Yes, luv! Right now we're on BETA, but the feature is available with selected billers. We are partnered with CIS Bayad Center Inc., a pioneer and leader in the Outsourced Payment Industry. They help us provide you with a wide range of billers to help you settle your payments right in your Tonik App! XOXO

It's super easy, luv! Here's how to get started with a new Bill:

1. Select 'Pay' on your Tonik App Dashboard > click 'Start a Bill.'
2. Select from our biller list or type your biller's name in the search box.
3. Name your biller then enter your biller's reference number and select your due date. Here's a hint: Toggle on ''Remind me to pay in 3 days'' to get reminded 3 days prior to your next payment!
4. Enter the amount to be paid and click 'Pay Now.'
5. Check all the details, luv! If all good, click 'Confirm.'
6. Enter the OTP you will receive at your Tonik-registered number, and voila! You should be directed to the processing page.

Here's how to get started with a saved bill:

1. Select 'Pay' on your Tonik App Dashboard > click 'Start a Bill.'
2. Select your saved bill and click 'Pay.'
3. Make sure to check all the details, luv! If all good, click 'Confirm.'
4. Enter your OTP and voila! You should be directed to the processing page to confirm your payment.

Please expect payment posting within 48 hours. An email will be sent to your Tonik-registered email address once complete. XOXO

Hi there, luv! Here's a list of the billers we have available so far!

• Visayan Electric Company (VECO)
• Manila Water Company Inc.
• Maynilad Water Services Inc.
• Converge ICT
• Philippine Long Distance Inc. (PLDT)
• Smart
• Easytrip Services Corporation
• Manila Electric Company (MERALCO)
• Pag-IBIG
• Metrobank Credit Card
• RCBC Bankard
• Bank of the Philippine Islands (BPI) Credit Card

Stay tuned to our social media pages for updates and announcements of additional billers coming in! XOXO

Hi there, luv! Below is the list of billers with a convenience fee and their corresponding fees:

• Converge ICT - Php 12
• Philippine Long Distance Inc. (PLDT) - Php 7
• Smart - Php 7
• Easytrip - Php 15
• Pag-IBIG - Php 7
• VECO - Php 4

To check our latest fees and charges, you may visit the link below. XOXO

https://tonikbank.com/fees-and-charges

Yes, luv! You can save your bill reference. Here’s how:

1. Select 'Pay' on your Tonik App Dashboard > click 'Start a Bill.'
2. Select from our biller list or type your biller's name in the search box.
3. Name your biller then enter your biller's reference number and select your due date.

Here's a hint: Toggle on 'Remind me to pay in 3 days' to get reminded 3 days prior to your next payment!

XOXO

Yes, luv! You can save your bill reference. Here’s how:

1. Select 'Pay' on your Tonik App Dashboard > click 'Start a Bill.'
2. Select from our biller list or type your biller's name in the search box.
3. Name your biller then enter your biller's reference number and select your due date.
4. Toggle on 'Remind me to pay in 3 days' to get reminded 3 days prior to your next payment!

XOXO

Yes you can, luv! XOXO

No, luv! As long as the amount you're paying is within the limit of the funds in your Tonik Account (that's the Account earning 1% interest p.a. on your Dashboard). Also, it's best to check with your biller prior to paying more than your amount due as some billers may not accept this. XOXO

Hi there, luv! Some billers accept overpayment while some do not. You can see billers with overpayment requirements here. XOXO

Hi there, luv! Advance or partial payments can help you manage your bills but that would still depend on the biller’s requirements. Here’s a quick guide of billers who accept exact and overpayment. XOXO

Don't worry, luv! Your payment won't push through since we validate bill payment details per biller. You should see an error message and the funds in your Tonik Account will not be debited. Remember hun, it's always best to double-check your payment details prior to confirming your payment! XOXO

Hi there, luv! You should see a successful bill payment message on your screen. Your amount due will also be debited from your Tonik Account. Here's a tip: Always check your balance to be super sure, hun! XOXO

Of course, luv! Apart from the successful bill payment message on your screen, you will also receive an SMS and e-mail confirming your payment and a notification on your Tonik App. Just make sure that your notification settings are enabled on your device's settings! XOXO

