BillEase
BillEase is the Philippines' leading AI-driven BNPL and consumer finance platform, serving over one million underserved Filipinos with mobile-first installment credit across 4,000+ merchants. Founded in 2015, it operates under First Digital Finance Corporation and is expanding into regulated digital banking.
- Company typePrivate
- Founded2015
- HeadquartersMakati, Philippines
- Headcount251–500
- GTM typeB2C
- OfferingServices
What BillEase does
BillEase, operated by First Digital Finance Corporation, is the Philippines' leading Buy Now, Pay Later (BNPL) and consumer finance platform, founded in 2015 and headquartered in Makati. The company serves over one million users, predominantly underserved and underbanked Filipinos who lack access to traditional credit cards, with credit limits up to P40,000 and installment tenors from 1 to 24 months at a 3.49% monthly interest rate. Its core product is a mobile-first lending app that uses AI-driven underwriting, ingesting credit bureau, telco, employment, banking, and mobile device data to produce 70% instant approvals. The platform also offers EasyPace (declining-balance annuity loans), Pay with Grace (0% interest grace periods), Limit Boost (temporary credit line increases), Everyday Spend Credit (QRPh/NFC revolving credit launched September 2025), and Billease Deals (in-app marketplace launched October 2025).
Revenue is generated primarily through interest on BNPL installments, cash loan interest, processing fees, and credit facility management, with credit facilities sourced from Helicap, Saison, Lendable, and Security Bank. Distribution combines a self-serve mobile app with 4,000+ merchant integrations (Lazada, Samsung, Agoda, Anson's, Mandaue Foam, Philippine Airlines, Fly Fairly, AboitizPower) and over 10 payment channels including QRPh, e-wallets (GCash, Maya, ShopeePay, GrabPay), and major Philippine banks. In November 2024, BillEase acquired over 90% of Rural Bank of Sta. Maria in Ilocos Sur and is injecting P1 billion in capital to convert it into a regulated digital-centric bank, with savings and deposit products targeted for Q3 2026.
BillEase firmographics
Firmographics- Name
- BillEase
- Legal name
- First Digital Finance Corporation
- Website
- https://billease.ph
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- BillEase is the Philippines' leading AI-driven BNPL and consumer finance platform, serving over one million underserved Filipinos with mobile-first installment credit across 4,000+ merchants. Founded in 2015, it operates under First Digital Finance Corporation and is expanding into regulated digital banking.
- Ownership category
- akta.pro rank
BillEase industry classification
Industry- Product category
- Consumer Lending / Buy Now, Pay Later
- NAICS
- Sales Financing (52222), Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG)
- akta.pro secondary industries
- BNPL Card / Virtual Card Programs (FSAKACAC), Buy Now, Pay Later (BNPL) (CRAFALAD), Bill Management & Subscription Management (FSAGADAG)
Keywords
Where BillEase is headquartered
LocationHeadquarters
- HQ city
- Makati
- HQ country
- Philippines
- HQ region
- Asia
Offices2 records
Markets served
BillEase business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure, Supply Chain
Revenue model
- BNPL Interest Income: Interest charges on buy now, pay later installments. Standard rate of 3.49% monthly. 0% APR promotions available on select merchants.
- Cash Loan Interest: Interest income from personal cash loans with payback options from 30 days up to 12 months. Major driver of revenue growth.
- Credit Facility Management: Managing and growing loan portfolio through various credit facilities from Helicap, Saison, Lendable, and Security Bank.
- Processing Fees: Processing fees for annuity loans covering underwriting and loan processing costs incorporated into the loan amount.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | BNPL Installment Plans |
| Transaction based/ take rate | Monthly | Pay with Grace |
| Unit Pricing | Pay-as-you-go | Payment Convenience Fees |
| Transaction based/ take rate | Monthly | Travel Booking (Fly Fairly) |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
BillEase product offering
Product offeringCore offering
BillEase operates a mobile-first Buy Now, Pay Later platform that provides installment credit of up to PHP 40,000 to Filipino consumers without requiring a credit card. Customers shop at 4,000+ online and in-store merchant partners (Lazada, Samsung, Agoda, Anson's) and repay over 1 to 24 months at a 3.49% monthly interest rate, with AI-driven underwriting producing instant approvals for 70% of applicants. The platform also offers ancillary cash loans, in-app shopping via Billease Deals, and is expanding into digital banking through its acquisition of Rural Bank of Sta. Maria.
