Pay Bills
Pay your bills conveniently and securely to over 600 merchants.
Learn how
Quick guides

How to pay your bills

1. Login to BPI Online or BPI Mobile app
2. Select “Payments/Load” from the menu
3. Select “Pay Bills.”
4. Select the source account or the BPI Credit Card you want to pay from.
5. Fill in the details and select an enrolled biller
6. Confirm the details of your transaction. Click on “Confirm.”
7. Enter your Mobile Key or One-Time PIN (OTP) then select “Submit”
8. You're done!

Note: Your payment will be debited from your account in real-time. However, depending on the merchant’s policy, your payment will be reflected on the merchant’s record within 1 to 3 banking days from your transaction date. While all payments made using Pay Bills via BPI Credit Card will reflect within three (3) banking days after the transaction.

How to enroll billers

1. Log in to BPI Online or BPI Mobile app and go to “Other Services”.
2. Select “Manage Recipients”.
3. Click on “Add recipient”.
4. Select Biller as the type of recipient.
5. Confirm the details of your enrollment. Click on “Confirm”.
6. Enter the One-Time PIN (OTP) then select “Submit”.
7. You're done!

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Frequently asked questions

Who are the available billers for bills payment?

See the complete list of billers.

Will the enrollment of billers reflect in real-time?

​​​​​​​Yes, the enrollment of billers is in real-time.

What is the maximum number billers I can enroll?

​​​​​​​You can now enroll up to 99 billers to your account.

After enrolling a biller, will it be immediately available for payment?

​​​​​​​Yes, you can start making your payments as soon as you’ve enrolled a biller.

Can I delete an enrolled biller in real-time?

Yes, deletion of an enrolled biller can be done in real-time.

Can I pay my bills using my BPI Credit Card?


What are the qualified BPI Credit Cards that can be used as payment source?

You may use the following BPI credit card as payment source:

a. Amore Cashback Card
b. Amore Platinum Cashback Card
c. Blue Mastercard
d. Corporate Mastercard
e. eCredit Mastercard
f. Edge Mastercard
g. Gold Mastercard
h. Petron-BPI Mastercard
i. Platinum Rewards Mastercard
j. Visa Signature Card

Do I have to enroll my BPI Credit Card/s in the Pay Bills facility?

There is no need to enroll your BPI Credit Card/s anymore as long as it is already listed in My Accounts. It will automatically reflect as a source account option when you pay your bills.

My bill is due today. When should I pay for it using Pay Bills via BPI Credit Card?

You may still pay your bill due today. However, note that the payment will reflect within 3 banking days after the transaction. Applicable charges or penalties may apply based on the biller requirement on payments. Moving forward, you may manage your bills better by paying at least 3 days before the due date to avoid any late payment fees from the biller.

When does the payment transaction through Pay Bills via BPI Credit Card reflect on my credit card account?

All payments made using your BPI Credit Card will reflect within three (3) banking days after the transaction.

For reference, you will see BP_MERCHANT SHORT NAME_REFERENCE NUMBER on your transactions list. Sample: BP PLDT 025698401

How will I know if I have enough credit limit in my BPI Credit Card to pay for my bills?

Once you have selected BPI Credit Card as your bills payment source, your available credit limit will be displayed.

You may also see your available credit limit when you view your My Accounts list on BPI Online and the BPI Mobile app.

Will I earn Real Thrills Rewards Points when I use my points-earning card for Pay Bills via BPI Credit Card?

No, payments made using Pay Bills via BPI Credit Card will not earn Real Thrills Rewards Points nor Real Thrills Rewards Premium Points.

Will I earn cashback when I use my Amore Cashback or Amore Platinum Cashback card for Pay Bills via BPI Credit Card?

Yes. Payments amounting to Php 1,000 and above will earn cashback.

To illustrate: A Php 20,000 payment to Meralco using a BPI Amore Cashback or BPI Amore Platinum Cashback Credit Card will earn the following cashback, depending on the card used.

If I pay using my BPI Credit Card, will this transaction be part, included, or qualified in the promos of credit cards (ex. Shop anywhere promo)?

Yes, bills payment transactions using your BPI Credit Card are eligible for Shop Anywhere promo and other similar promos from BPI Cards, unless otherwise stated in the promo mechanics.

When will my account be debited for my scheduled bills payment?

5:00 AM (GMT+8) of the scheduled bills payment date.

However, should the scheduled bills payment date fall on weekends or regular holidays, debiting will occur at 5:00 AM of the next banking day. For special holidays, the debit may still take effect on the scheduled payment date.

Please ensure that your source account is properly funded otherwise the scheduled bills payment will be rejected by the system.

What is the cut-off time for scheduling a bills payment transaction?

Transactions have to be scheduled before 10:00 PM, one (1) banking day prior to the intended scheduled bills payment date.

Will I be able to edit or delete my scheduled bills payment transaction?

Yes, you may edit or cancel your scheduled bills payment transactions before 10:00 PM (GMT +8), one (1) day before your scheduled payment date.

Who can I contact for concerns regarding online bills payment?

For inquiries and comments, send us a message or call our 24-hour BPI Contact Center at ‎(+632) 889-10000.

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