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In the Philippines, a new business model is driving economic growth: self-service. Not just the economic factors, but the demographic benefits of introducing bill payment kiosks in the marketplace. Using kiosk payment machines is especially helpful for a significant number of the population, particularly the unbanked and underbanked.

Being able to perform bill payment transactions in cash using a bill pay kiosk whenever convenient and minus the need to stand in long queues is definitely appealing.

What is a bill payment kiosk?

A bill payment kiosk is a machine that enables consumers to pay their bills (utility, telco, etc.). The kiosk is like an automated cashier with the following key features:

Bill pay kiosks can be an in-store payment solution or an independent or freestanding kiosk on corners and alleyways. Having a kiosk on the premises allows streamlining the payment process which also empowers consumers to fulfill the needs on their own terms. 

As a self-service method of payment, the machines are available to consumers 24/7.

  • Touch screen with an intuitive interface

  • Bill acceptor

  • Cash box (up to 3,000 pcs capacity)

  • Thermal printer

  • Card dispenser

  • Code scanner (QR and bar)

  • RFID reader

  • Ergonomic gesture

Advantages of kiosks payment machines

Self-service bill payment kiosks offer a multitude of vantage points, expediting repetitive transactions and helping save more time. The kiosks save on resources in a non-intrusive way regardless of where it was put within the premises. Now, you can focus on other revenue-generating activities that provide maximized value to your customers.

Overall, these machines improve operational efficiency while reducing operational costs. 


Uses highly secured transaction processes for routine and advanced transactions


Processes payments in real-time and ensures necessary compliance


Accepts card, debit and credit cards, and check and e-checks


Mitigates risks associated with handling cash


Configures to the requirement of the brand or establishment


Eliminates the need for additional overhead while redirecting productivity


Enhances the payment experience 

End-user benefits of bill payment kiosks

Converting OTC transactions to more cost-effective self-service payment solutions has immense benefits for the consumers. Aside from total payment flexibility, the kiosks allow a more proactive financial management including avoiding late and reconnecting fees or dodging service interruptions.

There is no need to rely on a third-party processor such as a cashier. This minimizes the risk of errors since the end-users themselves are active participants in completing payments. Instead of neglecting the payment task on hand altogether, they willingly engage in the entire process.

Its high connectivity means it can be easily accessed as long as there is a connection. The kiosks allow the consumers to perform transactions without worrying about downtimes.

✓ Real-time payment data processing ensuring timely payments

✓ Secure one-time payment of all applicable merchant bills

✓ Savings from transaction processing cost (i.e. convenience fees)

✓ Safe, convenient, and efficient payment experience

✓ Accessible 24/7 and on extended hours (during holidays)

Industries that use bill pay kiosks

  • Utility providers

  • Telcos

  • Retail

  • Banks

  • Restaurants 

  • Airports

  • Government 

  • Corporation

  • Education

  • Gaming

  • Does the kiosk accept debit cards?
    Yes, most The proactive financial management should also of the self-service payment kiosks in the country accept various modes of payment such as cash, check and debit and credit cards. Also called machines or terminals, the kiosks have built-in bill and card acceptors as part of their hardware.
  • How does a kiosk work?
    As a self-service payment system that furthers its mission to bring payment convenience to every Filipino, a kiosk is used in settling financial transactions through the transfer of the needed amount. It is designed to collect money to pay for availing goods or services. In itself, a self-service payment machine also provides services by allowing consumers to process their payments right through its terminal.
  • Is an ATM a kiosk?
    An ATM is a kiosk, but there are actual kiosks that pertain to self-service payment solutions. In the Philippines, these are called automated payment machines or APMs. An APM processes targeted transactions such as payments (utility bills, goods and services, etc.), top-ups, and e-loads.
  • What are the disadvantages of kiosks?
    The advantages of kiosks are the possibility of servicing the customers 24/7, depending on the operating hours of the establishment where they are deployed and the actual placement (in-premise or off-premise). The kiosks are fitted with a user-friendly dashboard, allowing the users to complete transactions in no time. Whereas the disadvantages include dependence on an Internet connection. As of now, offline transactions are not supported. While there are no convenience fees, service fees apply. The amount depends on the biller or merchant.

eTAP can design and configure a bill pay kiosk that met your business needs. Simply choose the specs and features you want for a machine and we’ll deliver it to your facility. Let’s talk now!

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