How to Pay via PayMongo: A Complete Guide for Filipino Businesses and Customers
Digital payments have revolutionized how Filipinos shop, sell, and do business. One platform at the center of this transformation is PayMongo — a trusted online payment gateway that allows businesses to accept payments quickly and securely. Whether you’re an entrepreneur managing an online store or a customer checking out from your favorite shop, learning how to pay via PayMongo is simple and empowering.
For MSMEs in the Philippines, adopting online payment systems like PayMongo is only the beginning. To truly streamline operations — from finance to e-commerce — integration is key. That’s why platforms like Bentamo Hub (BNTM HUB), developed by BNTM Technologies Inc. in Cagayan de Oro, exist: to connect payments, sales, and accounting into one powerful digital ecosystem.
What Is PayMongo?
PayMongo is a Philippine-based online payment gateway that enables businesses to accept various payment methods such as credit/debit cards, GCash, Maya, GrabPay, and bank transfers. It’s designed to make digital payments fast, simple, and secure — perfect for startups and MSMEs transitioning to online operations.
Businesses can integrate PayMongo directly into their websites, mobile apps, or share payment links via chat and email.
How to Pay via PayMongo: Step-by-Step Guide
If you’re wondering how to pay via PayMongo, here’s a quick guide from both the customer’s and business owner’s perspectives.
✅ For Customers:
- Choose PayMongo at Checkout
When buying from a website or online store that supports PayMongo, select “PayMongo” or the corresponding payment method (e.g., GCash, Card, Bank Transfer). - Select a Payment Option
PayMongo supports various payment channels:- Credit/Debit Card (Visa, Mastercard)
- GCash or Maya
- Bank transfer via Instapay
- GrabPay
- Enter Payment Details
Input the required information (e.g., card number or mobile number for GCash). - Confirm Payment
A confirmation screen or SMS will appear once your transaction is complete. Funds are automatically sent to the merchant’s account. - Receive Receipt or Confirmation
PayMongo generates an automatic confirmation email or receipt for your record.
✅ For Business Owners:
If you’re an MSME that wants to receive payments via PayMongo, here’s how to set it up:
- Create a PayMongo Account
Sign up at paymongo.com. Verification usually takes a few business days. - Integrate with Your Website or App
Use the PayMongo API or platform plugins (Shopify, WooCommerce, etc.) to connect your online store. - Send Payment Links (Optional)
If you don’t have a website, PayMongo lets you generate payment links to send directly to customers through Facebook, email, or SMS. - Start Accepting Payments
Once active, your customers can pay using any available digital method. - Track and Manage Transactions
Use PayMongo’s dashboard for transaction reports, settlements, and analytics.
Why Filipino MSMEs Should Integrate PayMongo with Bentamo Hub
While PayMongo helps MSMEs accept payments, many businesses still struggle to manage these transactions efficiently — especially when they operate across multiple sales channels. That’s where Bentamo Hub (BNTM HUB) becomes a game-changer.
💡 Here’s how Bentamo Hub elevates PayMongo usage:
1. Centralized Payment and Finance Integration
Every PayMongo transaction automatically updates the Finance Module inside Bentamo Hub. This means no more manual entry or mismatched records — everything syncs instantly.
2. Real-Time Sales and Inventory Updates
Bentamo’s E-Commerce and Inventory Modules connect directly with online sales. When customers pay via PayMongo, your stock levels and revenue reports update in real time.
3. Automated Accounting
Bentamo Hub consolidates all income and expense data, so MSMEs always have accurate financial summaries — ready for tax reports or business analysis.
4. Customer Insights and CRM Connection
Through the CRM Module, MSMEs can track customer purchase histories and loyalty trends, improving long-term relationships.
5. Affordable, Modular System
Unlike expensive enterprise systems, Bentamo Hub offers a modular pricing structure — you only pay for the features you need.
You can learn more about Bentamo Hub’s integrated solutions at BNTM Technologies Inc..
The Advantages of Paying via PayMongo
- Multiple Payment Options – Accepts cards, GCash, Maya, and bank transfers.
- Ease of Use – Simple checkout experience for customers and merchants.
- Security – Compliant with PCI-DSS standards for safe transactions.
- Instant Payment Links – Ideal for small businesses without websites.
- Real-Time Confirmation – Both merchants and buyers receive instant updates.
When paired with Bentamo Hub, these benefits expand to full financial visibility, automated accounting, and operational synchronization — a perfect combination for MSME efficiency.
Real Example: How a Local Business Uses PayMongo with Bentamo Hub
Let’s say Ana owns a small online flower shop in Cebu. She uses PayMongo to accept GCash and card payments from customers.
With Bentamo Hub, every PayMongo transaction is automatically recorded in her Finance Module, while the Inventory Module adjusts flower stock in real time. Ana doesn’t need to manually record anything — the system does it for her.
By integrating payments, finance, and operations, she saves hours of manual work and avoids accounting errors.
Common Issues When Paying via PayMongo
| Problem | Cause | Solution |
|---|---|---|
| Payment not reflected | Bank processing delay | Wait 24–48 hours; check transaction status. |
| Payment declined | Incorrect card or wallet details | Double-check entered information. |
| Merchant not verified | Pending business approval | Complete verification via PayMongo dashboard. |
| Manual record errors | Separate tools for tracking | Use Bentamo Hub to sync payments automatically. |
FAQs on How to Pay via PayMongo
1. How do I make a payment using PayMongo?
Select PayMongo at checkout, choose your preferred method (GCash, card, or bank transfer), and confirm the transaction.
2. Can small businesses use PayMongo?
Yes. PayMongo is built for startups and MSMEs. It’s easy to set up and integrate with your website or social media store.
3. How does Bentamo Hub connect with PayMongo?
Bentamo Hub syncs all PayMongo transactions with finance, sales, and inventory modules in real time.
4. Is PayMongo safe?
Absolutely. PayMongo uses encryption and PCI-DSS certification for data security.
5. How can I integrate PayMongo with my MSME system?
You can contact Bentamo Hub or sign up through their partner shortlist form to begin integration support.
The Future of Digital Payments for MSMEs
As the Philippines moves toward a cashless economy, businesses that adopt digital tools like PayMongo will thrive. Yet the real transformation happens when payments are connected with business management systems.
Bentamo Hub empowers Filipino MSMEs to take that next step — unifying online payments, accounting, inventory, and customer management into one digital hub.
Ready to modernize your MSME?
Simplify your operations and integrate PayMongo payments today with Bentamo Hub.