Fintech-as-a-Service
Bentamo builds modular business tools for Philippine MSMEs. NextAPI adds embedded payments — so your merchants collect QR Ph, split fees, and settle automatically, without you becoming a payment company.
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's POS module already handles transaction processing for cafés, retail shops, and mini-marts. With NextAPI embedded, every merchant on Bentamo Hub can accept QR Ph payments — GCash, Maya, and all banks — directly inside the POS screen they already use. You earn a share of every transaction fee. No per-merchant account fees. No BSP license needed. One integration covers your entire merchant network as it grows.
Bentamo Hub serves education centers, service companies, and cooperatives that bill subscribers on a recurring cycle — tuition, monthly plans, membership dues. NextAPI embeds QR Ph collection directly into your billing module so subscribers pay through the portal, payments auto-reconcile, and your team stops manually checking bank statements. You can also bundle this for your Hub clients as a revenue-generating add-on — earning 10%+ of net transaction fees on every payment they collect.
Bentamo Hub includes an HRM and Payroll module for employee records, attendance, and payslip generation. NextAPI closes the loop on actual disbursement — one API call sends salaries to any PH bank or e-wallet, with webhook confirmation per recipient. Whether your Hub clients have 10 or 1,000 employees, payroll runs the same way: upload once, everyone gets paid by end of day, with a receipt for each person. No manual bank transfers, no missed payrolls.
Spree Rewards connects merchants with their customers through loyalty and engagement. As that network grows, so does the need for merchant payouts — commissions, reward cashbacks, partner settlements. NextAPI handles on-demand disbursement to any bank or wallet, with real-time confirmation. Whether you're settling loyalty cashbacks to Spree merchants in CDO or paying out referral partners across your ecosystem, one API integration covers the full disbursement flow.
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
Built for platforms like Bentamo — where payments should be invisible infrastructure, not a product you build yourself.
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 cloud POS platform serving restaurants and retail merchants integrated NextAPI once and enabled every merchant on their network to accept QR Ph payments through the same dashboard they already used. The platform earns a share of every transaction fee — no per-merchant account charges, no BSP license required, and no separate reconciliation system. Merchant onboarding went from weeks to days.
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.
Bentamo already serves 100+ MSMEs across the Philippines with modular, deployable tools. NextAPI adds the payment infrastructure layer — so your Hub merchants can collect, your billing clients can auto-reconcile, and your HRM module can actually disburse payroll. One integration. One BSP-licensed partner. Every bank and wallet in the Philippines covered.