UnionBank

UnionBank of the Philippines publishes its banking rails as an open API program. Agents read balances and transaction history, send InstaPay, PESONet, and RTGS transfers, pay bills and merchants, manage EON wallets and cards, and look up billers, branches, and forex rates.

Verified 193 actions Custom auth available

UnionBank website Platform Documentation Capability data verified 2026-08-25

An approved payment run leaves the ERP and reaches the agent as a batch of payees

The receiving bank list for the chosen rail confirms every beneficiary institution participates

Each payment goes out on its rail carrying its own sender reference id

Explain Response Code turns the two letter code in each response into a settled or in flight verdict

The status operation re-reads any payment that has not reached a final state

Unresolved payments post to the payments owner with reference ids and last observed codes

The payments owner decides whether to re-send under a new reference or keep waiting

What This Integration Enables

Most payment connectors put a processor between you and the banking system. This one does not. UnionBank publishes its own rails, so a FlowRunner agent reaches InstaPay, PESONet, PDDTS, and RTGS directly. Around them sit intrabank transfers, bills payment, merchant collection, refunds, loans and loan payments, EON wallet accounts and cards, and account opening, plus a long shelf of products the bank resells from insurers, airtime providers, and cash payout networks. If your business banks in the Philippines, this is the difference between automating around your bank and automating your bank.

That directness raises the stakes in one specific way, and the connector is built around it. UnionBank returns a two letter code in the response body, and the code meaning the money did not reach the beneficiary arrives with a successful HTTP status. Reading the status alone reports a failed payment as a paid one. The connectors layer reads the body, raises on the failure codes, and ships Explain Response Code so a flow branches on whether a payment is genuinely finished rather than on a string comparison. Every rail also carries a status operation keyed on your own sender reference id, so a payment can always be asked about again, which matters because two of the codes you will see most often are not final states.

Without FlowRunner

The status code read as the outcome An HTTP 200 is treated as a paid supplier, and a failed credit looks identical to a successful one

Runs assembled by hand Beneficiary details are retyped into a banking portal one screen at a time

Retries that pay twice A stuck transfer gets sent again because nobody could tell in flight from failed

With FlowRunner

The body decides, not the status Every transactional response is read for the code that says whether the beneficiary was actually credited

Runs assembled from the systems that own the data Payees, amounts, and references come out of the ledger and go onto the right rail

Retry becomes a decision A payment stuck in a non final state reaches a person with its reference id instead of being sent again

Use Case Scenarios

A supplier run that lands on the right rail

Approved bills leave NetSuite or Acumatica as a batch. The agent sorts each payment by beneficiary: a UnionBank account goes intrabank, another Philippine bank goes over InstaPay when the amount fits its per transaction cap, and the rest goes over PESONet, which settles by batch and carries no per transaction cap. Receiving bank lists confirm each institution participates before anything is sent. Every payment goes out under its own sender reference id, and the matching status operation confirms the beneficiary was credited before the bill is marked paid back in the ledger. The reconciliation happens because a machine did it, not because somebody remembered to check the portal.
Collections reconciled the same day they arrive

A customer pays through a merchant payment or a QR string generated by the agent. Check Merchant Payment Status confirms the collection, and Get the Settlement Data/consolidated Report gives the consolidated view the finance team reconciles against. The agent matches each settled payment to its open invoice in QuickBooks Online, posts the unmatched remainder into Slack with the reference ids attached, and leaves a person to resolve only the handful that did not match cleanly. Where a collection has to be reversed, Process Refund exists as its own operation with its own status to confirm.
A suspect card locked now, replaced later

A fraud signal reaches the agent from the transaction feed. Lock Card is immediate and reversible, so the agent takes it without asking anybody: the card stops working within seconds and Unlock Card undoes it if the signal was wrong. Replacing the card is not reversible, because a replacement issues a new number, invalidates the old one, and starts a delivery the customer has to wait for. So the agent locks first, gathers the wallet transaction history and customer details, and posts the case to the fraud desk in Microsoft Teams. The desk decides whether Replace Locked Card Linked to Account runs. The reversible half is automatic; the half that reaches the customer's pocket is not.

