You want to offer BillEase at checkout. Getting there requires the right documents, a merchant agreement, and one of two integration paths. This guide covers what Philippine sellers need to become a BillEase merchant partner — from registration through go-live.
What Is the BillEase Merchant Program and How Does It Work?
BillEase is a Philippine SEC-regulated buy now, pay later platform that extends consumer credit up to ₱40,000, repayable over 30 days to 12 months. Merchant partners receive settlement from BillEase — you carry no credit or chargeback risk. Per billease.ph, the platform settles daily via automated bank transfer for direct merchant partners.
BillEase is operated by First Digital Finance Corporation (FDFC), a licensed consumer finance company registered with the Philippines SEC. The platform has been active since 2017 and serves merchants across online stores, Lazada, and physical retail via QR-based acceptance.
As a BillEase merchant partner, the transaction flow works as follows: your customer selects BillEase at checkout, gets redirected to the BillEase app to confirm the transaction and select an installment plan, then returns to your store with payment confirmed. BillEase handles the consumer credit decision and repayment collection. You receive the order value minus the merchant discount rate (MDR) on the agreed settlement schedule.
The consumer side is built for Filipinos without credit cards. Buyers apply using one valid government ID, proof of income, and proof of billing. Per billease.ph, 70% of applicants are approved on the spot. Active users access a revolving credit limit of up to ₱40,000.
There are two paths to accepting BillEase as a merchant:
Through Xendit: BillEase appears as a payment method inside Xendit Philippines. If you already use Xendit as your gateway, you can enable BillEase in your Xendit merchant dashboard without a separate BillEase merchant account. Xendit charges 1.5% per BillEase transaction, per their published pricing.
Direct merchant integration: For stores that do not use Xendit, or those wanting BillEase as a standalone checkout option, you apply directly to BillEase. The MDR is negotiated rather than published, and requires signing a merchant agreement.
Both paths deliver the same consumer-facing experience. The choice depends on your current gateway setup and whether you need direct settlement terms from BillEase.
What Documents and Steps Are Required to Register as a BillEase Merchant?
BillEase merchant registration follows three steps: submit required business documents to [email protected], sign the merchant agreement, then request sandbox access before going live. Required documents vary by entity type — corporations submit SEC registration papers plus annual financial statements; sole proprietors submit DTI registration plus bank statements. Per docs.billease.ph, agreement terms are strictly confidential.
Registration is handled entirely through email. Send your application to [email protected] with the subject line Merchant Registration.
Step 1: Submit your business documents
Document requirements depend on your business structure.
For corporations and one-person corporations (OPC):
- SEC Certificate of Incorporation or Registration
- Latest General Information Sheet (GIS)
- Latest Annual Financial Statement (AFS)
- Business Permit or Mayor’s Permit
- BIR Certificate of Registration (BIR Form 2303)
- Valid ID of the authorized signatory
- Secretary’s Certificate naming the authorized signatory
For sole proprietorships and partnerships:
- DTI Certificate of Business Name Registration
- Business Permit or Mayor’s Permit
- BIR Certificate of Registration (BIR Form 2303)
- Latest Annual Financial Statement (AFS)
- Bank statements covering at least three months of transactions
- Valid ID of the authorized signatory
Step 2: Sign the merchant agreement
BillEase provides the merchant agreement after reviewing your documents. The agreement covers the terms of service, operating conditions, and the merchant schedule — which specifies your MDR and settlement terms. Per docs.billease.ph, the agreement terms are strictly confidential. You will not know your direct integration MDR until BillEase sends the agreement.
Step 3: Request sandbox access
Before going live, send a sandbox request to [email protected] with the subject Merchant Staging Account for [Your Store Name]. Include your full name, designation, email, and mobile number. Sandbox access lets you test the complete payment flow — redirect, confirmation, and callback handling — before your integration goes live.
If you integrate through Xendit, you skip this entire process. BillEase is already available in your Xendit dashboard.
What Fees and Settlement Terms Can BillEase Merchants Expect?
Merchants on the Xendit path pay 1.5% per BillEase transaction, per Xendit’s published pricing. Direct BillEase merchant MDR is not publicly listed — it is negotiated in the merchant agreement. BillEase’s direct merchant settlement model runs daily via automated bank transfer, per billease.ph.
Here is the full cost picture by integration path:
| Order Value | MDR (Xendit Path) | Merchant Fee (₱) | Settlement |
|---|---|---|---|
| ₱1,000 | 1.5% | ₱15.00 | Xendit settlement schedule |
| ₱3,000 | 1.5% | ₱45.00 | Xendit settlement schedule |
| ₱5,000 | 1.5% | ₱75.00 | Xendit settlement schedule |
| ₱10,000 | 1.5% | ₱150.00 | Xendit settlement schedule |
Xendit rate per Xendit’s published pricing page, verified May 2026. Direct integration MDR not published — negotiated per merchant agreement. Budget 3–6% based on Philippine BNPL market norms as a planning estimate only.
