Aqwire
Aqwire is a cross-border payments platform enabling Overseas Filipino Workers and international buyers to pay Philippine real estate, utilities, and bills from abroad, settling 20+ currencies to PHP bank accounts for 100+ enterprise developers.
- Company typePrivate
- Founded2017
- HeadquartersSan Francisco, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Aqwire does
Aqwire is a cross-border payment platform primarily serving the Philippine real estate market, enabling global payers — particularly Overseas Filipino Workers (OFWs) and international property buyers — to pay Philippine bills, property, and utilities from anywhere in the world. The platform collects payments in 20+ currencies (USD, EUR, AED, SAR, GBP, JPY, PHP) and settles to Philippine Peso bank accounts within 5 banking days, addressing time-zone, fee, and reconciliation friction inherent in cross-border payments for both OFWs and Philippine developers. The company serves over 100,000 payers and works with 100+ enterprise partners including all major Philippine real estate developers — Ayala Land, Rockwell Land, Ortigas Land, Filinvest, Megaworld, and brands under SMDC/Vista Land (Camella, Crown Asia, Brittany, Lessandra, Empire East, Alveo, Avida, Amaia, Suntrust, Bellavita). Customer diversification is emerging into healthcare (724Care), legal (NDV Law), and retail via the new Payment Terminal Service.
The technology stack comprises the Aqwire Enterprise platform with a real-time dashboard (dashboard.aqwire.io) for transaction tracking, payment link creation, daily analytics, settlement reporting, and user administration; an Access API for developers (developers.aqwire.io) with webhook integration; Aqwire Enterprise Portals (pay.aqwire.io) for one-time and auto-debit enrollment; Aqwire Personal (app.aqwire.io) for individual bill management; physical Payment Terminal Service (PTS) devices; and an upcoming iOS/Android mobile app. Notable technical differentiators include being the first Philippine processor of Google Pay and Apple Pay for cross-border payments following Bangko Sentral ng Pilipinas clearance in 2025, SEPA integration for Euro transfers across 36 European countries (anchored by the Philippines' first SEPA real estate transaction with Filinvest Land), tokenization for digital wallet security, and regulatory compliance including PCI-DSS, SOC 2 framework, BSP, SEC, AMLC, NPC, and US Treasury registration.
Aqwire generates revenue through transaction processing fees on cross-border and local enterprise-side payments, quote-based enterprise dashboard subscriptions, and API access fees; individual payers transact on a freemium/no-fee basis with revenue concentrated on enterprise transaction volume. The legal structure consists of parent Aqwire Pte. Ltd. (Singapore), primary operating entity OmniSent Corp. (Delaware), and Philippine subsidiary Qwikwire Billing Systems, Inc. Founded in 2017 with offices in Singapore, Menlo Park, and Makati City, the company is venture-backed by Cento.vc, Spiral Ventures, Gentree, Vulpes Ventures, Betatron, Ideaspace Ventures, and Manila Angel Investors Network. CEO Victor Lee leads the firm, which operates an enterprise field sales motion augmented by channel partnerships (notably PAREB's 5,000+ agent network), inside sales/self-serve portals, and a developer API.
Aqwire firmographics
Firmographics- Name
- Aqwire
- Legal name
- OmniSent Corp.
- Website
- https://aqwire.co
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Aqwire is a cross-border payments platform enabling Overseas Filipino Workers and international buyers to pay Philippine real estate, utilities, and bills from abroad, settling 20+ currencies to PHP bank accounts for 100+ enterprise developers.
- Ownership category
- akta.pro rank
Aqwire industry classification
Industry- Product category
- Cross-Border Payment Platform
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Payment Gateways & Orchestration (BPAMAFAA)
- akta.pro secondary industries
- Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where Aqwire is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Aqwire business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure, Others
Revenue model
- Transaction Processing Fees: Aqwire charges transaction fees for processing cross-border and local payments from billers' customers. Settlement schedule is within 5 banking days for both local and international transactions.
- Enterprise Dashboard Subscription: Enterprises pay for access to the enterprise dashboard which provides real-time payment tracking, analytics, settlement management, and user administration features.
