Dragonpay is an alternative payment gateway in the Philippines that enables users to make secure payments without the need for a credit or debit card. Instead of entering card details online, you can pay through various convenient channels such as:
This flexibility caters to people who do not have bank cards or prefer paying in cash or through their bank branches, making Dragonpay a widely accessible payment solution.
This service is also beneficial for merchants who want to integrate multiple payment options easily. With a single API, Dragonpay lets businesses connect to numerous payment channels quickly, speeding up time-to-market and helping them reach more customers.
Dragonpay is a pioneer in alternative payments in the Philippines, having served the market for over 10 years. It supports tens of thousands of merchants and processes millions of transactions monthly through a variety of payment channels. The platform is renowned for its reliability, convenience, and security.
| Client | Dragonpay | Bank / E-wallet | Merchant |
|---|---|---|---|
| Initiates payment | Processes and routes payment | Receives and confirms | Receives payment and updates |
| Provides payment method | Ensures secure transaction | Transfers money | order status |
| Channel | Bank Account Needed | Where to Pay | Estimated Fee |
|---|---|---|---|
| Online Banking | Yes | Bank website or app | Low (usually 0-2%) |
| E-wallets (GCash, Coins.ph) | Typically no | Mobile app | Low to moderate |
| Over-the-Counter (7-Eleven, Bayad) | No | Physical stores/pay centers | Fixed fee (~₱15-₱30) |
Dragonpay offers a simple, secure, and flexible payment environment that suits both users without bank cards and merchants seeking easy integration of multiple payment options. It has become an essential payment solution in the Philippine digital economy.
Dragonpay offers flexible and secure payment options to make settling your bills or online purchases easy, whether you prefer digital or cash payments. Here’s a breakdown of the main channels and what you need to know:
Dragonpay supports a wide list of major Philippine banks including BPI, BDO, Metrobank, PNB, RCBC, UnionBank, Security Bank, Landbank, and many more — basically any bank with InstaPay support. To pay via online banking, users need an activated internet banking account, an OTP for verification, and enough funds in their account. After selecting their bank during checkout, they log in and confirm payment securely.
Popular e-wallets like GCash, Maya, ShopeePay, Coins.ph, GrabPay, WeChat Pay, Alipay, and others are supported. GCash is especially prominent and widely used for Dragonpay payments. Paying via e-wallet is fast, convenient, and secure, requiring you to log in to your wallet app and confirm the transaction.
For those who prefer cash payments, Dragonpay provides a reference number after checkout. The client visits a bank branch or ATM and pays in cash or through the ATM, using the Dragonpay reference as the payment account. This is ideal for users who want to avoid online transactions or don’t have banking apps.
Dragonpay payments can also be made at partner payment centers and retail stores, including Bayad Center, Cebuana Lhuillier, M. Lhuillier, 7-Eleven, ECPay partners like Ever, Gaisano, NCCC, and others. These are convenient options for cash payments in physical locations.
Dragonpay integrates with installment and BNPL services such as TendoPay, Billease, and Cashalo. These allow customers to split their large purchases into smaller, manageable payments over time, increasing affordability.
| Category | Payment Methods |
|---|---|
| Online Banking | AUB, BDO, Bank of Commerce, BPI, Chinabank, EastWest Bank, Landbank, Maybank, Metrobank, PNB, Regional Banks, RCBC, Robinsons Bank, Security Bank, Unionbank, UCPB, Other banks with Instapay capability |
| Over-the-Counter | Asia United Bank, Banco de Oro, BDO Network Bank, Bank of the Philippine Islands, Chinabank, EastWest Bank, Landbank, Metrobank, PNB, RCBC, Robinsons Bank, Security Bank, Unionbank, UCPB |
| Via ATMs) | Banco de Oro, PNB, RCBC, Security Bank, UCPB |
| Via Payment Centers | 7-Eleven, Bayad Center, Cebuana Lhuillier, CVM Pawnshop, ECPay, Ever Superstores, Gaisano, NCCC, Via Express, ExpressPay, Selected Smart & Cignal distributors, selected Petron gas stations, M Lhuillier, Palawan Pawnshop, Perahub, etc. |
| E-Wallets | Dragonpay Credits, AliPay, Coins.ph, GrabPay, Paypal, GCash, Maya, Moneygment, RCBC Diskartech, ShopeePay, WeChatPay |
| Credit Cards | Xendit, Globalpayments/BPI, 2C2P/Metrobank |
| Installments | Billease, Cashalo, Tendopay |
| Cryptocurrencies | Bitcoin (BTC), Ethereum (ETH), Tether (USDT) |
Many users ask: how much does Dragonpay charge, why was I charged more than expected, and what are Dragonpay's fees? Here’s a clear explanation.