Human-in-Loop Highlight

The transfer rails have no cancel. There is no reverse-an-InstaPay operation, no undo on a PESONet batch, and no recall on an RTGS settlement, and once the beneficiary is credited the money is chased through a person rather than an API. That matters most at the moment a payment is stuck. UnionBank's received and in flight codes are not final states. A transfer sitting on one of them might be moments from crediting, or might have already failed. The only honest way to tell those apart is to keep asking, using the status operation keyed on your own sender reference id. Re-sending instead pays the supplier twice. So the agent never retries a payment on its own authority. It posts to the payments owner: "Payment PHP 184,500 to Northgate Supplies, sender reference AP-2026-0842, still reporting in flight after four status checks over ninety minutes. Re-send under a new reference, or keep waiting?" The agent has already done the routing, the bank validation, the sending, and the polling. The one call that can duplicate a payment with no way back belongs to a person, which is exactly what the digital andon cord is for.

Agent processes routinely

Detects exception requiring judgment

Clear match Continues automatically

Ambiguous Routes to human via preferred channel

Human decides

Agent resumes with decision

Agent Capabilities

193 actions

Response Codes and Signature Verification

Explain Response Code Translates one of UnionBank's two letter response codes into plain words, with flags for whether it succeeded and whether it is final. The operation a flow should branch on instead of comparing strings.
Verify Response Signature Verifies that a transaction made through the API is genuine. Used to confirm a response really came from the bank before acting on it.

Authentication and One-Time Passwords

Request Partner Access Token Mints an access token for a partner account, drawn on your own corporate funds with no user interaction.
Request Online Access Token Mints an access token for a linked customer account. The linking lifetime is what an ongoing integration wants, since the single use lifetime expires within the hour.
Generate Authorization Code for Access Token Generates the authorization code exchanged for an online access token after a customer consents.
Request OTP Requests a one time password for a merchant payment transaction.
Generate One-Time Password Generates a one time password and sends it to the nominated number.
Verify One-Time Password Verifies the one time password sent to the nominated number.

Accounts, Balances and Transaction History

Get Account Balance Checks the balance of a UnionBank account.
Retrieve Account Transaction History by UnionBank Returns the transaction history of a UnionBank customer account for the period you name.
Unlink Account Unlinks a UnionBank customer account, ending the consent that let a partner reach it.
Retrieve Customer Account Transaction History Returns a customer account's transaction history through the customer facing product family.
Retrieves the Account Balance of a UnionBank Customer Retail Account Returns the balance of a customer retail account.
Retrieve Partner Account Transaction History Returns the transaction history of a corporate account the partner holds. The usual source for a reconciliation flow.
Get Customer Bank Account Details Returns online banking account information used to identify the account holder.
Get Account Details Checks the status of a UnionBank account before anything is sent to it.

Intrabank Transfers

Transfer Funds to UnionBank Account Transfers funds from a partner corporate account to another UnionBank account. The cheapest rail when both sides bank here.
Check Intra-bank Funds Transfer via Partner Status (Intrabank Fund Transfer by UnionBank) Returns the status of an intrabank transfer, keyed on the sender reference id you supplied.
Transfer Funds to UnionBank Account via Partners Transfers funds from a partner's UnionBank account to another UnionBank account holder.
Check Intra-bank Funds Transfer via Partner Status Returns the status of a partner intrabank transfer.

InstaPay Transfers

Transfer Funds to non-UnionBank Account Through Instapay Sends a real time transfer from a customer's UnionBank account to another Philippine bank, within the per transaction cap InstaPay applies.
Check Instapay Inter-Bank Funds Transfer Status Returns the status of an InstaPay transfer by reference number. Worth calling until the code is final rather than assuming.
Retrieve List of Customer Instapay Libraries Returns the lookup values a customer InstaPay transfer needs, such as the purpose codes.
Retrieve List of Customer Instapay Receiving Banks Returns the participating institutions that can receive a customer InstaPay payment. Check the beneficiary bank here before sending.
Transfer Funds to non-UnionBank Account Through Instapay via Partners Sends a real time transfer from a partner's corporate account to another Philippine bank.
Check Instapay Inter-Bank Funds Transfer via Partner Status Returns the status of a partner InstaPay transfer by reference number.
Retrieve List of Partner Instapay Libraries Returns the lookup values a partner InstaPay transfer needs.
Retrieve List of Partner Instapay Receiving Banks Returns the participating institutions that can receive a partner InstaPay payment.

