Fintech-as-a-Service
NextAPI gives Wrkpod the financial infrastructure to pay 10,000 professionals — across every locations, every bank, every wallet — without manual intervention.
You're expanding from Dumaguete to Cebu to Iloilo — and every new campus multiplies the payroll complexity. Different banks, different wallets, mandatory government contributions, 13th-month accruals. Your Finance Manager is manually chasing transfers across three cities while your Audit Coordinators reconcile data between M-Power and your banking portal. At 500 staff this is painful. At 10,000 it's a full operational breakdown.
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 managed office platform, not a payment processing 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 Wrkpod campus — from Dumaguete to Cebu to Iloilo — can run on a single automated disbursement infrastructure. Here's what that looks like.
Wrkpod manages salaries, 13th-month pay, and statutory benefit remittances for a rapidly growing workforce spread across Dumaguete, Cebu, and Iloilo. NextAPI integrates directly with your M-Power ERP so payroll runs are triggered programmatically — one API call disburses to BPI, BDO, GCash, Maya, and every other PH bank or wallet simultaneously. No more manual portal transfers. No more Audit Coordinator reconciliation loops. Each disbursement returns a webhook confirmation the instant the money lands, giving your Finance Manager a real-time, audit-ready record across all campuses.
Wrkpod invoices Australian, New Zealand, and US-based SME clients on a recurring basis for managed office services and dedicated team seat fees. NextAPI's collection infrastructure enables digital invoicing with QR Ph and virtual collection accounts — so client payments auto-reconcile against your M-Power records the moment they land. Eliminate the double-entry burden between your billing data and your bank statements, and give your Audit Coordinators back the hours they spend chasing manual verification.
As Wrkpod scales into AI video producers, digital marketing operators, and other performance-tracked roles, the need for flexible, on-demand disbursement grows. NextAPI supports event-triggered payouts — pay staff immediately upon project completion, milestone achievement, or shift end. Real-time InstaPay transfers reach every bank and wallet with webhook confirmation per recipient, so your top talent always knows their earnings landed. Faster payouts mean stronger retention in a market where competing freelance platforms are just one click away.
Wrkpod's M-Power platform already manages client accounts, team records, and operational workflows. NextAPI can embed QR Ph payment collection directly into that portal — allowing SME clients to pay seat fees, onboarding charges, or add-on services without leaving your platform. Each client gets their own collection point, transactions auto-reconcile to the right account, and your team sees real-time payment status without logging into a separate bank portal.
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
How Wrkpod can automate multi-location payroll disbursement and statutory compliance at Vision 10,000 scale.
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 leading enterprise HR and payroll platform integrated NextAPI to automate salary disbursements for thousands of employees across multiple employer accounts — reaching any Philippine bank or e-wallet in a single API call. What previously required days of manual bank portal work now runs as a scheduled batch. Webhook confirmations give their finance team instant proof that every recipient was paid, eliminating the reconciliation backlog entirely.
Traction
Monthly GTV (Apr 2026)
Cumulative Volume
Transactions Processed
Active Merchants
Active Platform Integrations
NPLs on P90M+ 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.
NextAPI integrates with your M-Power ERP to handle multi-location disbursements, statutory remittances, and client billing collection — so your Finance Manager builds systems instead of processing transfers. Let's scope the integration for your Vision 10,000 roadmap.