Overview

PayMongo Platforms enables businesses to build, scale, and white-label payment and financial service ecosystems. Platforms can onboard sub-accounts, collect payments, split and route funds, and provision wallets seamlessly—all under their brand.

Businesses such as marketplaces, logistics, and SaaS platforms use Platforms to manage payments and payouts between customers, sellers, delivery riders, and other entities in their ecosystem.

Key Concepts

Term	Definition
Parent Account	Your platform organization that onboards child accounts, manages them and may act on their behalf.
Child Account	A sub-account under the parent (merchant, partner, seller, rider) created and managed by your platform. The child has its own identity and status in the system.
Payment Splitting	The process of dividing a single payment between multiple parties—typically the platform and one or more child accounts.
Acting as Child	The parent uses its API key (and additional headers or parameters) to execute payment operations in the context of a child account.

Key Features

Account Management and Onboarding

Create and manage users created in your platform (Child Accounts) through automated onboarding flows. Determine what features to provision to your users depending on your business needs.

Extend PayMongo's various products and services to your Child Accounts - from payments to wallets, the choice is yours to make!

Onboarding API Integration

Automate sending KYC information from your platform to PayMongo

Hosted Onboarding

A self-service onboarding form for a quick, out-of-the-box onboarding solution

Hybrid Approach

Combine both methods based on your desired use case

Payment Processing and Splitting

Process payments and automatically distribute funds between multiple parties based on configurable business rules.

With payment splitting, you can automate fund distribution on a per-transaction level, making it easier for multi-party reconciliation and giving you the opportunity to explore revenue sharing models for your business.

Transfer to

Route full net amount or remaining amount after splits to designated accounts

Percentage splits

Allocate specific percentages to different parties (e.g., 3% platform fee, 97% to merchant)

Fixed amount splits

Deduct predetermined amounts regardless of transaction size (e.g., ₱50 processing fee)

Use Cases

flowchart LR 
 P[Food delivery order: ₱500]

 P -- "₱350 (70%)" --> R[Restaurant]
 P -- "₱100 (20%)" --> D[Delivery partner]
 P -- "₱50 (10%)" --> PF[Platform fee]

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Learn more in Payment Splitting API reference guide.

Parent Account Acting as Child Account

Enables a parent account to perform payment-related actions on behalf of a child account. This lets the platform process payments for connected child accounts while maintaining separate ledgers, visibility, and compliance boundaries.

Use Cases

Marketplace Platform

A marketplace that onboards sellers (child accounts) and uses the parent account's API key to create charges on behalf of sellers.

SaaS Multi-tenancy

A SaaS company that provisions child businesses and handles all payments but attributes each payment to the child account internally.

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Learn more in Parent Account Acting as Child Account guide.

Pricing

PayMongo Platforms pricing is customized based on your specific integration requirements and feature usage starting at Php 75.00 PHP per month per activated sub-account.

To learn more, visit our pricing page here or connect with us at [email protected] to share your business needs.