Built for the Philippines. Ready for the world.
HyLoq AI launches in the Philippines with PayMongo — GCash, Maya, QR Ph, online banking and cards. Stripe is reserved for international expansion. A modern, mobile-friendly subscription experience optimized for Philippine users.
Payment Gateways
PayMongo is the primary gateway for the Philippine launch. Stripe is architected for future international expansion.
PayMongo
Primary gatewayPhilippine payments aggregator
MVP gateway powering local subscriptions — wallets, cards, bank transfers and QR Ph.
Stripe
Future gatewayInternational payments
Reserved for international cards, overseas subscribers and multi-country expansion.
MVP Payment Methods
MVPLocal methods Philippine users already trust — all accepted via PayMongo at launch.
GCash
E-wallet
Maya
E-wallet
Online Banking
InstaPay / PESONet
QR Ph
National QR standard
Debit Cards
Local cards
Credit Cards
Visa / Mastercard
Subscription Plans
Role-based plans — value first, payment second.
| Plan | Audience | Intelligence |
|---|---|---|
| Household Subscriber | Families managing resource and food budgets | Actionable intelligence |
| MSME Subscriber | Small businesses optimizing procurement | Actionable intelligence |
| Supplier Subscriber | Suppliers and cooperatives reaching demand | Actionable intelligence |
| Enterprise Subscriber | Multi-site operators and large buyers | Operational intelligence |
| Government Subscriber | Agencies and LGUs coordinating resources | Operational intelligence |
Payment Experience
A complete self-service billing lifecycle — simple and mobile-friendly.
Subscribe
Start a plan with a local payment method in seconds.
Upgrade
Move to a higher tier with prorated billing.
Downgrade
Step down a tier at the next renewal.
Cancel
Stop renewals while keeping access until period end.
Renew
Automatic renewal with retry on failed payments.
View Billing History
See every charge, status and plan change.
Download Receipts
Export receipts and invoices for any transaction.
Subscription Management
Everything a subscriber sees about their plan in one place.
Current Plan
Active tier and included intelligence.
Billing Status
Active, past due, canceling or canceled.
Renewal Date
Next billing date or access expiry.
Payment Method
The GCash, Maya, card or bank used.
Transaction History
Full ledger of charges and refunds.
PayMongo Architecture
MVPPrimary gateway integration for the Philippine MVP.
- GCash — E-wallet payment intents and webhooks.
- Maya — Maya wallet and card-on-file flows.
- Cards — Local debit and credit card acceptance.
- Bank Transfers — InstaPay / PESONet direct transfers.
- QR Ph — National QR Ph standard for scan-to-pay.
Stripe Architecture
Coming SoonFuture gateway for international scale.
- International Cards — Global card acceptance and 3DS.
- International Subscribers — Overseas Filipino and global users.
- Enterprise Billing — Invoicing, POs and seat-based billing.
- Multi-country Expansion — Per-country pricing and tax handling.
Financial Resilience Integration
Subscribers see the value their plan generates — not just what it costs.
Subscription Savings Generated
Estimated peso savings from intelligence-driven decisions.
Pulse Recommendations Used
Count of acted-on recommendations from the Pulse Engine.
Estimated Value Received
Total estimated value versus subscription cost.
Admin Panel
Coming SoonSubscription and revenue analytics for the operations team.
Subscriber Counts
Active subscribers per plan tier.
Revenue Dashboard
MRR, ARR and revenue by gateway.
Subscription Trends
Growth, upgrades, downgrades and churn.
Payment Success Rate
Authorization and capture success rates.
Failed Payments
Failed charges and dunning recovery.
Future Financial Services Layer
Coming SoonA future intelligence layer. HyLoq AI does not process remittances or move money — it provides decision-support intelligence powered by NeighborGrid Network and the Pulse Intelligence Engine.
Remittance Intelligence
Coming SoonDecision-support for sending and receiving money — never processing it. Compare providers, costs and timing.
- Remittance Provider Directory
- Transfer Cost Comparison
- Remittance Insights
- Pulse Recommendations
Exchange Rate Intelligence
Coming SoonTrack and compare exchange rates across providers and corridors to time conversions intelligently.
- Exchange Rate Comparison
- Corridor trend tracking
- Rate alerts & watchlists
- Pulse Recommendations
OFW Financial Planning
Coming SoonPlanning intelligence for Overseas Filipino Workers and their families — budgeting around remittance flows.
- Remittance budgeting models
- Cost-of-living comparison
- Savings & resilience goals
- Pulse Recommendations
Financial Resilience Intelligence
Coming SoonConnects financial decisions to the resilience layer — preparedness, volatility exposure and savings.
- Resilience-linked budgeting
- Cost-volatility exposure
- Preparedness scoring
- Pulse Recommendations
Remittance Provider Directory
A curated directory of remittance providers, corridors and supported channels — informational only.
Exchange Rate Comparison
Side-by-side exchange rates across providers to identify the best conversion value.
Transfer Cost Comparison
Compare total transfer costs — fees plus FX margin — across providers for any corridor and amount.
Remittance Insights
Trends, timing and corridor intelligence to help families decide when and how to send money.
Pulse Recommendations
Personalized, rule-based guidance from the Pulse Intelligence Engine across all financial services.
One platform, local-first payments
PayMongo unlocks actionable intelligence for Philippine subscribers today. Stripe and the Financial Services layer extend HyLoq AI to international users and richer financial intelligence — all powered by the Pulse Intelligence Engine.