Solutions that we offer

• Disburse loans via API.
• Collect loan repayments through 7Eleven and other ECPay channels.
• Collect loan repayments by displaying a Dynamic QRPH code.
• Enable QRPH scan-to-pay usage for borrowers through the lending app.

Client Needs

• Disburse loan proceeds from your Netbank Corporate Bank Account directly to the borrower’s Netbank account, other bank accounts, e-wallets, or cash-out channels.
• Establish wallet-linked Netbank accounts for borrowers within your app and brand.
• Receive repayments via seamless collection rails without relying only on manual bank transfer tracking.
• Enable borrowers to spend their issued loan or credit line with merchants using QRPH.
• Improve user engagement and understand borrower spending behavior.

Benefits

• Free and real-time intra-bank fund transfers where applicable.
• Reduced reconciliation delays and fewer client UX concerns.
• Better payment tracking across collection channels.
• Additional app functionality that can improve borrower engagement.

Solutions that we offer

• Disburse loans via file upload.
• Collect loan repayments through 7Eleven and other ECPay channels.
• Collect repayments with embedded QRPH codes on the statement of account.
• Support collection via virtual collection accounts.

Client Needs

• Disburse loan proceeds from your Netbank Corporate Bank Account to borrower bank accounts, other banks, e-wallets, or cash-out channels.
• Move away from cheque-based disbursement processes.
• Receive borrower payments through structured collection rails.
• Reduce manual tracking of Instapay and Pesonet repayments.
• Minimize reconciliation delays and proof-of-payment follow-ups.

Benefits

• Flexible loan release to the borrower’s preferred account.
• Easier reconciliation and payment tracking.
• Real-time settlement visibility across supported channels.
• Reduced operational burden from manual matching.

Solutions that we offer

• Disburse loans via API.
• Collect repayments through 7Eleven and other ECPay channels.
• Display Dynamic QRPH codes for repayment collection.
• Enable QRPH scan-to-pay for merchant transactions.
• Support portfolio growth through loan channeling.

Client Needs

• Disburse loan proceeds directly to bank accounts, e-wallets, or cash-out channels.
• Allow users to spend issued loans or credit lines with merchants using QRPH.
• Receive repayments through collection rails that reduce manual tracking.
• Add app features that improve user engagement and spending visibility.
• Access local funding support to scale loan portfolios in the Philippines.

Benefits

• Better repayment tracking and reconciliation.
• Improved borrower payment experience.
• Greater user engagement through QRPH-enabled spend use cases.
• Ability to scale loan portfolio without relying solely on own capital.

Solutions that we offer

• Collect loan repayments through Virtual Collection Accounts.
• Support easy payment confirmation for borrower repayments.
• Collect repayments with embedded QRPH codes on statements of account.
• Support SME loan channeling use cases.

Client Needs

• Receive loan payments from borrowers via bank transfer.
• Track repayments across Instapay and Pesonet more efficiently.
• Reduce manual reconciliation and client UX concerns.
• Improve visibility across repayment channels.

Benefits

• Easy reconciliation and payment tracking.
• Real-time settlement visibility across supported channels.
• Reduced manual operations for repayment matching.
• Cleaner borrower payment confirmation flows.