Product overview
Billease is the Philippines' leading Buy Now, Pay Later (BNPL) platform operated by First Digital Finance Corporation. The product portfolio centers on the core Billease BNPL service, which enables consumers to shop at 4,000+ merchant partners and pay in installments with credit limits up to ₱40,000. The platform has expanded beyond traditional BNPL to include in-app shopping via Billease Deals, the EasyPace annuity loan product with declining balance interest calculations, and Everyday Spend Credit for QRPh/NFC daily transactions. In November 2025, Billease entered digital banking through acquisition of Rural Bank of Sta. Maria (RBSM), with plans to offer savings and deposit products by Q3 2026. The ecosystem also includes Pay with Grace (0% grace period payments), Limit Boost (temporary credit line increases), and Auto-debit via Alipay+ partnership. Key features include AI-driven underwriting for automated approvals, integration with major e-wallets (GCash, Maya), QR Ph payments, online banking channels, and extensive merchant partnerships across e-commerce, retail, travel, and utilities sectors.
Differentiator
Problem solved
Functional benefit
Brands
- Billease Deals: In-app shopping feature that allows customers to browse and purchase products with flexible payment options within the Billease app.
- Limit Boost
- Pay with Grace
- EasyPace
- Billease Auto-debit
Products and services
- Billease BNPL Platform Core mobile BNPL product that lets Filipino consumers shop at online and in-store merchants and pay in installments from 1 to 24 months, with AI-driven instant approvals and credit lines up to PHP 40,000.
- EasyPace Annuity Loan Fixed-installment consumer loan with declining-balance interest calculation and equal monthly payments over terms up to 24 months, with optional early repayment without penalties.
- Pay with Grace Promotional installment option providing a 3 or 6-month grace period with 0% interest, after which the standard 3.49% monthly rate applies over a total repayment window of 9 to 12 months.
- Everyday Spend Credit Credit feature enabling customers to use their Billease credit line for everyday purchases through QRPh scan and tap-to-pay NFC transactions.
- Billease Deals In-app shopping feature that lets users browse and purchase products from merchant partners with flexible Billease financing, including bundled device protection plans via partners such as ProTech.
- Auto-Debit Repayment (Alipay+ Integration) Repayment automation allowing Alipay+ partner merchants to debit installments directly from a user's Billease credit limit after a one-time account-linking authorization.
- Digital Banking Services (via Rural Bank of Sta. Maria) Regulated digital banking offering delivered through the majority-owned Rural Bank of Sta. Maria, intended to provide savings, deposit, and everyday transaction products to Billease customers across the Philippines.
Quantifiable outcome
- 70% of applications get approved on the spot
- +3 more outcomes
Companies that use BillEase
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles4 records
BillEase technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
AI capability5 records
Feature5 records
BillEase partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered major, minor and core.
- AboitizPower (MobileAP)majorIntegrated Billease as payment option on MobileAP platform for five major distribution utilities (Visayan Electric, Davao Light, Cotabato Light, Subic EnerZone, Lima EnerZone). Service offers 0% interest until next payday or installments up to 6 months.
- ProTech Devices PhilippinesminorBillease Deals partnership offering laptops, tablets, and audio devices with bundled 12-month Device Care plans including protection and extended warranties.
- PayRexmajorAPI integration enabling thousands of Filipino merchants to offer BNPL services through Billease via First Digital Finance Corporation.
- PayRexmajorPayment gateway partnership enabling merchants to offer installment payments via single API integration. Aims to increase sales and average order value by providing flexible credit options.
- Fly FairlymajorTravel booking partnership allowing customers to book flights with 650+ airlines and pay via Billease installments up to 24 months or 0% interest within 30 days.
- Rural Bank of Sta. Maria (RBSM)coreBillease acquired over 90% of Rural Bank of Sta. Maria in November 2024 to expand into digital banking. Infused P500 million capital with P1 billion committed by year-end 2026. The bank will be transformed into a digital-centric entity with plans to launch banking services by Q3 2026 including savings and deposit products.
Scale indicators12 records
Recent moves7 records
Expansion highlights6 records
BillEase competitors and assessment
Company assessmentDirect peers
- Atome: Atome is a leading BNPL platform operating in the Philippines and across Southeast Asia, offering interest-free installment payments at online and offline merchants. It directly competes with BillEase for merchant integrations and consumer mindshare in the Philippine BNPL market.
