Cebuana

Features
Method	Over the counter, Async - GET Redirect
Countries	Philippines
Processing currencies	PHP
Increments	-
Captures	-
Partial/Multiple partial captures	-
Cancels	-
Partial/Multiple partial cancels	-
Refunds	-
Partial/Multiple partial refunds	-
Recurring	-
Installments	-
Credits	-
Disputes	-
Min Amount	50.01
Account verification	-

It is a Philippine over the counter payment method that is initiated in an e-commerce environment but completed by paying in cash at a Cebuana locations.

An over the counter (OTC) payment is a payment method where consumers deposit money in-person at a retail location, such as any Cebuana branches, to pay for items purchased online.

When a consumer shops online using the Cebuana payment method, the merchant sends a payment to the PSP.

The consumer email or phone number provided in the request will trigger a notification to the consumer by email or phone with the Bayad Center reference.

The merchant redirects to the Cebuana page and shows the Cebuana reference. The consumer can now go back to the ReturnUrl.

Now the consumer can complete the purchase in-person at any Cebuana branch with cash using the Cebuana reference.

Payment flow

Required constraints

• Webhooks or polling mechanisms are mandatory as the payment is completed in a Cebuana store.

Payment

Request

{
    "processingAccountId": "2HdN2jq6XWmlkhqRC2gDTNYCvNH",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "amount": {
        "value": 200,
        "currency": "php"
    },
    "paymentMethod": {
        "type": "cebuana",
        "cebuana": {
            "returnUrl": "https://merchant.site/complete-payment",
            "consumer": {
                "email": "consumer@mail.com",
                "phoneNumber": "+63282491111"
            }
        }
    }
}

Response

{
    "id": "27yiW9MgzBtwiodreuNOXk0rtIw",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "status": "pending",
    "trackingUrl": "/v1/tracks/payments/{trackId}",
    "reason": {
        "code": "required_next_step",
        "description": "An additional step is needed to complete the payment."
    },
    "nextStep": {
        "type": "redirect",
        "redirect": {
            "method": "get",
            "url": "https://payment.method/complete"
        }
    }
}