Philippines
Learn everything you need to know to make payouts in the Philippines with dLocal.
Market specifications
Take a look of all the information you need to make a payout.
Country reference Mandatory paramentersPayment methods
Find all the information about payment methods capabilities.
Bank transfers Wallet transfersBank information
Find all the bank account validations details you need to make a payout.
Bank codesMarket specifications
Do you want to know more information about the Philippines' market? Go to the Accelerate Growth in Asia’s Leading eCommerce Hubs article.
Country reference
country code | currency code | amount decimals | document_type name | document_id format |
---|---|---|---|---|
PH | PHP | 2 | PSN | 12 digits |
Mandatory parameters
Bank transfers
Bank transfer parameters | B2C | B2B | P2P |
---|---|---|---|
external_id | Yes | Yes | Yes |
payment_method_id | Yes | Yes | Yes |
flow_type | Yes | Yes | Yes |
purpose | Yes | Yes | Yes |
amount | Yes | Yes | Yes |
currency | Yes | Yes | Yes |
country | Yes | Yes | Yes |
beneficiary.first_name | Yes | Yes | Yes |
beneficiary.last_name | Yes | Yes | Yes |
beneficiary.phone | Yes | Yes | Yes |
beneficiary.bank_account.code | Yes | Yes | Yes |
beneficiary.bank_account.account | Yes | Yes | Yes |
remitter.first_name | - | - | Yes |
remitter.last_name | - | - | Yes |
remitter.nationality | - | - | Yes |
remitter.address.street | - | - | Yes |
remitter.address.city | - | - | Yes |
remitter.address.country | - | - | Yes |
remitter.address.postal_code | - | - | Yes |
Wallet transfers
Wallet transfer parameters | B2C | B2B | P2P |
---|---|---|---|
external_id | Yes | Yes | Yes |
payment_method_id | Yes | Yes | Yes |
flow_type | Yes | Yes | Yes |
purpose | Yes | Yes | Yes |
amount | Yes | Yes | Yes |
currency | Yes | Yes | Yes |
country | Yes | Yes | Yes |
beneficiary.first_name | Yes | Yes | Yes |
beneficiary.last_name | Yes | Yes | Yes |
beneficiary.phone | Yes | Yes | Yes |
beneficiary.instant_payment.id | Yes | Yes | Yes |
ibeneficiary.nstant_payment.type | Yes | Yes | Yes |
remitter.first_name | - | - | Yes |
remitter.last_name | - | - | Yes |
remitter.nationality | - | - | Yes |
remitter.address.street | - | - | Yes |
remitter.address.city | - | - | Yes |
remitter.address.country | - | - | Yes |
remitter.address.postal_code | - | - | Yes |
Payment methods
The Philippines supports payouts via Bank transfers and Wallet transfers. Each method requires specific parameters and follows validation rules aligned with local compliance and banking standards.
Use Wallet transfers for instant payments to mobile wallets. Use Bank transfers when sending funds directly to a bank account.
Bank transfers
Bank transfers in the Philippines require detailed account information, including bank code, bank account number, amount, currency, and phone. The format of these fields depends on the receiving bank, and strict validation rules apply.
Refer to the bank codes section for format specifications.
Mandatory parameters
All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types.
