address and signature as shown in the following example:

    { payment_id: 'ECT_TEST_1547', 
      payment_amount: 1000, 
      payment_currency: 'PHP', 
      project_id: 210,
      customer_email: 'test@example.com',
      signature: "kUi2x9dKHAVNU0FYldJrxh4yo+K...tT4DqtVUkDJrOcZzUCwX6R\/ekpZhkIQg=="
    }

For information about all parameters available in the Philippines Payment Centers method , see Payment Page invocation parameters.

Callback format

The Philippines Payment Centers method uses the standard format for callbacks to deliver purchase results. For more information, see Callbacks.

The following is the example of a callback with an information about successful 10.00 PHP purchase in the 239 project.

Figure: Example of a successful purchase callback

 {
        "project_id": 239,
        "payment": {
            "id": "EPfa87-bcfd",
            "type": "purchase",
            "status": "success",
            "date": "2020-03-06T14:11:00+0000",
            "method": "Philippines cash",
            "sum": {
                "amount": 1000,
                "currency": "PHP"
            },
            "description": ""
        },
        "operation": {
            "id": 464,
            "type": "sale",
            "status": "success",
            "date": "2020-03-06T14:11:00+0000",
            "created_date": "2020-03-06T14:10:34+0000",
            "request_id": "f6ab99eb0940e43a774b969cb74a88ef08eec6c8951-00000001",
            "sum_initial": {
                "amount": 1000,
                "currency": "PHP"
            },
            "sum_converted": {
                "amount": 1000,
                "currency": "PHP"
            },
            "code": "0",
            "message": "Success",
            "provider": {
                "id": 1369,
                "payment_id": "7QKID3P3",
                "auth_code": "",
                "endpoint_id": "BOG",
                "date": "2020-03-06T14:10:54+0000"
            }
        },
        "signature": "YZKXHr2ZdK3tPqiMzPpSJZ...+WGku5dANQAVWPteHKmwzMQ+mvGoA=="
    }
}

The following is the example of a callback for a purchase declined due to amount or frequency limitation.

Figure: Example of a declined purchase callback

 {
        "project_id": 239,
        "payment": {
            "id": "EPfa87-bcfc",
            "type": "purchase",
            "status": "decline",
            "date": "2020-03-07T14:11:00+0000",
            "method": "Philippines cash",
            "sum": {
                "amount": 200000000,
                "currency": "PHP"
            },
            "description": ""
        },
        "operation": {
            "id": 465,
            "type": "sale",
            "status": "decline",
            "date": "2020-03-07T14:11:00+0000",
            "created_date": "2020-03-06T14:10:34+0000",
            "request_id": "f6ab99eb0940e43a774b969cb74a88ef08eec6c8951-00000002",
            "sum_initial": {
                "amount": 200000000,
                "currency": "PHP"
            },
            "sum_converted": {
                "amount": 200000000,
                "currency": "PHP"
            },
            "code": "20101",
            "message": "Decline due to amount or frequency limit",
            "provider": {
                "id": 1369,
                "payment_id": "7QKID3P3",
                "auth_code": "",
                "endpoint_id": "BOG",
                "date": "2020-03-06T14:10:54+0000"
            }
        },
        "signature": "YZKXHr2ZdK3tPqiMzPpSJZ...+WGku5dANQAVWPteHKmwzMQ+mvGob=="
    }
}

Related topics

The following topics might be useful when implementing payments by using Payment Page:

Purchases by using Gate

General information

In the Philippines Payment Centers method, when processing a purchase by using Gate, the merchant web service is required to do the following:

  1. Send a request with all the required parameters and signature to the ECommPay URL.
  2. Perform the redirection of a customer to the provider service.
  3. Get the callback with the payment result from the payment platform.

The following diagram provides the detailed picture of the payment processing procedure.



Figure: Purchase by using Gate

  1. A customer initiates a purchase through Philippines Payment Centers on the merchant's web service side.
  2. The web service sends the request for processing the purchase by using Gate to the specified ECommPay URL.
  3. The payment platform receives the request for processing the purchase from Gate.
  4. The payment platform performs the initial request processing that includes validation of the required parameters and signature.
  5. The payment platform sends the response with request receipt confirmation and correctness check result to the web service. For more information, see Response format.
  6. The payment platform performs the internal payment request processing and redirects the request to the provider service.
  7. The request is processed on the provider side.
  8. The provider service sends the data for redirecting the customer to the provider service to the payment platform.
  9. The payment platform sends the callback with the redirection data in the redirect_data object to the web service.
  10. The customer is redirected from the web service to the provider service.
  11. The customer completes all the payment steps required.
  12. The payment is processed on the provider side.
  13. The information on the payment result is sent from the provider side to the specified customer email address.
  14. The customer is redirected to the merchant's web service.
  15. The provider service sends the payment result notification to the payment platform.
  16. The payment platform sends a callback to the web service.
  17. The customer receives the payment result on the web service.