Consumer interest: Consumers pay 3.49% monthly on standard BillEase plans, per billease.ph (verified May 2026). On select merchant partner campaigns, BillEase advertises 0% APR to consumers — the merchant absorbs the financing cost through the negotiated MDR rather than charging consumer interest.
Settlement by integration path:
- Xendit path: Settlement follows Xendit’s standard merchant schedule, reconciled inside your Xendit dashboard. BillEase is one payment method inside the Xendit flow.
- Direct path: BillEase settles direct merchant partners daily via automated bank transfer, per billease.ph. The exact T+X timing — whether that is same banking day, T+1, or otherwise — must be confirmed in the merchant agreement before signing.
What to confirm in the merchant agreement before you sign:
- Your actual MDR for your product category
- Settlement timing — the specific T+X banking day definition
- Chargeback or dispute fee structure
- Terms and eligibility for 0% consumer interest campaigns
Merchant fees are only part of the BillEase decision. For the full conversion-impact analysis — including the break-even calculation and when BillEase beats Atome — see the BillEase merchant review for Philippine sellers.
What Are the Pros and Cons of the BillEase Merchant Program?
BillEase’s main merchant advantage is access to unbanked Philippine consumers with no chargeback risk and daily settlement for direct partners. The main limitation is the opaque direct MDR — you cannot benchmark cost without starting the application process — and the consumer flow requires an active BillEase account at checkout.
Pros
- No chargeback or fraud risk. BillEase takes all risk from costly chargebacks to fraud, per billease.ph. You receive settlement from BillEase regardless of what the consumer does after. This is the structural difference from card payments: you are not liable for reversals or defaults.
- Reaches consumers without credit cards. A significant share of Philippine consumers outside Metro Manila cannot access card-based installments. BillEase targets salaried workers, freelancers, and young professionals who rely on apps over cards. Sellers in electronics, mobile phones, home appliances, and fashion gain access to buyers that card installments miss.
- Daily settlement for direct merchant partners. Per billease.ph, BillEase settles direct partners daily via automated bank transfer. For cash flow planning, daily settlement improves predictability compared to gateways with weekly or bi-monthly cycles.
- 0% consumer interest campaigns. Qualifying partner merchants can advertise 0% installments to consumers. “0% installment” is a high-impact purchase trigger in the Philippine market — it lowers the effective barrier without the merchant cutting the product price.
- Xendit integration requires no extra merchant account. For Xendit users, BillEase is already in the gateway dashboard at 1.5% MDR. Enabling it is a dashboard toggle, not a multi-week registration.
- SEC-regulated counterparty. BillEase operates as a licensed financing company under the Securities and Exchange Commission Philippines, providing defined regulatory oversight and consumer protections.
Cons
- Direct MDR requires a sales process to discover. Unlike payment gateways with published rate cards, direct BillEase integration requires completing part of the registration before you can evaluate cost. You cannot run a full cost-benefit analysis without an MDR quote in hand.
- Consumer must have an active BillEase account. First-time BillEase applicants at your checkout need to download the app, submit documents, and wait for approval before using BillEase on your store — typically not in the same session. This limits impulse conversion compared to BNPL options embedded directly in the gateway.
- Settlement timing for direct integration requires confirmation. “Daily bank transfer” is the headline. The actual T+X timing, banking day definitions, and conditions must be confirmed in the merchant agreement before you can plan cash flow accurately.
- 0% campaigns require BillEase approval. Not every merchant account automatically qualifies. Advertising 0% installment without BillEase approval is a compliance risk and may carry a higher MDR to compensate for the financing cost.
What Are the Best Alternatives to BillEase for Philippine Merchants?
The main BillEase alternatives for Philippine ecommerce merchants are Atome and Akulaku for standalone BNPL integrations, and SPayLater for Shopee marketplace sellers. Atome uses the Mastercard network for broader platform reach; Akulaku targets similar unbanked demographics with Southeast Asian coverage; SPayLater is Shopee-exclusive but requires no additional integration.
Atome Philippines
Atome splits purchases into three equal payments over 30 days at 0% consumer interest. Per atome.ph, consumers access credit limits up to ₱200,000 through the Atome app, with transactions processed over the Mastercard network.
