Source: https://fintech.ph/category/fintech-infrastructure Category · 76 companies # Fintech Infrastructure Backend technology and APIs for financial services Search within Fintech Infrastructure Related: [Payments](https://fintech.ph/category/payments) [Financial Inclusion](https://fintech.ph/category/financial-inclusion) [Credit Scoring](https://fintech.ph/category/credit-scoring) [Remittances](https://fintech.ph/category/remittances) [All categories](https://fintech.ph/directory) Well-known in Fintech Infrastructure [B Brankas](https://fintech.ph/listing/brankas) [M Multisys Technologies Corporation](https://fintech.ph/listing/multisys-technologies) [P PayRex](https://fintech.ph/listing/payrex) Alphabetical. Placement is never paid. Showing 76 companies - [UBX](https://fintech.ph/listing/ubx): Open finance & embedded-finance platform · UBX is the fintech venture studio and open-finance platform spun out of UnionBank of the Philippines (Aboitiz Group), operating since 2018. It builds embedded-finance infrastructure that lets enterprises, MSMEs, and financial institutions offer digital payments, lending, and banking-as-a-service. Its core products are Bux (an end-to-end payment gateway for merchants), SeekCap (a same-day-approval MSME lending marketplace), and i2i (an open-finance/BaaS network connecting rural banks and banking agents). UBX is a BSP-registered Operator of Payment System and has served over 250,000 businesses; Japan's SBI Holdings holds a ~16.67% stake. · Fintech Infrastructure · Payments · Financial Inclusion · Founded 2018 · Pasig City, Philippines · Growth - [Xendit Philippines](https://fintech.ph/listing/xendit-philippines): Payment infrastructure for Southeast Asia · Xendit is a Southeast Asian digital payments company founded in 2015. It provides payment infrastructure that lets businesses — from startups and SMEs to large enterprises — accept and send money across the region. In the Philippines it operates as Xendit Philippines, Inc., offering a payment gateway supporting 30+ local payment methods (cards, e-wallets, bank transfers, over-the-counter), plus payouts, payment links, subscriptions and marketplace tools. It became a unicorn in 2021 and has raised about US$538 million to date. · Payments · Fintech Infrastructure · Remittances · Founded 2015 · Bonifacio Global City, Taguig, Philippines · Growth · ₱25.2B raised · ₱56.0B valuation - [Brankas](https://fintech.ph/listing/brankas): Open finance APIs for Southeast Asia · Brankas is a Southeast Asian open finance and banking-as-a-service company founded in 2016. It provides APIs that let banks, fintechs and businesses move money and access financial data — including online bank-debit payments (Direct), bulk disbursements (Disburse), merchant payment infrastructure, and an Open Finance Suite for account data, account opening and compliance. Brankas is ISO 27001 certified and PCI-DSS Level 1 compliant, and is a BSP-registered Operator of Payment System in the Philippines. · Fintech Infrastructure · Payments · Founded 2016 · Singapore / Manila · Series B · ₱1.1B raised - [Smile API](https://fintech.ph/listing/smile-api): Asia's trusted source for employment & income data · Smile API (Smile Technology Pte Ltd) is a Singapore-headquartered data-infrastructure company providing consumer-permissioned employment and income verification across Asia, with a major Philippines presence. Through a single API, businesses get real-time, user-authorized access to verified employment and income data from government systems, HR/payroll providers, and gig platforms. Lenders, BNPL providers, banks, and recruiters use it to strengthen credit decisioning and expand financial inclusion. · Fintech Infrastructure · Credit Scoring · Financial Inclusion · Founded 2021 · Singapore (with Philippine operations) · Seed - [ENCASH](https://fintech.ph/listing/encash): The Philippines' first independent ATM deployer · Electronic Network Cash Tellers, Inc. (ENCASH) is the Philippines' first independent ATM deployer (IAD), founded in 2006 by Eric Severino. It installs privately owned, white-label ATMs in rural and underserved areas overlooked by commercial banks, partnering with rural banks, cooperatives, MFIs and merchants. ENCASH has rolled out 1,500+ terminals across 700+ partner sites in over 440 towns, and operates its own MegaLink-connected transaction switch plus a hand-held ATM/POS (KitaKit). It is a BSP-registered Operator of Payment System. Around 2012 it raised about PHP 109M (US$2.57M) from Rural Impulse Fund II and responsAbility. · Financial Inclusion · Payments · Fintech Infrastructure · Founded 2006 · Makati City, Philippines · Series A · ₱109M raised - [RuralNet](https://fintech.ph/listing/ruralnet): Making insurance accessible to all Filipinos · RuralNet, Inc. is a Cebu-based insurtech operating the Philippines' first fully digital, API-driven platform for insurance distribution and claims management. It partners with provincial financial institutions (rural banks, cooperatives and microfinance lenders) to deliver affordable health, accident, life and micro-insurance to underserved Filipinos and SMEs, and runs an SME insurance portal through its wholly-owned, Insurance Commission-licensed brokerage subsidiary, CashKO. RuralNet works with about 25 partner institutions serving roughly 2 million Filipinos. It raised a US$2.15M seed round led by Kickstart Ventures in October 2023. · Insurance · Financial Inclusion · Fintech Infrastructure · Founded 2019 · Cebu City, Philippines · Seed · ₱122M raised - [FinScore](https://fintech.ph/listing/finscore): Alternative credit scoring powered by telco data · FinScore is a Philippine alternative credit-scoring company that turns telco data into predictive credit scores, helping lenders assess thin-file and unbanked borrowers. Using 400+ telco variables (top-up patterns, data usage, SIM age) from Smart and Globe subscribers, it became the first to cover 100% of the country's mobile base. Founded in 2018 by Diana Krumova, it has delivered 15M+ alternative scores and supported over US$500M in loans. In August 2023 it was acquired by Malaysia's CTOS Digital, expanding its credit-decisioning, fraud-detection and analytics suite for banks and lenders. · Credit Scoring · Fintech Infrastructure · Lending · Founded 2018 · Bonifacio Global City, Taguig · Private - [Sprout Solutions](https://fintech.ph/listing/sprout-solutions): People-first AI platform for HR, payroll and embedded employee finance · Sprout Solutions is the Philippines' largest homegrown B2B HR and payroll SaaS company, founded in 2015 by Patrick and Alex Gentry. Serving 1,000+ corporate clients and 180,000+ employees, it runs HRIS, payroll, compliance and analytics. In September 2024 it launched Sprout Finances, an embedded-finance suite: ReadyWage (earned-wage access / salary-on-demand) and ReadyCash (salary advances of PHP 3,000-50,000, powered by partner bank Netbank), with ReadySaver savings in development. Sprout has raised about US$18.3M across seed, Series A (Point72 Ventures) and a 2023 US$10.7M Series B led by Cercano Management. · Fintech Infrastructure · Lending · Financial Inclusion · Founded 2015 · Mandaluyong, Metro Manila · Series B · ₱1.0B raised - [V5Pay](https://fintech.ph/listing/v5pay): V5 Philippines Corp. operates V5Pay, a cross-border payment gateway and merchant-acquiring platform serving businesses from SMEs to large enterprises. A