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How To Use Dragonpay For Your Purchases And Bills Payment

Online transactions, especially online shopping, is becoming more and more common today. Despite the rising popularity of doing everything online, it isn’t the same for conventional payment methods such as credit cards for online payments.  We can quickly point out that only 10% of the population has access to credit cards. At the same time, that isn’t an entirely bad thing; it does mean that conventional means of paying for online purchases aren’t that accessible to Filipinos.  Many financial sector players have brought to light alternative payment methods to credit cards to bridge that gap; one of those is Dragonpay - an online payment platform that caters to both consumers’ and businesses’ needs. And the best thing about this is that you don’t need a credit card to use it!

What is Dragonpay?

It’s an online payment platform for both businesses and consumers:
  • It can work as a payment gateway for e-commerce entities giving their customers the option to pay in cash. At the same time, it provides a real-time tracker to the business for payments made by their customers. 
  • Customers can complete their payment for their online purchases with affiliated merchants without the need for credit cards or even a PayPal account. With Dragonpay, they can make their payments in 7-11, at any Bayad Centers, or through their bank via supported online banking apps. 
Either way, both parties can enjoy a secured payment channel that offers a wide range of options that does not involve a credit card. 

What are the banks that support Dragonpay?

One of the ways to pay via Dragonpay is through online banking. Still, it’s only limited to the following banks which have integrated this service into their platform and support bank deposits via their branches:

Online banking

  1. Asia United Bank (AUB)
  2. Banco de Oro (BDO)
  3. Bank of the Philippine Islands (BPI)
  4. Chinabank
  5. EastWest Bank
  6. Landbank
  7. Maybank
  8. Metrobank
  9. Philippine National Bank (PNB)
  10. PSBank
  11. Rizal Commercial Banking Corp (RCBC)
  12. Robinsons Bank
  13. Unionbank
  14. United Coconut Planters Bank (UCPB)
How to pay via online banking The initial process is the same for all banks; however, there will be a completely different process towards the end of the procedure, but the instruction will be provided by Dragonpay according to your bank. The initial payment process is as follows:
  1. When shopping with affiliate merchants, upon checkout, choose Dragonpay as your payment method. 
  2. You will be routed to Dragonpay's payment gateway, choose your preferred bank from the dropdown menu. 
  3. A new pop-up window showing your bank's name and the amount of your transaction will ask you to enter your email address where they can send the payment instructions for your chosen bank. Alternatively, you can just click the "view payment instructions online" if you want to complete your payment on the spot. 
  4. Log-in to your online banking account and perform a fund transfer to the account number provided in the payment instructions.
[block type="info" title="For your information"] Do note that every bank has its own set of instructions, read the instructions carefully, and make sure you pay the exact amount. [/block] Some banks will also require validation before they tag the transaction as complete. To do that, simply follow the steps indicated in the payment instruction.  The following banks will require payment validation:
  • BDO
  • BPI
  • Chinabank
  • EastWest Bank
  • UCPB

Over-the-counter deposit in bank branches

  1. When shopping with affiliate merchants, upon checkout, choose Dragonpay as your payment method. 
  2. You will be routed to Dragonpay's payment gateway, choose your preferred bank from the dropdown menu. 
  3. A new pop-up window showing your bank's name and the amount of your transaction will ask you to enter your email address where they can send the payment instructions for your chosen bank. 
  4. Go to a branch of your preferred bank and make a deposit payment to the account number indicated in the instructions sent to you via email. 
  5. Confirm your payment with Dragonpay via SMS or online. The details on how to do so are also provided in the same payment instruction sent to you via email.
Banks that accept over-the-counter payments 
  1. Asia United Bank (AUB)
  2. Banco de Oro (BDO)
  3. BDO Network Bank (formerly ONB)
  4. Bank of the Philippine Islands (BPI)
  5. Chinabank
  6. EastWest Bank
  7. Landbank
  8. Metrobank
  9. Philippine National Bank (PNB)
  10. Rizal Commercial Banking Corp (RCBC)
  11. Robinsons Bank
  12. Security Bank
  13. Unionbank
  14. United Coconut Planters Bank (UCPB)

ATM-based bank payments

  1. When shopping with affiliate merchants, upon checkout, choose Dragonpay as your payment method. 
  2. You will be routed to Dragonpay's payment gateway, choose your preferred bank from the dropdown menu. 
  3. A new pop-up window showing your bank's name and the amount of your transaction will ask you to enter your email address where they can send the payment instructions for your chosen bank. 
  4. Go to an ATM of your chosen bank and follow the instructions indicated in the payment instruction email sent to you.
  5. Confirm the payment via SMS or online by following the instructions provided in the email. Do note that different banks have different methods. 
Banks that accept ATM-based payments:
  1. Banco de Oro (BDO)
  2. Chinabank
  3. Philippine National Bank (PNB)
  4. Rizal Commercial Banking Corp (RCBC)
  5. Security Bank
  6. Unionbank
  7. United Coconut Planters Bank (UCPB)

