Five to seven separate tools, contracts, and fees. One platform covers all of them.
Replaced by one platformAcceptance only
Transaction fees
Automated reconciliation
₱30,000–60,000+ / mo
Reminders, collections, recurring
₱30,000–120,000 / mo
Bulk disbursements
Per-payout fees
Virtual accounts
Per-bank setup
Fraud protection
₱40,000–60,000+ / mo
Reporting & visibility
₱8,000–40,000 / mo
No platform fee. We only earn through the transactions.*
*Except payment reminders (SMS and email sending), which are consumable. Tool costs are indicative monthly list prices of the platforms available to Philippine enterprises for these functions (USD-denominated global vendors), converted at ~₱57 = US$1, August 2026. Actual costs vary by volume and contract.
See how settlement, reconciliation, reliability, and integration stack up across providers.
| Capability | | Typical payment gateways |
|---|---|---|
| Payment Acceptance | Built-in | Built-in |
| Collections & Payment Reminders | Native and coordinated | Merchant managed or manual |
| Bulk & Multi-channel Collections | Native | Partial or fragmented |
| Virtual Accounts | Native | Limited or separate |
| Disbursements | Native | Add-on or separate module |
| Reconciliation | Unified with collections | Manual or external |
| Settlement Behavior | Same-day where rails allow, fully visible in-system | T+1 to T+3, opaque until payout |
| Payment Lifecycle | One coordinated system | Disconnected tools |
| Time to Operational Use | Days to weeks | Weeks to months |
| Operational Reliability | Designed for zero-failure tolerance | Best-effort uptime guarantees |
Included, works natively Partial, add-on or slower Manual or not included