BSP-registered Operator of Payment System (also registered as a remittance and transfer company and foreign-exchange provider), it processes payments, fund transfers and settlements across Southeast Asia and Latin America, supporting 200+ payment methods and multiple currencies. · Payments · Fintech Infrastructure · Founded 2021 · Muntinlupa City, Metro Manila · Private - [CRIF Philippines](https://fintech.ph/listing/crif-philippines): CRIF Philippines (CRIF D-B Philippines, Inc.) is a credit bureau accredited by the Credit Information Corporation (CIC) as a Special Accessing Entity. Formerly Dun & Bradstreet Philippines, it provides credit-bureau reports, retail and SME credit scoring, business-information reports and risk-analytics decision systems to banks, fintechs, microfinance lenders and insurers. It is part of global credit and risk-analytics group CRIF, headquartered in Bologna, Italy. · Credit Scoring · Fintech Infrastructure · Founded 2013 · Bonifacio Global City, Taguig · Private - [Packworks](https://fintech.ph/listing/packworks): Empowering micro-entrepreneurs through connected commerce · Packworks is a Filipino B2B platform that digitalizes the country's neighborhood sari-sari stores, serving a network of over 300,000 micro-retailers. Through its app ecosystem (Sari.PH and Sari.PH Pro), store owners get inventory management, bookkeeping, sales tracking, and direct ordering from suppliers. Its Sari IQ engine turns store transaction data into business insights. Packworks brings embedded working capital to the underbanked retail sector, partnering with licensed lenders — including 1Sari Financing Corporation and Cebuana Lhuillier — to offer in-app inventory-financing credit lines that help stores restock and grow. · Fintech Infrastructure · Financial Inclusion · SME Financing · Founded 2018 · Makati, Metro Manila · Seed · US$2M raised - [LenderLink](https://fintech.ph/listing/lenderlink): Real-Time Credit Data for Lending Without Guessing · LenderLink operates the Philippines' first high-tech, real-time credit data exchange — a secure, consent-driven API network that lets lenders share and access verified borrower credit information instantly. Built by the founding team behind FinScore, it connects digital lenders, BNPL providers, installment-loan firms, and digital banks, combining traditional credit history with alternative data signals. As a CIC-Certified Technical Service Provider, it also helps lending institutions meet their Credit Information Corporation data-submission requirements. Its network spans 36M+ borrower records and a growing roster of member lenders. · Credit Scoring · Fintech Infrastructure · Financial Inclusion · Founded 2024 · Bonifacio Global City, Taguig · Pre-seed · US$1M raised - [JuanScore](https://fintech.ph/listing/juanscore): Trustworthy Credit Scoring, Smarter Decisions · JuanScore is a Philippine credit-scoring and risk-analytics company, the local subsidiary of NYSE-listed FinVolution Group. Accredited by the Credit Information Corporation (CIC) as a Special Accessing Entity, it delivers AI-powered credit reports and scores, alternative and bureau-based credit scoring, KYC and ID verification (OCR, face comparison), and fraud-risk tools to lenders and financial institutions. Drawing on FinVolution's decade-plus of Asian credit-scoring experience, JuanScore deploys deep-learning models to widen credit access and advance financial inclusion for underserved Filipinos. · Credit Scoring · Lending · Fintech Infrastructure · Founded 2024 · Ortigas Center, Pasig City · Private - [JuanTax](https://fintech.ph/listing/juantax): First BIR-Accredited Tax Platform · JuanTax is a Philippine cloud-based tax-compliance platform that lets businesses, self-employed professionals, CPAs and bookkeepers prepare, file and pay BIR taxes online — covering VAT, percentage tax, withholding, income tax, books of accounts and financial reports. Launched in 2017 as the country's first BIR-accredited electronic tax software, it offers JuanTax Plus for practitioners and Fast File for individuals and SMEs, with direct online tax payment via cards, e-wallets and banks. It is operated by Ten Elleven Manila Inc., a BSP-registered Operator of Payment System ('1011 Pay'). · Fintech Infrastructure · Payments · SME Financing · Founded 2017 · Metro Manila, Philippines · Seed - [VeritasPay](https://fintech.ph/listing/veritaspay): VeritasPay (VeritasPay Philippines, Inc.) is a Pasig-based payments provider that lets merchants accept digital payments across one platform — in-store POS terminals, mobile devices, online checkout, payment links, and over-the-counter and online-banking channels. It supports credit, debit, prepaid, QR, and e-wallet payments, with direct settlement to any local bank account via PESONet and a centralized merchant dashboard (VeritasPay Hub) for real-time sales monitoring, reporting, and reconciliation. A BSP-registered Operator of Payment System, it serves SMEs and enterprises nationwide across Luzon, Visayas, and Mindanao. · Payments · Fintech Infrastructure · Founded 2021 · Pasig City, Metro Manila · Private - [Octopus Technologies](https://fintech.ph/listing/octopus-technologies): Building the Future of Finance with Technology and Trust · Octopus Technologies Corporation is a Philippine enterprise fintech company that helps banks, insurers, and financial institutions modernize through software and APIs. Its solutions span integrated treasury, trust and wealth management, risk and compliance, foreign-exchange processing, digital lending and loan origination, insurance middleware, mobile security, and AI-driven, low-code digital transformation. Built on an API-first architecture, Octopus Technologies equips financial institutions to automate operations, strengthen governance, and serve customers more efficiently. Based in BGC, Taguig. · Fintech Infrastructure · Founded 2024 · Taguig City, Philippines · Private - [Mayani](https://fintech.ph/listing/mayani): Transforming the Lives of Filipino Farmers and Fisherfolks through Technology · Mayani is a Philippine full-stack agri-fisheries technology platform connecting a grassroots network of 144,000+ smallholder farmers and fisherfolk to markets, inputs, and finance. Founded in 2019, it runs three value-creation lines: Mayani Farm Direct (market linkage), Mayani Agri-Inputs (seeds, feeds, and supplies), and Mayani Fin-Assist (production financing). Through Fin-Assist, Mayani uses its supply-chain and purchase-order data to underwrite and facilitate affordable production credit for organized farmers, working with licensed lending partners including Fuse Lending (Mynt/GCash) to bridge the country's agri-credit gap. · Financial Inclusion · SME Financing · Fintech Infrastructure · Founded 2019 · Metro Manila, Philippines · Seed · US$2M raised - [MatchMo](https://fintech.ph/listing/matchmo): MatchMo is a Filipino-owned digital mortgage brokerage operated by Snapp Ventures, Inc. Its proprietary algorithm matches homebuyers with home-loan packages across more than 20 partner banks and financial institutions, and lets borrowers compare offers and submit documents online for free, with partner banks paying MatchMo. It also provides loan-processing tools and a proptech platform for real-estate developers, with partners including Filinvest Land, Landco Pacific, and Pueblo de Oro. Founded in 2021, MatchMo raised a PHP 30 million seed round from Insignia