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​

We have temporarily disabled the GCash linking feature on our app indefinitely. Thank you for your patience!

ECPay (Electronic Commerce Payments, Inc.) is a leading electronic payment service provider based in the Philippines. It offers a platform that enables merchants, retailers, and service providers to accept a wide range of payment methods, including over-the-counter payments, online payments, and mobile wallets. ECPay connects billers, merchants, and customers through a comprehensive network of payment channels. It is commonly used for utilities, e-loading, insurance, and e-commerce transactions.

You can pay your Tonik loan via ECPAY partners such as GCash. For the full list of ECPAY partners, you may refer to their website at https://www.ecpay.com.ph/search-partner

Simply go to ECPay partner apps or stores, input your Tonik registered mobile number, full name used during account opening, and your monthly loan payment amount to proceed.

You may provide your Tonik registered mobile number, full name used during account opening, and your monthly loan payment amount to proceed. You can find an ECPay partner near you by visiting their website https://www.ecpay.com.ph/search-partner

You may pay your Tonik loan through ECPay as early as seven days before the due date. Past due payments can also be done via ECPay partners -- just make sure you input the total due amount including the penalty fees. You may refer to the Tonik app for the correct loan payment amount.

You may pay your monthly loan amortization as early as seven days before your due date.

You can pay the current month's payment due and any past due payments from previous month which you have not settled. For early repayment, you may refer to the Tonik app's loan dashboard.

You can only pay the exact amount due for your loan. If it's seven days before and on the due date of your loan, the amount would be the monthly loan payment usually due you. If the payment is done after or past the due date, penalty fees apply and you may refer to your Tonik app to confirm the final amount to be paid.

Partial payment before and on the due date of the loan is currently not possible as we match the transaction amount to your exact monthly installment due. However, for loan payments that are past due, we accept partial payments via ECPay to help you bring your loan payments current.

For now, ECPay partners and channels only accepts one (1) payment per day.

Minimum amount that you can pay in ECPay partners and channels is Php 200 while the maximum amount is Php 50,000

You can pay the current month's payment due and any past due payments from previous month which you have not settled. For early repayment, you may refer to the Tonik app's loan dashboard.

You can close you loan account in Tonik app's loan dashboard only. ECPay only accepts payments for your loan account.

Some ECPay partners may take a while to update their biller list. You may choose a different ECPay partner or use other payment channels asides ECPay (such as Instapay, PESONet, and top-up of your Tonik account via Xendit or QR)

Payments done via ECPay are matched through mobile number, full name, and monthly loan payment amount. This ensures that the payment being done is correct. For concerns on the transaction validity and correctness, you may reach out to the ECPay partner where you processed your payment. You may also reach out to us in parallel via Tonik's customer support so we may assist you in checking your payment.

Make sure to key in +639XX format of mobile number when paying your loan account.

For online channels, you can initially input your estimated amount in the AMOUNT field on the ECPay channel. If the amount is incorrect, the correct EMI will appear in the error message. When transacting via offline channels, you may reach out to Tonik customer support for assistance on getting your loan amount due.

Confirm that the mobile number, full name, and monthly loan payment you inputted is accurate. If the payment still has failed, you may reach out to the ECPay partner where you've processed the payment.

For refunds, please reach out to ECPay partner where you processed your payment. If it's an online channel, please contact their customer support center for assistance.

Your loan payments via ECPay and other payment channels are real-time. For ECPay transaction concerns, you may reach out to the ECPay partner where you processed your payment. You may also reach out to us in parallel via Tonik's customer support so we may assist you in checking your payment.

Tonik doesn't charge anything for your loan payment via ECPay, but the ECPay partners might. You may refer to the fees impose by the partners for guidance.

Loan payments can currently be done by topping up your Tonik account then initiating the payments on the Loans dashboard in your Tonik app. To top-up your Tonik account, you may send money using Instapay, PESONet, GCash one-time-payment via the app, Online direct debit via the app, or over-the-counter top-up via Xendit participating stores. You can also top-up your Tonik account by scanning your Tonik QRPH and sending money from your other bank accounts and e-wallets.