Paying for a peptide test in the Philippines

No payment details are published anywhere on this site yet. When testing opens, the accepted methods will be listed on /pricing and on each test page. Until then, the test pages only collect an email address so you can be told when ordering starts.

Which payment methods will Tested.ph accept?

That is decided at launch, together with prices, and will not be announced anywhere before it appears on the site. Tested.ph does not endorse any bank, e-wallet or payment company, and this page names none.

How do bank transfers work in the Philippines?

Transfers between accounts at different institutions run through automated clearing houses set up under the Bangko Sentral ng Pilipinas (BSP) National Retail Payment System, which the BSP describes as a policy and regulatory framework for retail payments. The BSP's NRPS frequently asked questions name the two clearing houses it prioritised:

The aim the BSP sets out is interoperability: a user with a bank or electronic money account can transfer funds to an account at any participating institution. That is why you can usually send money from a bank app to another bank or to an e-wallet, and back, provided both institutions are participants. Check the fee and any limit in your own app before you pay.

How do e-wallets work?

An e-wallet holds electronic money, or e-money. The BSP's Manual of Regulations for Banks, Part VII defines e-money as electronically stored monetary value that, among other things, is pre-funded by customers, accepted as a means of payment by the issuer and others, issued against receipt of an equal amount of funds, represented by a claim on its issuer, and withdrawable in cash or transferable to accounts that are.

Three points from the same regulation matter to a payer:

• E-money is issued and redeemed at face value, and it is not considered a deposit. It does not earn interest.
• The rules cover e-money that can be spent with merchants other than the issuer. A closed-loop wallet, accepted only by the merchant that issued it, is outside that section.
• Issuers must disclose, among other things, all applicable fees and charges, the procedure for reporting lost or stolen e-money and lodging a complaint, their refund policy, and customer service contact details.

How should I pay any testing service safely?

1. Take payment details only from the service's own website, never from a message, a comment or a forwarded screenshot.
2. Check that the account name shown by your bank or e-wallet before you confirm matches the service you meant to pay.
3. Pay the exact amount shown for your order and keep the reference number your app gives you.
4. Never share a one-time PIN, password or full card number with anyone, including someone claiming to be from the service or a regulator.
5. Keep your receipt, order confirmation and any messages until the service has delivered what you paid for.

The BSP's complaint guide gives similar advice: it does not need your PIN, password, account number, card numbers, passbook or identification cards to process a complaint, and tells consumers not to share them.

What if a payment goes wrong?

If money leaves your account but the transfer fails, or you are charged twice, start with the bank or e-wallet you paid from. The BSP's guide on how to file a complaint sets out two levels:

1. Report the problem to the institution's own consumer assistance channel first. The BSP says all BSP-supervised institutions are mandated by law to have one as the first-level recourse.
2. If you are not satisfied with its response, escalate to the BSP's Consumer Assistance Mechanism through the BSP Online Buddy chatbot, on the BSP website or the BSP's official Facebook page. A reference number in the format the BSP specifies confirms the complaint has been logged.

The BSP mechanism covers disputes about the financial product or service itself, such as a failed transfer. A disagreement about the service you paid for, such as a test, is taken up with that service first. For suspected fraud or scams, the same BSP guide points consumers to law enforcement agencies, including the Philippine National Police, the National Bureau of Investigation and the Cybercrime Investigation and Coordinating Center.

Does what anyone pays change a result?

No. Vendors can pay for testing and for the Tested Verified badge, but nothing a vendor pays for changes a score, a grade or the order of the Tested Index. Only vials Tested.ph buys anonymously count toward the Index. Those are bought through each vendor's normal checkout and paid for like any customer's order. The rules are on how rankings work.

For a group test, the package price is divided equally among the buyers, rounded up to the nearest peso, so each person pays the same share for the same record.