Venture Partners and operates nationwide from Muntinlupa City. · Lending · Fintech Infrastructure · Founded 2021 · Muntinlupa City, Metro Manila · Seed · ₱30M raised - [CIBI Information, Inc.](https://fintech.ph/listing/cibi): Your partner for financial inclusion · CIBI Information, Inc. is the Philippines' first and longest-standing homegrown credit bureau, established in 1982. Accredited by the Credit Information Corporation as the country's first Advanced-Tier Special Accessing Entity, CIBI is the only local credit bureau that issues a consumer credit report with a credit score. It delivers digital credit reports and scores, AI-driven credit risk analytics, identity verification and eKYC, and a fraud-intelligence data-sharing network, all accessible via API. It serves 500+ organizations across banking, lending and enterprise, and powers in-app credit scores for platforms such as Lista. · Credit Scoring · Fintech Infrastructure · Financial Inclusion · Founded 1982 · Makati, Metro Manila · Private - [iPay88 Philippines](https://fintech.ph/listing/ipay88-philippines): iPay88 Philippines is the local arm of iPay88, a leading Southeast Asian online payment gateway operating since 2006 and part of the NTT DATA Group since 2015. Incorporated in the Philippines in 2012 and BSP-registered as an Operator of Payment Systems, it lets merchants accept cards, e-wallets, and online-banking payments across web and mobile, serving e-commerce businesses nationwide with secure, integrated checkout. · Payments · Fintech Infrastructure · Founded 2012 · Makati City, Metro Manila · Private - [AltPayNet](https://fintech.ph/listing/altpaynet): Breaking Barriers with AltPayNet · AltPayNet (AltPayNet Corp.) is a Philippine digital-payments technology provider offering white-label payment gateways, third-party payment processing, merchant acquiring, and fraud and risk-management solutions for businesses across the Philippines and Asia-Pacific. Founded in 2015, it is a BSP-registered Operator of Payment Systems and a principal-member acquirer for Diners Club International, Discover Global Network, and UnionPay International, with integrations including GCash and GrabPay. AltPayNet is PCI DSS Level 1 certified. · Payments · Fintech Infrastructure · Remittances · Founded 2015 · Makati City, Philippines · Private - [Netbank](https://fintech.ph/listing/netbank): Accelerating Filipino Fintech · Netbank (A Rural Bank), Inc. is a Philippine Banking-as-a-Service provider — a BSP-licensed, PDIC-insured rural bank that lets fintechs and businesses embed regulated banking into their products. Through modular APIs (Account-, Collect-, Disburse-, and Lend-as-a-Service), partners across payments, e-commerce, lending, HRIS, and vehicle financing can offer deposits, payments, and loans without holding their own banking licence. Founded in 2019 and launched in 2021, it bills itself as the first fully regulated Filipino bank built to power fintechs. · Fintech Infrastructure · Digital Banking · Payments · Founded 2019 · Manila, Philippines · Series B - [Novus Transact Philippines](https://fintech.ph/listing/novus-transact): Banking and payments technology for Philippine institutions · Novus Transact Philippines Corporation is the Philippine arm of Singapore-based Novus Technologies, a B2B digital-banking and payments infrastructure provider (part of the AGS Transact Technologies group). Through its NovaPay and Novus TRANSACT platforms it delivers ATM-as-a-Service, mobile and last-mile ATMs, transaction switching, digital wallets, merchant/POS, and core-banking software to banks and financial institutions. It powers RCBC's "ATM Go," the country's largest bank-agnostic mobile ATM network, which posted 50% revenue growth in 2024. A BSP-registered Operator of Payment Systems based in Makati. · Fintech Infrastructure · Payments · Financial Inclusion · Founded 2014 · Makati, Philippines · Private - [Traxion Pay](https://fintech.ph/listing/traxion-pay): Enabling enablers to drive open finance and digital inclusion. · Traxion Pay is a BSP-supervised Electronic Money Issuer and payments platform built for Philippine businesses, cooperatives and institutions. Operated by Traxion Pay Inc. with tech sister-company Traxion Tech Inc. (founded 2015), it offers a fintech-as-a-service stack: a no-code payment gateway and API, QR Ph acceptance, e-wallet and Wallet-as-a-Service, bulk disbursement, bills payment, Phygital QR cards and QR-driven Cash Teller Machines. Traxion also provides the enterprise infrastructure behind partner wallets. Headquartered in Pasig City, with a Davao City office. · Payments · Digital Wallet · Fintech Infrastructure · Founded 2015 · Pasig City, Metro Manila · Private - [Higala](https://fintech.ph/listing/higala): Building Financial Resiliency, Empowering Financial Inclusion · Higala is a Philippine payments-infrastructure startup building the country's first inclusive instant payment system, connecting rural banks, thrift banks, cooperatives and microfinance institutions to real-time payments. Built on open-source Mojaloop and ISO 20022, its SynerFi rail and API-first core banking platform let smaller financial institutions join InstaPay at a fraction of traditional switching costs. Co-launched with Chemonics International and partnered with RCBC, Higala has onboarded rural banks nationwide, bringing affordable digital finance to underserved Filipino communities. · Fintech Infrastructure · Payments · Financial Inclusion · Founded 2024 · Manila, Philippines · Seed · US$4M raised - [Payborit](https://fintech.ph/listing/payborit): Payborit is a Philippine payment-gateway and disbursement platform operated by DigitalPH Asia Corporation (DigiPH), a Makati-based fintech registered with the Bangko Sentral ng Pilipinas as an Operator of Payment Systems. Through its Payborit Business app and web platform, it lets merchants and businesses accept online payments and disburse funds digitally, with features including online payment acceptance, withdrawals, transaction tracking, static QR generation, and staff and branch management. · Payments · Fintech Infrastructure · Founded 2021 · Makati City, Metro Manila · Private - [Surely](https://fintech.ph/listing/surely): Empower Your Business with InsurTech · Surely, operated by Rainbow Fintech Corporation, is a Philippine insurtech running an Insurance-as-a-Service platform. Its core product, the Surely Hub, is an API layer that lets banks, merchants, retailers and travel partners embed insurance into their digital channels, connecting them to licensed insurer partners. Capabilities include eKYC authentication, partner and merchant interfaces, payments and settlements, and data analytics. In May 2025 it launched the TravelSmart Marketplace with Malayan Insurance and PhilInsure, offering visa-compliant international travel medical insurance integrated with VFS Global visa services. · Insurance · Fintech Infrastructure · Founded 2023 · Metro Manila, Philippines · Private - [Kredit Hero](https://fintech.ph/listing/kredit-hero): Kredit Hero is an AI-powered SME loan marketplace that connects Philippine businesses with the right lender through a single application. Rather than lending directly, it matches borrowers to a network of 40+ banks, financing companies, and lenders, using AI to screen documents and pair each business with suitable working-capital, credit-line, equipment, and Sangla OR/CR financing options ranging