NextPay
BSP-regulated payment infrastructure for Philippine payouts, collections, and invoicing
NextPay is a BSP-regulated Philippine payment infrastructure platform best for SMEs and platforms that need payroll payouts, QR Ph collections, or embedded payment APIs without opening a corporate bank account or waiting on a Philippine payments license. Its SEA edge is direct BSP regulation, connections to 90+ local banks and e-wallets, and over PHP 28 billion in processed volume, all quoted in Philippine pesos. The caveat: it operates in the Philippines only, so multi-country SEA businesses still need a separate gateway for other markets.
- ✓BSP-regulated Operator of Payment System, not a remittance workaround
- ✓Free PayGo tier and free sandbox before committing to a paid plan
- ✓Connects to 90+ Philippine banks and e-wallets including GCash, Maya, BDO, and BPI
- ✓Y Combinator-backed (W21) with over PHP 28 billion in processed volume
- ✓REST API with webhooks and idempotency keys for embedded payment products
- ×Philippines-only - no coverage for Singapore, Thailand, Malaysia, Indonesia, or Vietnam
- ×Paid monthly plans start around PHP 1,500+/month once volume grows past PayGo
- ×NextCollect charges a 2% fee on collected payments
- ×Smaller merchant network than incumbent PH gateways like PayMongo or Xendit
About NextPay
NextPay (operated by NextEnterprises Inc.) is a Manila-based, Y Combinator-backed (W21) payment infrastructure company regulated by the Bangko Sentral ng Pilipinas (BSP) as an Operator of Payment System. It has processed over PHP 28 billion in Philippine payment volume through products for batch payouts, QR Ph collections, invoicing, and embedded payment APIs across 90+ local banks and e-wallets.
Key Features
Best For
Southeast Asia Fit
NextPay is regulated directly by the Bangko Sentral ng Pilipinas (BSP) as an Operator of Payment System and connects to 90+ Philippine banks and e-wallets including GCash, Maya, BDO, and BPI. Pricing, collection fees, and processed volume (PHP 28B+) are quoted in Philippine pesos, and its QR Ph integration is specific to the Philippines' national QR payment standard.
- Philippines
- SEA
Integrations
- Messaging
- SMS
- Messenger
- Viber
- Payment
- QR Ph
- GCash
- Maya
- BDO
- BPI
- UnionBank
- Other
- REST API
- Webhooks
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Related Analysis & Guides
The questions operators actually ask.
Is NextPay regulated by the BSP?
Yes, NextEnterprises Inc. (NextPay) is registered with the Bangko Sentral ng Pilipinas as an Operator of Payment System, not a remittance agent.
Does NextPay have a free plan?
Yes, NextPay offers a PayGo tier at PHP 0/month for teams testing low-volume payouts, plus a free sandbox for API access.
Does NextPay support QR Ph?
Yes, QR Ph collection is available through NextCollect bill links and NextInvoice invoicing, with a 2% collection fee when using the standalone collection product.
Is NextPay available outside the Philippines?
No, NextPay's banking connections and BSP regulation are scoped specifically to the Philippines.