Dragonpay charges transaction fees depending on the payment channel used:
| Payment Channel | Examples | Approximate Dragonpay Fee | Additional Notes |
|---|---|---|---|
| Online Banking | BPI, BDO, UnionBank, RCBC | PHP 10 | Fixed fee, lowest among channels |
| OTC Banking | BDO, Metrobank branches | PHP 15 | Slightly higher fee, cash payments |
| Payment Centers / Retail | Bayad Center, 7-Eleven | PHP 20 | Highest fixed fee among common channels |
| Shopify/Third-Party Integrations | Shopify, other platforms | +0.5% on top of base fees | Extra fee for platform integrations |
Note: All fees include VAT. Exact fees depend on the merchant and payment method used.
Some fees may be passed on to the customer, while others are absorbed or split with the merchant. The actual amount paid can vary depending on the merchant’s policies. Additionally, merchants like Shopee, schools, or loan services might charge extra "convenience fees" for using certain payment channels, which are separate from Dragonpay’s own fees.
If your receipt shows an amount higher than your original payment, it could be because:
Many users wonder, is Dragonpay safe? Is it safe to pay via Dragonpay? The answer is yes. Dragonpay employs industry-standard security measures to ensure your transactions are protected.
Some users report on forums delays in payment confirmation or situations where money was debited but the merchant did not immediately see the payment. This happens because the transaction process involves multiple steps and systems - client to Dragonpay, Dragonpay to bank or e-wallet, and then to merchant - which can cause temporary delays or mismatches. These are usually resolved within hours as the systems update.
To safely pay using Dragonpay, follow this checklist:
Many users encounter issues such as payments being deducted but not reflected with the merchant, canceled payments still showing as pending, or refunds after order cancellations. Understanding how to handle these common situations is key for a smooth resolution.
| Situation | What to Do |
|---|---|
| Money was debited but no confirmation email from Dragonpay | Check your transaction status at your bank or wallet; wait 24 hours and contact Dragonpay support with proof. |
| Received email confirmation but merchant claims no payment | Provide merchant your reference number; also notify Dragonpay support for transaction verification; keep all communication records. |
| Payment shows as “pending” or stuck for extended time | Contact Dragonpay support immediately with full details; the delay might be due to processing at bank or merchant’s end. |
Refunds depend on multiple factors such as bank processing times and merchant policies. Typically, funds are returned within 3 to 7 business days, but in some cases, especially with international banks or offline payment centers, it may take up to 14 business days or more. Always keep your payment reference details handy to speed up inquiries.
If you have questions, issues, or need assistance with your Dragonpay transactions, several support channels are available for you to get help quickly.
Monday to Friday: 8:00 AM to 6:00 PM
Saturday and Sunday: 9:00 AM to 5:00 PM
To get prompt assistance, make sure to include the following in your message:
Many online loans, Buy Now Pay Later (BNPL) services, and educational institutions use Dragonpay as their payment and repayment platform. Popular BNPL providers like TendoPay, Billease, Cashalo, as well as universities and schools, rely on Dragonpay for secure, convenient transactions.
Dragonpay streamlines loan repayments and school fee payments by providing versatile payment options across trusted channels, ensuring ease and security for Filipino users.
Dragonpay has decided to discontinue its DP Wallet App, which served as its e-wallet service. This decision comes as they prepare to release an updated and improved app called DP Credits by the fourth quarter of 2025.
The new app is expected to offer enhanced features and a better user experience, building on Dragonpay’s mission to provide secure and convenient payment solutions for Filipino users.
If you have a balance remaining in the DP Wallet App, make sure to follow Dragonpay’s refund instructions to claim your funds before the shutdown deadline.
Dragonpay is an alternative payment gateway in the Philippines that allows people to pay online without using credit or debit cards. It’s ideal for users who don’t have bank cards or prefer paying via online banking, e-wallets, or payment centers. Merchants benefit from easy integration of multiple payment channels through one platform.
Yes. Dragonpay supports cash payments through over-the-counter payment centers and e-wallets like GCash, making it possible to pay even without a traditional bank account or card.
You select Dragonpay as your payment method, then choose your preferred channel - GCash, Maya, online bank, or retail outlets like 7-Eleven. Follow the instructions provided, authorize the payment, and keep your reference number for confirmation.
Payments usually process within minutes to a few hours, depending on the channel. Occasionally, payments may be delayed or appear pending due to system updates. Check your bank or wallet transaction history and contact support if the status doesn’t update after 24 hours.
If you request a refund, contact Dragonpay support with your reference number and proof of payment. Refunds typically take 3-7 business days but can vary depending on the bank or merchant involved.
The reference number is sent via email or SMS after initiating a payment. If lost, check your transaction history or contact the merchant or Dragonpay support for assistance.
Yes. Dragonpay uses SSL encryption and does not store your bank login information. It acts as a secure payment gateway, not a wallet, ensuring your financial data stays protected.
Dragonpay acts as an intermediary that provides multiple payment options in one platform, including offline payments. Direct payments require using each channel individually, while Dragonpay simplifies the process within one checkout flow.
Date of publication: 21.11.2025
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from 7 days to 6 months
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from 3 to 6 months
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