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

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.

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!

Hi there, luv! QRPh is the Philippines' standardized QR payment system that allows users to transfer funds via InstaPay to other people, businesses, and other banks without any transfer fees on Tonik.

With QRPh, you can easily scan and pay  anyone or any store with a QRPh code via your Tonik Account! Easy right? XOXO

By using QRPh on Tonik, you can transfer funds to other banks and any biller that has a QRPh code and accepts the payment method!

You can also receive funds via QRPh from users of other banks, just make sure to share them your QRPh code to scan.
 

Easy-peasy lemon squeezy, luv! On your Tonik App Dashboard:

1. Tap the Account Information Icon to get to the Profile page.
2. On the Profile page, tap "My QR."
3. Your QRPh should appear! You can have this scanned, or save, or share this to others.

Hope that helps! XOXO
 

Just follow these steps, luv! On the Tonik App Dashboard:

1. Tap the "QR"Icon.
2. Scan a QRPh code or upload one from your phone gallery.
3. If the amount to be paid is included, just indicate the purpose of the transfer. Otherwise, input how much you want to pay.
4. Once ready, click "Next," verify the information on the page, then click "Confirm."
5. An OTP will be sent. Just input the code and that's it!

Quick and easy, right? XOXO

Yes, you sure can, luv! From the Loan payment page, under payment options, select "QRPh." A QR code will be generated.

Scan this with your other bank app to pay for your loan. That's it! XOXO
 

That's because there's a better way to transfer to another Tonik Account! Just tap "Send" and select "To another Tonik customer." XOXO