PESONet Transfers

Transfer Funds to non-UnionBank Account Through PESOnet Sends a batch transfer from a customer's UnionBank account to another Philippine bank. PESONet settles same day and applies no per transaction cap, which is why large payments route here rather than to InstaPay.
Check PESOnet Inter-Bank Funds Transfer Status Returns the status of a PESONet transfer by reference number.
Retrieve List of Customer PESOnet Receiving Banks Returns the participating institutions that can receive a customer PESONet payment.
Transfer Funds to non-UnionBank Account Through PESOnet via Partners Sends a batch transfer from a partner's corporate account to another Philippine bank.
Check Single PESOnet Inter-Bank Funds Transfer via Partners Status Returns the status of a single partner PESONet transfer.
Retrieve List of Partner PESOnet Receiving Banks Returns the participating institutions that can receive a partner PESONet payment.

PDDTS and RTGS Settlement

Initiate PDDTS Transaction Starts a PDDTS transaction, the rail used for USD settlement between Philippine banks.
Check Transaction Request Status (PDDTS Transfers by UnionBank) Returns the status of a PDDTS transaction.
Get Banks Returns the list of PDDTS receiving banks.
Initiate RTGS Transaction Starts an RTGS transaction, the rail used for large value peso settlement.
Check Transaction Request Status (RTGS Transfers by UnionBank) Returns the status of an RTGS transaction.
Get Banks (RTGS Transfers by UnionBank) Returns the list of RTGS receiving banks.

Partner Disbursement

Cash Transfer to Target Account Disburses funds to a target account, either within UnionBank or to another bank depending on the fields supplied.
Get Banks (Partner Disbursement by UnionBank) Returns the list of receiving banks available for partner disbursement.
Get Transaction Status Returns the status of a partner disbursement transaction.
Update Transactions Reports the outcome of a disbursement back to the bank, including whether the customer was credited or the beneficiary account was invalid.

Biller Directories

Retrieve List of UnionBank Billers Returns the billers UnionBank supports directly.
Retrieve List of UnionBank Biller References Returns the reference fields a given UnionBank biller requires. Read this before building a payment, because a missing reference is what makes a bill payment unmatchable.
Retrieve List of DA5’s Billers Returns the billers accredited through the Direct Agent 5 network.
Retrieve List of Multisys Billers Returns every biller supported through Multisys.
Retrieve Details of Multisys Biller Returns the details of one Multisys biller.
Retrieve List of Multisys Biller References Returns the reference fields a selected Multisys biller requires.
Validate Biller References Validates a set of biller references before a payment is sent. The partner maintains its own biller table, so this is the check that catches a stale entry.

Bills Payment

Pay Bills Online Pays a UnionBank biller nominated by an account holder.
Check Bills Payment Status (Customer Bills Payment) Returns the status of a customer bills payment by reference number.
Pay Bills Online via Partners Pays a UnionBank biller nominated by a corporate account holder.
Check Bills Payment via Partners Status Returns the status of a partner bills payment by reference number.
Pay Bills Online via Partners (Partner Bills Payment) Pays a UnionBank biller from a corporate account through the later partner bills payment family.
Check Bills Payment via Partners Status (Partner Bills Payment) Returns the status of a payment sent through that family.
Pay Bills via DA5 Pays a biller accredited through the Direct Agent 5 network.
Check Bills Payment Status via Direct Agent 5 Returns the status of a Direct Agent 5 bills payment.
Send Payment to Multisys Billers Pays a Multisys biller from a UnionBank corporate account.
Check Bills Payment Status Returns the status of a bills payment by reference number.

