Help Center

Go to /signup, fill in your name, email, and password. You'll then be asked to upload your KYC documents (Valid ID, selfie with ID). Once submitted, our team reviews and approves your account — usually within 1 business day.

No. Any individual or business can apply. You do not need a corporate bank account or a BSP license to use ArgonarPay. You only need a valid government ID and a payout account (GCash, Maya, or any PH bank) to receive settlements.

Go to /forgot-password, enter your email, and we'll send you a reset link valid for 1 hour. Check your spam folder if you don't see it within a few minutes.

You get three keys:

sk_live_... — Secret key. Use server-side only. Never expose in frontend code.
pk_live_... — Public key. Safe to use in frontend (e.g., to load QR images).
whsec_... — Webhook secret. Used to verify that webhook events came from ArgonarPay.

Pass your secret key in the X-API-Key header:

X-API-Key: sk_live_your_key_here

For QR image requests, pass the public key as a query parameter: ?api_key=pk_live_...

Yes — go to Dashboard → API Keys and click Regenerate. Your old keys will stop working immediately, so update all your integrations right after.

Required: a valid government-issued ID (passport, driver's license, UMID, SSS ID, PhilSys) and a selfie holding your ID.

Optional: a DTI or SEC certificate (required if you plan to use card payments in the future).

Typically within 1 business day. You'll receive an email when your account is approved or if we need more information. You can also check your status at /onboarding/status.

Check the rejection email for the reason. Common causes: blurry ID photo, mismatched names, or incomplete selfie. Reply directly to the rejection email with corrected documents and we'll review again.

1. Your backend calls POST /v1/orders with the amount and description.
2. You receive a pay_amount (slightly adjusted for matching) and a QR URL.
3. Show the QR to your customer. They scan it with GCash or any InstaPay app.
4. ArgonarPay detects the payment and sends a webhook to your webhook_url.
5. You confirm the order and fulfil it.

ArgonarPay adds a small random centavo offset (₱0.01–₱0.99) to each order so that every payment amount is unique. This is how we match incoming payments to the correct order. Your customer pays the displayed pay_amount — the original amount you specified is stored separately and used for your records.

Any QR Ph-compatible app — GCash, Maya, UnionBank, BPI, BDO, and most Philippine bank apps support InstaPay QR. The customer simply opens their app, scans the QR, and confirms the transfer.

Orders expire after 15 minutes by default. After expiry, the QR can no longer be used. You can create a new order if the customer still wants to pay.

After creating an order, use the QR endpoint:

GET /v1/qr/{order_id}.png?api_key=pk_live_...

You can use this URL directly in an <img> tag. The QR is generated server-side — you don't need any QR library in your frontend.

Yes. Call POST /v1/checkout/session to get a hosted checkout URL. Redirect your customer there — it shows the QR, detects payment in real time, and redirects back to your success URL. No frontend code needed.

When your webhook endpoint receives a notification, call the ArgonarPay API to confirm the payment:

GET https://argonarpay.com/v1/orders/{order_id} with your secret key.

If the response shows status: "paid", the payment is real. No signature needed — just query the API.

{"type":"payment.confirmed","data":{"order_id":"...","amount":500,"pay_amount":500.42,"status":"paid","reference":"..."}}

Your endpoint must return HTTP 200. If it doesn't, we retry up to 5 times with exponential backoff.

Go to Dashboard → Settings and enter your webhook URL. You can also send a test event from Dashboard → Webhooks to verify your endpoint.

A flat 1.5% fee per successful payment. No monthly fees, no setup fees, no hidden charges. The fee is automatically deducted from your balance when a payment is received.

In your Dashboard → Settlements tab. You can also query it via API: GET /v1/balance returns your available balance, total earned, and total fees paid.

Settlements are processed manually. Once your balance reaches a threshold, our team sends the funds to the payout account you set in Dashboard → Settings. We support GCash, Maya, and all major Philippine banks.

Settlements are processed within one business day. GCash and Maya transfers are typically completed same-day; bank transfers may take until end of day.

Email support@argonarpay.com with your merchant name and preferred payout method. Include your current balance from the dashboard so we can confirm the amount.