The sections that follow discuss in more details the request format and the Gate parameters to use in the Philippines Payment Centers payment method and provide the information on the format of callbacks with purchase results.

Request format

There are several things you must consider when using purchase requests in the Philippines Payment Centers method:
  1. You send purchase requests by sending the v2/payment/cash/philippines/sale request by using the POST HTTP method . This is the corresponding payments request group: /v2/payment/cash/{payment_method}/sale.
  2. The following objects and parameters must be specified in any request:
    • Object general—general request identification information:
      • project_id—the project ID obtained from ECommPay
      • payment_id—payment ID unique within the project
      • signature—signature created after you specify all the required parameters. For more information about signature generation, see Signature generation and verification.
    • Object payment—payment information:
      • amount—purchase amount in minor units
      • currency—purchase currency in ISO-4217 alpha-3 format
    • Object customer—customer information:
      • id—the ID of the customer within the merchant project
      • email—email address
      • ip_address—IP address
    • Object account—information on the physical retail channel:
      • bank_id—identifier of the physical retail channel
    • Object return_url—contains the URLs to which customer is redirected while or after payment processing:
      • success—URL to return customer to the web service after a successful payment.
  3. If required, you can also add any other additional parameters Gate supports.
  4. After you specify all the parameters you need, you must create the signature for the request. For instructions on how to sign a payment request, see Signature generation and verification.

Thus, a correct payment request in the Philippines Payment Centers method must include project and payment IDs, signature, currency and amount of the purchase, customer information, identifier of a physical retail channel and URL for redirection, as shown in the following example:

Figure: Example of a purchase request

{
    "general": {
        "project_id": 580,
        "payment_id": "test_cash_sale",
        "signature": "pgwRHcfv2OTsdILn33R5Nr/ymu08nMx/9FSeIqYHTTd6YhIiLWw=="
    },
    "payment": {
        "amount": 1000,
        "currency": "PHP"
    },
    "customer": {
        "email": "test_customer@example.com",
        "ip_address": "1.1.1.1",
        "id": "123"
    },
    "account": {
        "bank_id": 2681
    },
    "return_url": {
        "success": "http://example.com/success"
    }
}

Formats of the customer redirection data

To redirect a customer from the web service to the provider site, you must receive a callback from the payment platform containing the URL for redirection in the redirect_data.url parameter and data to be sent in the request body in the redirect_data.body parameter, and use these parameters when opening the HTML page using the method specified in the redirect_data.method parameter.

The following is the callback fragment containing the redirection information.

"redirect_data": {
    "body": {},
    "method": "GET",
    "url": "https://test.ph/Pay.aspx?tokenid=3f511c2d&procid=BITC"
  }

Callback format

The Philippines Payment Centers method uses the standard format for callbacks to deliver purchase results. For more information, see Callbacks.

The following is the example of a callback with an information about successful 10.00 PHP purchase in the 239 project.

Figure: Example of a successful purchase callback

 {
        "project_id": 239,
        "payment": {
            "id": "EPfa87-bcfd",
            "type": "purchase",
            "status": "success",
            "date": "2020-03-06T14:11:00+0000",
            "method": "Philippines cash",
            "sum": {
                "amount": 1000,
                "currency": "PHP"
            },
            "description": ""
        },
        "operation": {
            "id": 464,
            "type": "sale",
            "status": "success",
            "date": "2020-03-06T14:11:00+0000",
            "created_date": "2020-03-06T14:10:34+0000",
            "request_id": "f6ab99eb0940e43a774b969cb74a88ef08eec6c8951-00000001",
            "sum_initial": {
                "amount": 1000,
                "currency": "PHP"
            },
            "sum_converted": {
                "amount": 1000,
                "currency": "PHP"
            },
            "code": "0",
            "message": "Success",
            "provider": {
                "id": 1369,
                "payment_id": "7QKID3P3",
                "auth_code": "",
                "endpoint_id": "BOG",
                "date": "2020-03-06T14:10:54+0000"
            }
        },
        "signature": "YZKXHr2ZdK3tPqiMzPpSJZ...+WGku5dANQAVWPteHKmwzMQ+mvGoA=="
    }
}

The following is the example of a callback for a purchase declined due to amount or frequency limitation.

