PayMongo
TELCO & UTILITIES

Automate your utility collections and partner payouts in one place

Accept payments via QR Ph, cards, and e-wallets, then use Workflows to automatically split revenue with station owners or landlords. Reliable APIs built for high-volume kiosks and dispensers.

BSP-Regulated Operator of Payment System • PCI-DSS Compliant
Telco and utilities payment solutions

Managing utility payments shouldn't be a manual full-time job

Slow confirmations trigger service interruptions

In the utility sector, a payment is the "on" switch for your service. If your system doesn't provide instant notifications, customers stay in the dark. Delayed confirmations for load or bill payments lead to high support volumes and frustrated subscribers.

15% increase in support costs due to payment syncing delays

Fragmented channels hide your real-time cash flow

When payments are split across physical centers, bank transfers, and e-wallets, your data is siloed. Without a unified view, identifying unpaid accounts or low load balances becomes a manual, time-consuming search across multiple platforms.

2–3% revenue leakage from manual matching errors

Manual revenue splitting drains finance resources

Calculating and dispersing commissions to sub-agents or retail load partners is a weekly headache. Relying on spreadsheets to split payments between your main office and third-party providers leads to payout delays and reconciliation disputes.

20+ hours of manual finance work per week

Streamline your utility payment operations

Instant payment notifications for immediate reconnection

Provide the real-time experience your subscribers expect. Whether it's a mobile load top-up or a water bill payment, our platform sends an instant confirmation to your system the second a transaction is successful.

Instant Syncing — Trigger service activation without manual checks
All-in-One Acceptance — Accept QR Ph, e-wallets, and cards
Customer Peace of Mind — Automated SMS or email receipts

A single dashboard for your entire collection network

Stop logging into multiple portals to track your cash flow. Consolidate every payment—from physical payment centers to digital apps—into one unified view. Monitor load wallet balances across your territory in real-time.

Unified Reporting — View all transaction data from one source
Real-time Monitoring — Track collection trends as they happen
Smart Reconciliation — Match payments to accounts automatically

Automate partner payouts with programmable workflows

Turn a week's worth of spreadsheet work into an automated process. Use Workflows to automatically split incoming utility payments and route commissions to sub-agents, franchisees, or retail partners.

Automated Fund Routing — Split revenue by percentage or flat fee
Hands-free Payouts — Move funds to banks or e-wallets instantly

Automate your utility payments in 3 steps

Connect your billing system
STEP 11–2 Days

Connect your billing system

Integrate the PayMongo API to your customer portal or biller network. Use our test environment to ensure that the moment a payment is made, your system is notified instantly—meaning no more manual checks and no more customers left in the dark.

Collect and centralize payments
STEP 2Instant

Collect and centralize payments

Your customers pay via QR Ph, cards, or e-wallets. Whether it's a recurring monthly bill or a one-time top-up at the pump, every transaction is captured in real-time and visible on a single, unified dashboard.

Automate revenue splitting
STEP 3Recurring

Automate revenue splitting

Set up a Workflow to automatically route funds. The moment a payment is confirmed, PayMongo splits the revenue and sends payouts to station owners, landlords, or franchisees—no manual bank transfers required.

Frequently asked questions

Transition to a frictionless collection cycle

Replace manual reconciliation and service delays with a single, automated integration. Join the utility and telco providers scaling their operations with bank-level security and 24/7 payment syncing.