> ## Documentation Index
> Fetch the complete documentation index at: https://docs.hitpayapp.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Over The Counter (Bayad, ECPay, Palawan, InstaPay)

> Popular OTC Payment Methods in Phillipines

## Overview

| Detail                                                                                   | Description                                       |
| ---------------------------------------------------------------------------------------- | ------------------------------------------------- |
| Fund Credit To                                                                           | HitPay Wallet                                     |
| <Tooltip tip="When the funds reach your Available Balance">Charge Confirmation</Tooltip> | T+1                                               |
| <Tooltip tip="Currency displayed to your customer">Presentment Currency</Tooltip>        | PHP                                               |
| <Tooltip tip="Currency that you get paid out in">Settlement Currency</Tooltip>           | PHP                                               |
| Minimum Amount                                                                           | PHP 1.00                                          |
| Maximum Amount                                                                           | -                                                 |
| Refund Supported                                                                         | ✕                                                 |
| Supported for online transactions                                                        | ✓                                                 |
| Supported for in-person transactions (Embedded QR Code)                                  | ✕                                                 |
| Supported Countries                                                                      | Phillipines                                       |
| Transactions Fees                                                                        | [See Pricing Page](https://hitpayapp.com/pricing) |

{/*
## User Experience

Watch this video to see how the PayNow payment experience looks:
<iframe
width="560"
height="315"
src="https://www.youtube.com/embed/YIjy_3h6CQo"
title="YouTube video player"
frameborder="0"
allow="accelerometer; clipboard-write; encrypted-media; gyroscope; picture-in-picture"
allowfullscreen
></iframe> -->
*/}

## Setup

To set up Over The Counter (Bayad, ECPay, Palawan, Instapay) as a payment method, follow these steps:

1. Navigate to **Settings** in your HitPay dashboard.
2. Click on **Payment Methods**.
3. Enable **Online Banking and OTC** and configure the necessary options.

<Frame>
  <img src="https://mintcdn.com/hitpay/lFdg5hl_mcwYRTEb/images/methods/paynow_settings.png?fit=max&auto=format&n=lFdg5hl_mcwYRTEb&q=85&s=ea8404e27ed1fe6cddc46ce1d059c142" width="1920" height="1280" data-path="images/methods/paynow_settings.png" />
</Frame>

## Developer Section

| Feature              | Description                                          |
| -------------------- | ---------------------------------------------------- |
| Method Code          | `upay_bayad` `upay_ecpy` `upay_plwn` `upay_instapay` |
| Sandbox Testing      | ✕                                                    |
| Refund API Support   | ✕                                                    |
| Supports Embedded QR | ✕                                                    |
| Drop-in UI Support   | ✕                                                    |

## FAQs

Coming soon. Please contact our support team if you have any questions - we are here to help.