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^^have not tried dragonpay before but if you choose that (debit, then dragonpay), it will require you to choose your online banking account (e.g. BDO) and type in the username and password of your online banking account. seems risky to me but the dragonpay website says the transactions are safe. I read in their website that you can also choose your bank then click continue and pay over the counter sa bank branch.IMO the P75 pesos additional fee for credit card use is still cheap compared to the hassle of otc payment and risks of trying a new payment method. hope this helped sis.