What is a SukiPay Merchant?

A SukiPay Merchant is a registered business, organization, professional, or institution that uses SukiPay as its payment gateway to accept digital payments from customers through multiple payment channels.

Through SukiPay, merchants can accept payments via:

• QRPh-enabled payments
• Bank transfers
• Local credit cards
• International credit cards
• Online payment links
• On-site payments
• Integrated payments through systems such as Odoo, eCommerce platforms, billing systems, and other applications

SukiPay helps businesses move away from manual cash collection, scattered e-wallet transactions, delayed confirmations, and messy reconciliation. It gives merchants a more organized, traceable, and professional way to collect payments.

Instead of asking customers to send screenshots, call the office, or wait for someone to manually verify a payment, SukiPay provides a more reliable payment process with proper transaction records and reporting.

Who Can Become a SukiPay Merchant?

A SukiPay Merchant may include:

• Retail stores
• Clinics and laboratories
• Restaurants and cloud kitchens
• Schools and training centers
• Cooperatives
• Distributors and FMCG companies
• Online sellers and live sellers
• Service providers
• Utility billers
• Hotels and resorts
• Transport and logistics companies
• Odoo users and ERP-driven companies
• Any legitimate business that needs digital payment acceptance

Whether the business collects online, on-site, through delivery personnel, field collectors, sales agents, branches, or an integrated system, SukiPay can provide a payment solution that fits the operation.

How to Become a SukiPay Merchant

To become a SukiPay Merchant, the business must complete the merchant onboarding process and submit the required documents for verification and compliance review.

The basic requirements are:

1. Updated Mayor’s Permit or Business Permit
2. DTI Certificate for sole proprietorships or SEC Certificate for corporations/partnerships
3. Completed Merchant Information Sheet
4. Signed SukiPay Merchant Agreement
5. Valid government ID of the authorized signatory
6. Settlement bank account details
7. Other supporting documents, if required during compliance review

Once approved, the merchant will be activated in the SukiPay system and may start accepting payments through the approved payment channels.

SukiPay Merchant Onboarding Process

Step 1: Merchant Inquiry

The merchant expresses interest in using SukiPay for digital payment acceptance. This may come from online inquiries, sales teams, business partners, referrals, or direct applications.

Step 2: Business Assessment

The SukiPay team identifies the merchant’s payment needs, such as:

• Type of business
• Collection method
• Expected transaction volume
• Online or on-site payment requirements
• Need for QRPh, credit card, bank transfer, or API integration
• Settlement requirements
• Reporting and reconciliation needs

This helps recommend the proper SukiPay setup.

Step 3: Submission of Requirements

The merchant submits the required business documents, Merchant Information Sheet, Merchant Agreement, and authorized signatory details.

Step 4: Compliance Review and Verification

SukiPay reviews the submitted documents for proper business identity, authorized signatory validation, settlement account matching, and compliance requirements.

Step 5: Merchant Account Setup

Once approved, the merchant account is created and configured. This may include:

• Merchant profile setup
• Settlement account tagging
• QRPh or payment channel activation
• Payment link setup
• User access setup
• API or system integration, if applicable

Step 6: Training and Orientation

The merchant receives basic training on how to use SukiPay, including:

• How to accept payments
• How to monitor transactions
• How to check payment confirmations
• How settlement works
• How to generate reports
• How to handle customer payment concerns

Step 7: Go-Live

After setup and orientation, the merchant may begin accepting payments using SukiPay.

Benefits of Being a SukiPay Merchant

1. Accept More Payment Options

SukiPay allows merchants to accept payments beyond cash, including QRPh, bank transfers, and credit card payments. This gives customers more ways to pay and helps businesses avoid losing sales just because the customer has no cash.

2. Real-Time Payment Confirmation

For supported payment channels such as QRPh and bank transfers, merchants can receive real-time or near real-time confirmation. This reduces the need for manual checking, screenshots, phone calls, and awkward “Ma’am, paid na po ba talaga?” moments.

3. Easier Reconciliation

Every transaction is properly recorded, making it easier for the merchant to match collections against sales, invoices, orders, branches, agents, or customers.

4. Better Cash Control

SukiPay helps reduce risks related to cash handling, missing collections, fake payment screenshots, delayed remittances, and unreported transactions.

5. Useful for Online and On-Site Payments

Merchants can use SukiPay for physical stores, delivery payments, field collections, eCommerce checkout, social media selling, online invoices, and integrated ERP payments.

6. Credit Card Acceptance Without Traditional Terminal Dependency

Merchants may accept local and international credit card payments through SukiPay, helping businesses serve customers who prefer card payments without relying only on traditional POS terminals.

7. Supports System Integration

SukiPay can be integrated through API and is suitable for platforms such as Odoo, websites, billing systems, and other business applications. This makes payment collection more automated and less dependent on manual encoding.

8. No Heavy Upfront Cost

SukiPay is designed with a per-transaction charging model. Merchants do not need to invest heavily just to start accepting digital payments.

9. Professional Customer Payment Experience

Customers get a cleaner, more reliable payment experience. Merchants get better visibility, reporting, and control. Humanity briefly improves. Shocking, but welcome.

SukiPay Merchant Rates

The applicable SukiPay merchant rates are as follows:

QRPh Merchant Transaction Fee

₱12.00 per successful QRPh merchant transaction

This applies to merchants accepting QRPh-enabled payments.

Credit Card Payment Rates

Locally issued credit cards:

3.5% per successful transaction

Internationally issued credit cards:

4.5% per successful transaction

Payroll or Disbursement Service Fee

For merchants using SukiPay Disburse for payroll, vendor payments, commissions, allowances, or other payouts:

₱12.00 per successful disbursement transaction

Settlement Charges

Settlement charges may vary depending on the merchant classification, settlement arrangement, transaction type, and agreed setup.

For special arrangements such as real-time settlement, customized settlement schedules, or high-volume merchant operations, applicable settlement fees may be discussed during onboarding.

Why Businesses Should Use SukiPay

SukiPay is built for businesses that want to collect payments faster, reduce manual work, improve audit trails, and offer customers more ways to pay.

It is especially useful for businesses that experience:

• Manual payment verification
• Delayed collection reporting
• Fake or duplicate payment screenshots
• Difficulty reconciling payments
• Cash handling risks
• Limited payment options
• Need for online and on-site payment acceptance
• Need for ERP, website, or billing system integration

With SukiPay, merchants can focus on selling, serving customers, and growing the business while the payment process becomes more organized, traceable, and easier to manage.

Simple Call to Action

Become a SukiPay Merchant today and start accepting QRPh, bank transfer, and credit card payments through one reliable payment gateway.

For merchant onboarding, inquiries, and demo requests, contact Bald Puppies Solutions Inc., the company behind SukiPay.