What is an Access Fee?
Updated policy draft — September 2026
The Access Fee applies to transactions made through the following payment options:
Debit/Credit Card
BillEase
GGives/GCredit
Each calendar month is assessed separately.
What happens during the month? | What you need to do | Access Fee |
You do not use any of the covered payment options | Nothing. Your access remains active. | ₱0 |
You use a covered payment option and reach at least ₱5,000 in net qualified transactions | No additional action needed. | ₱0 |
You use a covered payment option but finish the month below ₱5,000 in net qualified transactions | Pay the Access Fee by its due date. | ₱5,000 |
If you use Debit/Credit Card, BillEase, or GGives/GCredit for a transaction during the month, you need to reach at least ₱5,000 in net qualified transactions within that same calendar month to avoid the ₱5,000 Access Fee.
Once you use Debit/Credit Card, BillEase, or GGives/GCredit, you need to reach at least ₱5,000 in net qualified transactions by the end of the same calendar month to avoid the ₱5,000 Access Fee.
If your net qualified transactions are below ₱5,000 at month-end, the ₱5,000 Access Fee will be charged on the 1st of the following month. If the 1st falls on a weekend or holiday, the charge moves to the next business day.
The Access Fee is due 5 business days after the charge date.
You do not need to reach ₱5,000 separately for each payment option. Transactions across Debit/Credit Card, BillEase, and GGives/GCredit are combined toward the same monthly ₱5,000 minimum.
The ₱5,000 minimum is based on your net qualified transactions for the calendar month.
Refunds, reversals, cancellations, and failed transactions do not count toward the minimum.
In this example, the merchant processed ₱6,000 in transactions, but ₱5,000 was refunded within the same calendar month. The net qualified transaction total is therefore only ₱1,000, so the ₱5,000 Access Fee will still be charged.
During September, you do not process any transactions through Debit/Credit Card, BillEase, or GGives/GCredit.
Net qualified transactions: ₱0
Access Fee: ₱0
Your access to Debit/Credit Card, BillEase, and GGives/GCredit remains active.
Debit/Credit Card: ₱5,500
BillEase: ₱0
GGives/GCredit: ₱0
Net qualified transactions: ₱5,500
Access Fee: ₱0
Debit/Credit Card: ₱2,000
BillEase: ₱2,000
GGives/GCredit: ₱1,500
Net qualified transactions: ₱5,500
Access Fee: ₱0
Debit/Credit Card: ₱2,000
BillEase: ₱1,000
GGives/GCredit: ₱500
Net qualified transactions: ₱3,500
Access Fee: ₱5,000
For September transactions, the Access Fee will be charged on October 1, or on the next business day if October 1 falls on a weekend or holiday.
Total qualified transactions: ₱6,000
Refunded within the calendar month: ₱5,000
Net qualified transactions: ₱1,000
Access Fee: ₱5,000
If you used any of the covered payment options during the month but did not reach ₱5,000 in net qualified transactions, the ₱5,000 Access Fee will be charged on the 1st of the following month.
If the 1st falls on a weekend or holiday, the charge moves to the next business day.
The Access Fee is due 5 business days after the charge date.
This only applies if an Access Fee has already been charged because you used Debit/Credit Card, BillEase, or GGives/GCredit during the month but did not reach ₱5,000 in net qualified transactions.
If the ₱5,000 Access Fee remains unpaid after the due date:
Debit/Credit Card, BillEase, and GGives/GCredit will be deactivated immediately.
Any remaining remittances from transactions made through these payment options will be placed on hold.
To restore access, you need to settle the same outstanding ₱5,000 Access Fee that was already charged. This is not a separate reactivation fee.
Once the outstanding Access Fee is paid:
held remittances will be released; and
you can request reactivation of Debit/Credit Card, BillEase, and GGives/GCredit.
Reactivation is not automatic. You will need to request it after the outstanding Access Fee has been paid.
No. If you do not use any of these payment options for a transaction during the month, you will not be charged an Access Fee and your access will remain active.
The ₱5,000 monthly minimum only applies once you use at least one of the covered payment options during that calendar month.
Once you process a transaction through Debit/Credit Card, BillEase, or GGives/GCredit, you need to reach at least ₱5,000 in net qualified transactions by the end of the same calendar month to avoid the ₱5,000 Access Fee.
Transactions across all three covered payment options are combined toward the same ₱5,000 minimum.
No. Debit/Credit Card, BillEase, and GGives/GCredit transactions are combined toward one ₱5,000 monthly minimum.
Nothing changes. You will not be charged an Access Fee, and your access to Debit/Credit Card, BillEase, and GGives/GCredit will remain active.
If your net qualified transactions are below ₱5,000 at the end of the calendar month, you will be charged the ₱5,000 Access Fee on the 1st of the following month.
If the 1st falls on a weekend or holiday, the charge moves to the next business day.
Successful transactions made through Debit/Credit Card, BillEase, and GGives/GCredit count toward the monthly minimum.
The requirement is based on net qualified transactions. Refunds, reversals, cancellations, and failed transactions do not count toward the minimum.
No. Only net qualified transactions made through Debit/Credit Card, BillEase, and GGives/GCredit count toward this Access Fee requirement.
Yes. Each calendar month is assessed separately.
If you do not use any of the covered payment options in a particular month, there is no minimum transaction requirement and no Access Fee for that month.
If you do use them, you need to reach at least ₱5,000 in net qualified transactions during that month to avoid the Access Fee.
No. Your access to Debit/Credit Card, BillEase, and GGives/GCredit remains active even if you do not use them during the month.
Deactivation only becomes relevant if an Access Fee has been charged and remains unpaid after its due date.
If you used a covered payment option during the month but ended the month below ₱5,000 in net qualified transactions, the ₱5,000 Access Fee is charged on the 1st of the following month.
If the 1st falls on a weekend or holiday, the charge moves to the next business day.
The Access Fee is due 5 business days after the charge date.
Debit/Credit Card, BillEase, and GGives/GCredit will be deactivated immediately, and remaining remittances from transactions made through these payment options will be placed on hold.
Once you pay the same outstanding ₱5,000 Access Fee, held remittances will be released and you can request reactivation.
No. You only need to settle the same outstanding ₱5,000 Access Fee that was already charged. It is not a separate reactivation fee.
After payment, your held remittances will be released and you can request reactivation.