POSIBLE

What POSIBLE does

POSIBLE (legal entity: Action.Able, Inc.) is a Philippine fintech company that operates a B2B2C network enabling community-based retail stores — primarily sari-sari stores and micro/small retailers — to deliver digital financial services to end consumers. The platform aggregates bills payment (powered by BAYAD), money remittance (Cebuana Lhuillier Pera Padala, Western Union, Smart Padala, Maya Center), e-money cash-in/out (GCash, Maya, Coins.ph, JuanCash, Lazada Wallet, GetGo Pay, PisoPay), prepaid loading, RFID reloading (EasyTrip, Autosweep, Beep), prepaid utilities, insurance, e-PINs, and gaming PINs into a single retailer-facing interface accessible via mobile POS device or mobile app. Each partner retailer operates against a funded digital wallet and processes transactions in real time.

The underlying technology is a mobile POS and app platform with a secured, encrypted reference code scheme (notably deployed for CEB GetGo Prepaid card loading via UnionBank) and real-time transaction processing across more than 15 biller/integrator partners. The platform supports a retailer-facing webtool, a Tagalog-language e-Module for training, and an Enterprise Tools add-on offering customization, app integration, and inventory management for larger merchants.

POSIBLE earns revenue primarily through transaction fees on the digital financial services routed through its partner retailers, plus professional-services fees from larger biller merchants for integration and customization. It operates an asset-light, channel-partner GTM: recruiting retailers through trade shows (Stores Asia Expo 2017, Philippine Investment Expo and Conference), regional caravans, and digital content marketing. Founded circa 2017 and headquartered in Makati City, the company reports a headcount of 51–100 and an accredited retailer base of 5,000–6,000+ across Metro Manila, Rizal, Cavite, Batangas, Laguna, Quezon, Davao, Cebu, and Bicol — explicitly targeting the 37% of Philippine towns and cities lacking bank or payment-center access.

Name

POSIBLE

Legal name

Action.Able, Inc.

Website

https://posible.net

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

51–100 employees

Short description

POSIBLE is a Philippine B2B2C fintech that turns sari-sari and community stores into digital financial-service hubs, offering bills payment, remittance, e-money cash-in/out, and prepaid loading to underbanked Filipino consumers through 5,000–6,000+ accredited partner retailers nationwide.

Ownership category

akta.pro rank

Product category

Digital Financial Services Platform

SIC

Finance Services (6199)

akta.pro primary industry

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

akta.pro secondary industries

Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD), Marketplace / Multi-Lender POS Financing Aggregators (FSAGAIAJ)

Keywords

• Digital financial services
• Bills payment platform
• Mobile point-of-sale
• Community retail network
• Money remittance services

Headquarters

HQ city

Bel-air Four

HQ country

Philippines

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Transaction Fees: POSIBLE earns transaction fees from processing various digital financial services including bills payment, money remittance, and prepaid loading through its network of Partner Retailers.
2. Professional Services: Enterprise tools and customization services offered to larger merchants and billers for app integration, inventory management, and system upgrades.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

POSIBLE operates an all-in-one B2B2C digital financial services platform that consolidates bills payment, money remittance, e-money cash-in/out, prepaid loading, RFID reloading, insurance, E-PINs, and gaming PINs into a single network accessible through community-based partner retail stores. Each Partner Retailer connects to the network via a mobile POS device or mobile app with a funded retailer wallet, enabling real-time acceptance of payments, payouts, and digital product dispensing for end consumers in underserved Philippine communities.

Product overview

POSIBLE is a unified B2b2C all-in-one negosyo platform that consolidates multiple digital financial services into a single network accessible through community-based partner retail stores. The platform operates through the core POSIBLE Platform connected to partner retailer mobile POS devices and apps with funded wallets. The product portfolio includes E-Money Cash-In/Out services (GCash, Maya, Coins.ph, etc.), Bills Payment powered by BAYAD, Money Remittance (GCash Padala, Cebuana Lhuillier, Western Union, Maya Center), Prepaid Loading, RFID Reloading (EasyTrip, Autosweep), Prepaid Utilities, Insurance, E-PINs, and Gaming PINs. Enterprise Tools provide add-on capabilities for inventory management, purchasing, and order tracking. The platform supports over 6,000 accredited retailers across the Philippines.

Differentiator

Problem solved

Functional benefit

Products and services

• POSIBLE Platform An all-in-one B2b2C negosyo platform enabling community-based retailers to offer digital financial transactions including bills payment, money remittance, e-money services, and prepaid loading through mobile POS devices or apps.
• E-Money Cash-In/Out Cash-in and cash-out services through e-money partners including GCash, Maya, GetGo Pay, Coins.ph, JuanCash, and Lazada Wallet, enabling customers to fund digital wallets and withdraw cash at partner retail outlets.
• Bills Payment Bill payment service powered by BAYAD, allowing customers to pay utility bills, government payments, and other recurring bills at partner retail locations.
• Money Remittance Send and receive money services through remittance partners including GCash Padala, Cebuana Lhuillier, Western Union, and Maya Center, enabling domestic and international money transfers.
• Prepaid Loading Prepaid mobile load credits available for purchase anytime, anywhere at POSIBLE partner retail outlets.
• RFID Reloading RFID reloading service for EasyTrip and Autosweep, supporting cashless payments on Philippine expressways.
• Prepaid Utilities Easy loading service to manage customer electricity spending through prepaid utilities.
• Insurance Insurance products available for purchase and activation at POSIBLE partner retail outlets.
• E-PINs Digital PINs for prepaid insurance, medical consultation, cable, and online streaming platforms available for purchase at partner retail outlets.
• Gaming PINs Gaming PINs available for sale within partner retail shops, enabling customers to purchase credits for online gaming platforms.
• Enterprise Tools Business enhancement tools offering customization, app integration, and system upgrades to help retailers and billers improve inventory management, purchasing, and order tracking capabilities.
• Partner Retailer Wallet Funded digital wallet system that connects Partner Retailers to the POSIBLE network, enabling real-time acceptance of payments, payouts, and digital product transactions.

