What is Dragonpay and how to take out and repay a loan with it

Get a Digido loan and repay it via Dragonpay!
In this article you will learn all about Dragonpay and how to use it to pay your bills. You can take an urgent loan from Digido and pay it off with Dragonpay. Loan amount up to 25,000 pesos!

Home » Articles » How to Use Dragonpay in the Philippines

How to Use Dragonpay App

Last updated: March 19, 2024

Written by: Digido Financial Writers Team | Reviewed by: Anna Kireeva

Key takeaways:

  • Dragonpay allows Filipinos to shop online without a credit card, e-wallet or PayPal account.
  • You can use Dragonpay to pay for any purchase.
  • You can easily repay your Digido loan with Dragonpay.
  • Just choose this payment method in your personal account on Digido’s website.

“The sooner we drop the ‘e’ out of ‘e-commerce’ and just call it commerce, the better. “

– Bob Willett, former President of Best Buy International.

A few years ago, such a statement would have brought, a mocking smile even within the elite group of techno-savvy population. But times have changed, and the pandemic has become the strongest proponent of e-commerce transition, even among the Internet illiterate. With no closing time, these online stores privilege the user to make purchases even at the odd hours without any inconveniences. The ability to make purchases even while traveling and the irresistible promotional offers make e-commerce the primary shopping option for the majority. For a merchant, it gives an excellent opportunity for limitless growth with minimal expenditure.

With high Internet penetration and a significant middle-class population, the Philippines has ample reasons to expect a thriving and expanding eCommerce market. But it is not. As per analysts, Filipino’s over-dependence on cash transactions is the primary reason for such a lukewarm growth of e-commerce. Only 10% of Filipinos use any form of digital transaction payment modes such as online banking, e-wallet, or credit card. (1)

Since most eCommerce transactions happen in the digital mode, it keeps a significant portion of Filipinos beyond eCommerce purview. It creates a complicated situation for e-commerce customers and merchants alike. The customer is unable to purchase the desired products or utilize promotional offers. For the merchant, he is unable to explore the true market potential and garner loyal customers. Getting a credit card in the Philippines is not an easy task. Banks perform detailed screening of each applicant with mandatory requirements of stable monthly income, good credit history, and deposit accounts. No one can change the spending habits of the community on a fine morning. The transition to a digital economy will take time. But that can’t be a reason for keeping the Filipinos away from the happening world of eCommerce and its benefits.

Dragonpay Philippines is a comprehensive financial solution provider that anchors on Filipinos’ financial habits and helps them move abreast with the changing world through innovative technology adaptations.

I want to borrow ₱ 10000
Min: ₱ 1000
Max: ₱ 20000
Payment Terms 10 days
7 days
21 days
My Monthly Gross Income ₱ 20000
You return*: 10 000
All your data is under secure protection!
We recommend taking a loan!

* Interest payments are approximate. The final loan amount and interest rate must be confirmed in your loan agreement after loan approval.

→ All about 7-Eleven bills payment

How to Repay a Digido Loan with Dragonpay?

As a pioneer in technological adaptations, Digido is keen on exploring all possible avenues to improve customer experiences.
Digido helps our customers avoid late fees or penalties by enabling the Dragonpay option for loan repayments. One can initiate the loan repayments through the Dragonpay from his user account in the Digido portal itself.

All operations are performed online - you don't have to leave your house
In only 4 minutes you can receive up to 10,000 pesos in your bank account, and up to 25,000 pesos for repeat borrowers.
We don't require guarantors representation, documentation, or guarantee deposits.
We only require 1 government valid ID

As a legit and state licensed lender, Digido with all legal standards, holding both SEC Registration and an official Certificate of Authority
the Philippines. By introducing Dragonpay to this network, Digido ensures easily accessible payment facilities for its customers, even in the remotest corners of the Philippines.

There are several ways to repay the loan in Digido: payment by Dragonpay or transfer to a bank account of Digido. If you do not know how to pay through Dragonpay, first of all, choose this method of payment in your personal account on the Digido website. Then enter your phone number, which you used for registration, and click Return. You will be transferred to the payment system DragonPay. Then follow the instructions. Congratulations, you have returned the loan!

Apply now

→ All about  lending online without bank account in the Philippines

What is Dragonpay?

