specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: PayMongo
providerId: paymongo
created: '2026-07-17'
modified: '2026-07-17'
reconciled: true
tags:
- Payments
- FinTech
- Philippines
- E-Wallet
- Card Payments
- Plans
description: >-
  PayMongo has no monthly subscription, setup, or maintenance fee for standard
  accounts - it charges per successful transaction, with fees varying by payment
  method. Rates below are the published Philippine-peso rates as of 2026-06-17
  and are VAT-related per PayMongo's pricing page (verify current values before
  relying on them). Payouts/disbursements via InstaPay or PESONet carry a small
  fixed peso fee. Premium support and Instant Settlement are optional add-ons
  priced as a percentage of volume.
notes: >-
  Per-method rates change; confirm against https://www.paymongo.com/pricing and
  https://docs.paymongo.com/docs/fees-and-rates at reconciliation. Amounts in
  the API are integers in centavos (1 PHP = 100).
sources:
- https://www.paymongo.com/pricing
- https://docs.paymongo.com/docs/fees-and-rates
plans:
- id: paymongo-pay-as-you-go
  name: Pay-as-you-go (per-transaction)
  type: usage
  description: >-
    No monthly or setup fee; a per-successful-transaction fee is deducted per
    payment method. This is the standard PayMongo pricing for all merchants.
  entries:
  - label: Credit/Debit Cards (Domestic Visa/Mastercard)
    name: card_domestic
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: PH
    unit: 1
    price: 3.125% + PHP 13.39 per transaction
    userMultiplied: false
  - label: Credit/Debit Cards (International)
    name: card_international
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: global
    unit: 1
    price: 4.02% + PHP 13.39 per transaction
    userMultiplied: false
  - label: GCash (e-wallet)
    name: gcash
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: PH
    unit: 1
    price: 2.23% per transaction
    userMultiplied: false
  - label: Maya / PayMaya (e-wallet)
    name: paymaya
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: PH
    unit: 1
    price: 1.79% per transaction
    userMultiplied: false
  - label: GrabPay (e-wallet)
    name: grab_pay
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: PH
    unit: 1
    price: 1.96% per transaction
    userMultiplied: false
  - label: ShopeePay (e-wallet)
    name: shopeepay
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: PH
    unit: 1
    price: 1.70% per transaction
    userMultiplied: false
  - label: QR Ph (in-store and online)
    name: qrph
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: PH
    unit: 1
    price: 1.34% per transaction
    userMultiplied: false
  - label: BillEase (buy now, pay later)
    name: billease
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: PH
    unit: 1
    price: 1.34% per transaction
    userMultiplied: false
  - label: Direct Online Banking (BPI, UnionBank via Brankas)
    name: dob
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: PH
    unit: 1
    price: 0.71% or PHP 13.39 per transaction
    userMultiplied: false
  elements:
  - name: Payment Intents
  - name: Payment Methods
  - name: Checkout Sessions
  - name: Payment Links
  - name: QR Ph
  - name: Refunds
  - name: Subscriptions
- id: paymongo-payouts
  name: Payouts & Disbursements
  type: usage
  description: >-
    Moving funds out of a PayMongo Wallet to a bank or e-wallet via InstaPay or
    PESONet.
  entries:
  - label: Payout / Transfer (InstaPay or PESONet)
    name: payout
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: PH
    unit: 1
    price: PHP 10 per transaction
    userMultiplied: false
  elements:
  - name: Wallets
  - name: Transfers
  - name: Batch Transfers
  - name: Payouts
- id: paymongo-add-ons
  name: Optional Add-ons
  type: usage
  description: >-
    Optional services layered on standard pricing - premium support tiers and
    Instant Settlement for faster access to funds.
  entries:
  - label: Premium Support
    name: premium_support
    type: usage
    metric: volume
    limit: -1
    timeFrame: month
    geo: PH
    unit: 1
    price: 0.3%-0.5% of monthly transaction volume
    userMultiplied: false
  - label: Instant Settlement
    name: instant_settlement
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: PH
    unit: 1
    price: up to 2%-3% depending on method
    userMultiplied: false
  elements:
  - name: Priority Support
  - name: Instant Settlement
- id: paymongo-enterprise
  name: Enterprise / Custom
  type: enterprise
  description: >-
    Negotiated rates and platform capabilities (child merchants, Ledgers-aaS,
    Workflows-aaS, Capital) for platforms and higher-volume businesses. Contact
    PayMongo sales.
  entries:
  - label: Custom Agreement
    name: enterprise
    type: flat
    metric: contract
    limit: -1
    timeFrame: year
    geo: PH
    unit: 1
    price: contact sales
    userMultiplied: false
  elements:
  - name: Custom Volume Pricing
  - name: Platforms / Child Merchants
  - name: Capital
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com