Launch a wallet for every driver, rider, and restaurant—without an EMI license
PayMongo holds the EMI license. You get a fully documented API to issue wallets and a Workflow engine to split payments automatically between your platform, drivers, and restaurant partners.
What\u2019s standing between you and your wallet infrastructure
Licensing delays block your launch by months
Getting a BSP EMI license takes 6 months at minimum—and closer to a year or more in practice. That’s before you’ve written a single line of wallet code. Every month you wait is a month your drivers and partners are using workarounds. Your competitors aren’t waiting.
Banking rails cost and complexity add up fast
Connecting to InstaPay and PESONet isn’t just a technical problem. It’s a commercial one. The setup costs, the bank negotiations, the compliance requirements—it all adds up before you’ve moved a single peso. Platforms that build this themselves spend months on initial setup alone.
Reconciliation doesn’t scale with your network
Every split payment creates a bookkeeping problem. Who got paid what. When. From which transaction. Doing this manually across hundreds of drivers and restaurants doesn’t scale. Finance teams spend hours reconciling payouts that should be automatic. Errors create disputes that erode trust.
Wallet infrastructure that scales with your network
Wallet as a Service
Your drivers, riders, and restaurant partners each get their own wallet. You issue them via API. No EMI license application. No BSP approval queue. No waiting. Your wallet infrastructure is live the day you integrate.
Programmable payment workflows
Define your payment splitting logic once. PayMongo Workflows routes every transaction automatically—platform fee, driver payout, restaurant settlement. Your engineers use Workflow building blocks to architect failure handling the way your business requires.
Transfers via InstaPay and PESONet
Your drivers and restaurant partners can transfer money out of their wallet to any bank or e-wallet in the Philippines. They can also pay using QR Ph P2M at any merchant that accepts QR. The money is theirs to use—not locked in a closed system.
From signup to first live transaction in weeks
Sign up and get your API keys
Create a PayMongo account and get your API keys immediately. Read the Wallet and Child Account docs. Your development environment is ready the same day.
Integrate wallets, transfers, and workflows
Add wallet issuance and onboarding to your app using the Child Account API. Connect the Wallet and Transfers API for funding, balances, and payouts. Build your splitting logic using Workflow building blocks.
Go live and move money
Every transaction splits automatically. Drivers and restaurant partners see their balance in real time. They transfer out via InstaPay or PESONet, or spend directly using QR Ph. Your finance team exports the full transaction log.
Trusted by logistics and delivery platforms 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.