- Akulaku: Akulaku is a Southeast Asia BNPL and digital finance platform that extends consumer credit and installment plans through a mobile app. It is a direct competitor to BillEase in the Philippines, particularly for underbanked consumers seeking cash loans and installment purchases.
- Home Credit Philippines: Home Credit Philippines is a major consumer finance provider offering installment loans for electronics, appliances, and other retail purchases, plus cash loans. It is a direct competitor to BillEase in the Philippine point-of-sale financing and consumer lending space, with a longer operating history and larger retail footprint.
- Cashalo: Cashalo is a Philippine online lending platform offering cash loans and BNPL through a mobile app, backed by Oriente Express. It directly competes with BillEase's EasyPace cash loan and Everyday Spend Credit products among underbanked Filipino consumers.
- Shopee SPayLater: SPayLater is Shopee's BNPL product embedded in the largest Philippine e-commerce marketplace. It directly competes with BillEase on online shopping installments and benefits from Shopee's captive marketplace traffic.
Emerging players
- Tendo (TendoPay): TendoPay is a Philippine BNPL startup offering interest-free installment plans for online shopping. As an emerging player, it overlaps with BillEase on merchant checkout financing but serves a narrower segment of the market.
- Kredito: Kredito is a Philippine fintech offering consumer loans and BNPL for online and offline merchants. As an emerging player, it competes with BillEase in the underbanked consumer lending segment but with a smaller scale and footprint.
- Plentina: Plentina is a Philippine BNPL and credit platform using AI-driven underwriting to serve unbanked consumers. It competes with BillEase on installment lending for retail purchases but operates at a smaller scale and narrower merchant base.
Broad incumbents
- GCash (Mynt): GCash is the Philippines' dominant e-wallet, offering embedded credit products including GCredit and pay-later features. As a broad incumbent, it competes with BillEase on everyday digital payments and small-ticket consumer credit, leveraging a far larger user base.
- Maya Bank: Maya (formerly PayMaya) is a Philippine digital bank and e-wallet offering savings, payments, and embedded credit products. It competes with BillEase's emerging digital banking proposition and Everyday Spend Credit use case.
Market position
Weaknesses5 records
Competitive moat5 records
Key risks9 records
Key highlights7 records
Customer concentration
BillEase social profiles
Digital presenceBillEase compliance and trust
Trust signalCompliance2 records
BillEase financial estimates
Financial estimateRevenue estimate
Valuation estimate
BillEase leadership team
Management profileNumber of profiles
Profiles1 record
BillEase subsidiaries and ownership
Company hierarchySubsidiaries2 records
BillEase funding detail
Funding detailFunding overview
Funding rounds7 records
Investors11 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BillEase M&A and investment
M&A and investmentM&A1 record
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BillEase
What does BillEase do?
BillEase operates a mobile-first Buy Now, Pay Later platform that provides installment credit of up to PHP 40,000 to Filipino consumers without requiring a credit card. Customers shop at 4,000+ online and in-store merchant partners (Lazada, Samsung, Agoda, Anson's) and repay over 1 to 24 months at a 3.49% monthly interest rate, with AI-driven underwriting producing instant approvals for 70% of applicants. The platform also offers ancillary cash loans, in-app shopping via Billease Deals, and is expanding into digital banking through its acquisition of Rural Bank of Sta. Maria.
Is BillEase a public or private company?
BillEase is a private company. It is classified as venture growth investor backed and is currently operating.
When was BillEase founded?
BillEase was founded in 2015. It employs 251 to 500 people.
Where is BillEase based?
BillEase is headquartered in Makati, Philippines, in the Asia region.
How does BillEase make money?
Four revenue lines are on record. BNPL Interest Income is the primary driver. The others are cash Loan Interest, credit Facility Management and processing Fees.
Who are BillEase's main competitors?
Direct peers on record are Atome, Akulaku, Home Credit Philippines, Cashalo and Shopee SPayLater. Emerging players are Tendo (TendoPay), Kredito and Plentina. Broad incumbents are GCash (Mynt) and Maya Bank.
Does BillEase have an API?
No public API is recorded for BillEase.
What industry is BillEase in?
BillEase's product category is Consumer Lending / Buy Now, Pay Later. Its primary akta.pro industry code is FSAGAIAG, BNPL Consumer Apps & Wallets (Discovery, Management), with a secondary code of FSAKACAC, BNPL Card / Virtual Card Programs. Its NAICS code is 52222 and its SIC code is 6141.