Dragonpay (2) enables millions of Filipinos to make purchases from the Internet even without a credit card, e-wallet, or PayPal account (3). Dragonpay logo is a bright fire, which symbolizes a powerful breakthrough in financial online transactions in the Philippines.

Its working model is quite simple. A merchant can integrate the Dragonpay payment gateway with his eCommerce store. During checkout, such stores will list Dragonpay as a payment option, typically along with credit cards, debit cards, or online banking. If the customer chooses Dragonpay, he can proceed with the order process. But his payment status will be pending on the merchant’s site. To make the order complete, he needs to pay the money in the specified Dragonpay account through banks, ATMs, online transfer, or authorized collection centers.

Once the money is received, Dragonpay will update the merchant about the payment. The vendor will change the payment status as complete. The customer’s primary advantage is that he does not need a credit card or even a bank account to make an online purchase. A valid email address alone would be sufficient for a successful online purchase using Dragonpay. There is no user charge either.

Dragon pay uses one of the most advanced security systems to ensure complete transaction security. Since there is no need for your credit card information, Dragonpay protects both customers and merchants from the possibilities of credit card fraud. One of the significant issues for the merchants that offer Cash On Delivery was the non-payment or non-acceptance of products at the delivery. It creates overhead expenses as they have to make payments to the logistics team irrespective of the consignment’s delivery status. Dragonpay refund policy restricts refunds only to payment related issues. It guarantees payments for the merchant and helps him avoid unnecessary expenses.

Dragonpay is a Platinum Partner, the highest level of channel partnership, of PayPal, and it makes international purchases a hassle-free experience for a Filipino. Dragonpay is a tailor-made solution for the Filipinos that enables both the customer and merchant to be a genuinely international player in the Internet-driven market economy.

All about Motorcycle Loan for Filipino People

Where Can I Use Dragonpay?

One can use Dragonpay anywhere that supports digital transactions. You can use it to renew your Netflix subscription or use it to top up your mobile wallet. Note that you can also pay Netflix using Paymaya. You can also use it to pay your utility bills, or a salesperson can remit his daily collections on time without traveling to a remote town. Some banks or lending agencies permit monthly loan repayments through Dragonpay and help customers avoid late fees or penalties.

→ Learn about In-Demand Jobs in the Philippines

How do I Pay with Dragonpay?

The steps to make Dragonpay Payment is simple.

Step 1: During the checkout process, select “Dragonpay” as your payment method.
Step 2: The Dragonpay page will give you the list of possible Dragonpay payment options such as Online Banking, Over-the-Counter (OTC) Banking, Over-the-Counter Non-Banks, etc.
Step 3: The system will request you to submit your email address for providing the payment instructions based on your choices. Alternatively, you can choose to get the payment instructions on the interface, as well.
Step 4: You will receive a mail from Dragonpay with the subject “Deposit Instruction”. The email will carry necessary payment information such as the biller name, reference number, deadline, and the total amount.
Step 5: Proceed to the bank/biller, as mentioned in the email, and make the cash payment using the Dragonpay reference number as the account number.
Step 6: If you have chosen the “Online Transfer,” access your bank account, and complete the payment.
Step 7: After the Payment, validate the transaction using the confirmation link given in the email. For that, the customer needs to update relevant payment details such as branch code, transaction ID, date and time, etc., in the validation interface.
Step 8: After successful Dragonpay validation, your payment status will change from “Pending” to “Approved” on the merchant site
Step 9: You will receive a confirmation mail stating your transaction details from Dragonpay.
Even though Dragonpay is an efficient payment system, it is not a complete replacement for credit cards. One of the major drawbacks of Dragonpay is the time it takes to complete a transaction.
For making the payment, the customer has to travel to a banking facility and then remit the amount there. Local traffic, queue in the payment counter, and infrastructure issues can delay the entire process. It can cost you dearly, especially when you try hard to grab a flash sale or purchase an air ticket at a throwaway price. E-wallets such as Dragonpay Prepaid Credits or GCash can be a great help for such real-time transactions.


  • Is it safe to use Dragonpay?
    To protect the transmission of your data, Dragonpay uses Secure Socket Layer (SSL) encryption technology used by all financial institutions around the world. The company does not store your Online Banking ID and password.
  • Can I pay DragonPay via BDO?
    Yes, you may make online payments to Dragonpay-accredited merchants using your BDO Retail Internet Banking.
  • How to check payment on Dragonpay?
    Open the instruction received by email from Dragonpay and click the link to confirm. Enter your name registered with the bank, date and time when you made the transfer and click "Confirm" to complete the payment.

