BPI Bank of the Philippine Islands
BPI (Bank of the Philippine Islands) is one of the oldest and most established banks in the Philippines, offering a variety of payment services, including credit cards, bank transfers, and mobile banking.
BPI (Bank of the Philippine Islands) is one of the oldest and most established banks in the Philippines, offering a variety of payment services, including credit cards, bank transfers, and mobile banking. As a PSP, BPI provides secure payment solutions for businesses and consumers, both locally and internationally. It’s widely trusted for its reliable and secure transaction processing, helping businesses manage e-commerce payments and streamline financial operations in the Philippines.
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What BPI Bank of the Philippine Islands costs
Merchants do not pay BPI Bank of the Philippine Islands directly. Each payment provider that offers it sets its own rate, so compare a few and ask them to quote.
What you need to onboard
N/A
What the last check found
BPI is the Bank of the Philippine Islands, a universal bank in Makati City regulated by the Bangko Sentral ng Pilipinas; its own homepage marks "175 years" in 2026, implying an 1851 founding (Antom's page says 1943 — treat that as the gateway's error). As a payment method it is not a scheme but one bank's own rail: the buyer is redirected to BPI's login, passes a login OTP, confirms the order and passes a payment OTP. That is why it exists only for Philippine buyers in PHP and only ever appears inside an aggregator's method list — there is no direct merchant integration documented anywhere public.
Three gateways document it. Antom publishes a dedicated BPI page (online banking, redirect, PH buyers, PHP processing, merchant entities SG/HK/US/UK/EEA): no minimum, 50,000 PHP per-day maximum, full and partial refunds within 365 days, 14-minute timeout, and explicitly no chargebacks, no tokenisation and no subscriptions. Xendit splits it in two channels: BPI Direct Debit (0.01–500,000 PHP, instant settlement, refunds including multiple partials within 30 days, no merchant-initiated transactions) and BPI_RECURRING (1–100,000 PHP, tokenised MIT for subscriptions, T+1 settlement, no refunds at all). dLocal names BPI among the banks behind its Philippine Direct Debit/auto-debit product but publishes no limits or flow detail for it specifically. Xendit also lists PH_BPI as a payout destination over InstaPay/PESONet, so the name covers pay-out as well as pay-in.
Documentation is silent on settlement currency, merchant pricing and dispute process, and the per-transaction ceilings contradict each other across gateways — confirm them with whichever one you integrate. Adyen, Airwallex, Stripe, Checkout.com and Rapyd do not document BPI at all.
Checked against BPI Bank of the Philippine Islands’s own documentation on 20 October 2026. Coverage changes; confirm anything you are about to build on.
People at BPI Bank of the Philippine Islands
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Sources · 10
- Antom — BPI (Bank Transfers & Online Banking) · docs.antom.comUsed for Identity as online banking redirect rail; buyer country Philippines; PHP processing currency; no minimum and 50,000 PHP/day maximum; full and partial refunds within 365 days; chargebacks, tokenisation and subscriptions not supported; 14-minute timeout; merchant entity locations SG/HK/US/UK/EEA; OTP redirect user flow; the (disputed) 1943 founding claim.Checked 20 October 2026
- Antom — Payment methods catalogue · docs.antom.comUsed for BPI classified under Asia > Online banking with buyer country Philippines, processing currency PHP, merchant entity locations SG/US/UK/EEA/HK.Checked 20 October 2026
- Xendit — BPI Direct Debit · docs.xendit.coUsed for Philippines/PHP; online banking with redirect approval; 0.01–500,000 PHP limits; instant processing and settlement; refunds, partial refunds and multiple partial refunds within 30 days; merchant-initiated transactions not supported; 15-minute request expiry.Checked 20 October 2026
- Xendit — BPI Recurring · docs.xendit.coUsed for BPI_RECURRING channel code; Philippines/PHP only; tokenised recurring and merchant-initiated transactions supported; 1–100,000 PHP limits; T+1 settlement; refunds not supported on this channel.Checked 20 October 2026
- Xendit — Payouts coverage, Philippines · docs.xendit.coUsed for BPI as a payout destination bank channel PH_BPI in PHP, over the InstaPay (50,000 limit, ~15 min) and PESONet (same-day) rails.Checked 20 October 2026
- dLocal — Philippines · docs.dlocal.comUsed for dLocal lists BPI among the supported banks/wallets for its Philippine Direct Debit / Recurring Payments product (REDIRECT flow), with country PH and currency PHP; no BPI-specific limits published.Checked 20 October 2026
- Bank of the Philippine Islands — official site · bpi.com.phUsed for Operator identity and full name, Makati City corporate office, regulation by Bangko Sentral ng Pilipinas, and the 175-years statement used to date the bank to 1851.Checked 20 October 2026
- Adyen — Payment methods catalogue · docs.adyen.comUsed for Negative evidence: Adyen's catalogue does not list BPI or any Philippine online banking method (only GCash, GrabPay, PayPal and Alipay cover PH).Checked 20 October 2026
- Airwallex — Payment method matrix · airwallex.comUsed for Negative evidence: Airwallex lists Dragonpay and a generic 'Philippines Online Banking' for PH but never names BPI.Checked 20 October 2026
- Stripe — Payment method support · docs.stripe.comUsed for Negative evidence: no mention of BPI, the Philippines or PHP anywhere in Stripe's support matrix.Checked 20 October 2026
10 sources · last checked 21 October 2026 — each one says which claim it supports.
Compiled from public sources — verify with BPI Bank of the Philippine Islands before you sign anything. How we compile this · Suggest a correction ·