Merchant Accreditation

Grow your business! Boost your sales! As a BDO-accredited merchant, you can provide your customers with wider credit card payment options.

BDO is the largest card acquirer in the industry with unparalelled experience and service. It is also the ONLY bank in the Philippines that lets you accept ALL ATM/DEBIT CARDS of MEGALINK, BANCNET AND EXPRESSNET and all major card brands - MASTERCARD, VISA, AMERICAN EXPRESS, JCB and UNION PAY.


A card issued by BDO or any other local or international bank bearing any of these logos may be swiped in the Point-of-Sale (POS) terminals provided by BDO. A POS terminal is an electronic device used by merchants to obtain authorization for card transactions. The POS terminals may be connected to BDO in different ways. It could be through dial up (using telephone line); wireless and/or mobile terminals (using GPRS technology, no telephone lines needed), or through a Local Area Network (LAN for merchant with multiple terminals).

Our POS terminals are EMV (Europay, MasterCard, VISA) compliant, which means credit and debit card transactions can be authenticated. We have dedicated merchant sales teams and on-call engineers to visit your stores and head office regularly to take care of your concerns and ensure that your POS terminals are always in good working condition.

Experience why being a BDO-accredited merchant has become a necessity for many establishments. Be accredited with BDO and experience the convenience of the following benefits:

  • Increase in sales volume by accepting Credit and ATM/Debit card payments
  • Reduction in cash handling problems (e.g. shortages)
  • Payments automatically credited to merchant's BDO CASA account
  • Accessibility of daily payment report
  • Dedicated Call Center and Authorization Center for BDO merchants


BDO finds ways to satisfy BDO merchants' needs by providing the following:

  • Straight Payment - Over-the-counter or face-to-face transactions
  • Installment Payment Plan - Regular, zero percent or Buy Now, Pay Later

Cardholders can now have the flexibility to convert a regular purchase, in staggered payment, interest free!
Consumer lifestyle and shopping habits have been rapidly changing. Banks and stores have to acknowledge this by working together to provide increased spending power and flexible payment options. The Installment facility, traditionally used only for purchase of big-ticket items such as appliances, furniture, gadgets, etc. has evolved. Clothing and other basic necessities are now also offered on installment to become more affordable to the consumers. This facility is available to all BDO cardholders, the largest card base in the country.
This program will not just boost your store's sales but likewise benefit from the market we both serve.

  • Delivery/Events - Uses remote/wireless terminals ideal for delivery services, events and exhibits.

Refers to BDO's facility of card acceptance using the Point-of-Sale Wireless Technology which will be installed at your site to be used for deliveries, events or roadshows without the need of telephone access.

  • eCommerce - Internet/On-line transactions

The BDO Internet Payment Gateway Facility provides a standard internet connection for your company to securely and reliably send and receive payment authorizations allowing your customers to purchase goods and services from your internet site

  • Mail Order/Telephone Order (MOTO) - Cardholder Not Present transactions

This facility allows your company the privilege of accepting transactions that are called-in, mailed or faxed by your customers. As such, your company will be able to accommodate transactions without the presence of the cardholders at your establishment.

  • Recurring Payment System (RPS) - Merchants with continuous billing transactions like insurance premiums, subscription payments and club membership dues

The Recurring Payment System (RPS) Facility is used frequently by companies for "auto-debit-arrangements" with clients. This payment facility allows the company to process transactions which are recurring in nature such as periodic fees/charges.

BDO also provides acquired merchants the following Services:

  • Point of Sale (POS) terminal installation
  • Card acceptance and POS terminal usage orientation
  • Supplies
  • Terminal maintenance, servicing and repair
  • Merchant Services Call Center (with PLDT and Digitel toll-free number)
  • Merchant Online access - transaction reports for payment reconciliation available via web. Click here to view the BDO Merchant Online website.
  • Account Officers and Relationship Managers that monitors merchant's need

Frequently Asked Questions (FAQ)

How can I access the BDO Merchant Online?
Click here to view the BDO Merchant Online website.

How do I apply for accreditation?
Simply prepare the required documents then get in touch with us. We will have our representative visit you to pick up the documents. Or, you may also send the documents directly to the nearest BDO Merchant Acquiring office. Click here for the list of our contact numbers and addresses.