- API Access: Developers and enterprises can integrate using Access API for flexible payment solutions with developer-friendly API documentation and webhook support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise - Custom pricing based on volume and features required |
| Freemium | Pay-as-you-go | Payer - Free for individual payers |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
Aqwire product offering
Product offeringCore offering
Aqwire provides a cross-border and local payment platform primarily serving Philippine real estate developers and enterprises, enabling them to collect payments from overseas buyers in multiple currencies and settle into Philippine Peso bank accounts. Enterprise clients use the Aqwire Enterprise Dashboard and Access API to track transactions, reconcile payments, create payment links, and manage auto-debit enrollments, while individual payers use Aqwire Personal to manage and pay bills in the Philippines.
Product overview
Aqwire is a fintech platform providing cross-border and local payment solutions for the Philippine real estate market and beyond. The product portfolio consists of two main platforms: Aqwire Enterprise, which helps enterprises (particularly real estate developers) with billing, receiving, and managing cross-border payments through the Enterprise Dashboard and Access API, and Aqwire Personal, which enables individual payers to manage and track bills in the Philippines. Aqwire Enterprise Portals provide instant payment links and auto-debit enrollment for end customers, while the upcoming mobile app extends these capabilities to mobile devices. The platform supports over 20 currencies and facilitates payments from customers worldwide to Philippine recipients.
Differentiator
Problem solved
Functional benefit
Brands
- Aqwire Personal: All-in-one tool for managing, paying and tracking bills in the Philippines, including utilities and rent payments.
- Aqwire Portals
- AQWARTA
- Aqwire Enterprise Dashboard
Products and services
- Aqwire Enterprise A comprehensive billing and payment management platform that helps enterprises — particularly Philippine real estate developers — collect, reconcile, and manage cross-border and local payments from customers anywhere in the world, with multi-currency support and PHP settlement.
- Aqwire Enterprise Dashboard A web-based dashboard for enterprise clients to receive transactions, track payments in real time, create one-time payment links, view payment history, track settlements, manage auto-debit enrollments, generate daily analytics reports, and manage user permissions and API access via API keys.
- Aqwire Access API A developer-facing API enabling application integration with Aqwire's payment platform. Developers can create payment transactions and have customers complete payments on Aqwire's hosted page, with webhook connectivity via API keys for real-time payment event notifications.
- Aqwire Personal An all-in-one bill management and payment tool for individual users to manage, pay, and track bills in the Philippines, including utilities, rent, property payments, and other recurring payments. Features biller storage, payment method management, and bill tracking with due date monitoring.
- Aqwire Enterprise Portals Web-based payment portals enabling instant one-time payments and auto-debit enrollment for seamless recurring payment experiences for end customers of enterprise billers.
- Aqwire Payment Terminal Service (PTS) A physical payment terminal service enabling instant on-site property transactions. Each terminal accepts local and international cards, QR Ph, GCash, Maya, GrabPay, and participating banks, allowing real-time digital payment completion for property reservations and merchant purchases.
Quantifiable outcome
- 100,000+ unique payers served
- +4 more outcomes
Companies that use Aqwire
Customer profileNamed customers28 records
Segments7 records
Ideal customer profiles3 records
Aqwire technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration16 records
AI capability1 record
Feature7 records
Aqwire partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- FigTree PropertiescoreLaunch of Payment Terminal Service (PTS) for instant on-site property transactions. FigTree deploys PTS devices across developments in Tagaytay, Batangas, and Tarlac. Terminals accept local/international cards and QR Ph payments.
- Filinvest LandcorePartnership to complete the Philippines' first real estate transaction using SEPA (Single Euro Payments Area), enabling Euro transfers across 36 European countries through 140,000+ bank branches. Enables European buyers and OFWs to make seamless property investments.
- PAREB-Pasay Makati Realty BoardcorePartnership at PAREB's 7th Business Membership Meeting representing 5,000+ real estate practitioners across 68 member boards. Launched AQWARTA agent rewards program with ₱100,000 grand prize.
- PropertyGuruminorSingapore-based property technology company listed as partner on homepage. Nature of partnership not detailed.
- Plug and Play Philippines (iHub)minorInnovation platform and accelerator listed as partner. Nature of partnership not detailed.
- National Development Council (NDC)minorPhilippine government development council listed as partner. Nature of partnership not detailed.
