Source: https://fintech.ph/listing/tendopay

T

# Tendo by Tonik

Consumer credit and employee financial wellness by Tonik

[Buy Now Pay Later](https://fintech.ph/category/bnpl) [Lending](https://fintech.ph/category/lending) [Financial Inclusion](https://fintech.ph/category/financial-inclusion)

[Visit website](https://tendo.ph/)

- **Founded**: 2018
- **Headquarters**: Pasig City, Philippines
- **Stage**: Private
- **Licences**: 1. SEC

## Overview

Tendo (formerly TendoPay, now "Tendo by Tonik") is a Philippine consumer-credit and employee financial-wellness platform. Founded in 2018 and operated by Templetech Finance Corp., it offers 0% installment "buy now, pay later" purchases across 200+ partner merchants, plus emergency cash loans, salary advances, bill payments, automated savings, prepaid health insurance, and rewards. Acquired by Tonik Digital Bank in 2022, Tendo now partners with the BSP-licensed neobank — which funds its loans — to extend accessible digital credit and payroll-linked financial services to Filipino consumers and employers.

### Products

- 0% installment / Buy Now Pay Later
- Emergency cash loan
- Salary advance
- Bill payment
- Automated savings
- Prepaid health insurance

### Serves

Employees Shoppers Employers

## Funding and ownership

Stage

Private

Parent organisation: Tonik Digital Bank, Inc.

## People

- Kacper Marcinkowski Co-Founder & CEO

## Licences and certifications

- [SEC Certificate of Authority to Operate as a Financing Company No. 1228 (Templetech Finance Corp.)](https://fintech.ph/licence/financing-companies) [Check: Tendo Terms — Templetech Finance Corp. (SEC CoA No. 1228)](https://tendo.ph/terms)

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## Contact and links

[tendo.ph](https://tendo.ph/)

- [x](https://twitter.com/tendopayph)
- [facebook](https://www.facebook.com/tendobytonik)
- [linkedin](https://www.linkedin.com/company/tendopay/)
- [instagram](https://www.instagram.com/tendobytonik/)

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[More in Buy Now Pay Later](https://fintech.ph/category/bnpl)

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From fintech.ph, an independent directory of fintech companies in the Philippines, as of October 27, 2026. Please link to https://fintech.ph/listing/tendopay when citing this page.