What are the required documents that need to be submitted?
Click here to see the complete list of documentary requirements.

How will my business benefit from being a BDO accredited merchant?
More and more people nowadays carry credit cards and ATM / debit cards instead of cash. Being a card-accepting merchant will  allow you to increase your sales as you are ready to handle more sale transaction opportunities.
For merchants, a card transaction is often more secure compared to other forms of payment like cash or check as it discourages  theft. It also minimizes the cost of handling cash/ check and register  imbalance. Before the existence of cards, merchants had to  evaluate their customer's credit worthiness before granting credit. This task is now performed by the bank.

How long is the processing time?
The standard lead time is around 7 working days from the date complete required documents are submitted. All applications are subject to evaluation and final approval of BDO.

I'm interested in straight payment. When will the POS terminal be installed and how is it used?
POS terminal installation will be scheduled as soon as your application is approved. Upon installation, our representative will train your store personnel on the card acceptance procedures and security features as well as proper use of the POS terminal.

What is Merchant Discount Rate (MDR)?
It is the percentage of the transaction amount that the acquiring bank charges to the merchant for providing the means by which cards are accepted for payment. This is minimal in comparison to the tremendous increase in sales that can be generated by your establishment due to acceptance of cards.

As a merchant, how will I be reimbursed?
BDO has a Merchant Direct Credit Facility that will allow crediting of proceeds to your BDO account (net of MDR and applicable withholding tax). You may open an account at any BDO branch or nominate your existing BDO account as your merchant settlement account. This allows faster receipt of your reimbursements. Click here to download the Merchant Direct Credit Facility form.

How can I reconcile my card transactions?
Viewing of transaction details in the web via our Merchant Online facility is available.

I'm already an existing BDO merchant. How do I apply for affiliation of my new branch? Or, request for changes?

Branch Affiliation (Same Legal / Corporate Name)
BIR Certificate of Registration for the new location and DTI (if legal name is different from the business name)

Change in Legal / Corporate Name
Similar requirements as new affiliation

Change in Signatory
New set of signed Merchant Agreement
Notarized Board Resolution / Secretary's Certificate of new Authorized Signatory
For Single Prop, same as new affiliation

Change in Address and Contact Details
Formal notification of changes, signed by the merchant plus any of the three: DTI, Mayor's Permit or BIR certificate of Registration for the new location


SBARRO now accepts CREDIT CARD and DEBIT CARD payments!

With the recent partnership between BDO and SBARRO, you can now enjoy Fresh Italian Cooking with the convenience of your Credit Card or Debit Card.  No need to worry about being short on cash when you want to indulge in your favorite pizza, pasta and other delectable Italian meals. Simply go to any Sbarro outlet nationwide!

Click here for the list of branches.

Makati Shangri-La, Manila is atAyala Avenue corner Makati Avenue,Makati City.
For bookings, please call (632) 813-8888.
Shangri-la's Mactan Resort and Spa, Cebu is at Punta Engaño Road, Lapu-Lapu, Cebu. 
For bookings, call (63) (32) 231-02898,
fax (63) (32) 231-1688 or email
The Intercontinental Manila is located at 1 Ayala Avenue, Makati City.
For bookings, call (632) 793-7000.
Amanpulo is in Pamalican island, Palawan.
For bookings, call (632) 976-5200 or email
The Marco Polo Davao is at CM Recto Street, Davao City.
For bookings, call (63) (82) 221-0888 extensions 7340 to 7342 or email
Boracay Regency is located at Station 2, Balabag, Boracay, Malay, Aklan.
For bookings, call (63) (36) 288-6111-117 or email You may also call their Manila office at (632) 523-1234 or email
Visit Mallberry Suites beside Robinsons Mall Limketkai Center, Cagayan de Oro.
Mo2 Westown Hotel is at Glicerio T. Pison, Benigno AquinoDrive, Mandurriao, Iloilo City.
For bookings, call (63) (33) 508-3838 or (033) 509-0202 to 03. You may also email
Garden Orchid is at Gov. Camins Avenue, Zamboanga City.
For bookings, call (63) (62) 991-0031 or email
Leyte Park Hotel is in Magsaysay Boulevard, Tacloban City, Leyte.
For bookings, call (63) (53) 325-6000, 325-5585 to 86, 325-7859. You may also email