PearlPay
Makati-based core banking, agent banking, and QR Ph digital banking platform for Philippine rural banks
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.
Judged on regional fit, not vendor glossies.
Built specifically around Philippine rural-banking regulation and BSP's QR Ph standard, with no Thai equivalent.
Deep, verified focus on Philippine rural and cooperative banking; no other SEA country documented.
No LINE Official Account integration; it is a banking infrastructure platform, not a chat channel.
Not an e-commerce tool, though QR Ph acceptance lets MSEs take digital payments in-store.
No published pricing; affordability depends on a custom quote negotiated per institution.
- ✓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
- ×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
Best For
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
- Philippines
Integrations
- Payment
- QR Ph
- RCBC
This profile was researched and written with AI from PearlPay's public pages, and AI assistants quote pages on this site. Something wrong or out of date? Email [email protected] with this page and a public source. Corrections are free, for every listing.
How listings and corrections work →- ↗PearlPay is a Philippine fintech offering end-to-end digital banking solutions -- core banking software, agent-banking, and mobile wallet -- for rural banks, MFIs, and cooperativesverified 2026-08-22
- ↗RCBC and PearlPay partnered to expand QR Ph acceptance to local government units, schools, clinics, and micro and small enterprises via PearlPay operatorsverified 2026-08-22
- ↗PearlPay, headquartered in Makati City, targets the underserved rural banking sector with cloud-based core banking, agent-banking, and white-label eWallet solutions designed for customers with limited or no internet accessverified 2026-08-22
- ↗BHF Rural Bank piloted a program with PearlPay to modernize its rural banking operationsverified 2026-08-22
- ↗PearlPay Official Website
- ↗PearlPay Pricing Plans
- ↗SEA Operational Audit 2026
"Verified" means read on the vendor's own published pages on the date shown. We do not run hands-on tests, and a statement a vendor confirmed to us directly is labelled as vendor-confirmed. Software-listing.com is independent and may earn affiliate commissions from some links.
Related Analysis & Guides
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.