1) For InstaPay, your transaction should be reflected immediately.
2) For PESONet: Transactions performed before 9:00 AM on a business day shall be processed by 2:00 PM within the same business day. Transactions performed before 3:00 PM on a business day shall be processed by 6:00 PM within the same business day. Transactions performed 3:00 PM onwards or on a non-business day (weekends / holidays) shall be processed within the next business day.
3) For Dragonpay: Transactions before the 1:00 PM cut-off will be processed by 11:59 PM within the same banking day. Transactions after cut-off, on holidays, or weekends will be processed within the next two (2) banking days.
We suggest waiting until the end of day before checking the account. You may also check with recipient bank for the status of the funds as posting time varies from bank to bank.