Where Atome fits better: lower-ticket items (₱500–₱3,000), buyers who prefer a 3-payment split, and Shopify or WooCommerce stores where Atome’s plugin is available without Xendit.
Where BillEase fits better: 6–12 month installment terms for higher-ticket items and the unbanked segment who cannot link a Mastercard to Atome.
Akulaku Philippines
Akulaku is a Southeast Asian BNPL and digital lending platform with a Philippines presence. Like BillEase, it targets unbanked-to-underbanked consumers through an app-based credit limit. Akulaku has plugins for Shopify and WooCommerce that provide a lighter setup path than BillEase’s direct API for non-Xendit stores.
If you are choosing between direct BillEase and Akulaku: evaluate the MDR quote you receive from each, the consumer-facing approval experience in your product category, and which provider has stronger existing user uptake among your target buyers.
SPayLater (Shopee BNPL)
SPayLater is Shopee’s embedded installment option, available only to Shopee Philippines marketplace sellers. It requires no additional merchant setup — the financing cost is folded into your standard Shopee seller fees. For Shopee sellers, it is the lowest-friction BNPL starting point before evaluating external providers like BillEase or Atome.
SPayLater is Shopee-exclusive and not available for Shopify or WooCommerce stores.
Is the BillEase Merchant Program Right for Your Business?
BillEase merchant registration makes the most sense for Philippine sellers already on Xendit, with average order values of ₱1,500 or higher, targeting salaried buyers without credit card access. The Xendit path at 1.5% MDR is the lowest-friction starting point. Direct registration suits stores that want standalone BillEase at checkout and are prepared to negotiate terms.
Register as a BillEase merchant partner if:
- You use Xendit Philippines — BillEase is already in your gateway dashboard, ready to activate at 1.5% MDR
- Your average order value is ₱1,500 or higher and you see checkout abandonment at the payment step
- Your target buyer is salaried, 25–40 years old, and without credit card access — BillEase’s core consumer segment
- You want to offer 6–12 month installment terms for higher-ticket products where Atome’s 3-payment model falls short
- You sell consumer electronics, mobile phones, appliances, or fashion in the ₱2,000–₱15,000 range
Skip or deprioritize if:
- Your customers primarily pay with credit cards — card-based installment plans through their issuing bank will outcompete BillEase on familiarity
- You are on Shopify or WooCommerce without Xendit and are not prepared for direct API integration — evaluate Atome’s plugin path first
- Your average order value is below ₱500 — BNPL friction and the consumer approval step do not justify the setup at very low order values
- You need a confirmed MDR before starting the process — BillEase’s direct path does not disclose rates until the merchant agreement stage
For a full evaluation of whether BillEase’s conversion lift justifies the MDR — including the break-even calculation and Atome comparison — see the BillEase merchant review for Philippine sellers. To see how BillEase fits into your full Philippine checkout stack alongside GCash, Maya, and card gateways, see the best payment gateways for Philippine ecommerce.
Frequently Asked Questions
How long does BillEase merchant registration take?
BillEase does not publish a fixed registration timeline. After submitting documents to [email protected], registration continues through agreement signing and sandbox testing before going live. Per docs.billease.ph, plan for at least several banking days from submission to sandbox access.
What is the BillEase merchant discount rate?
Merchants accepting BillEase through Xendit pay 1.5% per transaction, per Xendit’s published pricing page (verified May 2026). Direct BillEase integration MDR is not publicly listed — it is negotiated in the merchant agreement provided after document review. Use 3–6% as a working planning estimate for direct BNPL MDR based on Philippine market norms; confirm the actual rate before signing anything.
Does BillEase work with Shopify or WooCommerce?
Yes, through Xendit Philippines. Xendit has plugins for both Shopify and WooCommerce, and BillEase is available as a payment method within Xendit’s checkout. Shopify and WooCommerce merchants activate BillEase inside their Xendit dashboard — no separate BillEase merchant account required. Direct BillEase integration on Shopify or WooCommerce without Xendit requires custom API development and the full registration process.
Can merchants offer 0% installment through BillEase?
Yes, on select partner campaigns. Per billease.ph, BillEase offers 0% APR at qualifying merchant partners, where the merchant absorbs the consumer financing cost through the negotiated MDR rather than charging consumer interest. Qualifying as a select partner and advertising 0% installment requires direct approval from BillEase’s merchant team — it is not automatically available on all merchant accounts.
How does BillEase merchant settlement work?
Settlement depends on your integration path. Merchants using BillEase through Xendit follow Xendit’s standard settlement schedule. Direct BillEase merchant partners receive daily settlement via automated bank transfer, per billease.ph. Confirm the exact T+X timing in your merchant agreement before signing.