Introduction

Move money on PayMongo. Collect payments into a wallet, top it up from a bank or e‑wallet, and send funds back out — to your own account, to a supplier, to thousands of contractors in a single batch upload, or out to a customer scanning a QR code. One API and one ledger handle every flow, across every rail.

PayMongo runs a set of money‑movement rails in the Philippines — every BSP‑supervised network (InstaPay, PESONet, QR Ph) plus our own internal wallet‑to‑wallet rail — and the same primitives extend outward. Forex unlocks cross‑border payouts and multi‑currency wallets; bills payment unlocks B2B settlement.

Who this section is for

• Finance teams tracking settlement timelines, payout schedules, and reconciliation.
• Developers automating payouts, disbursements, and wallet-based money flows.
• Operations teams managing day-to-day balance, top-ups, and transfers.

What you'll find in this section

• Key concepts — wallets, payouts, disbursements, InstaPay, PESONet, settlement cycles, and the difference between receiving and sending money.
• Use cases — real-world examples of how businesses use Money Movement.
• Quick start — the fastest path to moving money on PayMongo.
• Wallets — what a PayMongo Wallet is and how to use it.
• Disbursements — how to send money to third parties.
• Payouts — how funds from your accepted payments are settled into your PayMongo wallet, and on what schedule.
• Forex and Bills payment — upcoming capabilities.
• Best Practices, Troubleshooting, and Testing — safeguards and how to validate flows before going live.