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You want to allow your users to spend the issued loan or credit line to merchants or stores by leveraging the QRPh Code.
You want to disburse loan proceeds from your Netbank Corporate Bank Account directly to the boorower’s: bank account in Netbank, bank accounts in other banks and e-wallets.
You want to receive loan payments from borrowers via bank transfer
That you can use to reinforce your payment products and processes. Click on any tile below to learn more and get started
Online Cash Lenders
(suitable for Online Cash Lenders)
This solution will allow you to:
Disburse Loan Via API
Our Understanding of Client Needs:
You want to disburse loan proceeds from your Netbank Corporate Bank Account directly to the borrower’s:
bank account in Netbank
bank accounts in other banks
e-wallets
as cash via over-the-counter transactions
As an alternative, you are open to the idea of opening a white-labeled Netbank bank account for each borrower to establish a working wallet within your app and brand.
The account where the loan proceeds can be disbursed to for free and real-time as an intra-bank fund transfer.
A bank account that is connected to the local payment rails so the borrower can cash out directly to other bank accounts/e-wallets
A bank account that is connected to a virtual/physical card that the borrower can use for payments
We currently have 10 clients who are currently using this solution:
Interested in this solution?
Click here to connect with our Solution Manager
Online Cash Lenders
(suitable for Payment Aggregators)
This solution will allow you to:
Our Understanding of Client Needs:
You want to receive loan payments from borrowers via seamlessly using a QR Solution
receive funds via Instapay(QRPH) straight into your Corporate Bank Account
You have a hard time tracking loan repayments via Instapay and Pesonet
The inter-bank fund transfer rails does not include enough data to indicate who made the transfer and for what purpose
This forces you to do manual reconciliation by asking for proof payment from the borrowers and matching it with your bank statements
Manual reconciliation creates delays and client UX concerns
charged penalties for late payments/reconciliation
Hassle of sending the proof of payment
You don’t want to deal with wrong reference number and expensive biller convenience fee.
The benefits that you get:
Easy Reconcilaition and payment tracking and enjoy real time settlement in all channels
We currently have 10 clients who are currently using this solution:
Interested in this solution?
Click here to connect with our Solution Manager
Online Cash Lenders
(suitable for Online Cash Lenders)
This solution will allow you to:
Scan and disburse to merchant even without EMI. Allow users to scan-to-pay using the loan app
Our Understanding of Client Needs:
You want to allow your users to spend the issued loan or credit line to merchants or stores by leveraging the QRPh code.
You want to have the capability to scan a QRPh code and initiate payment transactions with merchants using QRPh.
You want to add extra functionality to your lending app to encourage greater user engagement.
You want to incorporate features in your app similar to other leading e-wallets.
You want to understand spending behavior of your borrowers.
We currently have 10 clients who are currently using this solution:
Interested in this solution?
Click here to connect with our Solution Manager
MFIs
(suitable for MFIs)
This solution will allow you to:
Disburse Loan Via file upload
Our Understanding of Client Needs:
You want to disburse loan proceeds from your Netbank Corporate Bank Account directly to the borrower’s:
bank account in Netbank
bank accounts in other banks
e-wallets
as cash via over-the-counter transactions
As an alternative, you are open to the idea of opening a white-labeled Netbank bank account for each borrower to establish a working wallet within your app and brand.
The account where the loan proceeds can be disbursed to for free and real-time as an intra-bank fund transfer.
A bank account that is connected to the local payment rails so the borrower can cash out directly to other bank accounts/e-wallets
A bank account that is connected to a virtual/physical card that the borrower can use for payments
The benefits that you get:
Say goodbye to the traditional cheque payment and have a flexibility to send funds to the preffered account of the borrowers
We currently have 10 clients who are currently using this solution:
Interested in this solution?
Click here to connect with our Solution Manager
MFIs
(suitable for MFIs)
This solution will allow you to:
Our Understanding of Client Needs:
You want to receive loan payments from borrowers via seamlessly using a QR Solution
receive funds via Instapay(QRPH) straight into your Corporate Bank Account
You have a hard time tracking loan repayments via Instapay and Pesonet
The inter-bank fund transfer rails does not include enough data to indicate who made the transfer and for what purpose
This forces you to do manual reconciliation by asking for proof payment from the borrowers and matching it with your bank statements
Manual reconciliation creates delays and client UX concerns
charged penalties for late payments/reconciliation
Hassle of sending the proof of payment
You don’t want to deal with wrong reference number and expensive biller convenience fee.