Hi there, luv! Don't worry, you can request for payment reversal from our Customer Care team. Please know that this will be still subject to the billers' approval through Bayad Center, so this may take 10 working days. Super appreciate your patience, hun! XOXO

No, luv! Payment made today will not be considered a late payment. We highly suggest you turn on your biller's payment reminder option to avoid paying your bills late. XOXO

Hi there, luv! Tonik will not impose any late payment fees, but your biller might. It would be best if you reach out to your biller directly to verify the 
terms of their late payment charges, if any. XOXO

Hi there, luv! Contact our Customer Care team through in-app chat, hotline at +63253222645, or e-mail at customercare@tonikbank.com for assistance. XOXO

Hi there, luv! You may refer to the below table for the minimum and maximum amounts per biller. Hope this helps, hun! XOXO

Coming soon. Keep an eye for future announcements.

Hi there, luv! The Pay Button is the Tonik App’s newest feature that allows borrowers to pay for their monthly installment amount due immediately.   

All payments made even before the due date will be accepted and will be subsequently posted to your loan account on your chosen installment date. Awesome right? XOXO 

Yes, luv! You can pay for your Quick Loan, Flex Loan, Flex Up Loan, Reloan, Shop Installment Loan, or Big Loan using the Pay Button. Hope this helps! XOXO 

If you paid before your due date, the amount paid via channels (except for PESONet and InstaPay)  will be held and reserved for the sole purpose of loan repayment. The reserved payment will earn 1% interest until it’s applied and posted to your loan on your due date, as early as 12 midnight.  

For payments made on the due date, these will be automatically posted to the loan as soon as it’s authenticated. Hope this helps! XOXO 

Hi there, luv! Our payment channels have varying transaction limits. Your chosen channel might be grayed out if it has a set transaction limit less than your monthly installment amount.  

If you wish to use a specific channel that’s grayed out, you can break your payments then top up these amounts to your Tonik Account. Super thanks for understanding, luv! XOXO 

Hi there, luv! We are accepting only full monthly payments through the Pay Button as of this moment. Please stay tuned as we work on accepting more payment types in the future. Super thanks for understanding, luv! XOXO 

Hi there, luv!

If you paid before your due date, it will automatically be credited to your loan account.

If you paid before your due date, via any payment channel aside from PESONet or InstaPay, your payment will be reserved and held until your chosen installment date. This means that your payment will earn the same 1% interest rate as that of keeping the money in your Tonik Savings Account, but it will be automatically posted and applied to your loan on the due date, as early as 12 midnight.   

That’s hassle-free, interest-earning, loan payments for you, luv! XOXO

Hi there, luv! You can only pay for full monthly payments through the Pay Button as of now. Please stay tuned as we work on accepting more payment types in the future. Super thanks for understanding, luv! XOXO 

Yes, luv! Loan payments made before the due date will earn 1% interest. XOXO

Hi there, luv! Interest earned from early loan payments will be credited to your Tonik Account every end of each month. You can also check your monthly Statement of Account or your Tonik App’s Transaction History if you wish to see your interest earnings. Hope this helps! XOXO 

Yes, you can! Your payment will be posted immediately. Hope this helps! XOXO 

Yes, luv! We will still accept late payments made through the Pay Button. Your payment will be immediately posted and applied to your loan as soon as it has been authenticated.   

However, please take note that you may be charged with a late payment fee if you missed your due date. Super thanks for understanding, luv! XOXO 

Hi there, luv! As soon as your loan payment has been authenticated, its sole purpose is to be posted and applied to your loan on your chosen installment date.   

Think of it as one less worry for you, since it will be automatically applied to your loan without you needing to access your Tonik Account anymore. The reserved payment will also earn 1% interest, which will be credited to your Tonik Account every end of each month. Super thanks for understanding, luv! XOXO 

Yes, luv! You can still pay for your loan by topping up your Tonik Account through your chosen cash-in channel. Top Up and transfer fees from your (ex)bank to your Tonik Account may apply. Hope this helps! XOXO 

Hi there, luv! You will see the Pay Button in your Tonik App dashboard only if you have an active loan with Tonik.   

