Most business owners think of a payment as one event. The customer pays, and you get paid. In reality those are two separate things, and they can happen days apart. A lot of cash flow headaches start in the gap between them. The approval part is quick. A few companies
Payment methods look like features. You add GCash, then Maya, then cards, the way you'd add a size filter to a product page. Underneath, each one is its own business relationship, with a separate contract, its own approval process and its own way of sending you money. That&
Seeds for Thought
If you run a wholesale or distribution business in the Philippines, buyers regularly ask for time to pay. A new reseller wants to stock your products but settle the invoice 30 days after delivery. Say no, and they may buy from the supplier down the road. Say yes, and you
A business can be profitable on paper and still struggle to make payroll. The usual reason is accounts receivable: revenue that has been earned and recorded but not yet collected. For growing businesses in the Philippines, where B2B customers commonly pay on 30 to 60-day terms, the gap between
Twenty years ago, running a restaurant in the Philippines mostly came down to where you were and how good the food was. You picked a spot with good foot traffic, put up a sign and hoped the neighbors would tell their friends. Even ten years ago, a Facebook page and
If you run a physical store in the Philippines, there's a good chance you already sell online and just don't call it that. A regular message to your Facebook page to ask if you still have a size in stock. Someone sends a GCash screenshot, and
Seeds for Thought
BillEase started offering installments on Lazada in 2017, back when most Filipino online shoppers were still paying cash to a courier at the door. Cashalo and TendoPay showed up the following year. None of it made much noise at the time. The product was mostly used by people buying phones
Seeds for Thought
If you run a small business in the Philippines and have never been approved for a bank loan, you have plenty of company. In the BSP's 2025 Consumer Finance and Inclusion Survey, 25% of Filipino adults had an outstanding loan. Formal lenders accounted for 16% of adults. Banks,
Merchant Stories
Finina Marie Tugade-Castillo will tell you upfront: she's a mushroom enthusiast. She says it without apology, and she means it as an invitation. The nine-year passion project that became Troop Mushrooms began with a documentary — Paul Stamets' Fantastic Fungi — and a childhood spent in Canadian
Thoughts, stories and ideas.
You signed up, you got the confirmation email, and then the dashboard asked for a selfie and a copy of your DTI certificate. If that is where you stopped, you are not alone. Verification is the single step where most new merchants stall. Perhaps there is a lack of what
Oftentimes, a finance team has a drawer or safe with a small amount of cash set aside for everyday expenses, such as Grab rides to a client meeting, food for a team that stayed late, or small fees from vendors who only accept cash. These are all common examples of
What started with a gifted perfume bottle turned into a mission to champion local craftsmanship. To avoid steep marketplace fees, Perfume Vault MNL integrated PayMongo for seamless checkouts. Discover how fintech helps bring Filipino scents to a global stage.
Selling on renowned e-commerce sites like Shopee, Lazada, and TikTok Shop gives you the clout and the brand awareness, but it comes with a price – quite literally. As you may already know, selling items on these platforms does not mean you will get the exact amount you sold it
Most of the attention in Philippine payments goes to money coming in. Card rates, GCash, QR Ph, checkout conversion. Fair enough. But every business also has a money-out problem, and it is usually the messier half of the ledger. Payroll every 15th and 30th. Contractor invoices. Supplier terms. Refunds
The restaurant customer journey begins before a guest reaches your door and continues after they leave. It starts with a search query and ends with a decision about whether to return. Most operators manage the middle of that journey closely and leave the edges unmanaged. Food quality, plating, and floor
Most business permit applications don't get rejected. They get sent back; one missing barangay clearance, one unnotarized lease contract, one trip to city hall wasted. The business permit requirements in the Philippines are not complicated. They are just spread across four different offices, and nobody hands you a
72% of surveyed Filipino consumers were targeted by a digital fraud attempt between August and December 2025. The global figure was 53%. That gap is not just a consumer problem. Every one of those attempts can have a business on the other side of it: a seller shipping goods against
From original hits to packed lobby booths, Barefoot knows passionate storytelling needs seamless operations. With PayMongo, they integrated multi-payment channel acceptance while automating post-show revenue reporting. Discover how frictionless payments help power the future of Filipino theater.
On 29 July 2026, the Bangko Sentral ng Pilipinas and Philippine Payments Management, Inc. launched InstaPay for Business, allowing eligible business and corporate accounts to send up to PHP 500,000 per transaction through participating institutions. The service does not impose a scheme-level limit on the number of transactions
The partnership lets customers approved with a single government-issued ID spend a credit line at thousands of merchants, with no new setup required from businesses. MANILA, Philippines — PayMongo and consumer finance platform Skyro announced a partnership today that will give thousands of Filipino businesses access to new customers who
PayMongo was named Disruptor of the Year at the Asia FinTech Awards 2026, recognized for a "transformative approach, combining innovation, ambition and measurable impact," according to the organizers. Three words. PayMongo's last three years map onto all of them. Most disruption is a fight for market
