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
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,
Seeds for Thought
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
Seeds for Thought
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
Seeds for Thought
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
Seeds for Thought
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
Seeds for Thought
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
Seeds for Thought
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
Seeds for Thought
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
Seeds for Thought
You found a supplier. You built the store. You ran the ads. Then a Php1,200 order comes in, you pay the supplier upfront, the courier delivers it, and the customer refuses to accept the package. You just paid for the product, the shipping out, and the shipping back. You
Seeds for Thought
Since April 2024, the Official Receipt is no longer the BIR’s primary proof of sale. The Sales Invoice is, both for goods and for services. Most Philippine businesses have made the switch on paper. Far fewer have caught the part that actually costs money: the invoice you issue is