PayKonek
Get started
Payment gateway · Disbursements · Financial services

Complete payment solutions to power your business

Accept payments, automate disbursements, enable cash-ins and access essential financial services through one reliable payment solutions platform.

No onboarding service feeOther charges may apply. Pricing details

Explore our solutionsContact sales
  • Sandbox access from day one
  • Verified businesses only
  • Security switched on by default

Built for how businesses in the Philippines get paid

How PayKonek works today, by design.

  • 6

    payment and financial solutions on one platform

  • ~1 day

    typical business verification review

  • 3 days

    of automatic, signed webhook retries

  • 0

    full payout account numbers shown back to your team

Our solutions

One platform for every way money moves in your business

Collect, pay out and offer financial services to your customers, with the security and reporting your finance team expects.

Payment Gateway

Accept digital payments through one integration: QR Ph from bank and e-wallet apps, hosted checkout, payment links and real-time status.

Self-serve todayGet started

Disbursement Solutions

Send payouts and transfers to customers, employees, merchants and other recipients through supported bank and e-wallet channels.

Arranged with our teamTalk to sales

Payment Terminal Solutions

Support in-person transactions with compatible payment terminals and point-of-sale payment solutions.

Arranged with our teamTalk to sales

Bills Payment

Let customers pay utility bills and other supported billers through our platform.

Arranged with our teamTalk to sales

E-Wallet Cash-In

Allow customers to fund their e-wallets through supported cash-in channels.

Arranged with our teamTalk to sales

QR Ph Payments

Accept QR Ph from any participating bank or e-wallet app, online, on payment links or on printed counter signs.

Self-serve todayGet started
Pricing

No onboarding service fee

Get started with our payment solutions without an onboarding service fee. Applicable transaction, processing and other service-related charges may still apply.

Request a quotation
Full pricing disclaimer

Charges that may apply, where relevant

  • Transaction and payment processing fees
  • Disbursement and transfer fees
  • Payment terminal or hardware costs
  • Bills payment charges
  • E-wallet cash-in fees
  • Applicable taxes
  • Third-party, bank or partner service charges

How pricing is set

  • Actual rates and charges may vary depending on the selected products, payment methods, transaction volume, business requirements and applicable partner terms.
  • Final pricing, applicable fees and service conditions are confirmed by our team through an official quotation, rate schedule or service agreement before activation.
  • Pricing and service terms may be updated with appropriate notice, subject to the applicable agreement and requirements.
  • All services are subject to eligibility, availability and applicable terms and conditions.

Pricing Disclaimer: We do not charge an onboarding service fee. However, transaction fees, processing fees and other charges may apply depending on the payment solution and services selected. Additional fees, taxes, terminal costs or third-party charges may apply where relevant. Actual rates and applicable terms will be confirmed by our team in an official quotation or service agreement. All services are subject to eligibility, availability and applicable terms and conditions.

Why PayKonek

Reliable, secure and ready to grow with you

These are switched on for every account, from your first sandbox test to enterprise volumes. Nothing to configure.

Secure by default

  • Two-step sign-in and a reviewable sign-in history
  • Bank details encrypted; API secrets stored hashed
  • Payout account changes reviewed by compliance
  • Full audit trail of every sensitive action

Reliable

  • Payments confirmed with the provider before they count
  • Daily reconciliation against provider records
  • Signed webhooks, retried automatically for 3 days
  • Nightly encrypted backups, verified weekly

Flexible

  • REST API with sandbox keys from day one
  • No-code payment links and printable QR standees
  • Real-time dashboard and wallet for your team
  • Weekly or monthly payout schedules

Built to scale

  • Team roles with least-privilege access
  • Idempotent API: safe retries, no double charges
  • Separate sandbox and live environments
  • Verified businesses only on live payments
Industries we serve

Payment solutions shaped around your business

From a single store counter to marketplaces paying thousands of partners, combine the solutions that fit how you operate.

E-commerce and social sellers

Hosted checkout, payment links for chat orders, and webhooks that update your store automatically.

Payment GatewayQR Ph Payments

Professional services

Send a secure payment link with each invoice and see it settle in your wallet.

Payment Gateway
Getting started

From sign-up to your first payout

  1. Step 1

    Sign up and test

    Create your account and use sandbox straight away: test payments, payment links and webhooks without real money.

  2. Step 2

    Verify your business

    Upload your registration documents. Our compliance team usually reviews them within one business day.

  3. Step 3

    Go live

    Turn on live mode, add your verified payout account and start accepting payments from customers.

  4. Step 4

    Get paid out

    Watch payments arrive in your wallet in real time and receive payouts on the schedule you choose.

Developers

A clean API you can test in minutes

Create a payment with one request, then get a signed webhook the moment it's paid. No polling needed.

  • Sandbox keys the moment you sign up
  • Idempotency keys: safe retries, no double charges
  • Signed webhooks with automatic retries for 3 days
  • API reference with a Try-it console and code in cURL, Node.js, PHP and Python
Get sandbox keys
Create a QR Ph payment
curl -X POST https://api.paykonek.net/api/v1/payments/qr-ph \
  -H "X-Client-Id: $PAYKONEK_CLIENT_ID" \
  -H "X-Secret-Key: $PAYKONEK_SECRET_KEY" \
  -H "Idempotency-Key: order-1001" \
  -H "Content-Type: application/json" \
  -d '{ "amount": 1250, "merchant_reference": "ORDER-1001" }'
Webhook your server receives
{
  "id": "evt_01jb8x3k5q2v7n9m4c6d8f0h2j",
  "type": "payment.succeeded",
  "data": {
    "object": {
      "reference_no": "B2B1A2B3C4D5",
      "merchant_reference": "ORDER-1001",
      "status": "success",
      "amount": 1250,
      "currency": "PHP"
    }
  }
}
Our network

Our trusted partners

Banks, financial institutions and technology providers that help us move money safely.

Presentation preview: these partner names and logos are fictional and shown for demonstration purposes only.

FAQ

Questions businesses ask us

Can't find your answer? Contact our team or create a free account and explore in sandbox.

Ready to power your business with smarter payment solutions?

Discover flexible payment and financial service solutions designed to support your business needs.

No onboarding service fee. Other charges may apply; see the pricing disclaimer.

Contact salesExplore solutionsBecome a partner