The benefits that you get:
Easy Reconcilaition and payment tracking and enjoy real time settlement in all channels
The products within this solution:
Corporate Operating Accounts
Local Collect-via-VCA + QRPH
Local Collect-via-VCA
We currently have 10 clients who are currently using this solution:
Interested in this solution?
Click here to connect with our Solution Manager
BNPL
(suitable for BNPL)
This solution will allow you to:
Disburse Loan Via API
Our Understanding of Client Needs:
You want to disburse loan proceeds from your Netbank Corporate Bank Account directly to the borrower’s:
bank account in Netbank
bank accounts in other banks
e-wallets
as cash via over-the-counter transactions
As an alternative, you are open to the idea of opening a white-labeled Netbank bank account for each borrower to establish a working wallet within your app and brand.
The account where the loan proceeds can be disbursed to for free and real-time as an intra-bank fund transfer.
A bank account that is connected to the local payment rails so the borrower can cash out directly to other bank accounts/e-wallets
A bank account that is connected to a virtual/physical card that the borrower can use for payments
We currently have 10 clients who are currently using this solution:
Interested in this solution?
Click here to connect with our Solution Manager
BNPL
(suitable for BNPL)
This solution will allow you to:
Our Understanding of Client Needs:
You want to receive loan payments from borrowers via seamlessly using a QR Solution
receive funds via Instapay(QRPH) straight into your Corporate Bank Account
You have a hard time tracking loan repayments via Instapay and Pesonet
The inter-bank fund transfer rails does not include enough data to indicate who made the transfer and for what purpose
This forces you to do manual reconciliation by asking for proof payment from the borrowers and matching it with your bank statements
Manual reconciliation creates delays and client UX concerns
charged penalties for late payments/reconciliation
Hassle of sending the proof of payment
You don’t want to deal with wrong reference number and expensive biller convenience fee.
The benefits that you get:
Easy Reconcilaition and payment tracking and enjoy real time settlement in all channels
We currently have 10 clients who are currently using this solution:
Interested in this solution?
Click here to connect with our Solution Manager
BNPL
(suitable for BNPL)
This solution will allow you to:
Scan and disburse to merchant even without EMI. Allow users to scan-to-pay using the loan app
Our Understanding of Client Needs:
You want to allow your users to spend the issued loan or credit line to merchants or stores by leveraging the QRPh code.
You want to have the capability to scan a QRPh code and initiate payment transactions with merchants using QRPh.
You want to add extra functionality to your lending app to encourage greater user engagement.
You want to incorporate features in your app similar to other leading e-wallets.
You want to understand spending behavior of your borrowers.
We currently have 10 clients who are currently using this solution:
Interested in this solution?
Click here to connect with our Solution Manager
BNPL
(suitable for BNPL)
This solution will allow you to:
Expanding loan portfolio by leveraging local funds wirth Netbank
Our Understanding of Client Needs:
You want to offer loans in the Philippines, to clients already in your network
You will
bring clients
do operations, on-boarding, customer service, etc.
collections
You are looking for either:
a partner able to provide you regulatory cover, who can get you operational ASAP
a partner to provide you funding, so you can expand (while benefiting from keeping the credit risk)
The benefits that you get:
Easy access to local funds to scape up your loan portfolio without touching your own capital and not tapping other investors
The products within this solution:
Loan Chanelling
We currently have 10 clients who are currently using this solution:
Interested in this solution?
Click here to connect with our Solution Manager
SME
(suitable for SME)
This solution will allow you to:
Our Understanding of Client Needs:
You want to receive loan payments from borrowers via bank transfer
receive funds via PesoNet and Instapay straight into your Corporate Bank Account
receive funds via Physical Counters into your Corporate Bank Account
You have a hard time tracking loan repayments via Instapay and Pesonet
The inter-bank fund transfer rails does not include enough data to indicate who made the transfer and for what purpose
This forces you to do manual reconciliation by asking for proof payment from the borrowers and matching it with your bank statements
Manual reconciliation creates delays and client UX concerns
charged penalties for late payments/reconciliation
Hassle of sending the proof of payment
The benefits that you get:
Easy Recon and payment tracking and enjoy real time settlement in all channels
The products within this solution:
Loan Chanelling
We currently have 10 clients who are currently using this solution:
Interested in this solution?
Click here to connect with our Solution Manager
Not interested in any of these solutions?
View our list of products and craft your own solution
Netbank (A Rural Bank) Inc. is regulated by the
Bangko Sentral ng Pilipinas (BSP)
For any concerns, you may contact them directly at (02) 8708-7087 or email at consumeraffairs@bsp.gov.ph.
Deposits are insured by PDIC up to P500,000 per depositor.