Payments infrastructure · PH & SEA

One connection.
Every payment rail.

PayMo Co. is the payments layer connecting your business to the Philippines' money rails — from your website and checkout to your store counter and over-the-counter. One integration, every way customers pay.

RAILS PESONet · InstaPay METHODS 8+ CHANNELS 5
What we do

Accept payments everywhere you sell

Online or at the counter, PayMo Co. gives you one way to take cash-in and pay out cash — across every channel your business runs on.

Online & checkout

Drop payments into your website and e-commerce checkout so customers pay without leaving your store.

// web · plugin · hosted

Social commerce

Collect payments straight from Facebook, Instagram, and TikTok with shareable payment links.

// pay-links · QR

In-store & OTC

Take counter and over-the-counter payments with QR and partner channels at your physical locations.

// pos · otc · cash

Cash-in and cash-out across the rails

Powered by PESONet and InstaPay, with the wallets, cards, and cross-border methods your customers already use.

GCash
Maya
GrabPay
Cards credit · debit
Alipay cross-border
WeChat Pay cross-border
PESONet bank
InstaPay real-time
How it works

From sign-up to settled, on one connection

01 / CONNECT

Connect your channels

Link your website, checkout, social pages, and store locations to PayMo Co. — no juggling separate providers.

02 / ACCEPT

Accept every method

Your customers pay with wallets, cards, bank transfers, or over-the-counter — whatever's easiest for them.

03 / SETTLE

Move money in and out

Cash-in collections and cash-out disbursements run on PESONet and InstaPay, settled to your business.

Payments explainer

Where every payment fee goes

On every card payment, value moves through several players. Here is a simple breakdown of the chain so merchants can understand cost, settlement, and who earns across each hop.

Example transaction: $100 card purchase

Merchant Discount Fee (MDF)$2.00
Interchange to issuing bank$1.75
Acquirer markup$0.25
Network assessment/processing$0.10

Result: merchant settles approximately $98.00 on a $100.00 card sale, before other service-level adjustments.

Why this matters for your business

  • Improve pricing decisions across online, social, and in-store channels.
  • Choose payment methods based on settlement speed and total cost.
  • Benchmark provider offers against a clear fee structure.
  • Plan better cash flow with realistic net collection expectations.
Talk to sales about your fee mix
About PayMo Co.

Payment technology built for growing businesses

PayMo Co., Inc. is a payment technology provider connecting merchants to payment rails across the Philippines and Southeast Asia. We make accepting and moving money simple for small and medium businesses — the engine of the regional economy.

We bring the channels you sell through and the networks your customers pay with into one connection, so you can focus on running your business instead of stitching together payment tools.

We deliver this in partnership with established infrastructure and licensed operators across the region, pairing their reach with technology designed around how SME merchants actually work.

PayMo Co., Inc. is in the process of registering as an Operator of Payment System (OPS) with the Bangko Sentral ng Pilipinas. Services are offered in partnership with licensed providers.

2
Markets — Philippines & SEA
5
Channels, online to OTC
8+
Payment methods supported
1
Connection to run it all
In partnership with
ARX
Talk to sales

Let's connect your payments

Tell us how to reach you and our sales team will get in touch to walk you through setting up payments for your business.

sales@paymoco.com
Metro Manila, Philippines

We'll only use your details to respond to your inquiry.