If your loan just got approved, you will first see the Pay Button seven days before your first due date.

You will also not see the Pay Button if you’ve already made an early payment. It will be available again after your due date. 

Hope this helps! XOXO 

Hey, luv! We’re currently working on a better loan payment experience for you. In the meantime, you can top up your Tonik Account via OTC and click “Pay Now” in the app. Your payment will automatically get posted to your loan account on your due date.

Super thanks for your patience. XOXO

Hey, luv! If you click on “Pay Now” and pay thru your Tonik Account before your due date, you will get a notification that Tonik has received your payment. It will automatically get posted to your loan account on your due date. On the other hand, if you clicked “Pay Now” on your due date, your payment will be immediately credited to you loan account. Hope this helps. XOXO​
 

Please contact us through the chat feature in the Tonik App or contact our Customer Care hotline at  +63 2 5322 2645 if the top up amount has not been credited to your Tonik Account after two hours. We will confirm the status of your transaction with our payments provider, Xendit.

Hope this helps. XOXO​
 

Hey, luv! You can submit the transaction receipt provided by the OTC branch through the chat feature in the Tonik App or contact our Customer Care hotline at  +63 2 5322 2645. We will confirm the status of your cash in transaction with our payments provider, Xendit. XOXO​

Yes, luv! Here's how:

1. On the Loan Dashboard, tap "Pay now."
2. Under the other payment options, select "GCash."
3. Select "Link GCash Account" and confirm the amount to pay your loan.
4. Choose "Link my GCash account," then review and agree to the Terms & Conditions.
5. Perform the required authorizations to link your GCash account to your Tonik Account.
6. After processing,  you will receive your Direct Debit Form in your email.

Your GCash account should now be linked to automatically pay for your loans on Tonik! Quick and easy, right? XOXO

If you have enough funds in your GCash account, then yes, luv! Funds will be automatically deducted from your GCash account on your loan payment date. This way, it'll be easier for you to pay your loan on time! XOXO

Don't worry, luv!

If you linked your GCash to pay for your loan and you had a payment due, your account might have been deducted to cover it on time. Check your Loan Payment History to confirm!

Every day your loan is unpaid, your GCash account will be debited at 3pm until the payment is made.

If it's not a loan payment and you don’t recognize the transaction, reach out to our Customer Care Team at +63 2 5322 2645. XOXO

Hey, luv! If your loan payment wasn't automatically processed, it might be because your GCash account isn't linked for automatic loan deductions yet. Linking your GCash account as a top-up method doesn't automatically enable direct debit for loan payments.

Don't worry, luv! You can still pay your loan on time. Simply choose one of our payment options or link your GCash account via the Pay Now button to enable direct debit. Make sure you have enough funds in your GCash before linking your account to pay for your loans to take advantage of auto-debiting!

Hey, luv! You might need to relink your GCash account when repaying your loan!

First thing's first: Make sure that your GCash has enough balance to cover your monthly loan payment. Once that's good, follow the steps below.

Delink your GCash Account from your Tonik Savings Account:
1. Tap the Top-up Icon.
2. Select the GCash payment Top-up option.
3. Tap the 3 dots of the linked GCash account.
4. Select "Delete Gcash" and confirm the delinking.

Relink it to pay for loans: 
1. On the Loan Dashboard, tap "Pay now".
2. Under the other payment options, select "GCash".
3. Select "Link GCash Account" and enter your top-up amount.
4. Tap "Link my GCash Account," then review and agree to the Terms & Conditions.
5. Perform the required authorizations to link your GCash account to your Tonik Account.
6. After processing, you will receive your Direct Debit Form in your email.

Remember, if you link your GCash account to your Tonik account, but your GCash does not have enough funds to cover your loan repayment, the auto-debit feature will not work! XOXO'

Yes, your GCash account can still be linked, but you will not have the auto-debiting feature for your future loan payments. If you want to avail of GCash auto-debiting on your loan due date, make sure to link your GCash account to your Tonik account when your GCash has sufficient funds to cover the initial loan payment.