Figure: Example of a declined purchase callback

 {
        "project_id": 239,
        "payment": {
            "id": "EPfa87-bcfc",
            "type": "purchase",
            "status": "decline",
            "date": "2020-03-07T14:11:00+0000",
            "method": "Philippines cash",
            "sum": {
                "amount": 200000000,
                "currency": "PHP"
            },
            "description": ""
        },
        "operation": {
            "id": 465,
            "type": "sale",
            "status": "decline",
            "date": "2020-03-07T14:11:00+0000",
            "created_date": "2020-03-06T14:10:34+0000",
            "request_id": "f6ab99eb0940e43a774b969cb74a88ef08eec6c8951-00000002",
            "sum_initial": {
                "amount": 200000000,
                "currency": "PHP"
            },
            "sum_converted": {
                "amount": 200000000,
                "currency": "PHP"
            },
            "code": "20101",
            "message": "Decline due to amount or frequency limit",
            "provider": {
                "id": 1369,
                "payment_id": "7QKID3P3",
                "auth_code": "",
                "endpoint_id": "BOG",
                "date": "2020-03-06T14:10:54+0000"
            }
        },
        "signature": "YZKXHr2ZdK3tPqiMzPpSJZ...+WGku5dANQAVWPteHKmwzMQ+mvGob=="
    }
}

Related topics

The following topics might be useful when implementing payments through Gate:

Payouts by using Gate

General information

To perform a payout by using the Philippines Payment Centers method, merchant's web service sends a request with all the required parameters and signature to ECommPay URL, and receives a callback with the payment result. The full sequence of the payout process is provided below.



Figure: Payout sequence by using Gate

  1. A customer orders a payout through one of the supported pick-up points from Philippines Payment Centers group.
  2. Merchant's web service sends the payout request for processing the payout by using Gate to the appropriate ECommPay URL.
  3. Gate redirects the request to the ECommPay payment platform.
  4. The payment platform performs all the necessary check and processes the request.
  5. The reply with the request processing results is sent to the merchant's web service. For more information, see Response format.
  6. The payment platform redirects the payout request to the provider service.
  7. The payout is processed on the provider side.
  8. The provider service sends an email to the customer with the data for payout performing at the selected cash pick-up point.
  9. The customer receives the cash in the selected pick-up point.
  10. The provider sends the result notification to the payment platform.
  11. The payment platform sends a callback with the payment result to the web service.

The sections that follow discuss in more details the request format and the Gate parameters to use in the Philippines Payment Centers payment method and provide the information on the format of callbacks with payout results.

Request format

There are several things you must consider when using payout requests in the Philippines Payment Centers method:
  1. You perform payouts by sending the request to /v2/payment/cash/philippines/payout by using POST (HTTP) method. This is a cash request group: /v2/payment/cash/{payment_method}/payout.
  2. The following objects and parameters must be specified in any request:
    • Object general—general payout information:
      • project_id—project identifier
      • payment_id—unique payout identifier
      • signature—signature created after you specify all the required parameters. For more information about signature generation, see Signature generation and verification.
    • Object customer—customer information:
      • id—identifier
      • ip_address—IP address
      • first_name—first name
      • last_name—last name
      • email—email address
      • phone—phone number
      • country—country of residence
      • state—state or region of residence
      • city—city of residence
      • district—district of residence
      • address—address of residence
      • day_of_birth—date of birth in the DD-MM-YYYY format
      • citizenship—state of citizenship
    • Object account—customer account information:
      • bank_id—cash pick-up point service ID
    • Object payment—payout information:
      • amount—payout amount in minor currency units
      • currency—payout currency in ISO-4217 alpha-3 format
      • description — payout description
  3. The currency of payout can only be PHP.
  4. If required, you can also add any other additional parameters that are supported by Gate .

Thus, a correct payout request in the Philippines Payment Centers method must include project and payment IDs, signature, full customer data, currency, amount and description of the payout, and the cash pick-up point identifier, as shown in the following example:

Figure: Payout request example

 {
 "general": {
   "project_id": 603,
   "payment_id": "1000003",
   "signature": "PJkV8ej/UG0Di8hTng6JvC7vQsaC6tajQVVLhNN5e7cV...=="
 },
 "customer": {
   "id": "111232323",
   "ip_address": "1.1.1.1",
   "first_name": "John",
   "last_name": "Don",
   "email": "john777@gmail.com",
   "phone": "49995559988",
   "country": "PH",
   "state": "Metro Manila",
   "city": "Pasig",
   "district": "Udong",
   "address": "123 Sesame street",
   "day_of_birth": "29-12-1984",
   "citizenship": "Philippines"
 },
 "account": {
   "bank_id": "1621"
 },
 "payment": {
   "amount": 1000,
   "description": "payout",
   "currency": "PHP"
 }
}

Callback format

In the Philippines Payment Centers method, the callbacks that deliver payout results use the standard format described in Callbacks.