Cash Payout

Request Cash Payout Sends the information for a single cash payout request, so a recipient without a bank account can collect in cash.
Process Cash Payout Processes a submitted cash payout voucher request.
Check Cash Payout Status Returns the status of a cash payout by reference number.
Check Cash Payout Transaction History Returns previous cash payout transactions.
Cancel Cash Payout Cancels an unclaimed cash payout voucher. It only works while the voucher is still unclaimed, so the window closes the moment the recipient collects.
Generate Direct Agent 5 Cash Payout Information Sends the information for a Direct Agent 5 cash payout voucher request.
Retrieve Direct Agent 5 Cash Payout Fee Returns the fee that applies to an intended payout amount, so the cost is known before the voucher is created.
Check Direct Agent 5 Cash Payout Status Returns the status of a Direct Agent 5 payout by reference number.
Cancel Direct Agent 5 Cash Payout Cancels an unclaimed Direct Agent 5 payout voucher.
Generate Dragonpay Cash Payout Information Sends the information for a Dragonpay cash payout voucher request.
Retrieve List of Cash Payout by Dragonpay Libraries Returns the lookup values a Dragonpay payout needs, including the participating counters.
Check Dragonpay Cash Payout Status Returns the status of a Dragonpay payout by reference number.
Cancel Dragonpay Cash Payout Cancels an unclaimed Dragonpay payout voucher.

Merchant Payments, QR and Refunds

Receive Payment from UnionBank Account Accepts a payment from a UnionBank account holder into the merchant's account.
Check Merchant Payment Status Returns the status of a merchant payment by reference number.
Add and Generate P2M Instapay QR String Generates a person to merchant InstaPay QR string a customer can scan to pay.
Get the Settlement Data/consolidated Report Returns the consolidated settlement report, the view a finance team reconciles collections against.
Process Refund Refunds a collected payment. The one reversal in this catalog, and it applies to merchant collections rather than to the transfer rails.

UPay

Create Payment Request Creates a UPay payment request for a customer to settle.
Check Status Returns the status of a UPay payment request.
Get Billers Details by Uuid Returns a biller's details from its UPay identifier.
Get Billers References by Billers UUID Returns a biller's required reference fields from its UPay identifier.
Get Instapay Banks Returns the InstaPay banks available through UPay.
Get PESONet Banks Returns the PESONet banks available through UPay.
Get Privacy Policy Returns the privacy policy text the UPay flow has to present.

Wallet Top Ups

Top Up EON Prepaid Account Using a UnionBank Account Debits a UnionBank corporate or retail account and credits an EON prepaid wallet.
Check EON Prepaid Account Top Up Status Returns the status of that top up by reference number.
Top Up EON Prepaid Account Using UnionBank Corporate Account Debits a corporate account and credits an EON prepaid wallet through the partner family.
Check Status of EON Prepaid Account Top Up Using Corporate Account Returns the status of a corporate account top up.
Top Up CoinsPH via Partners Tops up a Coins.PH account from a UnionBank corporate account.
Top Up Paymaya via Partners Tops up a Paymaya account from a UnionBank corporate account.
Generate Reference Number Generates a reference number in the sandbox that mimics one produced by an end user's mobile app. A test helper, not a production step.
Get Transaction Details from Reference Number Returns the details of a top up request from its reference number, including the transaction id the next call needs.
Top Up Account via Transaction ID Tops up a GetGo prepaid account using the transaction id returned by the previous call.
Check Top Up Transaction Status Returns the status of a top up by sender reference id.
Process UnionBank Cash in Request Processes a cash in request to a UnionBank account.
Check UnionBank Cash in Request Status Returns the status of a cash in request by sender reference id.

