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  • API
  • File Upload
  • White-Labeled App

A service that will allow you to disburse funds or payout directly to local bank/e-wallet accounts of your end-users or internal business partners. Process intra-bank fund transfer (Netbank Account to Netbank Account), inter-bank fund transfer (Netbank Account to Other Bank Account), and wallet top up (Netbank Account to e-Wallet) via a single API, via the File Upload Platform, or via a White-Labeled App.


Full-access to the up-to-date list of receiving banks and wallets

Retrieve the latest list of participating banks and e-wallet providers in Instapay and PESONet.

Multiple ways to process any type of payout to any bank or wallet account.

Through a single API endpoint or via our File Upload Platform, process real-time payouts to Netbank accounts, time-sensitive and small value payouts (less than Php 50,000 per transaction) to accounts in other banks or e-wallets via Instapay, or bulk and large value payouts to accounts in other banks or e-wallets via PESONet.

Multiple ways to check the status of each payout transaction.

Check the status of your payout transactions via API or via the Partner Dashboard.

Seamless way of receiving status updates on each payout transaction

Receive notifications directly from our system to yours as soon as we get status updates regarding your transactions.

Perform system health checks before sending your transactions

Check the status of the Instapay and Pesonet system to make the necessary adjustments in your operations and send the necessary notifications to your End-Users in case there are issues or downtimes.

Your Customer Experience

Here's the general flow of how the service will work.

your customer experience


A fully-regulated Bank with direct connection to the payment rails.

We have direct integration to the Automated Clearing Houses (less points of failure) and direct access to the ACH support lines (less escalation points, less dependencies, more efficient in issue resolution and transaction reconciliation)

Fast and Straightforward Onboarding Process

We have open APIs and a Sandbox environment to allow clients to test run the services and how it could properly fit into the client’s system and processes + a straightforward and easy-to-follow onboarding process to support quick Go-To-Market timelines.

Holistic Solutioning Approach

We have a dedicated team that will closely listen and work with you to understand your requirements to come up with a holistic solution with our other products and services (such as attaching these transactions to collect and accounts for an end-to-end cashflow). Single partnership, agreement, and integration-point but a wider solution coverage.

Reliable Service accompanied with auxiliary tools and services

Our integration channels provide clear response codes accompanied with tools (Dashboards and Webhooks) to track and reconcile transactions.

Multiple Integration Points

We have multiple available integration options via open APIs, via File Upload, or launch fast with a white-labeled mobile app.

Dedicated Post-Implementation Support

We have a complete support team dedicated to this service + a complete ticketing system to ensure quick response times and constant updates to any concern because we completely understand that the client’s transactions are highly sensitive.

Standard Pricing

We offer a straightforward pricing model for our standard engagements.

Do you have a customized commercial model in mind?
Feel free to reach out to us using the Contact Us form below
Fee type Standard Rate
Disburse-to-Account Fee (Intrabank) Php 2.00 per transaction
Disburse-to-Account Fee (Interbank) Php 10.00 per transaction
Minimum Monthly Invoice NONE
Fixed Monthly Fee NONE
ADB Requirement NONE

Free and unlimited use of the Sandbox and
Development Tools

We can freely customize the service but may require
an additional setup fee and minimum monthly invoice
after the effort assessment

Easy Onboarding Process

We have a straightforward and easy-to-follow onboarding process to support quick Go-To-Market timelines.

Get Started with Netbank Virtual


(Optional) Reach out to our team to scope and design the right and fitting solution for you

Sign up in Netbank Virtual and nominate your account credentials


Log-in to the Partner Dashboard using your Netbank Virtual Account Credentials

Generate your Sandbox Access Credentials

Browse, Integrate and Test our products in Sandbox

Finalize the list of products to be availed


Request and receive for your UAT Access Credentials

Perform performance, load, security and acceptance testing

Go Live

Open a Netbank Corporate Account

Sign and accomplish the BaaS License agreement and other requirements

Request for PROD access with testing sign off

Receive your PROD Access Credentials and Go Live

*Most of the steps and tasks are self-service so the completion depends on your pace.
**Tasks that are with Netbank will range from instant to 2 days of processing for each.


A list of business, technical, regulatory, and security requirements that the client must accomplish BEFORE GOING LIVE.

A Signed BaaS License Agreement.

A Netbank Corporate Bank Account as the Settlement account for the transactions.

The final commercial terms.


Got any questions, concerns or suggestions?

Get in touch with us.

Have a customized engagement in mind? Drop us a message and tell us what you're envisioning