Fintech-as-a-Service
NextAPI is Fintech-as-a-Service. One integration gives your clients QR Ph collection, real-time payouts, and multi-merchant management — all BSP-licensed.
Every platform you build eventually needs to collect or send money. But payment infrastructure is not your core business — and it shouldn't be.
Getting a Bangko Sentral ng Pilipinas license to operate payment services takes over a year — and costs millions.
Each bank has its own API, certification process, and maintenance burden. Supporting all major banks means years of work.
Compliance workflows, KYB for every merchant, reconciliation systems, settlement logic — the hidden costs add up fast.
You're a software company, not a payment company.
The Platform
One API that handles both collecting and sending money, with full multi-merchant management and real-time reconciliation. Your platform, our payment rails.
Platform Hierarchy
3-level hierarchy: Partner > Merchant > Account — unlimited merchants, no per-merchant fees
One API. Both directions. Full reconciliation.
Use Cases
Every software product you build for Philippine businesses can have embedded payments. Here's what that looks like.
Your client builds a POS or ordering platform for restaurants, retailers, or service providers. NextAPI lets each merchant accept QR Ph payments through the app — with automatic fee splitting, per-merchant dashboards, and real-time settlement.
Your client manages payroll for companies with 100 to 10,000+ employees. NextAPI pays every employee to any bank or wallet in one API call — with proof-of-transfer and automatic reconciliation. No per-recipient fees.
Your client serves ISPs, schools, or utility providers. NextAPI collects subscriber payments via QR Ph and reconciles automatically — your client earns a fee on every payment collected.
Your client runs a marketplace or e-commerce platform. NextAPI handles buyer payments via QR Ph and instant seller payouts — one integration for the full money flow, from collection to multi-bank disbursement.
See how NextAPI compares against the alternatives your clients are evaluating.
| Feature | NextAPI | XenPlatform | PayMongo | Build Your Own |
|---|---|---|---|---|
| Per-merchant fee | None | P85/mo each | Not platform-ready | N/A |
| Hierarchy depth | 3 levels | 2 levels | 2 levels | Custom |
| Money-In + Out | Yes | Yes | Partial | Custom |
| BSP license needed | No | No | No | Yes (12+ mo) |
| Time to integrate | Weeks | Weeks | Weeks | 12+ months |
| Fee splitting | Automatic | 0.5% fee | Manual | Custom |
| Merchant approval | Fast | Standard | 14 biz days | N/A |
* Comparison based on publicly available information as of March 2026.
The Partner Model
You don't just write code — you architect products, shape user experiences, and build companies from the ground up. Add payments to that offering and create a compounding revenue stream with every client you ship for.
Your engineering team learns NextAPI once. Our sandbox lets you test with simulated payments before touching real money.
Every client project — POS, HRIS, e-commerce, billing — can embed payments using the same integration patterns.
Charge integration fees per client project. Plus earn recurring revenue share on every transaction processed through your integrations.
White-label experience. Your clients see their own merchant dashboard, manage their own transactions. You stay in control.
Integration fee per client project
Revenue share on transaction fees — recurring, foreverRate varies by volume
Merchants per client — no per-merchant fees
A Cebu-based IT services company onboarded multiple ISP clients within their first year and now earns the highest fee yield in NextPay's entire partner portfolio.
Traction
Monthly GTV (Jan 2026)
Cumulative Volume
Transactions Processed
Active Merchants
Active Platform Integrations
NPLs on P83M+ Lending Book
Silver Winner, CX Excellence
KMC Startup Awards 2025
Getting Started
We learn about your clients and map the right integration path.
Full test environment with simulated payments. Your devs can start building today.
Your team integrates NextAPI using our docs and developer support.
Our fastest partner completed their technical integration in just 2 weeks.
Launch with a real client on a small scale. Validate the full flow.
Scale to all clients. Onboard new merchants continuously.
Explore endpoints, test requests, and see response schemas — all in the browser.
Schedule a call with our partnerships team. We'll walk you through the API, share sandbox access, and map out how NextAPI fits into your client projects.