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 Workflows, you can automate tasks like splitting payments, scheduling disbursements, triggering refunds, or setting custom rules based on transaction conditions by creating automations to be chained by Paymongo Event Bridge as well as various PayMongo Integrations.

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.