from about PHP 300,000 to over PHP 100 million. Founded in 2024 and based in BGC, Taguig, Kredit Hero streamlines business borrowing so owners can compare and access financing faster. · SME Financing · Fintech Infrastructure · Credit Scoring · Founded 2024 · Taguig City, Philippines · Pre-seed - [Taxumo](https://fintech.ph/listing/taxumo): File & Pay Your Taxes in Minutes! · Taxumo is a Philippine online tax platform that lets freelancers, self-employed professionals, sole proprietors and small businesses compute, file and pay their BIR taxes entirely online. Founded in 2016 and headquartered in Taguig, it is a BIR-accredited Tax Software Provider that automatically calculates tax dues, fills out the correct BIR forms, and electronically submits filings and payments through authorized agent banks and digital payment channels. It also offers business registration assistance and serves thousands of Filipino solopreneurs and SMEs. · Payments · Financial Inclusion · Fintech Infrastructure · Founded 2016 · Taguig City, Metro Manila · Seed - [Meridian](https://fintech.ph/listing/meridian): The Digital Clearing House for high-growth markets · Meridian is a cross-border payments infrastructure company that issues U.S. bank account numbers and runs a Real-Time Deposits network, letting Filipinos receive U.S. payroll, ACH, and wire payments in USD and settle to local accounts. Its rails power consumer-facing services through partners rather than a standalone app: it underpins RCBC Pulz's U.S. virtual accounts (launched September 2025) and the GCash Virtual US Account (launched December 2025), enabling freelancers and OFWs to receive dollars and convert to peso. Founded in 2023, Meridian is registered with the BSP as an Operator of Payment System. · Fintech Infrastructure · Remittances · Payments · Founded 2023 · Makati City, Metro Manila · Seed · US$15M raised - [RUSH Technologies](https://fintech.ph/listing/rush): Drive sales, win customers for life · RUSH Technologies, Inc. is a Philippine eCommerce and customer-loyalty SaaS provider and the eCommerce-and-loyalty arm of Globe Group's 917Ventures (via Brave Connective Holdings, Inc.). It gives merchants an all-in-one toolkit — RUSH eStore for online storefronts and checkout with embedded payments, plus RUSH Loyalty and RUSH+ for digital rewards, punch cards, and gamification — alongside AdTech and AI insights. A BSP-registered Operator of Payment Systems, RUSH serves 1,700+ stores and brands, including Coca-Cola, Unilever, Shakey's, and the Bistro Group, and over 8 million registered customers. · Payments · Fintech Infrastructure · Founded 2017 · Mandaluyong, Metro Manila, Philippines · Private - [PesoPay](https://fintech.ph/listing/pesopay): Accept Online Payments Better. Faster. Safer. · PesoPay is one of the Philippines' longest-running online payment gateways, operated by AsiaPay Payment Technology Corp., the Manila-based subsidiary of Hong Kong payment group AsiaPay (founded 2000). Established in 2006 and BSP-registered as an Operator of Payment Systems, PesoPay lets local merchants accept Visa, Mastercard, AmEx, JCB, BancNet, GCash, GrabPay, ShopeePay, Alipay, WeChat Pay, PayPal, over-the-counter cash and Google Pay (added 2025) through a single PCI DSS Level 1-certified platform, with offices in Makati and Cebu. · Payments · Fintech Infrastructure · Founded 2006 · Makati, Metro Manila · Private - [2C2P](https://fintech.ph/listing/2c2p-philippines): 2C2P is a full-suite payments platform serving enterprises across Southeast Asia, including the Philippines. Part of Ant International (operating as 2C2P by Antom), it lets businesses accept online, offline, mobile, card, cash and alternative payments across 400+ payment methods, with tools for instalment payment plans, multi-currency pricing, wallet and card issuing, and social-commerce checkout. A BSP-registered Operator of Payment System and one of Asia-Pacific's PCI-DSS Level 1-certified providers, 2C2P powers payments for airlines, retail, hospitality, insurance and e-commerce merchants in the Philippines. · Payments · Fintech Infrastructure · Founded 2003 · Metro Manila, Philippines · Private - [Ksher](https://fintech.ph/listing/ksher): Ksher is a cross-border payment provider operating across Southeast Asia, with a registered Philippine entity (Ksher Philippines, Inc., formerly QFPay Philippines, Inc.) acting as a merchant acquirer and payment aggregator. It lets Philippine merchants accept QR, e-wallet and card payments — including Alipay and WeChat Pay for inbound Chinese customers — and provides cross-border e-commerce funds collection. Founded in 2016 and headquartered in Bangkok, the group reports more than 200,000 merchants and over US$10 billion in cumulative transaction volume across 10-plus markets. · Payments · Fintech Infrastructure · Founded 2016 · Metro Manila, Philippines · Private - [MYEG Philippines](https://fintech.ph/listing/myeg-philippines): MYEG Philippines is a one-stop e-government solutions and payment platform that lets Filipinos transact with government agencies anytime, anywhere. Through myeg.ph, users can pay for more than 800 government dues and services — including BIR taxes, SSS, PhilHealth, PRC, NBI clearance, PEZA, and business permits — using e-wallets such as GCash, Maya, ShopeePay, GrabPay, and PalawanPay, credit/debit cards, or cash over 100,000+ payment counters nationwide. A BSP-registered Operator of Payment System, MYEG PH is the local arm of a joint venture between Malaysia's MY E.G. Services Berhad and I-Pay Commerce Ventures. · Payments · Fintech Infrastructure · Financial Inclusion · Founded 2017 · Makati City, Metro Manila · Private - [SmartPay](https://fintech.ph/listing/smartpay): The Next Generation Secure Digital Payment Solutions · Smartpay Asia Philippines, Inc. is a Mandaluyong-based digital payments provider offering merchants a single-API payment gateway that accepts credit and debit cards, digital wallets, and online banking, alongside its SmartPayPOS and SmartPay Wallet products for cashless collection. Registered with the Bangko Sentral ng Pilipinas as an Operator of Payment System (OPS) under the National Payment Systems Act, it provides merchant onboarding portals, real-time processing, and reporting and analytics to help Philippine businesses adopt contactless and e-commerce payments. · Payments · Fintech Infrastructure · Founded 2022 · Mandaluyong City, Metro Manila · Private - [Trusting Social Philippines](https://fintech.ph/listing/trusting-social): Verified · AI credit scoring, eKYC and fraud prevention for Philippine banks and lenders. · Trusting Social Philippines (TSPH) is the local arm of Singapore-headquartered Trusting Social, a fintech founded in 2013 that uses AI and alternative data to power financial inclusion. From its BGC, Taguig base, TSPH delivers AI-driven alternative credit scoring built on masked, anonymised, consent-based telco behavioural data, helping lenders assess thin-file and underbanked Filipinos. Its TrustInsight credit scores, TrustVision onboarding and anti-fraud suite, and Sophia engagement agent are delivered via API to 50+ Philippine commercial banks, digital banks, rural banks, cooperatives and lending companies. · Credit Scoring · Financial Inclusion · Fintech Infrastructure · Founded 2018 · Bonifacio Global City, Taguig · Series C · US$65M raised - [Euronet Philippines](https://fintech.ph/listing/euronet-philippines): Euronet