EON Wallet Accounts and Customers

Create Customer Profile Creates a wallet customer profile.
Get Customer Details Returns the complete customer record from their card token.
Update Customer Profile Updates a customer profile. The fields used to match the customer identity cannot be changed here and require a supported request to the bank, and the operation changes values rather than clearing them.
Inquire KYC for Customer Profile Creation Request Status Returns the status of the credit investigation behind a profile creation request.
Create Virtual Account with a Linked Virtual Card (w/ UBP KYC) Creates a virtual account and linked virtual card where the identity check is performed by the bank.
Link New Physical Card for a New or Old Customer Links a physical card to a customer using the card number and their details.
Upgrade Prepaid Account Product Type Upgrades a prepaid account to the next account tier, which raises the limits that tier allows.
Retrieve Balance of EON Account Linked to Card Returns the balance of the EON account behind a card.
Retrieve Customer Wallet Transaction History Returns a customer wallet's recent transactions, paged from the last transaction id when there are more than one page.
Retrieve Mother Wallet Transaction History Returns the parent wallet's transaction history, which needs no card token.
Pay Biller Pays a nominated biller from a wallet, for utilities, loans, and similar obligations.
Transfer Funds from a Customer’s EON Account to Another EON or UBP Account Moves funds between EON and UnionBank accounts internally. The account tier decides the limits that apply.
Transfer Funds from Customer EON Account to Other Banks via InstaPay Sends funds from a wallet to another Philippine bank over InstaPay.
Transfer Funds from Customer EON Account to Other Banks via PESONet Sends funds from a wallet to another Philippine bank over PESONet.

EON Wallet Cards

Create Virtual Account with a Linked Virtual Card (no UBP KYC) Creates a virtual account and linked virtual card where the identity check sits with you rather than the bank.
Activate Virtual Card Activates a virtual card created without a bank performed identity check.
Retrieve List of Cards Linked to Customer Returns the cards linked to a customer.
Lock Card Locks a card immediately. Reversible, which makes it the right first move on a fraud signal.
Unlock Card Unlocks a previously locked card.
Replace Locked Card Linked to Account Replaces a locked card. The card must be locked first, the replacement issues a new number, and the old one stops working, so this is not something to undo.
Personalized Card Replacement Replaces a virtual card number with a personalized physical card number while keeping the original account number.
Update Cash Withdrawal Limit for Card Sets the cash withdrawal limit on a card.

Auto-Debit Arrangements

Request Schedule Requests an auto-debit schedule against a customer account, so a recurring charge can be collected without a new authorization each time.
Check Schedule Returns an existing auto-debit schedule.
Update Schedule Changes an auto-debit schedule, including its amount or frequency.
Toggle Subscription Switches an auto-debit subscription on or off.
Auto-Debit Payment Collects a payment against an existing auto-debit arrangement.
Check Transaction Request Status Returns the status of an auto-debit transaction request.
Retrieve Terms & Conditions Returns the terms a customer has to accept before an auto-debit arrangement is created.

Loans and Overdrafts

Generate Quote for Auto Loan Plan Returns amortization projections for an auto loan from the inputs supplied.
Retrieve List of Car Brands Returns the vehicle brands eligible for a UnionBank auto loan.
Retrieve List of Vehicles Returns the vehicles eligible for a UnionBank auto loan.
Generate Quote for Housing Loan Plan Returns amortization projections for a housing loan.
Process Salary Loan Request Submits a salary loan request to the lending partner.
Check Salary Loan Request Status Returns the status of a salary loan request by reference number.
Library Returns the lookup values the salary loan request form requires.
Retrieve List of Business Information Requirements Returns the business information a financing application has to supply.
Create Overdraft Account Creates an overdraft account for a customer.
Check Overdraft Account Status Returns the status of an overdraft account request.
Retrieve List of Overdraft Account Creation Libraries Returns the lookup values overdraft account creation requires, covering fields such as occupation, nationality, and source of funds.
Transfer Loan Payment Sends a payment against a UnionBank loan.
Check Loan Payment Status Returns the status of a loan payment by reference number.
Transfer ODA Loan Payment Sends a payment to settle an outstanding overdraft balance.
Check ODA Loan Payment Status Returns the status of an overdraft loan payment.
Process ODA Loan Availment Draws on an overdraft facility.
Check ODA Loan Availment Status Returns the status of an overdraft availment request.

Cards and Card Applications

Retrieve Availed Cards Returns the cards a UnionBank credit card holder has.
Retrieve Available Balance Returns a credit card holder's available balance.
Retrieve Full Statement Summary Returns a credit card holder's full statement summary.
Retrieve Statement Transactions Returns the transactions on a credit card statement.
Retrieve Unbilled Transactions Returns transactions not yet billed to a credit card statement, which is what a spend control flow needs to see.
Transmit UnionBank Credit Card Application Form Sends a completed credit card application to the bank's cards team for assessment.
Retrieve Valid Credit Card Application Form Values Returns the accepted values for a credit card application form, so a submission is validated before it is sent.
Transmit GetGo Debit Card Application Form Sends a completed GetGo debit card application to the cards team.
Retrieve List of Credit Card Promos Returns current credit card promotions.
Retrieve List of Credit Card Discounts Returns current credit card discounts.
Retrieve List of Debit Card Promos Returns current debit card promotions.
Retrieve List of Debit Card Discounts Returns current debit card discounts.

