Automate how your money moves.

A workflow is a set of rules that moves money automatically when a condition is met with no manual approvals, spreadsheets, or one-off transfers. In PayMongo Workflows, you define a trigger (an event or a schedule), add steps like Send Money, Compute, or Get Wallet Balance, and funds move on their own between wallets, merchants, and bank accounts.

Payouts move based on your schedule — daily, weekly, biweekly, or monthly. Once released, funds credited to a PayMongo Wallet arrive instantly, while transfers to external bank accounts land the same day or within 1 to 2 banking days depending on the receiving bank. Workflows routes each external transfer automatically (real-time via InstaPay where eligible, PesoNet for larger amounts) and queues anything past cutoff for the next available batch.

Disbursement is the actual release of funds from your account to someone else's — a seller, driver, agent, supplier, or employee. Workflows automates the whole cycle: it checks balances, computes the amount you set on your workflow, and releases the disbursement on a trigger or schedule, so your ops team isn't building batch files every cutoff.

A split payout divides a single payout transaction across multiple recipients — for example, 85% to the seller and 15% to the platform. With Workflows, the split logic runs the moment the payout is deposited, and each party's share is routed to their wallet or bank account without anyone computing it manually.

You can change workflow logic without redeploying code. Rules live in the workflow, not in your codebase. You'll still need a developer for the initial API connection to your wallets and transfers, but ops and finance teams can adjust triggers, amounts, and schedules after that. For more information, you can read through our Workflow documentation here: https://docs.paymongo.com/docs/fiaas-workflows

Yes. PayMongo is regulated by the Bangko Sentral ng Pilipinas, and the platform is PCI-DSS Level 1 compliant, SOC-examined, and registered with the National Privacy Commission. Every workflow run is logged, so each transfer is traceable and reconcilable.

Workflows is built for platforms that move money across multiple parties — marketplaces, gig and ride-hailing platforms, lending and insurance platforms, and multi-vendor SaaS. Pricing is quoted per use case based on volume and rails; talk to our team to scope your setup.