The Better Way To

We are a Fintech solutions provider that provides world-class yet affordable end to end digital banking solutions designed to interconnect the entire banking and payment industries in the Philippines.

The Better Way To

We are a Fintech solutions provider that provides world-class yet affordable end to end digital banking solutions designed to interconnect the entire banking and payment industries in the Philippines.

Learn More

What do we do?

PearlPay aims to solve the Filipino’s everyday transaction problems using the best digital banking solutions.
Inconvenient Transaction Process

Filipinos spend an average of 21 minutes and 43 Php to go and process transactions to the nearest financial access points.

High Transaction Cost

Banks charge an average of 11% to send money to the Philippines, which is over 3% higher than the global average cost of 7.3%

Limited Foreign Payment Access

Only a handful of rural banks are online and members of foreign payment networks such as MasterCard and Visa or local interbank network like Bancnet.

Outdated Technology

Philippines has an estimated 2.5 billions of payments monthly amounting to $74 billion (Php 3.76 trillion) annually but only 1% are electronic while the remaining 99% are transacted in cash or check.

Creating a Unified
Payment Network

More than 75% of Filipinos still don’t have the right financial access due to accessibility. Not all banks, especially rural banks, have e-payment systems and mobile payment solution service providers; despite rural banks having a wider reach with more than 90% scattered strategically throughout the country. Additionally, most available technologies and payment solutions that need an updated phone or good wifi connection are not incorporated in the Filipinos’ financial habits.

PearlPay’s range of products offers a unified payment network that promotes a secure digital financial lifestyle that doesn’t rely on the internet or the latest gadget. This ecosystem of solutions provides beneficial financial access and services to financial institutions, small and medium enterprises, and Filipinos.

How We're Changing Filipino Lives

Creating a Unified
Payment Network

More than 75% of Filipinos still don’t have the right financial access due to accessibility. Not all banks, especially rural banks, have e-payment systems and mobile payment solution service providers; despite rural banks having a wider reach with more than 90% scattered strategically throughout the country. Additionally, most available technologies and payment solutions that need an updated phone or good wifi connection are not incorporated in the Filipinos’ financial habits.

PearlPay’s range of products offers a unified payment network that promotes a secure digital financial lifestyle that doesn’t rely on the internet or the latest gadget. This ecosystem of solutions provides beneficial financial access and services to financial institutions, small and medium enterprises, and Filipinos.

How We're Changing Filipino Lives

Our Top Digital Banking Solutions

Providing the latest fintech solutions to the FIlipinos to enable cashless digital transactions in the Philippines.

Core Banking Solution

PearlPay CBS is a world-class cloud-based core banking solution offered as SaaS (Software as a Service). It is cloud-native and designed to allow banks to scale quickly using cloud platforms.

Agent Banking Solution

PearlPay ABS is a portable point-of-sale (POS) mobile technology device that delivers a range of card, mobile wallet, and banking solutions without dependence to the internet or new mobile phones.

PearlPay Mobile Wallet

PearlPay’s wallet solutions will eventually power a bigger ecosystem of products and solutions like the PearlPay REMIT and PearlPay PESO.

Featured On

Partners

Pearl Pay signs pilot program with BHF Rural Bank
In the News

PearlPay Signs Pilot Program With BHF Rural Bank

PearlPay has signed a pilot program agreement with BHF Rural Bank, Inc. (BHF), based in Dagupan City and operating seven branches.

This marks the first time a Philippine rural bank will utilize cloud-based technologies such as core banking solutions (CBS), agent banking solutions (ABS) and white-label eWallet solutions, all of which are designed to reach customers with limited or no access to the internet.

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Want to Learn More?

Check out PearlPay’s Quick facts.