Account Opening

Create Application for New Customer Starts a digital savings account application for somebody who does not yet bank here.
Create Application for Existing Customer Starts a digital savings account application for an existing customer.
Update Application Details Updates an application in progress.
Get Application Details Returns an application's current details and state.
Submit Application to Create New Account Submits a completed application so the account can be created.

Insurance

Retrieve Igloo Digital Insurance Product List Returns the digital insurance products available from Igloo.
Retrieve Igloo Digital Insurance Product’s Plan List Returns the plans under one Igloo product.
Retrieve Igloo Digital Insurance Plan Add-ons Returns the add-ons available on a chosen plan.
Compute Final Igloo Digital Insurance Premium Returns the price of a customized policy, taking the plan, add-ons, and number of beneficiaries into account.
Purchase Igloo Digital Insurance Policy Forwards the policy order to Igloo.
Check Igloo Digital Insurance Policy Status Returns the status of a forwarded Igloo policy order.
Retrieve InLife Digital Insurance Product Lis Returns the active InLife digital insurance products.
Retrieve InLife Digital Insurance Product Details Returns the details of one active InLife product.
Purchase InLife Digital Insurance Forwards a paid order to InLife for activation.
Check InLife Digital Insurance Order Status Returns the status of an InLife order.
Cancel InLife Digital Insurance Order Forwards a cancellation to InLife.

Airtime and eGifts

Retrieve List of DTOne Supported Countries Returns the countries airtime can be sent to.
Retrieve List of DTOne Supported Operators for Country Returns the mobile operators supported in a country.
Retrieve List of DTOne Products for Operator Returns the airtime products available for an operator.
Send DT One Airtime Credits Sends airtime credits to a mobile number.
Check DT One Airtime Credits Purchase Status Returns the status of an airtime purchase.
Generate GiftAway eGift Generates an eGift from the details supplied.
Check GiftAway eGift Details Verifies an eGift transaction made through the API.
Resend GiftAway eGift Resends an eGift using its reference number, which is the recovery path when a recipient never received the first one.
Retrieve List of Merchants Returns the current GiftAway merchants.
Retrieve Merchant Info Returns the details of one GiftAway merchant.

Reference Lookups

Retrieve Branch Locations Returns the current list of UnionBank branches.
Retrieve ATM Locations Returns the current list of UnionBank ATMs.
Retrieve Foreign Exchange Rates Returns the currencies and exchange rates UnionBank is currently applying.
Foreign Exchange Performs a foreign exchange operation using the bank's rates.
Retrieve Savings Account Interest Rates Returns the bank's savings account interest rates.
Retrieve Time Deposit Interest Rates Returns the bank's time deposit interest rates.
Retrieve Forecasted Weather Information Returns forecast weather data, which the bank resells for logistics and agriculture workflows.

Sandbox

Create Sandbox Bank Account Creates a sandbox bank account for testing.
Retrieve Account Balance Returns the available balance of a sandbox bank account.
Replenish Sandbox Bank Account Balance Adds funds to a sandbox bank account balance.
Update Sandbox Bank Account Balance Sets a sandbox bank account balance to a chosen figure.

Frequently Asked Questions

What can FlowRunner do with UnionBank?

FlowRunner agents can run Explain Response Code, Get Account Balance, and Retrieve Account Transaction History by UnionBank in UnionBank, plus 190 more actions.

Does connecting UnionBank to FlowRunner require OAuth?

UnionBank uses a custom authentication method to connect to FlowRunner.

Can UnionBank trigger a FlowRunner workflow automatically?

UnionBank doesn't currently expose triggers in FlowRunner. It connects as an action step inside workflows started by another trigger.

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