Workflows

Overview

PayMongo Workflow is a no-code automation tool that lets you customize how money moves across accounts and systems—without the need for manual work or complex code. It connects your business logic to your financial operations, so you can build, automate, and scale transaction flows with ease.

With Workflow, you can automate tasks like splitting payments, scheduling disbursements, triggering refunds, or setting custom rules based on transaction conditions.

Key Features

  • Eliminates Manual Reconciliation & Transfers
    Automate complex money movements that used to require spreadsheets, manual checks, and delays.
  • Supports Multi-Party Platforms & Marketplaces
    Great for businesses that need to handle split payouts, merchant commissions, or hold funds.
  • Speeds Up Development Cycles
    Launch financial logic changes quickly via workflow edits—no redeployments needed.
  • Reduces Risk & Human Error
    With pre-defined logic and audit trails, reduce the chances of failed disbursements or misrouted funds.
  • Scale Operations With Confidence
    Handle high-volume, multi-step money movement operations programmatically and at scale.
  • Secure & Auditable
    Every action is logged and traceable, with role-based access and integration into PayMongo’s existing security standards.

Use Cases

  • Marketplace Payouts
    Automate split payments and delayed disbursements to sellers based on delivery confirmation or return periods.
  • Ride-Hailing Incentives
    Trigger driver payouts and bonus logic based on daily or weekly ride thresholds with automated disbursement and notification.
  • Commission-Based Platforms
    Route a percentage of every transaction to agents, affiliates, or partners automatically.
  • Supplier/Vendor Payments
    Set up recurring or batched payouts (e.g., weekly supplier payments or employee stipends) triggered by calendar events or balance thresholds.
  • Custom Ledger Workflows
    Connect with PayMongo Ledger to trigger real-time balance movements and transaction logging based on business rules.