Updated October 2026: You now get a reminder first, and a full month to cancel the fee.

• No sales through Debit/Credit Card, BillEase, or GGives/GCredit in a month? No fee.

• Sales, but less than ₱5,000? We send you a reminder. You don't pay anything yet.

• Reach ₱5,000 the next month? The fee is cancelled. Nothing to pay.

• Don't reach ₱5,000 the next month? We send a ₱5,000 invoice. Pay it within 5 business days.

• Don't pay on time? Card, BillEase, and GGives/GCredit are turned off until you pay.

Frequently Asked Questions:

What is the Access Fee?

It is a ₱5,000 fee for using Debit/Credit Card, BillEase, and GGives/GCredit. You only pay it if you use these options in a month, sell less than ₱5,000 through them, and don't reach ₱5,000 the next month.

Which payment options are covered?

• Debit/Credit Card

• BillEase

• GGives/GCredit

Will I pay just for having these options turned on?

No. If you have no successful transactions through them in a month, there is no fee for that month. Your access stays on.

Does QRPh count?

No. QRPh sales don't count toward the ₱5,000.

The ₱5,000 minimum:

What counts toward ₱5,000?

Your successful transactions through the covered options, minus refunds, reversals, and chargebacks. We call this your net qualified transactions.

Failed and cancelled transactions don't count.

Do I need ₱5,000 for each payment option?

No. All three are added together.

Example: ₱2,000 Card + ₱2,000 BillEase + ₱1,500 GGives/GCredit = ₱5,500. You reached the minimum.

When do I count as "using" a payment option?

When you have at least one successful transaction through it. Failed or refunded transactions don't count as use.

How do refunds and chargebacks count?

• Made before the 1st business day of the next month: They lower the total of the month of the sale.

• Made after that: They lower the total of the month they happen.

Example: You sell ₱1,000 in September. If you refund it on September 25, your September total goes down. If you refund it on October 15, your October total goes down.

Does the ₱5,000 reset every month?

Yes. Each calendar month is checked on its own.

Reminders and invoices:

What happens if I use these options but sell less than ₱5,000?

We send you a reminder on the 1st business day of the next month. You don't pay anything yet.

How do I cancel the fee?

Reach ₱5,000 in net qualified transactions in the next month. The fee is cancelled. You won't get an invoice.

When will I get an invoice?

Only if you don't reach ₱5,000 in the next month. We send it on the 1st business day after that month ends.

Here is how it works for a September fee:

1. September: You use the options and sell ₱3,500.

2. Early October: You get a reminder.

3. During October: Reach ₱5,000 to cancel the fee.

4. Early November: If you didn't reach ₱5,000, you get the invoice.

5. 5 business days later: Payment is due.

I didn't use these options last month. Why did I get an invoice?

Your invoice is for the month before that. In that month, you used these options and sold less than ₱5,000.

Not using them last month did not add a fee. It just means the fee was not cancelled.

Can one good month cancel more than one fee?

No. Reaching ₱5,000 cancels only the previous month's fee.

Example: You used the options in September and October, but sold less than ₱5,000 each month. Your September invoice arrives in early November. Pay it by the due date so your Debit/Credit Card, BillEase, and GGives/GCredit stay on. Then reach ₱5,000 in November, and your October fee is cancelled. 

I was charged on October 1 for September. What happens now?

Your September fee now follows these new rules. Treat the October 1 charge as your reminder.

• Reach ₱5,000 in October: The fee is cancelled. If you already paid, we will refund it with your next scheduled remittance.

• Don't reach ₱5,000 in October: The fee stays. Payment is due 5 business days after the 1st business day of November.

Paying the fee:

When is the fee due?

5 business days after we send the invoice.

How do I pay?

Tap the invoice link in your email or in your Enstack app inbox. You can pay by e-wallet, direct debit, or credit card.

Can you take the fee from my remittances?

No. Please pay it using the invoice link.

If the fee is not paid:

What happens if I miss the due date?

• Debit/Credit Card, BillEase, and GGives/GCredit are turned off right away.

• Remittances not yet sent from these options are put on hold.

• Your QRPh remittances are not affected.

How do I turn them back on?

1. Pay the same invoice. Your held remittances will be released.

2. Email hi@enstack.com to ask for reactivation. This is not automatic.

3. Reactivation takes 2 to 5 business days.

Do I pay another ₱5,000 to turn them back on?

No. You only pay the invoice you already have. There is no extra reactivation fee.

Examples:

Amounts are net qualified transactions through Debit/Credit Card, BillEase, and GGives/GCredit.