Technology Services, Inc. is the Philippine subsidiary of Euronet Worldwide (NASDAQ: EEFT), operating one of the country's largest independent, off-branch retail ATM networks. Under a 2023 agreement with the Bank of the Philippine Islands, Euronet acquired around 500 non-branch BPI ATMs — managing roughly 300 within its own independent network and operating about 200 that remain BPI-branded — more than doubling its Philippine ATM footprint. Cardholders of participating banks can withdraw cash, check balances, and make fund transfers. It is a BSP-registered Operator of Payment System. · Payments · Fintech Infrastructure · Founded 2020 · Makati City, Metro Manila · Public - [SKYPAY](https://fintech.ph/listing/skypay): Your Payment Bridge · SKYPAY is a Philippine payment gateway operated by Skybridge Payment, Inc., a BSP-registered Operator of Payment Systems. It lets businesses accept payments via credit and debit cards, e-wallets such as GCash and Maya, and over-the-counter channels, and disburse funds across thousands of cash-in and payout points. SKYPAY also supports QR Ph merchant acceptance, international remittance, white-label e-wallet, and cross-border payment services. Part of the regional Skybridge Group, it bridges Philippine merchants to fast, secure digital payments. · Payments · Remittances · Fintech Infrastructure · Founded 2018 · Makati City, Philippines · Private - [Fucent Gateway](https://fintech.ph/listing/fucent-gateway): Fucent Gateway Corporation is a Philippine payment-gateway and merchant-acquiring company, BSP-registered as an Operator of Payment System. It aggregates multiple local and international payment channels — WeChat Pay, Alipay, UnionPay, GCash and GrabPay — into a single gateway for merchants, and serves as a master acquirer for WeChat Pay and Alipay in the Philippines across retail, food and beverage, hospitality, healthcare and other sectors nationwide. · Payments · Fintech Infrastructure · Founded 2017 · Philippines · Private - [BancNet](https://fintech.ph/listing/bancnet): BancNet, Inc. is the Philippines' single national interbank ATM and electronic payments switch and the BSP-designated clearing switch operator for InstaPay, the country's real-time fund-transfer system. It connects more than 100 member banks and institutions across ATM, POS and online channels, and is the exclusive Philippine gateway for China UnionPay. In June 2026 it merged with the Philippine Clearing House Corporation to form Payments Network of the Philippines, Inc. (PNPI), retaining the BancNet brand for its switch operations. · Fintech Infrastructure · Payments · Founded 1990 · Makati City, Metro Manila · Private - [Proficio](https://fintech.ph/listing/proficio): Verified · SME credit intelligence for Philippine lenders · Proficio is a Philippine fintech company building SMEVE (the SME Valuation Engine)—the credit intelligence workbench that helps banks and MFIs read the business behind the borrower. SMEVE takes an SME lending team from the borrower's raw file to the Credit Committee pack in one structured workflow. SMEVE cross-checks declared figures against bank statements, evaluates whether the underlying business is viable alongside traditional debt-service ratios, and keeps the source page attached to every number. · Lending · SME Financing · Credit Scoring · Founded 2024 · San Pablo City, Laguna · Pre-seed - [Nationlink](https://fintech.ph/listing/nationlink): Empowering Communities. · Nationlink is a Philippine interbank ATM and electronic-payments network operated by Infoserve, Inc., a BSP-registered Operator of Payment Systems. It connects rural banks, savings banks, credit unions, cooperatives and NGOs to nationwide ATM and POS services, enabling cash withdrawals, card issuance, fund transfers, bills payment, e-money and domestic and international remittance. As the first network-alliance member of BancNet, it extends affordable and accessible financial services to underserved and rural communities and to overseas Filipinos. Headquartered in Makati City. · Fintech Infrastructure · Payments · Financial Inclusion · Founded 2006 · Makati City, Metro Manila · Private - [NextPay](https://fintech.ph/listing/nextpay): Built for the Businesses That Move the Philippines · NextPay is a digital business-banking and payments platform built for Philippine micro, small, and medium enterprises, entrepreneurs, and freelancers — an alternative to a traditional business bank account. Businesses collect customer payments via digital invoices, manage cash, and send batch payouts for payroll, suppliers, and bills to 90+ local banks and e-wallets, including UnionBank, BDO, BPI, GCash, and Maya. Operated by NextEnterprises, Inc., a BSP-registered Operator of Payment Systems, NextPay was a Y Combinator (W21) company and has processed roughly ₱13 billion in transactions since launch. · Payments · Business Banking · Fintech Infrastructure · Founded 2019 · Metro Manila, Philippines · Seed · US$2M raised - [ePlayment](https://fintech.ph/listing/eplayment): Made to Create · Eplayment Corporation is a BSP-registered Operator of Payment System that provides payment processing and collections for digital platforms, with a focus on the gaming, entertainment and content-creator economy. Through its Epaygames gateway it connects merchants and platforms to channels including GCash, Maya, Bayad, BDO, BPI, online banking and over-the-counter cash-in, and through its PIXEL platform it offers instant payouts to micro and nano content creators. · Payments · Fintech Infrastructure · Founded 2019 · Manila, Metro Manila · Private - [Enstack](https://fintech.ph/listing/enstack): AI-Powered Entrepreneurship · Enstack is a Philippine-built, AI-powered all-in-one mobile app that lets micro and small entrepreneurs run an entire business from a phone — building online storefronts, managing inventory, accepting payments, and arranging nationwide shipping, with AI tools for design and content. Operated by Enstack Technologies, Inc. and a BSP-registered Operator of Payment Systems, it was founded in 2021 by Macy Castillo (ex-Shopee Philippines) and Skype co-founder Geoffrey Prentice. Enstack exited beta in October 2022 and has grown to 200,000+ entrepreneurs on the platform. · Payments · SME Financing · Fintech Infrastructure · Founded 2021 · Metro Manila, Philippines · Series A · US$3M raised - [MB Philippines](https://fintech.ph/listing/mb-philippines): MB Philippines (MBPhil) is a Philippine core-banking software provider for rural banks, cooperative and thrift banks, and credit unions. Established in 1995 through rural bankers in cooperation with the UN Food and Agriculture Organization, it was the first to bring fully integrated core-banking software to the country's rural banking and cooperative sector. Its flagship Express-O Integrated Core Banking System is a web-based platform built to meet Bangko Sentral ng Pilipinas, AMLA and PDIC regulatory requirements, supported by loan-origination and compliance-reporting tools and a nationwide field-support network. · Fintech Infrastructure · Founded 1995 · Ortigas Center, Pasig City · Private - [TransUnion Philippines](https://fintech.ph/listing/transunion-philippines): TransUnion Philippines (TransUnion Information Solutions Inc.) is a credit bureau accredited by the Credit Information Corporation (CIC) as a Special Accessing Entity. It provides credit reports, credit