Fintech-as-a-Service
Embed payments into every product you build.
Automate hauler payouts, port fee settlements, and freight collections — so your cargo keeps moving.
BSP-LicensedY Combinator W21P23B+ in payments processed
Fintech-as-a-Service
Automate hauler payouts, port fee settlements, and freight collections — so your cargo keeps moving.
You're managing hundreds of independent truckers, port agents, customs brokers, and regional freight partners. Every completed delivery triggers a payment. Every customs clearance triggers a disbursement. Right now, someone is manually processing each one — chasing bank transfers, reconciling receipts, and hoping nothing falls through the cracks. At 35 years of scale, that's no longer sustainable.
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 logistics company, not a payment 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 leg of your logistics operation — from hauler payouts to freight collections — can be automated with embedded payments. Here's what that looks like.
Nonpareil operates a large network of independent truckers, warehouse staff, and port agents — all expecting timely, accurate payment. NextAPI lets you trigger bulk disbursements the moment a delivery is confirmed or a shift is completed. One API call reaches every bank and e-wallet in the Philippines, with real-time confirmation per recipient. No more manual bank transfers. No more payment backlogs causing your best haulers to take jobs elsewhere.
As Nonpareil expands through the ASEAN corridor, the number of sub-contracted partners — regional haulers, port handlers, last-mile agents — grows with it. NextAPI enables event-triggered, real-time payouts to each participant the moment their leg of the shipment is completed and confirmed in your system. Faster payouts mean stronger partner relationships and priority access to capacity during peak seasons.
International and domestic clients, like telcos, pharma companies, and PEZA-accredited exporters, need a seamless way to settle freight invoices. NextAPI embeds QR Ph and virtual collection accounts directly into your billing workflow, so clients can pay instantly via any bank or e-wallet. Every payment auto-reconciles against the invoice, eliminating the daily manual matching your finance team currently does against BPI and BDO statements.
Cargo sitting idle at the Port of Manila due to payment processing delays is a direct hit to your commitments. NextAPI integrates with your ERP or customs management system to automate the disbursement of port fees, duties, and third-party handling charges — triggered automatically when clearance milestones are reached. Payments go out via InstaPay in real time or PESONet in batch, with full audit trails for PEZA compliance reporting.
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
Why logistics operators embed NextAPI into their financial workflows
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 physical distribution network with 3,700+ endpoints across the Philippines integrated NextAPI to automate both sides of their cash flow — collecting from walk-up customers via QR Ph and disbursing to independent operators on settlement. Before NextAPI, reconciling collections across hundreds of machines required a dedicated back-office team. After integration, the entire cycle, consisting of collection, split, and operator payout, runs without manual intervention. Volume has since grown to over ₱500M per month.
Traction
Monthly GTV (Apr 2026)
Cumulative GTV
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.
Nonpareil has built 35 years of operational trust. NextAPI gives your financial backend the same level of reliability — automated hauler payouts, real-time freight collections, and full audit trails for PEZA compliance. Let's talk about what an integration looks like for your operations.