Launch QR Ph payments for your platform — without building the infrastructure from scratch.
PayMongo gives fintech startups, neobanks, and digital platforms direct access to QR Ph and Instapay through a single API integration. No EMI license to acquire. No additional teams to build. No 12–18 months of infrastructure development. Just connect and go live.
PayMongo is BSP-regulated, PCI-DSS Level 1 certified, and protected by enterprise-grade security — so your customers' payment information stays safe on every transaction.
Building QR Ph from scratch costs 12–18 months you don't have
Getting the licenses and compliance right takes over a year
Offering QR Ph and Instapay services requires an Electronic Money Institution license from BSP, plus the compliance infrastructure to maintain it. Acquiring that license alone takes 12–18 months, and that’s before you build the actual payment systems your platform needs.
The infrastructure investment is enormous — and it never stops
Direct Instapay integration requires dedicated engineering teams, compliance officers, security audits, and ongoing maintenance. Every peso spent building and maintaining payment rails is a peso not spent on your core product.
Legacy banking infrastructure wasn’t built for the speed your platform needs
Traditional bank integrations move slowly — slow onboarding, slow settlement, slow API responses. Your sub-merchants and end users expect real-time payment confirmation. Legacy rails can’t deliver that reliably at scale.
PayMongo's QR Ph infrastructure gives your platform a direct, licensed, and compliant path to Instapay — so you can go live in weeks, not years.
QR Ph infrastructure your platform can build on — starting today
Go live on QR Ph without acquiring a single license
PayMongo holds a direct integration with Instapay and an Electronic Money Institution license from BSP. When you build on PayMongo’s infrastructure, you inherit the compliance, the regulatory standing, and the Instapay connectivity — without the 12–18 month acquisition process.
Build your exact use case with flexible APIs
PayMongo’s QR Ph APIs support both dynamic online QR codes and static in-store QR codes — giving your development team the building blocks for any payment flow your platform requires.
Use only what you need — and combine as you grow
PayMongo’s infrastructure is modular. Start with QR Ph payments for your sub-merchants and add additional capabilities as your platform scales. You pay for what you use. You build what you need.
From API keys to live QR Ph payments — in weeks, not months
Create your PayMongo account and get API keys
Sign up at paymongo.com and your sandbox API keys are available immediately. Your development team can start making QR Ph API calls and testing payment flows the same day — no license approval, no compliance review required to begin building.
Build and test your QR Ph payment flow
Use PayMongo’s QR Ph API documentation to integrate dynamic or static QR code generation directly into your platform. Build your use-case and money flows.
Go live and start processing for your sub-merchants
Go live on your platform. PayMongo’s infrastructure handles settlement, compliance, and Instapay connectivity — your platform handles the experience.
No bank integration project. No compliance team to hire. No middleware to maintain. Your developers get direct access to QR Ph from day one — and PayMongo manages everything underneath.
QR Ph infrastructure built for platforms that can't afford downtime
PayMongo holds an Electronic Money Institution license from Bangko Sentral ng Pilipinas and a direct integration with Instapay. Your platform inherits that regulatory standing the moment you connect.
Trusted by thousands of businesses across the Philippines
PayMongo is BSP-regulated, PCI-DSS Level 1 certified, and protected by enterprise-grade security — so your customers' payment information stays safe on every transaction.