scores, alternative-data analytics and fraud and identity solutions to Philippine banks, lenders and businesses, and gives consumers access to their own credit reports. It is the local arm of global credit-information group TransUnion. · Credit Scoring · Fintech Infrastructure · Founded 2016 · Makati City, Metro Manila · Private - [GoodPay](https://fintech.ph/listing/goodpay): Digital payments for merchants and communities · GoodPay is a Philippine payment-processing platform built by the GoodTech group for micro-entrepreneurs, freelancers, and gig workers. It lets merchants accept payments from major banks, e-wallets (GCash, Maya), and credit and debit cards through a single QR code or shareable payment link, managed from an easy merchant dashboard. Merchants onboard online by submitting their business details, a valid ID, and a selfie. Good Tech Holdings, Inc. is registered with the Bangko Sentral ng Pilipinas as an Operator of a Payment System. · Payments · Fintech Infrastructure · Financial Inclusion · Founded 2022 · Clark Freeport Zone, Pampanga, Philippines · Private - [I-Pay](https://fintech.ph/listing/i-pay): I-Pay Commerce Ventures, Inc. is a Philippine fintech that builds electronic-payment, remittance, and eGovernment rails for government agencies and enterprises. Its Direct-To-Bank (DTB) service lets recipients deposit Western Union remittances straight to a bank account or mobile wallet online, with same-day transfer, and I-Pay also operates as a Western Union remittance agent and powers online registration and payment systems for government services. The company is supervised by the Bangko Sentral ng Pilipinas as a non-bank Electronic Money Issuer and is a registered Operator of a Payment System. · Payments · Remittances · Fintech Infrastructure · Founded 2015 · Makati City, Philippines · Private - [Igloo](https://fintech.ph/listing/igloo): Simple. Painless. Honest. · Igloo is a Singapore-headquartered full-stack regional insurtech (founded 2016 as Axinan) that embeds insurance into digital platforms across Southeast Asia. In the Philippines it operates through local entity Axinan Philippines, Inc. (BGC, Taguig), partnering with 40+ platforms — including GCash, Shopee, Angkas, Skyro and Smart — and IC-licensed underwriters Malayan, Etiqa, PGA Sompo and Mercantile, launching 55+ localized products spanning travel, motor, loan, device and weather-index cover. Regionally it has facilitated 1.6B+ policies and raised about US$105M to date. · Insurance · Fintech Infrastructure · Payments · Founded 2016 · Singapore (PH office: BGC, Taguig) · Growth - [Island Credit Solution](https://fintech.ph/listing/island-credit-solution): Make Smarter Credit Decisions in Real-Time · Island Credit Solution, Inc. is a Philippine credit-scoring and risk-analytics company accredited by the Credit Information Corporation (CIC) as a Special Accessing Entity. Using AI and alternative data, it provides banks, lenders, and MSMEs with real-time credit reports and scores, identity verification, and fraud-management tools to make faster, more inclusive lending decisions. Its flagship PhilScore helps financial institutions assess thin-file and underserved borrowers, expanding access to credit for Filipinos who lack a traditional credit history. · Credit Scoring · Fintech Infrastructure · Financial Inclusion · Founded 2025 · Makati City, Philippines · Private - [Multisys Technologies Corporation](https://fintech.ph/listing/multisys-technologies): Multisys Technologies Corporation is a Filipino digital-platforms and payments-technology company founded in 2010 by David Almirol Jr. A BSP-registered Operator of Payment System, Multisys builds and operates payment infrastructure used across enterprise, government, microfinance and MSME sectors — including its e-Negosyo MSME platform, the Multipay smart payment-routing technology, the Bayad bills-payment app, and AppendPay for microfinance members. Backed by PLDT (45.73% stake), it is one of the Philippines' most prominent homegrown software firms, powering cashless and e-government services nationwide. · Payments · Fintech Infrastructure · Financial Inclusion · Founded 2010 · Parañaque City, Metro Manila · Private · ₱2.1B raised - [iCorePay](https://fintech.ph/listing/icorepay): iCorePay is the payments brand of iCore Technologies, Inc., a Philippine BSP-registered Operator of Payment System. It provides interoperable QR-code merchant payment acceptance — letting businesses accept GCash, Maya, GrabPay, ShopeePay and other e-wallets through a single platform — alongside white-label digital core-banking and computerized loans-management software for banks, cooperatives and microfinance institutions. In November 2024 it partnered with the Department of Agriculture's Agricultural Credit Policy Council to build an electronic payment-collection system for farmer and fisher loan repayments. · Payments · Fintech Infrastructure · Founded 2023 · Las Piñas City, Metro Manila · Private - [Hive Health](https://fintech.ph/listing/hive-health): Hive Health is a tech-enabled HMO offering hassle-free, comprehensive health plans tailor-made for small and medium enterprises and growing companies in the Philippines, covering outpatient, inpatient, emergency and dental care. Care is delivered through its IC-licensed subsidiary Health Plans Philippines, Inc. (HPPI), an HMO operating since 1986 with a network of 1,700+ hospitals and clinics. Founded in 2021 (Y Combinator S21) and backed by Gentree Fund, BEENEXT, Amasia and Y Combinator, Hive Health raised a US$6.5M Pre-Series A in 2024. · Insurance · Fintech Infrastructure · Financial Inclusion · Founded 2021 · Pasig City, Metro Manila · Seed · US$7M raised - [AllCare](https://fintech.ph/listing/allcare): AllCare is a Philippine digital benefits marketplace that gives SMEs, freelancers, gig workers and the self-employed access to worker benefits traditionally reserved for large-company employees. A benefits aggregator (not an HMO itself), it pre-negotiates and bundles HMO, life insurance, annual physical exams, 24/7 teleconsultation, mental-health counseling, dental, optical and wellness perks from partner providers into membership plans on one platform. Its individual SoloCare plans cover access to 1,600+ hospitals and clinics nationwide. Founded by Cindy Burdette; based in Pasig City. · Insurance · Financial Inclusion · Fintech Infrastructure · Founded 2018 · Pasig City, Metro Manila · Seed - [beep](https://fintech.ph/listing/beep): beep is a contactless stored-value card and automated fare collection system operated by AF Payments Inc. (AFPI). It is the cashless fare payment for Metro Manila's three rail lines (LRT-1, LRT-2, MRT-3), the EDSA Busway, BGC buses, and a growing network of point-to-point and provincial buses, and is also accepted at partner retail merchants. AFPI was formed in 2014 by the AF Consortium, a partnership of the Ayala Group and the First Pacific Group, to deliver the government's Automated Fare Collection System. In 2024 beep partnered with Mastercard to enable open-loop tap-to-pay on transit. · Payments · Digital Wallet · Fintech Infrastructure · Founded 2014 · Pasay City, Metro Manila · Private - [Surepay Technologies](https://fintech.ph/listing/surepay-technologies): Surepay Technologies Inc. (SPTI) is a Philippine provider of digital payment and automation solutions and a BSP-registered Operator of Payment System. It builds electronic