Fintech-as-a-Service
Bentamo builds modular digital tools for Philippine MSMEs. NextAPI adds embedded payments — so your merchants can collect QR Ph, run payroll, and manage billing inside the platforms they already use.
Every platform you build eventually needs to collect or send money. But payment infrastructure is not your core business — and it shouldn't be.
Getting a Bangko Sentral ng Pilipinas license to operate payment services takes over a year — and costs millions.
Each bank has its own API, certification process, and maintenance burden. Supporting all major banks means years of work.
Compliance workflows, KYB for every merchant, reconciliation systems, settlement logic — the hidden costs add up fast.
You're a software company, not a payment company.
The Platform
One API that handles both collecting and sending money, with full multi-merchant management and real-time reconciliation. Your platform, our payment rails.
Platform Hierarchy
3-level hierarchy: Partner > Merchant > Account — unlimited merchants, no per-merchant fees
One API. Both directions. Full reconciliation.
Use Cases
Every software product you build for Philippine businesses can have embedded payments. Here's what that looks like.
Your Hub POS module already handles transactions, receipts, and inventory for cafés, retailers, and clinics across CDO. Embedding NextAPI means your merchants can accept QR Ph payments — GCash, Maya, and all major banks — directly inside the same screen they already use. No separate payment app. No manual reconciliation. Each merchant gets their own settlement dashboard, and Bentamo earns a revenue share on every transaction processed.
Bentamo Hub's HRM module tracks attendance and generates payslips. NextAPI closes the last mile — disbursing salaries to any Philippine bank or e-wallet in one API call. Whether your MSME clients have 5 employees or 500, payroll goes out on time, with webhook confirmation per recipient. Finance teams stop spending days on manual bank transfers and start running payroll from the same dashboard they use for everything else.
Your Hub roadmap targets education centers, service companies, and clinics — all of which have recurring billing needs. NextAPI embeds QR Ph collection directly into their billing or booking modules. Students pay tuition via QR code. Clinic patients settle invoices through the portal. Cooperative members pay dues without calling the office. Auto-reconciliation means the organization knows instantly who paid — no more checking bank statements manually.
As Spree Rewards grows its merchant network across CDO and beyond, merchants will need more than loyalty tracking — they need fast, reliable payouts for commissions, referrals, and staff incentives. NextAPI enables Spree to disburse earnings to any bank or wallet instantly, triggered by platform activity like redemptions or referral completions. One API handles hundreds of merchant payouts per cycle — with proof-of-transfer for every recipient.
See how NextAPI compares against the alternatives your clients are evaluating.
| Feature | NextAPI | XenPlatform | PayMongo | Build Your Own |
|---|---|---|---|---|
| Per-merchant fee | None | P85/mo each | Not platform-ready | N/A |
| Hierarchy depth | 3 levels | 2 levels | 2 levels | Custom |
| Money-In + Out | Yes | Yes | Partial | Custom |
| BSP license needed | No | No | No | Yes (12+ mo) |
| Time to integrate | Weeks | Weeks | Weeks | 12+ months |
| Fee splitting | Automatic | 0.5% fee | Manual | Custom |
| Merchant approval | Fast | Standard | 14 biz days | N/A |
* Comparison based on publicly available information as of March 2026.
The Partner Model
Bentamo serves 100+ MSMEs across POS, HRM, e-commerce, and loyalty. NextAPI plugs into each module — one integration, every payment rail, zero BSP licensing burden.
Your engineering team learns NextAPI once. Our sandbox lets you test with simulated payments before touching real money.
Every client project — POS, HRIS, e-commerce, billing — can embed payments using the same integration patterns.
Charge integration fees per client project. Plus earn recurring revenue share on every transaction processed through your integrations.
White-label experience. Your clients see their own merchant dashboard, manage their own transactions. You stay in control.
Integration fee per client project
Revenue share on transaction fees — recurring, foreverRate varies by volume
Merchants per client — no per-merchant fees
A provincial cloud POS platform serving restaurants and retail merchants embedded NextAPI to offer QR Ph payments natively inside their platform. Their merchants stopped asking for a separate payment solution — and the platform started earning on every transaction instead of relying on subscriptions alone. No per-merchant fees. No BSP license required. One integration covered collection, fee splitting, and per-merchant settlement dashboards.
Traction
Monthly GTV (Jan 2026)
Cumulative Volume
Transactions Processed
Active Merchants
Active Platform Integrations
NPLs on P83M+ Lending Book
Silver Winner, CX Excellence
KMC Startup Awards 2025
Getting Started
We learn about your clients and map the right integration path.
Full test environment with simulated payments. Your devs can start building today.
Your team integrates NextAPI using our docs and developer support.
Our fastest partner completed their technical integration in just 2 weeks.
Launch with a real client on a small scale. Validate the full flow.
Scale to all clients. Onboard new merchants continuously.
Explore endpoints, test requests, and see response schemas — all in the browser.
Your Hub, Spree Rewards, and HRM modules touch hundreds of MSMEs every day. Embedding NextAPI means those same businesses can collect payments, run payroll, and settle invoices — without leaving your platform. One integration. Every rail. BSP-licensed so you don't have to be.