BankTransfer

How to use BankTransfer to submit a payin in Philippines.

POST https://gateway-test.pagsmile.com/trade/pay

This endpoint allows you to submit a payin by BankTransfer in Philippines.

Payments are processed in real time after the customer completes the payment.

Refunds are not supported for this payment method.

Headers

Header	Required	Description
Content-Type	Yes	Fixed value: application/json; charset=UTF-8.
Authorization	Yes	Basic authentication using Base64(app_id:security_key).

Request Body

Parameter	Type	Required	Constraints	Description
app_id	string	Yes	Maximum length: 32 characters.	Merchant application ID assigned by Pagsmile.
out_trade_no	string	Yes	Maximum length: 64 characters. Must be unique for the merchant application.	Merchant order number.
method	string	Yes	Fixed value: BankTransfer.	Payment method.
order_amount	decimal	Yes	Supports up to two decimal places. No method-specific minimum or maximum is currently specified.	Payment amount in PHP.
order_currency	string	Yes	Fixed value: PHP.	Payment currency.
subject	string	Yes	Maximum length: 128 characters.	Payment subject or order title.
content	string	No	Maximum length: 255 characters.	Payment description or order details.
timestamp	string	Yes	Format: yyyy-MM-dd HH:mm:ss. Maximum length: 19 characters.	Time at which the request is sent.
notify_url	string	Yes	Must be a valid URL. HTTPS is recommended.	Merchant endpoint that receives asynchronous payment notifications.
buyer_id	string	Yes	Maximum length: 128 characters.	Merchant-side customer ID.

Example

Request

{
  "app_id": "161***993",
  "out_trade_no": "out_trade_no_882***16",
  "order_currency": "PHP",
  "method": "BankTransfer",
  "order_amount": "1",
  "subject": "pagsmile test",
  "content": "pagsmile test",
  "timestamp": "2026-09-23 13:18:10",
  "notify_url": "https://merchant.example.com/payment/notify",
  "buyer_id": "buyer123"
}

Response

{
  "code": "10000",
  "msg": "Success",
  "prepay_id": "cVFaSE***ae74",
  "trade_no": "20260***578",
  "out_trade_no": "out_trade_no_88***916",
  "web_url": "",
  "pay_url": "https://checkout-test.pagsmile.com/checkout?prepay_id=cVFaSE***ae74",
  "trade_status": "PROCESSING",
  "reference": "89***017",
  "due_date": "2026-09-23T05:33:23Z"
}

Complete the payment

1. Redirect the customer to the complete pay_url returned by Pagsmile.

2. The customer must complete the payment before the returned due_date.

3. Use the payment notification or the Payin Detail API to determine the final payment status.

A response with code=10000 confirms that the payment request was created. trade_status=PROCESSING does not mean that the payment has been completed. Confirm the final successful status before delivering goods or services.