payment and collection systems (EPCS), payment-gateway integrations, and electronic bill presentment and payment for businesses and government. SPTI specializes in digitizing local government units — powering treasury and e-services suites such as its DigiGov platform and the ADB-funded LGU Integrated Financial Tools (LIFT) system — and provides the eBoracay cash-lite tourism ticketing portal used with GCash. It is ISO 9001:2015 certified. · Payments · Fintech Infrastructure · Financial Inclusion · Founded 2019 · Philippines · Private - [bolttech](https://fintech.ph/listing/bolttech-philippines): Connecting the world to the right insurance at the right time · bolttech is a global insurtech (founded 2020, headquartered in Singapore; an insurtech business of Pacific Century Group) that powers embedded insurance and device protection through partner platforms. In the Philippines it runs device protection and insurance marketplaces for major partners including Maya, Home Credit, Globe (Gadget Xchange and Flagship Forever) and SB Finance, with coverage underwritten by IC-licensed insurer partners. Globally bolttech operates in 39 markets with over US$85 billion in annualized quoted premiums and 230+ connected insurers, and is valued at US$2.1 billion. · Insurance · Fintech Infrastructure · Financial Inclusion · Founded 2020 · Metro Manila, Philippines · Series C - [ADVANCE.CBP](https://fintech.ph/listing/advance-cbp): Your Partner in Credit Intelligence · ADVANCE.CBP is a CIC-accredited credit bureau in the Philippines, operated by Advintel Inc. and part of Singapore's ADVANCE.AI (Advance Intelligence Group). As a duly accredited Special Accessing Entity of the Credit Information Corporation, it combines official CIC credit data with alternative data and AI to deliver real-time credit reports, scores, and risk insights for banks, digital and thrift banks, fintechs, and lenders. Its CBP Credit Report, CBP Credit Features 500, and CBP Scores pair with ADVANCE.AI's eKYC and anti-fraud tools to support responsible lending and broaden financial inclusion. · Credit Scoring · Fintech Infrastructure · Financial Inclusion · Founded 2024 · Makati City, Metro Manila · Seed · US$4M raised - [Paynamics](https://fintech.ph/listing/paynamics): Fintech Solutions for Smarter, Faster Digital Transactions · Paynamics Technologies, Inc. is a Makati-based payment gateway and payments processor founded in 2010. Its platform lets businesses accept payments through 50+ channels — cards, e-wallets (GCash, Maya), online banking via InstaPay/PESONet, over-the-counter, and installments — plus mass-disbursement payouts, a business wallet, and embedded-finance (BaaS) solutions. BSP-licensed as an Electronic Money Issuer (June 2020) and a registered Operator of Payment Systems, it is PCI-DSS Level 1 certified and reports serving 5,000+ merchants (2026). In 2025 it partnered with Mastercard to launch Click to Pay in the Philippines. · Payments · Fintech Infrastructure · Founded 2010 · Makati, Metro Manila · Private - [PayRex](https://fintech.ph/listing/payrex): Modern payment gateway for the Philippines · PayRex is a Philippine online payment gateway operated by Evolut10n Labs, Inc., launched in late 2023 by former PayMongo co-founders Jaime Hing and Edwin Lacierda. It lets businesses accept credit and debit cards, GCash, Maya, QR Ph and BNPL, with developer APIs, hosted checkout, payment pages, a Shopify plugin and finance-automation tools. A BSP-registered Operator of Payment System, it processes payments under PCI DSS standards, serving merchants such as the SM Store and SM Markets. In January 2026 it raised a US$2M Series A led by Kollab. · Payments · Fintech Infrastructure · Founded 2023 · Metro Manila, Philippines · Series A · US$2M raised - [PearlPay](https://fintech.ph/listing/pearlpay): PearlPay Inc. is a Philippine fintech founded in 2018 that provides cloud-based digital banking infrastructure to rural banks, microfinance institutions, and cooperatives that serve the country's unbanked rural communities. Built on AWS, its platform spans core banking, agent banking, loan management, a payment gateway, and white-label mobile wallets, letting small banks digitize without heavy on-premise systems. A BSP-registered Operator of Payment Systems, PearlPay also enables merchants to accept interoperable QR Ph payments and partners with institutions including RCBC to extend digital finance to LGUs, schools, clinics, and MSMEs. · Fintech Infrastructure · Digital Banking · Financial Inclusion · Founded 2018 · Taguig City, Philippines · Private - [AQWIRE](https://fintech.ph/listing/aqwire): Seamless, Secure Payments To the Philippines · AQWIRE (operated by Qwikwire Billing Systems Inc.) is a Philippine fintech providing secure cross-border and local payment solutions for enterprises, with a focus on real estate. Its white-labeled platform lets property developers and other businesses bill, collect, and reconcile payments from buyers worldwide — supporting 150+ currencies, auto-debit enrollment, multiple payment methods, and API integrations, settling funds in Philippine pesos. In September 2025 AQWIRE became the first payments company in the Philippines to enable Google Pay and Apple Pay for cross-border payments. Clients include Ayala Land, Rockwell Land, and Megaworld. · Payments · Remittances · Fintech Infrastructure · Founded 2013 · Makati City, Philippines · Private - [Global Payments Philippines](https://fintech.ph/listing/global-payments-philippines): Global Payments Philippines is the local merchant-acquiring and payment-processing arm of NYSE-listed Global Payments Inc. Operating as Global Payments Asia-Pacific Philippines, Incorporated, it is a joint venture formed in 2015 with the Bank of the Philippine Islands, combining their merchant-acquiring businesses. It provides card acceptance, point-of-sale terminals, and e-commerce payment processing to thousands of Philippine merchants, enabling acceptance of major credit and debit cards across in-store, online, and mobile channels. It is registered with the BSP as an Operator of Payment System. · Payments · Fintech Infrastructure · Founded 2015 · Quezon City, Metro Manila · Public - [NTT DATA Payment Services Philippines](https://fintech.ph/listing/ntt-data-payment-services-philippines): NTT DATA Payment Services Philippines (formerly GHL ePayments / GHL Systems Philippines, acquired by Japan's NTT DATA in 2024) is a merchant payments provider serving businesses from sari-sari stores to large enterprises. It offers card-acquiring and payment acceptance for Visa, Mastercard, JCB, BancNet and e-wallets through its ADAPTIS suite: In-Store smart POS terminals, an e-commerce online payment gateway for local and cross-border transactions, enterprise-grade infrastructure, merchant financing, and value-added services. It is a BSP-registered Operator of Payment System and part of the global NTT DATA Payment Services network. · Payments · Fintech Infrastructure · Founded 2020 · Makati, Metro Manila · Private - [Swyftly](https://fintech.ph/listing/swyftly): Swyftly is a BSP-registered payment infrastructure provider that gives online merchants, fintech partners, and institutional clients one platform to accept payments and send disbursements. Through a single API integration, businesses can collect via e-wallets (GCash, Maya) and QR Ph, take direct bank payments over InstaPay and PESONet, run mass payouts of