Quantifiable outcome

• 37% of Philippine towns and cities do not have access to banks or payment centers, presenting a significant market opportunity for financial inclusion

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

Feature2 records

Partnerships

14 partnerships are on record, tiered core and minor.

• UnionBankcoreTechnology or Integration · 12 February 2020Partnership enabling POSIBLE's 6,000+ accredited retailers to load CEB GetGo Prepaid cards through a secured and encrypted reference code scheme, allowing real-time crediting to GetGo cards.
• GCashcoreTechnology or IntegrationE-money partner for cash-in and cash-out services, as well as GCash QR payment functionality on the POSIBLE platform.
• MayacoreTechnology or IntegrationE-money partner enabling Maya cash-in and cash-out transactions at POSIBLE retail outlets.
• Coins.phcoreTechnology or IntegrationE-money partner for digital wallet services including cash-in functionality.
• GetGo PaycoreTechnology or IntegrationE-money partner for CEB GetGo Prepaid card cash-in transactions through POSIBLE outlets.
• Smart PadalacoreTechnology or IntegrationMoney remittance partner providing send money and pay-out transaction services.
• PayMayacoreTechnology or IntegrationE-money partner for digital wallet services including cash-in functionality.
• Cebuana Lhuillier Pera Padala (CLPP)coreTechnology or IntegrationMoney remittance partner joined in 2021, improving POSIBLE's remittance lineup with enhanced reliability. Participating outlets with approved documentary requirements can process CLPP send money and pay-out transactions.
• Western UnioncoreTechnology or IntegrationInternational money remittance partner allowing send and receive money services.
• Maya CentercoreChannel Partner/ Reseller/ DistributorMoney remittance partner providing Maya wallet services and payout locations.
• BAYADcoreTechnology or IntegrationBills payment service provider powering POSIBLE's bills payment services.
• Cebuana Lhuillier Foundation, Inc. (CLFI)minorStrategic or Co-development PartnerSocial responsibility partnership launching community learning centers and supporting Alternative Learning System (ALS) programs in schools, with financial literacy activities.
• J6WminorStrategic or Co-development PartnerPartner in community development initiatives with POSIBLE and CLFI for educational projects.
• Grameen FoundationminorStrategic or Co-development PartnerInternational partnership supporting women's entrepreneurship through microfinance and digital financial services, helping women achieve personal breakthroughs over poverty and financial exclusion.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• GCash: GCash is the Philippines' largest e-wallet, operated by Mynt (Globe Telecom), and runs its own cash-in/cash-out agent network. It is both a key integration partner of POSIBLE and its largest direct competitor for agent-network distribution in the same sari-sari store and underserved-community segment.
• Coins.ph: Coins.ph (now part of the WeMove Cloud/folding) is a Philippine e-wallet with a cash-in/out agent network targeting the same micro-retailer base. It is one of POSIBLE's e-money integration partners while also operating competing distribution infrastructure.
• DragonPay: DragonPay is a Philippines-focused online payment platform and aggregator that powers over-the-counter bills payment and e-commerce payments via a network of partner outlets. It is directly comparable to POSIBLE's bills-payment and B2b2C retail distribution model.
• PayMongo: PayMongo is a Philippine fintech providing online payment infrastructure (cards, e-wallets, online bank transfers) to SMEs and digital merchants. While more digital-native, it competes with POSIBLE for the same SME/merchant value proposition of accepting digital financial services.
• Maya (formerly PayMaya): Maya is the second-largest Philippine e-wallet (PLDT/Voyager Innovations), offering cash-in/out, bills payment, and a Maya Center agent network. It competes head-to-head with POSIBLE for community retailer partners and bill payment distribution while also being integrated into POSIBLE's platform.

Regional players

• DOKU: DOKU is an Indonesia-based online payment gateway and aggregator that powers e-commerce, bills payment, and agent-based financial services. It is a comparable regional fintech-distribution platform with overlapping value propositions for underserved markets.
• Xendit: Xendit is a leading Southeast Asian payment infrastructure platform serving Indonesia, Philippines, Vietnam and other markets with APIs, disbursements, and agent-based payment services. Comparable to POSIBLE as a multi-rail financial service aggregator in the same geographies.
• 2C2P: 2C2P (now part of Ant Group) is a Southeast Asian payment services platform covering Thailand, Indonesia, Philippines, Malaysia, Singapore and Vietnam, offering merchant acquiring, bill payment, and disbursement services. A regional incumbent comparable in scope to POSIBLE's B2b2C distribution play.
• TrueMoney: TrueMoney is a Southeast Asian fintech agent network (anchored in Thailand, owned by Ascend Money/CP Group) offering cash-in/out, bills payment, and remittance via neighborhood agents. It is the closest functional analogue to POSIBLE in a different Southeast Asian market.

Others

• bKash: bKash is Bangladesh's largest mobile financial services agent network, providing cash-in/out, payments, and remittance via a vast network of neighborhood agents. While geographically distant, bKash is the archetypal comparable to POSIBLE's model of extending digital financial services to the unbanked through community-based retail agents.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/posible.net
• LinkedInlinkedin.com/company/action-able-inc-

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about POSIBLE