Online Payments Reference

Last updated: 2026-07-09 Summary:

PayMongo is the only supported provider today; you connect your own merchant account.
Customers pay by card, GCash, GrabPay, or Maya on a hosted checkout reached from a public invoice link.
The amount collected is the EWT-net balance when the invoice is subject to withholding; processing fees post to your fee account.

Supported payment methods

Reached through PayMongo hosted checkout:

Method	Notes
Card	Credit / debit cards
GCash	E-wallet
GrabPay	E-wallet
Maya	E-wallet

PayMongo is the only supported provider. There is no multi-gateway, Stripe, or white-label option today; the customer page is branded “Powered by eKapital.”

Surfaces

Surface	Where	Who uses it
Merchant Settings	Payments → Merchant Settings	You — connect / test / disconnect PayMongo, set the fee account
Payouts & Settlement	Payments → Payouts	You — sync payouts, true up fees, record bank settlement
Public invoice page	`/public/invoice/{token}`	Your customer — view, download PDF, pay

Access is gated by permissions: payments:read for status and payout reads; payments:manage-methods for connect, disconnect, fee account, sync, and settle.

Invoice status flow

Status	Meaning for online payment
Draft / Void / Written-off	Not shareable — no pay link, page returns not-found
Sent / Viewed	Shareable and payable (once merchant enabled)
Partial / Overdue	Shareable and payable for the remaining balance
Paid	Link stays live as a receipt; Pay button hidden

A pay link can be minted for any shareable status. The Pay button additionally requires the merchant gateway to be connected and enabled.

Payout & settlement statuses

Field	Values
Payout status	Pending, In Transit, Paid, Failed
Bank settlement	Unsettled, Settled
Covered-payment fee status	Captured, Pending, Not Applicable

Fee & EWT-net math (high level)

Amount collected. For an invoice not subject to EWT, the customer pays the balance due. When the invoice is subject to expanded withholding tax, the checkout collects the EWT-net amount (balance minus the computed EWT).
On reconciliation the payment posts cash, the creditable-withholding-tax (CWT) receivable for the EWT portion, and clears the receivable. See How online payment reconciliation works.
Processing fee. When PayMongo reports the fee, it posts to your configured fee account (default Payment Processing Fees) and is marked Captured. When it isn’t reported yet, the payment still reconciles with the fee Pending and is trued up later from the Payouts page.
Clearing account. Reconciled cash lands in your configured deposit account, or Undeposited Funds if none is set, until the bank settlement is recorded.