Use cases

The patterns below cover most Money Movement workloads on PayMongo. Each one calls out the rail that fits, whether to use individual or batch transfers, and the operational tradeoff that usually drives the design.

Marketplace seller disbursements

A platform that collects payments from buyers and needs to pay sellers their share, minus the platform's commission. Each seller may have a different bank, different cadence, and different threshold for when they want to be paid.

• Group disbursements into a daily batch and send via PESONet at the next cycle. Use InstaPay only for sellers who opt into instant transfer at a higher per-transfer fee.
• Reconcile per-seller using your platform's seller ID in the transfer's metadata.
• Hold the seller's share in the platform wallet until the seller meets the minimum threshold, then disburse.

Logistics or gig driver payments at scale

A logistics company runs transfers for thousands of riders or drivers each day. Some workers want their earnings as soon as a trip ends; most are fine with a daily settlement to their bank account.

• Bundle the day's transfers into a batch transfer of up to 1,000 recipients and submit ahead of a PESONet cycle.
• For instant-cashout requests, send single InstaPay transfers — they settle 24/7 within seconds.
• Watch your wallet's daily outward limit — high-volume runs can hit it before the batch finishes if you don't pre-check.

Insurance and claim disbursements

An insurer or healthcare claims processor approves a claim and needs to send funds to the claimant the same day. Volume is steady but every individual disbursement matters because a delayed transfer is a customer complaint.

• Send each approved claim as an individual InstaPay transfer for amounts within the InstaPay limit; fall back to PESONet for higher claim amounts.
• Carry the claim ID in the transfer's metadata so the customer service team can answer "where is my money" without leaving their tooling.
• Subscribe to status webhooks so the claimant gets a notification the moment the rail confirms.

Loan funding

A lender originates a loan and needs to send the principal to the borrower's bank account. Speed matters less than predictability — the borrower is told upfront when the funds will arrive, and the disbursement has to land on that day.

• Use PESONet for principal amounts above the InstaPay limit. Submit ahead of the cycle that aligns with the disbursement date you promised the borrower.
• For loans above ₱5,000,000, plan for the PESONet and its different settlement window.
• Carry the loan ID in metadata so repayments and disbursements reconcile against the same record.

Internal treasury between your own wallets

A business runs more than one wallet — for example, a collections wallet that receives customer payments and an operating wallet that funds expenses — and needs to move funds between them on a schedule. The transfer never leaves PayMongo, so you don't pay rail fees and the funds become available immediately on the destination wallet.

• Use the paymongo provider for any wallet-to-wallet movement. No rail involved, no clearing window to wait for.
• Schedule sweeps from your collections wallet so the operating wallet has predictable funding. The ledger keeps a clear record of every sweep for finance.