Everything you need to know about integrating and using the RCPAY infrastructure for your business.
General Information
RCPAY is a modern payment gateway infrastructure designed specifically for the Philippine market. We allow businesses and developers to easily accept payments via GCash and Maya (PayMaya) using a single, unified REST API.
Yes. To comply with Bangko Sentral ng Pilipinas (BSP) Anti-Money Laundering (AML) regulations, we require all merchants to submit a valid Government ID and a DTI or SEC registration certificate before gaining access to the live production API.
Account & Verification (KYC)
Once you upload your documents via the Merchant Dashboard, our compliance team manually reviews them. This process typically takes between 1 to 24 hours during standard business days.
If your verification is rejected (e.g., due to blurred images, expired documents, or name mismatches), you will see the exact rejection reason on your dashboard. You will be provided an option to re-upload the corrected documents immediately.
Payments, Fees & Payouts
Creating an account and integrating the API is completely free. We charge a standard processing fee per successful transaction. Additionally, when you request a settlement (withdrawal) to your bank or e-wallet, a fixed ₱10.00 withdrawal fee applies per payout request.
The minimum amount you can withdraw from your settlement ledger is ₱50.00. Remember that the ₱10.00 processing fee will be added to this, meaning your ledger balance must have at least ₱60.00 to process a minimum withdrawal.
Withdrawal requests are processed rapidly. Depending on the target institution (GCash, Maya, or standard bank routing), funds typically reflect in your target account within a few hours to 1 business day.
Developer Integration
We provide a fully-featured Payment Sandbox within the Merchant Dashboard. This allows your developers to simulate transactions, test webhooks, and ensure your system handles SUCCESS and FAILED states properly without executing real financial charges.
We utilize asynchronous Webhooks. Once a transaction is completed by the customer, our servers will automatically send a POST request containing a JSON payload and a cryptographic signature directly to the Webhook URL you configure in your Account Settings.
You can consult our API Documentation for standard implementation guides. If you require further assistance, you can open a ticket via the Support Center in your Merchant Dashboard, and our technical team will assist you.