PayMongo Philippines Developer Payment API
PayMongo Philippines developer payment REST API for Filipino businesses and developers to accept GCash, Maya, credit/debit cards, BillEase BNPL, and bank transfers with Stripe-inspired developer experience and BSP-regulated compliance for modern Philippines e-commerce. Enables AI agents to manage payment intent creation for Philippines checkout automation, handle GCash e-wallet source for Philippines mobile payment automation, access Maya wallet payment for Philippines digital wallet automation, retrieve card payment processing for Philippines card commerce automation, manage BillEase BNPL for Philippines buy-now-pay-later automation, handle payment link creation for Philippines no-code checkout automation, access refund processing for Philippines order management automation, retrieve payment status and webhook for Philippines order confirmation automation, manage customer and payment method vault for Philippines recurring automation, and integrate PayMongo with Philippine e-commerce, SaaS, and marketplace platforms for end-to-end Philippines developer payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Philippines payments. PCI-DSS. Secret/Public key. PH. Card and wallet data.
⚡ Reliability
Best When
A Filipino developer or business wanting AI agents to automate GCash, Maya, card, and BNPL payment acceptance through PayMongo's Stripe-inspired Philippines payment API.
Avoid When
BSP REGULATORY COMPLIANCE: PayMongo is BSP-registered; automated payment operations must comply with BSP electronic payment regulations; automated payment without merchant BSP compliance creates regulatory issue. PAYMENT INTENT AND SOURCE TWO-STEP FLOW: PayMongo uses Stripe-like payment intent + source attachment; automated checkout must create PaymentIntent, attach Source, then await payment; automated single-step charge without intent/source flow creates unsupported flow error for GCash and Maya. WEBHOOK FOR PAYMENT CONFIRMATION: PayMongo payment confirmation is async (especially for GCash, Maya); automated fulfillment must implement webhook for payment.paid event; automated polling-only confirmation creates delayed or missed payment confirmation for wallet payments. GCash REDIRECT FLOW REQUIRED: GCash payments require customer redirect to GCash app or web; automated checkout must redirect customer to GCash authorization URL; automated server-side GCash charge without customer redirect creates unauthorized GCash charge.
Use Cases
- • Accepting GCash and card payments from Philippines developer checkout agents
- • Processing Maya wallet from Philippines mobile commerce agents
- • Creating payment links from Philippines SMB collection agents
- • Managing BNPL with BillEase from Philippines installment commerce agents
Not For
- • OTC cash payments (use Dragonpay for Philippines OTC cash network)
- • Pan-SEA beyond Philippines (use Xendit for multi-country SEA)
- • Enterprise Philippines payments (use BDO direct for enterprise banking)
Interface
Authentication
PayMongo uses Secret Key (sk_) and Public Key (pk_) with Basic Auth for API authentication. REST API with JSON. Makati City, Philippines HQ. Founded 2019 by Jaime Hing III, Francis Plaza, and Pablo Pinillos. Backed by PayPal Ventures, Y Combinator, Global Founders Capital ($12M+ raised). Products: GCash, Maya, card processing, BillEase BNPL, payment links, webhooks. SDKs: PHP, Node.js, Python, Ruby. BSP-registered. PCI DSS. Competes with Dragonpay and Xendit for Philippines developer payments.
Pricing
Makati PH. YC/PayPal Ventures backed. Per-transaction fees in PHP. BSP-registered. DTI/SEC registration required.
Agent Metadata
Known Gotchas
- ⚠ PAYMENT INTENT + SOURCE ATTACHMENT FLOW: PayMongo requires creating PaymentIntent first, then attaching a Source (GCash, Maya); automated checkout must implement both steps with status polling; automated one-step charge without PaymentIntent/Source flow creates unsupported payment method error
- ⚠ SOURCE REDIRECT URL REQUIRED: GCash and Maya sources require redirect_url for customer redirect; automated source creation must include redirect_url; automated source without redirect_url creates missing required field error for wallet payment sources
- ⚠ WEBHOOK EVENT FILTERING BY TYPE: PayMongo webhooks fire for multiple event types; automated webhook endpoint must filter by event type (payment.paid, source.chargeable, etc.); automated unfiltered webhook processing creates double-processing of same payment from multiple event types
- ⚠ SECRET KEY FOR SERVER-SIDE, PUBLIC KEY FOR CLIENT: PayMongo pk_ for browser tokenization, sk_ for server charges; automated server-side payment must use sk_; automated pk_ server-side use creates insufficient permissions error
- ⚠ PAYMENT AMOUNT IN CENTAVOS: PayMongo amounts are in centavos (1 PHP = 100 centavos); automated charge must multiply PHP amount by 100; automated PHP decimal amount creates 100x smaller charge than intended
Alternatives
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Scores are editorial opinions as of 2026-03-07.