Scale indicators8 records
Recent moves3 records
Expansion highlights6 records
Aqwire competitors and assessment
Company assessmentDirect peers
- PayMongo: Philippine payment gateway acquired by Sumitomo, enabling businesses to accept online payments via cards and e-wallets. Directly competes with Aqwire's enterprise payment collection use case in the Philippines.
- Xendit: Indonesia/SEA-focused payment gateway serving enterprises with multi-currency acceptance, dashboards, and developer APIs. Closest comparable to Aqwire on business model and developer-first product surface.
- DragonPay: Philippine online payment platform offering bills payment, e-commerce checkout, and bank-channel aggregations. Directly comparable in offering cross-border payer-to-biller flows within the Philippines.
- 2C2P: Asia-Pacific payment gateway acquired by Ant Group, providing multi-currency acceptance and enterprise payment orchestration across SEA. Highly comparable to Aqwire's platform-and-rail strategy.
- Remitly: Cross-border remittance platform purpose-built for OFWs sending money to the Philippines. Directly overlaps with Aqwire's OFW-to-biller (including property) flow.
- Wise (TransferWise): Global cross-border multi-currency account and transfer platform with strong SEPA presence. Comparable on multi-currency, SEPA-enabled business collection corridors Aqwire is now enabling.
Broad incumbents
- Maya (PayMaya): Philippine digital bank and e-wallet offering payments, cards, and business acceptance. Overlaps with Aqwire on payment acceptance in the Philippines but operates a broader consumer wallet experience.
- GCash: Mass-market Philippine e-wallet integrated into bill payment and merchant acceptance. Overlaps as a payment rail Aqwire aggregates (QR Ph connecting to GCash).
- Stripe: Global payment platform offering enterprise cross-border payment processing and developer APIs. Comparable infrastructure competitor at the orchestration and dashboard layer.
Emerging players
- Airwallex: Cross-border financial platform for businesses with multi-currency accounts and payment acceptance. Comparable to Aqwire's enterprise cross-border collection, though anchored in different verticals (e-commerce, SaaS).
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Aqwire social profiles
Digital presenceAqwire compliance and trust
Trust signalCompliance2 records
Aqwire financial estimates
Financial estimateRevenue estimate
Valuation estimate
Aqwire leadership team
Management profileNumber of profiles
Profiles1 record
Aqwire subsidiaries and ownership
Company hierarchySubsidiaries1 record
Aqwire funding detail
Funding detailFunding overview
Funding rounds2 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Aqwire M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Aqwire
What does Aqwire do?
Aqwire provides a cross-border and local payment platform primarily serving Philippine real estate developers and enterprises, enabling them to collect payments from overseas buyers in multiple currencies and settle into Philippine Peso bank accounts. Enterprise clients use the Aqwire Enterprise Dashboard and Access API to track transactions, reconcile payments, create payment links, and manage auto-debit enrollments, while individual payers use Aqwire Personal to manage and pay bills in the Philippines.
Is Aqwire a public or private company?
Aqwire is a private company. It is classified as venture growth investor backed and is currently operating.
When was Aqwire founded?
Aqwire was founded in 2017. It employs 11 to 50 people.
Where is Aqwire based?
Aqwire is headquartered in San Francisco, United States, in the North America region.
How does Aqwire make money?
Three revenue lines are on record. Transaction Processing Fees are the primary driver. The others are enterprise Dashboard Subscription and API Access.
Who are Aqwire's main competitors?
Direct peers on record are PayMongo, Xendit, DragonPay, 2C2P, Remitly and Wise (TransferWise). Broad incumbents are Maya (PayMaya), GCash and Stripe. Airwallex is listed as an emerging player.
Does Aqwire have an API?
Yes. Aqwire offers an Access API for flexible payment solutions, enabling developers to integrate their applications with Aqwire's payment platform. The API allows developers to create payment transactions and have customers complete payments on Aqwire's hosted page. The developer portal is available at developers.aqwire.io. The Terms of Service also reference webhook capabilities using API keys specifically generated for enterprise dashboard users, enabling connection to webhooks for real-time payment event notifications. Developer documentation is at developers.aqwire.io.
What industry is Aqwire in?
Aqwire's product category is Cross-Border Payment Platform. Its primary akta.pro industry code is BPAMAFAA, Payment Gateways & Orchestration, with a secondary code of FSAGAAAF, Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P). Its NAICS code is 518 and its SIC code is 6199.