salaries and commissions to bank accounts and e-wallets, and settle international payments in USD, SGD, and HKD. It bakes in AML/KYC compliance, fraud screening, and automated BSP reporting. Swyftly is a subsidiary of JD Group Inc. · Payments · Fintech Infrastructure · Founded 2025 · Metro Manila, Philippines · Private - [Komunidad](https://fintech.ph/listing/komunidad): One Platform to Manage Climate Action & Compliance · Komunidad Global is a Philippine- and Singapore-founded climate-tech company whose platform unifies climate action and compliance — ESG and sustainability management, GHG accounting and reporting, climate risk assessment (20,000+ peril and loss metrics with scenario analysis to 2100), and early-warning and social-impact tools. Founded in 2020 by Felix and Allister Ayque, it equips businesses, banks, insurers, and governments with environmental intelligence to anticipate climate risks and meet sustainability requirements, serving clients including PNB, ANZ, and the Philippine SEC. · Fintech Infrastructure · Credit Scoring · Insurance · Founded 2020 · Manila, Philippines · Seed · US$2M raised - [Talino](https://fintech.ph/listing/talino): Talino is a global fintech foundry building inclusive financial infrastructure for emerging markets and the Filipino diaspora, with the Philippines as its flagship market. Founded by Winston Damarillo (founder of Gluecode, acquired by IBM), Talino began as a venture studio for inclusive fintech, building ventures such as BayaniPay, Higala, and Asenso, and now offers a hybrid platform that merges traditional finance with stablecoin rails to power faster, lower-cost cross-border payments, in partnership with PDAX and Bridge (a Stripe company). It closed a US$7.5M Series A in 2026 led by Chemonics International. · Fintech Infrastructure · Payments · Remittances · Founded 2017 · Pasig City, Philippines · Series A · ₱498M raised - [KAYA Payment Platform](https://fintech.ph/listing/kaya-payment-platform): Kooperatibang may Asenso, Yaman at Abilidad · KAYA is a cooperative-owned, cloud-based payment and digital-banking platform run by the National Confederation of Cooperatives (NATCCO) with the Philippine Federation of Credit Cooperatives (PFCCO). It lets cooperatives and their members transact across branches, a mobile app, ATMs, and EFT-POS terminals — supporting account opening, fund transfers, loan applications and payments, bills payment, mobile top-up, and e-wallet reload. Launched in 2017 and relaunched as KAYA 2.0 in 2021, it has been adopted by 150+ cooperatives with 400+ branches and ATMs nationwide, advancing financial inclusion in the countryside. · Fintech Infrastructure · Digital Banking · Financial Inclusion · Founded 2017 · Quezon City, Metro Manila · Private - [eTap](https://fintech.ph/listing/etap): Make it easy with eTap · eTap is a homegrown Philippine fintech making financial services accessible to the unbanked and underbanked through a nationwide network of self-service payment kiosks. Founded in 2015, it lets Filipinos cash in to e-wallets like GCash, Maya, and PalawanPay, pay bills, buy load, and send money, with cash-out machines and regional eTap Hubs expanding in 2026. Designing both its hardware and software in-house, eTap operates thousands of machines and satellite offices across Luzon, Visayas, and Mindanao, processing billions of pesos in transactions monthly as a BSP-registered Operator of Payment Systems. · Payments · Remittances · Financial Inclusion · Founded 2015 · Makati City, Philippines · Private - [WeePay](https://fintech.ph/listing/weepay): Weepay Payment Processing Corporation is a Pasig City–based payments company supervised by the BSP as an Operator of Payment System. Founded in 2007, it provides merchant payment-acceptance services — online payment gateways, virtual and physical POS terminals, and card acquiring across Visa, Mastercard and China UnionPay (as a registered payment facilitator), plus BancNet, MegaLink and ExpressNet — and supports agency-banking cash-in and cash-out services that extend financial access to underserved communities. · Payments · Fintech Infrastructure · Financial Inclusion · Founded 2007 · Pasig City, Metro Manila · Private - [CreditBPO](https://fintech.ph/listing/creditbpo): Financial Risk and Vendor Accreditation with AI · CreditBPO is a Philippine AI fintech that automates SME, commercial and corporate credit-risk assessment for banks, lenders and enterprise procurement teams. Its flagship Financial Condition Rating and Benchmarking Report turns raw financials and third-party data into instant risk ratings, red-flag alerts and industry benchmarks, while the Enhanced Online Loandex Dashboard (EOLDX) — built with the Bankers Association of the Philippines — gives member banks portfolio-wide lending intelligence. A Visa Ready fintech partner and Microsoft Highway-to-100-Unicorns awardee, CreditBPO helps institutions underwrite faster. · Credit Scoring · Fintech Infrastructure · SME Financing · Founded 2014 · Bonifacio Global City, Taguig · Private - [Zip](https://fintech.ph/listing/zip): Fastest way to collect payments · ZIP Financial Technologies, Inc. (Zip, formerly Magpie) is a Makati-based payment technology company operating since 2018. Zip provides online payment processing for businesses of all sizes — a hosted checkout, payment links and requests, the PayTerminal mobile payment app, and a white-label payment platform — plus developer APIs, SDKs, and plugins for custom integrations. It is a BSP-registered Operator of Payment System and is PCI-DSS Level 1 certified, supporting both PHP and USD transactions. · Payments · Fintech Infrastructure · Founded 2018 · Makati, Philippines · Private - [Fastek](https://fintech.ph/listing/fastek): Fastek Payment Solutions Inc., which operates the OnePay platform, is a Metro Manila–based payment-technology company founded in 2020 and registered with the BSP as an Operator of Payment System. It provides merchant payment processing across cards, e-wallets, direct bank transfers and over-the-counter channels, alongside POS machines and self-service payment kiosks for businesses and institutions. · Payments · Fintech Infrastructure · Founded 2020 · Mandaluyong City, Metro Manila · Private - [HitPay](https://fintech.ph/listing/hitpay): HitPay is an all-in-one payment platform for small and medium businesses, founded in Singapore in 2016 (Y Combinator S21). It lets SMEs accept online and in-person payments through a single integration — no-code payment links, hosted checkout, point-of-sale, invoicing, recurring billing, and e-commerce plugins. In the Philippines it operates as HitPay Payment Solutions Inc., a BSP-registered Operator of Payment System, supporting GCash, Maya, QR Ph/InstaPay, PESONet, GrabPay, ShopeePay, BillEase, cards, and over-the-counter payments. It serves thousands of SME merchants across Singapore, Malaysia, the Philippines, and beyond. · Payments · Fintech Infrastructure · Founded 2016 · Singapore · Series A · US$16M raised ## Fintech Infrastructure companies in the Philippines Backend technology and APIs for financial services Browse fintech infrastructure companies with their licences, funding and links to their sites and developer docs. --- From fintech.ph, an independent directory of fintech companies in the Philippines, as of October 27, 2026. Please link to https://fintech.ph/category/fintech-infrastructure when citing this page.