The Future of Programmable Finance in South East Asia
Move money with precision and power
Track, orchestrate, and automate complex financial flows
—powered by ledgers, wallets, transfers, and APIs.
Legacy payment systems are siloed. PayMongo gives platforms programmable primitives for real-time orchestration.
Modern Money Movement
for Modern Platforms
Track every transaction with precision
Record and reconcile financial events in real time using a programmable general ledger—your system of record for balances, flows, and audit trails.
Business impact
Enterprise customers reduce monthly close time from 5 days to 4 hours with automated ledger reconciliation.
Unlimited Sub-ledgers
Scale horizontally by assigning ledgers per user, per product, or per use case.
Built for Accuracy
Ensure complete traceability of every debit, credit, and balance change.
Foundation for Everything
All Money Movement modules—wallets, transfers, reconciliation—anchor to the Ledger.
Automated Reconciliation
Match ledger entries to real bank events with ease.
Move money across destinations
Trigger instant or scheduled payouts to bank accounts, e-wallets, or reserve funds—across fiat, stablecoins, or local rails.
Business impact
Marketplaces using our transfer engine see 40% reduction in payout support tickets and 99.8% settlement success rates.
Global Payouts
Disburse funds to users or partners anywhere in the world.
Flexible rails
Send funds via bank, e-wallet, QR, or remittance endpoints.
Mass Disbursement
Send high-volume payouts to diverse recipients in one go.
Marketplace Support
Split and settle funds to multiple parties with logic and delay conditions.
Flexible storage and spending of funds
Issue platform-native wallets for users, partners, or teams. Enable closed-loop flows, disbursements, and P2P transfers.
Business Impact
E-commerce platforms see 35% increase in GMV when implementing wallet-to-wallet transactions for repeat purchases.
Multi-Wallet Support
Segment balances for several use cases: personal, business, escrow.
Closed-Loop System
Enable users to reuse funds across your own platform.
Reward & Loyalty Ready
Issue and redeem credits, cashback, or rewards seamlessly.
Secure and Auditable
Track every wallet transaction and balance in real time with real-time fraud detection.
Connect to your preferred payment rails
Unifying access to multiple payment methods across South East Asia. One integration, endless possibilities for how your users pay and get paid.
Business Impact
Fintech companies reduce integration time by 70% and expand to new markets 5x faster with a unified connectivity layer.
Regional Payments
Banks, e-wallets, cards, QR codes, and alternative payment methods across South East Asia.
Unified API
One integration to rule them all. Add new payment methods without additional development
Real-time Status
Monitor payment rail health and automatically route around issues.
Compliance Ready
Pre-built compliance for PCI-DSS and SOC 2 Type 2 Certification.
Orchestrate complex financial logic
Build conditional workflows that automatically trigger actions based on events, amounts, user types, or custom business rules.
Business Impact
Operations teams reduce manual work by 90% and eliminate human errors in payment processing workflows.
Visual Builder
Drag-and-drop interface to create complex financial workflows without code.
Event-driven Triggers
React to any system event, transaction, or external webhook in real-time.
Conditional Logic
Branch workflows based on amount, user type, risk score, or custom criteria.
Audit Trail
Complete visibility into every workflow execution and decision point.
Close your books faster with automated matching
Automatically match ledger entries with bank statements, payment confirmations, and third-party reports. Handle exceptions with smart suggestions.
Business Impact
Finance teams reduce month-end close time from 5 days to 4 hours with 95%+ automated matching accuracy.
Intelligent Matching
AI-powered algorithms match transactions across multiple data sources automatically.
Real-time Processing
Reconcile transactions as they happen, not at month-end.
Exception Handling
Smart suggestions for unmatched items with built-in approval workflows.
Audit Reports
Generate compliance-ready reports for auditors and regulators.
Unified Stack
One platform.
Complete financial infrastructure.
Replace multiple vendors with a unified architecture that scales with your business needs.
Why choose unified architecture over point solutions?
70%
Faster integration
Compared to multiple vender approach
99.8%
Settlement success rate
Enterprise-grade reliability
₱2.4B
Faster integration
Compared to multiple vender approach
Single API Layer
RESTful endpoints
Ledger
Single Source of Truth
Wallets
Stored Value Management
Transfers
Money Movement
Connectivity
Unified Payment Rails
Workflows
Automation Engine
Reconciliation
Auto-matching
Purpose-built for modern platforms
Whether you're building a marketplace, SaaS, or operating cross-border,
Money Movement can be use across several verticals.
Built for marketplaces that move money
From emerging marketplaces to global platforms, modern companies need more than just payments—
they need control over how money flows across their ecosystem. That’s where Money Movement comes in.
Key Modules
Escrow Wallets
Hold funds until a delivery or service milestone is met to reduce risk and build trust between buyers and sellers.
Split Payouts
Automate revenue distribution across sellers, vendors, and platform fees.
Dispute Resolution
Manage exceptions like refunds and disputes with programmable rules.
How It Works
Customer pays
Step 1
Funds held in escrow
Step 2
Order delivered
Step 3
Auto-split to seller
Step 4
"PayMongo reduced our payout time from 7 days to instant, increasing seller satisfaction by 40%."
Maria Santos
Head of Operations, ShopSEA Marketplace
₱12B+
Monthly GMV
3x faster payouts
Built for SaaS platforms that automate financial flows
Subscription platforms, vertical SaaS, and software marketplaces need to manage usage-based billing, partner splits, and embedded wallets. Money Movement powers these workflows out-of-the-box.
Key Modules
Wallets
Enable prepaid wallets that release funds based on usage, milestones, or automated triggers.
Ledgers
Handle partner commissions or third-party disbursements at scale.
Reconciliation
Match incoming payments with account balances and service consumption—without spreadsheets.
How It Works
Customer pays
Step 1
Funds held in escrow
Step 2
Order delivered
Step 3
Auto-split to seller
Step 4
"PayMongo reduced our payout time from 7 days to instant, increasing seller satisfaction by 40%."
Maria Santos
Head of Operations, ShopSEA Marketplace
₱12B+
Monthly GMV
3x faster payouts
Built for platforms that move money across borders
Cross-border platforms require the ability to hold, convert, and disburse funds compliantly.
Money Movement lets you localize payout experiences while retaining central control.
Key Modules
FX Wallets
Allow users to hold and convert funds in multiple currencies.
Local Payouts
Pay out to global users in their preferred methods—bank, e-wallet, or card.
Transaction Controls
Enforce limits, thresholds, and compliance logic per region.
How It Works
Customer pays
Step 1
Funds held in escrow
Step 2
Order delivered
Step 3
Auto-split to seller
Step 4
"PayMongo reduced our payout time from 7 days to instant, increasing seller satisfaction by 40%."
Maria Santos
Head of Operations, ShopSEA Marketplace
₱12B+
Monthly GMV
3x faster payouts
PayMongo
Trusted by Southeast Asia's disruptive businesses
500k+ daily transactions
99.97% platform uptime
PCI-DSS and SOC2 Type 2 Compliance Ready
Frequently Asked Questions
What is PayMongo's Money Movement product?
How is this different from PayMongo's usual checkout or payments service?
What can I build with Money Movement?
Do I need a developer to do this?
Ready to move money your way?
Join Southeast Asia's fastest-growing platforms. Transform your financial stack with programmable flows.
500k+ daily transactions
99.97% uptime SLA
24/7 technical support