Home/SaaS Tools/PearlPay
PearlPay
SaaSPaid

PearlPay

Makati-based core banking, agent banking, and QR Ph digital banking platform for Philippine rural banks

Visit Site →
•Reviewed August 2026
•Pricing Verified August 2026
•Features Verified August 2026
•Thailand Fit Reviewed August 2026
Software Listing Editorial Team
Reviewed & verified by
SaaS & AI Research Desk · Thailand, Singapore, Vietnam, Indonesia, Philippines, Malaysia expertise
Quick answer · AI-search friendly

PearlPay is a Makati-based fintech providing cloud core banking, agent-banking, and white-label eWallet software for Philippine rural banks, microfinance institutions, and cooperatives, plus QR Ph acceptance through an RCBC partnership. It is best for rural banks and cooperatives digitizing operations without building in-house IT, and for LGUs, schools, and MSEs in low-connectivity areas that need QR Ph payment acceptance. Pricing is not published; it is sold as a custom enterprise deployment to financial institutions rather than a self-serve subscription.

SEA scorecard

Judged on regional fit, not vendor glossies.

Methodology →
Thailand Fit
1/10

Built specifically around Philippine rural-banking regulation and BSP's QR Ph standard, with no Thai equivalent.

SEA Localization
4/10

Deep, verified focus on Philippine rural and cooperative banking; no other SEA country documented.

LINE OA Readiness
0/10

No LINE Official Account integration; it is a banking infrastructure platform, not a chat channel.

Marketplace Readiness
2/10

Not an e-commerce tool, though QR Ph acceptance lets MSEs take digital payments in-store.

SME Affordability
5/10

No published pricing; affordability depends on a custom quote negotiated per institution.

At a glance
Best For
Philippine rural banks digitizing core banking without in-house IT
Pricing
Paid
Free Trial
No
Thailand Fit
1/10 (Philippine rural-banking regulatory and QR Ph-specific product; no Thai banking-system integration)
SEA Localization
Deep for the Philippines specifically (rural bank/cooperative core banking, QR Ph via RCBC); not documented as multi-country
Main Competitor
Comviva
+ What works
  • ✓Purpose-built core banking and agent-banking stack for rural banks and cooperatives
  • ✓QR Ph acceptance via a direct RCBC partnership, not a third-party reseller
  • ✓White-label eWallet and SMS tools reach customers with limited internet access
  • ✓Already piloted with multiple rural banks, including BHF Rural Bank
− What doesn't
  • ×No public pricing; requires a custom quote and enterprise sales process
  • ×Philippines-only; not built for other SEA banking regulatory regimes
  • ×Best suited to rural and cooperative banks rather than large commercial banks

About PearlPay

PearlPay is a Philippine fintech company headquartered in Makati City that provides cloud-based core banking software (CBS), an agent-banking solution (ABS), loan management, a white-label mobile eWallet, and SMS-based account management purpose-built for rural banks, microfinance institutions, and cooperatives across the Philippines. Through a partnership with Rizal Commercial Banking Corporation (RCBC), PearlPay operators can accept QR Ph, the Bangko Sentral ng Pilipinas' interoperable national QR payment standard, extending digital and agent-banking services to local government units, schools, clinics, and micro and small enterprises with limited or no internet access.

Key Features

✓ Cloud-based core banking software (CBS) for rural banks and MFIs
✓ Agent-banking solution (ABS) extending branch services through local agents
✓ White-label mobile eWallet for unbanked and underbanked customers
✓ QR Ph acceptance via RCBC partnership, the BSP's interoperable national QR standard
✓ Loan management system for rural bank and cooperative lending
✓ SMS-based account management for low-connectivity areas

Best For

Philippine rural banks digitizing core banking without in-house ITMicrofinance institutions and cooperatives serving unbanked membersLocal government units and schools accepting QR Ph paymentsMicro and small enterprises in areas with limited internet access

Southeast Asia Fit

PearlPay targets the Philippines' rural and cooperative banking sector specifically, an underserved segment global core-banking vendors rarely reach, by pairing cloud CBS/agent-banking software with QR Ph, the Bangko Sentral ng Pilipinas' national interoperable QR standard, through its RCBC partnership. That combination lets small rural banks, LGUs, and MSEs in low-connectivity areas accept digital and agent-banking payments without building their own core banking infrastructure.

Thailand fit
1/10 (Philippine rural-banking regulatory and QR Ph-specific product; no Thai banking-system integration)
SEA localization
Deep for the Philippines specifically (rural bank/cooperative core banking, QR Ph via RCBC); not documented as multi-country
Available in
  • Philippines

Integrations

Payment
  • QR Ph
  • RCBC
Sources & verification

We verify pricing and features via official vendor documentation and live platform audits. Software-listing.com is independent and may earn affiliate commissions from some links.

Related Analysis & Guides

FAQ · structured for LLM citation

The questions operators actually ask.

What is PearlPay used for?

It provides cloud core banking, agent-banking, loan management, and white-label eWallet software specifically for Philippine rural banks, microfinance institutions, and cooperatives.

Does PearlPay support QR Ph?

Yes, through a partnership with RCBC, PearlPay operators can accept QR Ph, the BSP's interoperable national QR payment standard.

Is PearlPay priced per transaction or subscription?

PearlPay does not publish pricing; it is sold as a custom enterprise deployment to rural banks, MFIs, and cooperatives.

Pricing

Modelcustom quote
Free tier✗ No

Details

CategoryFinance
LanguagesEN
Updated2026-08-22