The following is the example of a callback with the information about successful 10.00 PHP payout made for the 111232323 customer in the 445 project.

Figure: Example of a successful payout callback

 {
        "project_id": 445,
        "payment": {
            "id": "100011",
            "type": "payout",
            "status": "success",
            "date": "2019-03-18T08:06:13+0000",
            "method": "phillipines_cash",
            "sum": {
                "amount": 1000,
                "currency": "PHP"
            },
            "description": "payout"
        },
        "customer": {
            "id": "111232323"
        },
        "operation": {
            "id": 147,
            "type": "payout",
            "status": "success",
            "date": "2019-03-18T08:06:13+0000",
            "created_date": "2019-03-18T08:06:06+0000",
            "request_id": "9499286583e3d43bcf14dbd0d45",
            "sum_initial": {
                "amount": 1000,
                "currency": "PHP"
            },
            "sum_converted": {
                "amount": 1000,
                "currency": "PHP"
            },
            "provider": {
                "id": 1346,
                "payment_id": "6Q2G5D83",
                "date": "2019-03-18T08:06:11+0000",
                "auth_code": ""
            },
            "code": "0",
            "message": "Success"
        },
        "signature": "oFGfjOtZZkFxi7Pd1yikCw01b0BsedgKr8QQrAUZS5L...=="
    }

The following is the example of a callback for a payout rejected due to amount or frequency limitation.

Figure: Example of a declined payout callback

{
        "project_id": 445,
        "payment": {
            "id": "100014",
            "type": "payout",
            "status": "decline",
            "date": "2019-03-18T10:49:50+0000",
            "method": "phillipines_cash",
            "sum": {
                "amount": 900,
                "currency": "PHP"
            },
            "description": "payout"
        },
        "account": {
            "number": "1670033323"
        },
        "customer": {
            "id": "123"
        },
        "operation": {
            "id": 148,
            "type": "payout",
            "status": "decline",
            "date": "2019-03-18T10:49:51+0000",
            "created_date": "2019-03-18T10:49:46+0000",
            "request_id": "d626cece0855a8863f687985e6169c9f07b17e91c-
                            f5fb6c317444750d8301e8ff8c57935d9872183c",
            "sum_initial": {
                "amount": 900,
                "currency": "PHP"
            },
            "sum_converted": {
                "amount": 900,
                "currency": "PHP"
            },
            "provider": {
                "id": 1346,
                "payment_id": "YDK0QS4X",
                "auth_code": ""
            },
            "code": "20101",
            "message": "Decline due to amount or frequency limit"
        },
        "signature": "fz0Yu5BFLRLJez747kDfZHgmKGtCmzduW27YGzLvo649gXqxPIOgMa5DAzPE/4GLWlZSzCwkdkqyrTqUQvLp6A=="
    }

Related topics

The following topics might be useful when implementing payments by using Gate:

Payouts by using Dashboard

To make a payout through Dashboard, the merchant sends a request, and receives a notification with the request processing result. There are two ways to initiate payouts through Dashboard:
  • as a single payout—in this case, you must specify the currency and amount for a payout available for this method, and fill in all fields required on the Dashboard interface in accordance with the selected payment method
  • as a part of a mass payment—in this case, all parameters are specified in a CSV file in accordance with the requirements in the Payouts by using Gate section (except for the signature)

Information about performed payouts is displayed in the Payments section of Dashboard.

More detailed information on the payout processing by using Dashboard is provided in the Bulk payments section.

Analysis of payments results

As with other payment methods ECommPay offers, when using the Philippines Payment Centers method, you have several options to analyse the information about payments and operations performed by using the method—alone or in conjunction with other methods.

You can load and analyse all the necessary information in Dashboard, for instance you can use the analytic panels on the Analytics tab to this end.

Also, you can export the information for further analysis by using third party analytical tools. The following options are available:

  • Dashboard allows you to download reports in CSV and XLS formats—by using the tools on the Payments tab. You can perform export as a one-time download to your local computer or have payment data regularly exported and delivered to email addresses you specify.
  • Data API allows you to have payment information exported in JSON format and delivered to a URL you specify. The payment information is exported by using the /operations/get queries.

If you have any further questions regarding payment data analysis, contact ECommPay technical support.