Over-the-counter non-bank payments

For people who don’t have a bank account or those who don’t have immediate access to any banking facilities, it’s still possible to complete your online payment with Dragonpay, and you can do it via the following payment channels where you can do an over-the-counter payment for DragonPay. 
  1. Bayad Center
  2. Cebuana Lhuillier
  3. 7-Eleven (Optional)
  4. ECPay
    • Ever Superstores
    • Gaisano
    • NCCC
    • Via Express
    • ExpressPay
    • Selected Smart and Cignal Distributors
    • Selected Petron Gas Stations
    • Selected Tambunting Pawnshop
    • Selected Western Union Remittance Centers
    • and many more
  5. LBC
  6. M Lhuillier
  7. Palawan Pawnshop
  8. Robinsons Department Stores
  9. RD Pawnshop
  10. SM Payment Counters
    • SM Department Stores, SM Supermarket, SM Hypermarket, Savemore, and many more.
  11. Philippine National Bank (PNB) Remit
  12. CashU (International, Optional)

How to pay with Dragonpay in 7-11

One of the easiest and most accessible ways to pay for a purchase using Dragonpay without the need to go through a bank is via a 7-11 kiosk. It’s very convenient because you can pay almost anywhere where 7-11 is available, and you can do it anytime. 
  1. When shopping with affiliate merchants, upon checkout, choose Dragonpay as your payment method. 
  2. You will be routed to Dragonpay's payment gateway, choose your preferred payment method from the dropdown menu. 
  3. A new pop-up window showing your preferred payment merchant’s name and the amount of your transaction ask you to enter your email address where they can send the payment instructions. 
  4. Go to the Cliqq touch-screen payment kiosk at any 7-11 branch. 
  5. On the kiosk, select Bills Payment and it will display all of their affiliated billers including online merchants like Lazada, Metrodeal, etc. to name a few. 
  6. Look for the biller id assigned to the Dragonpay merchant you are purchasing from. The biller ID can be found in the payment instructions email to you if you’re paying for online purchases. 
  7. Select your biller from the list and enter your Dragonpay reference no and amount due. The kiosk will then print a slip.
  8. Go to the cashier and hand over your slip and your cash payment.
  9. Wait for Dragonpay’s confirmation email. 
[block type="info" title="For your information"] Payments done via 7-11 amounting to less than ₱3,500 or less will be processed in real-time; amounts greater than that will be processed the next day [/block]

How to claim Social Amelioration Program (SAP) funds via Dragonpay?

Due to Dragonpay’s vast availability and accessibility, the government partnered with them to easily disburse the second tranche of SAP funds to beneficiaries. The process is easy and straightforward. Here’s how you can do that: 1. Make sure you prepare your Social Amelioration Card (SAC), form, a valid ID, and the Dragonpay reference number from Dragonpay. [block type="tips" title=""] You can get your Dragonpay reference number through this website: https://dswd.dragonpay.ph/ [/block] 2. Go to any of Dragonpay’s partner remittance centers. [block type="info" title="Dragonpay remittance partners:"]
  • Mlhullier
  • Cebuanna Lhullier
  • Palawan Pawnshop
  • RD Pawnshop
[/block] 3. Provide your Dragonpay reference number or bar code together with your SAC and valid ID to the branch teller. 4. Once the teller finished verifying your information, they will release the funds to you on the spot and in cash. 

Fees for Dragonpay transactions

[table id=652 /]

Dragonpay cashout via Gcash 

If your a merchant who wants to receive payments from your customers online in your e-commerce platform powered by Shopify, Dragonpay is one of the easiest ways for you to do that. It’s also easier for your customers to pay you. Doing so will basically make you a Dragonpay affiliated merchant.  While Dragonpay can function as a payment processor for online merchants, it’s only limited to the e-commerce stores using Shopify for their storefront. If you want to set it up on your own e-commerce store, here’s how you can do that.  Register in Dragonpay to become an affiliated merchant. Fill up their form and then email it to [email protected]. You can read more about their merchant registration on their website.  After the registration you can proceed to the next steps:
  1. Go to this link and login using your Shopify store credentials. 
  2. The next page will ask you to install a Gcash checkout button. 
  3. You will then be redirected to your Shopify store’s payment setting. Under the “Alternative Payment Method” click the “Choose alternative payment” button. 
  4. “Gcash by Dragonpay” will now appear in one of the payment methods, so choose it (not the “Dragonpay” option, they’re two different payment methods). 
  5. You will then be routed to a new landing page which will ask for the MerchantID and Password provided to you by Dragonpay via email after you’ve sent them your application. 
  6. Set the “test mode” according to the Merchant Account that you have.
  7. Click the “Activate Gcash by Dragonpay” button at the bottom.

The post How To Use Dragonpay For Your Purchases And Bills Payment appeared first on iMoney.ph.



This post first appeared on IMoney: Finance And Savings Advice In Philippines, please read the originial post: here

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