Mandatory parameter | Description |
---|---|
external_id | Payout identification at the merchant's end. Maximum 100 characters. |
payment_method_id | Payment method. Use BANK_TRANSFER for bank transfers. |
flow_type | Payout flow type. Valid values: B2C (Business to Consumer), B2B (Business to Business), or P2P (Person to Person). |
purpose | Payout purpose code. See purpose codes reference . |
amount | Payout amount (in the currency set in the currency field). Use up to 2 decimal places. |
currency | Payout currency. For the Philippines, use PHP or USD . |
country | Country code. For the Philippines, use PH . |
beneficiary.first_name | Beneficiary's first name. Maximum 50 characters. |
beneficiary.last_name | Beneficiary's last name. Only applies when the beneficiary is an individual. Maximum 50 characters. |
beneficiary.phone | Beneficiary's phone number. Maximum 20 characters. |
beneficiary.bank_account.code | Beneficiary's bank account code. See bank codes below. |
beneficiary.bank_account.account | Beneficiary's bank account number. Maximum 45 characters. |
remitter.first_name | Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P). |
remitter.last_name | Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P). |
remitter.nationality | Remitter's nationality. ISO 3166-1 alpha-2 code. Mandatory only for remittance (P2P). |
remitter.address.street | Remitter's address street. Maximum 200 characters. Mandatory only for remittance (P2P). |
remitter.address.city | Remitter's address city. Maximum 40 characters. Mandatory only for remittance (P2P). |
remitter.address.country | Remitter's address country. ISO 3166-1 alpha-2 code. Mandatory only for remittance (P2P). |
remitter.address.postal_code | Remitter's address postal code. Maximum 20 characters. Mandatory only for remittance (P2P). |
Example request
{
"external_id": "123456789",
"payment_method_id": "BANK_TRANSFER",
"flow_type": "B2C",
"purpose": "OTHER_SERVICES",
"country": "PH",
"amount": 10,
"currency": "PHP",
"notification_url": "https://thisisawebsite.net/payments",
"beneficiary": {
"first_name": "Lucia",
"last_name": "Diaz",
"phone": "8346583658",
"document": {
"type": "PSN",
"id": "275347623546"
},
"bank_account": {
"code": "3",
"branch": "7890",
"account": "0213880962",
"type": "S"
}
}
}
Wallet transfers
Wallet transfers enable real-time transfers using a mobile phone number linked to a wallet.
The account_type
field must indicate the type of wallet being used (e.g., PayMaya, GCash, Coins, GrabPay, Starpay, TayoCash, PalawanPay, CBCI, LULU, USSC, Zybi). The phone
field must be present and correctly formatted.
Mandatory parameters
The table below outlines the required parameters for Wallet transfers.
Mandatory parameter | Description |
---|---|
external_id | Payout identification at the merchant's end. Maximum 100 characters. |
payment_method_id | Payment method identifier. For wallet, use INSTANT_PAYMENT . |
flow_type | Payout flow type. Valid values: B2C (Business to Consumer), B2B (Business to Business), or P2P (Person to Person). |
purpose | Payout purpose code. See purpose codes reference . |
currency | Payout currency. For the Philippines, use PHP or USD . |
amount | Payout amount (in the currency set in the currency field). Use up to 2 decimal places. |
country | Country code. For the Philippines, use PH . |
beneficiary.first_name | Beneficiary's first name. Maximum 50 characters. |
beneficiary.last_name | Beneficiary's last name. Only applies when the beneficiary is an individual. Maximum 50 characters. |
instant_payment.id | Beneficiary's wallet ID. Maximum 45 characters. |
instant_payment.type | Beneficiary's instant payment account type. Type of wallet being used: PayMaya , GCash , Coins , GrabPay , Starpay , TayoCash , PalawanPay , CBCI , LULU , USSC , Zybi . These channels can only accommodate a maximum of PHP 50,000 per transaction. |
remitter.first_name | Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P). |
remitter.last_name | Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P). |
remitter.nationality | Remitter's nationality. ISO 3166-1 alpha-2 code. Mandatory only for remittance (P2P). |
remitter.address.street | Remitter's address street. Maximum 200 characters. Mandatory only for remittance (P2P). |
remitter.address.city | Remitter's address city. Maximum 40 characters. Mandatory only for remittance (P2P). |
remitter.address.country | Remitter's address country. ISO 3166-1 alpha-2 code. Mandatory only for remittance (P2P). |
remitter.address.postal_code | Remitter's address postal code. Maximum 20 characters. Mandatory only for remittance (P2P). |
Example request
{
"external_id": "68907654",
"payment_method_id": "INSTANT_PAYMENT",
"flow_type": "B2C",
"purpose": "OTHER_SERVICES",
"country": "PH",
"amount": 90000,
"currency": "PHP",
"notification_url": "http://google.com",
"beneficiary": {
"first_name": "Michael",
"last_name": "Chen",
"instant_payment": {
"id": "081228271026",
"type": "GCASH"
}
}
}
Bank information
Access the reference formats and accepted values required for processing bank payouts in the Philippines.
