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Funding a bill

HitPay Balance can’t be used to fund a Bill Pay transfer. Instead, you fund each transfer directly with PayNow, Bank Transfer, or QRPH (Philippines) - so the transfer to your vendor only happens once the bill is actually funded, not before. src=“/images/finance/bill-pay/make-payment.png” alt=“Make Payment screen with PayNow and Bank Transfer funding options” />

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Supported countries & currencies

Philippines-registered businesses currently have local payments only - international payments aren’t available yet for that market.
See the full Payout Network reference for the complete list of destination countries, rails, and transfer speeds.

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Payment scheduling

When creating a bill, you can set an optional Schedule Payment For date instead of paying immediately. As a MAS-regulated payment institution, HitPay must settle collected funds within a strict window rather than holding them indefinitely. For a scheduled bill, that means funding can only happen within a compliant window ahead of the scheduled date:
  • Local transfers - can be funded any time from 3 days before the scheduled date through the scheduled date itself
  • Foreign-currency transfers - can be funded up to 24 hours before the scheduled date, with the FX rate locked for that 24-hour period
Outside that window, the Fund Transfer button is disabled and shows when funding will open. Once you fund the bill within the window, it moves to Scheduled and pays automatically on the date you chose - no need to remember or come back to trigger it.

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If a bill isn’t funded or paid in time

As a MAS-regulated payment institution, HitPay must settle collected funds within 3 days. That means approval must be completed within 3 days of the bill’s funds being collected - if it stalls past that deadline, HitPay automatically returns those funds to your HitPay Balance and marks the bill Expired, no manual refund request needed. You’ll get a warning email one day before the deadline if a bill is still waiting on approval, and a follow-up notification once funds are returned. An expired bill can be reprocessed at any time - just create a new bill or resubmit. For what each status means, see Bill statuses.
Last modified on September 17, 2026