→ Useful information about 24 hour fast payday loan

How to use Dragonpay Credits for online payments?

It is very simple. The user only needs to configure a mobile wallet by downloading Dragonpay Mobile App. After that, you can add money to the wallet by using Dragonpay supported payment channels. The user interface will list the pending payments if any. You can use the available credits to clear the dues and complete the purchase. Similarly, while shopping online from vendors that support Dragonpay, just scanning the QR code displayed on the screen using the application alone will complete the transaction.

How to Use Dragonpay for business owners

Dragonpay affiliated merchants alone can offer Dragonpay payments for their customers.
The steps to become a Dragonpay affiliated merchant are as follows:

I. The merchant has to register with Dragonpay by filling up the form and email it to sales@dragonpay.ph.
II. After the registration, he will get a Merchant ID and a password. With Dragonpay login you will be able to enter your personal account on the site.
III. You can use these credentials in configuring the store’s payment settings.
IV. The store will now display “Dragonpay” as an alternate payment option during checkout. If you have installed the Gcash checkout button, the option will be listed as “Gcash by Dragonpay.”

Dragonpay is a free payment option for the customer. But for the vendors, the company deducts a fixed charge based on the mode of payments.For instance, if the customer makes the payment using an “Online Bank Transfer,” the charge per transaction will be PHP 10.

Suppose the user makes the remittance as “Over The Counter Payment” at Dragonpay affiliated bank facility, then the processing fee will be PHP 15. Any settlements through Dragonpays’s non-bank outlets such as stores and supermarkets will incur a charge of PHP 20. Dragonpay corporation strives hard to support all categories of business with innovative plan features. The micropayment fee structure of 5% allows small vendors, who sell low price products (PHP 200 or below), to make a global presence without any substantial spending. Apart from transaction-based charges, there is a one-time setup fee of PHP 28,000 for integrating Dragonpay into any e-commerce website.Even though there are no annual subscription fees, non-activity in your account for one year can lead to deactivation of your Dragonpay account.

Apply now

→ Useful information about blacklisted personal loans in the Philippines

Dragonpay Customer Service and Reviews

Dragonpay offers many support channels such as a Dragonpay hotline, email support, live chat, and online helpdesk. The telephone support is available even during weekends. Dragonpay contact number is +63 2 8967 6275. Separate support desks for payment, refund, and general inquiries make the entire process quite efficient and streamlined.
The high-quality support and time-bound solutions help Dragonpay to maintain its supremacy in the Philippines’ fin-tech segment.

Articles Sources

  1. Digital payments in the Philippines https://businessmirror.com.ph/….
  2. Dragonpay site https://www.dragonpay.ph/online-payments/
  3. PayPal https://www.paypal.com/ph/home

→ Learn about Loyalty Cards in the Philippines

Digido Reviews

  • Mark
    A very reliable loan app. You can have the approved amount transferred to your account in less than 3 minutes. Highly recommended to those who need immediate cash☺
  • Edcel
    Digido is superb to the point of acing clients or customer needs for loan. The free choose of how many days you can pay and the payment extension is beyond compare. Although the interest is quite high but it will really compensate fast-pacing response. The agent were very responding and accomodating! I love Digido, Happy Chinese New Year ❤️
  • Theresa
    This app is very helpful and easy to apply. Thank you so much! More power to Digido! Highly recommended.
  • Norman
    The process is very smooth and perfect! And would like to commend also the agent who evaluated me over the phone, she is so polite and very nice. Nice lending app and nice customer service! I would highly suggest this app to all of my friends and colleagues. Thank you!
  • Derick
    This loan app is very convenient to use, easy to borrow cash especially during Petsa de peligro or anytime you need money. Easy to repay with low interest rate.
Submit review
Submite review
Thank you for review!
Rating (5/5) 358 voted. Rate us

Download the Digido mobile app and get loan instantly!

  • Borrowing 24/7
  • Approval rate over 90%
  • 1 Valid ID

Loan money online now!

Written by: Digido Financial Writers Team

Author pages:
Digido Financial Writers Team is a team of experts in the field of finance and credit, specializing in writing articles for Digido blogs.

Reviewed by: Anna Kireeva

Author pages:
Anna is a marketing communications professional who specializes in digital marketing strategies and long-form content.