Bank codes
Bank Name | Bank Code |
---|---|
Al Amanah Islamic Investment Bank | 1 |
AllBank Inc. | 90 |
ANZ Bank | 2 |
Asia United Bank | 3 |
Bangko Mabuhay (A Rural Bank), Inc. | 91 |
Bangkok Bank Public Co Ltd | 4 |
Bank Of America | 5 |
Bank of China | 6 |
Bank of Commerce | 9 |
Bank of Philippine Island (BPI) | 10 |
BDO NETWORK BANK | 89 |
BDO Unibank | 7 |
Binangonan Rural Bank (BRBDigital cashcards) | 93 |
BPI Direct BanKO, Inc., A Savings Bank | 92 |
BPI Family | 11 |
Camalig Bank | 95 |
CARD Bank | 96 |
Cebuana Lhuillier Rural Bank, Inc. | 94 |
China Bank | 12 |
China Bank Savings | 13 |
Chinatrust Bank (CTBC) | 14 |
CIMB Bank Philippines, Inc. | 279 |
CITIBANK (Philippines) | 15 |
Citystate Savings Bank | 16 |
DCPAY Philippines | 98 |
Development Bank of Philippines (DBP) | 17 |
Duetsche Bank | 18 |
Dungganon Bank (A Microfinance Rural Bank), Inc. | 97 |
East West Bank | 19 |
EastWest Rural Bank or Komo | 99 |
Equicom Savings Bank | 20 |
First Consolidate Bank | 21 |
G-Xchange Inc | 220 |
GoTyme Bank | 106 |
HSBC | 23 |
HSBC Savings Bank | 24 |
Industrial Bank of Korea | 25 |
ING Bank N.V. | 100 |
ISLA Bank | 26 |
JP Morgan Chase Bank | 27 |
KEB Hana | 29 |
Land Bank of the Philippines (LBP) | 161 |
Malayan Bank | 30 |
Maya Bank, Inc. | 424 |
Maybank Philippines | 31 |
Mega INTL COMML Bank Co LTD (ICBC) | 32 |
Metrobank | 33 |
Mizuho Bank Ltd (Fuji Bank) | 35 |
OmniPay Inc previously known as PVBCC | 47 |
Partner Rural Bank (COTABATO) INC | 37 |
Phil Business Bank | 40 |
Philippine Bank of Communications (PBCOM) | 39 |
Philippine National Bank (PNB) | 41 |
Philippine Saving Bank (PS Bank) | 45 |
Philippine Veterans Bank | 42 |
PNB Savings Bank | 101 |
Producers Savings Bank Corp | 44 |
Queen City Development Bank, Inc. | 103 |
Quezon Capital Rural Bank, Inc | 104 |
Rizal Commercial Banking Corporation (RCBC) | 48 |
Rizal Commercial Banking Corporation Savings Bank (RCBC) | 49 |
Robinsons Bank | 50 |
Rural Bank of Guinobatan, Inc. | 105 |
Seabank Philippines Inc. | 109 |
Security Bank | 51 |
Shinhan Bank | 54 |
Standard Chartered Bank | 52 |
Sterling Bank of Asia | 53 |
Sun Savings Bank Inc | 55 |
Union Bank of the Philippines | 57 |
Union Digital Bank | 315 |
United Coconut Planters Bank (UCPB) | 58 |
United Overseas Bank Philippines (UOB) | 59 |
Wealth Development Bank | 60 |
Yuanta Saving Bank Phils Inc (FKA TongYang) | 56 |
Updated about 3 hours ago