ExpressPay, Inc.
ExpressPay, Inc. is a Philippines-based bills-payment franchise platform that equips 2,000+ Filipino entrepreneurs across all 81 provinces with proprietary POS terminals to process utility, government, remittance, and load transactions in exchange for franchise fees and transaction commissions.
- Company typePrivate
- Founded2011
- HeadquartersSan Juan, Philippines
- Headcount1–10
- GTM typeB2C
- OfferingServices
What ExpressPay, Inc. does
ExpressPay, Inc. is a Philippine bills-payment franchise platform founded in 2011 and headquartered in San Juan, Metro Manila. The company operates a proprietary point-of-sale (POS) terminal and software system bundled with training, marketing materials, and ongoing technical support, distributed exclusively through a franchise model targeting Filipino entrepreneurs and small retailers. As of 2022 the network comprised more than 2,000 active franchise outlets spanning all 81 provinces, processing over ₱1 billion in monthly transaction volume across utility bills (Meralco, PLDT, Globe), government contributions (SSS, PhilHealth, Pag-IBIG), mobile load and e-wallet top-ups, remittances, microinsurance, COD e-commerce collection, and ticketing services.
ExpressPay generates revenue from two streams: (1) one-time franchise fees across three tiers — Starter at ₱80,000, Growth at ₱180,000, and Premium at ₱340,000 — and (2) recurring transaction commissions on volume processed by franchisees, typically ₱2–₱50 per transaction depending on service type plus 3–5% on load top-ups. Its go-to-market relies on a direct sales motion through the company website, online inquiry forms, and dedicated franchise advisors who consult prospects, assess locations, and convert inquiries within a six-step process that can compress grand opening to as little as two weeks.
The company employs approximately 10 people at headquarters, is privately held with no disclosed external funding, and does not maintain company-owned stores. Its competitive position rests on nationwide brand recognition accumulated over 15+ years and on physical distribution density that is capital-intensive to replicate, though it operates without disclosed proprietary AI/ML capabilities and remains exposed to digital wallet platforms (GCash, Maya) that compete for the same end-user transactions.
ExpressPay, Inc. firmographics
Firmographics- Name
- ExpressPay, Inc.
- Legal name
- Expresspay Inc.
- Website
- https://expresspayinc.ph
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- ExpressPay, Inc. is a Philippines-based bills-payment franchise platform that equips 2,000+ Filipino entrepreneurs across all 81 provinces with proprietary POS terminals to process utility, government, remittance, and load transactions in exchange for franchise fees and transaction commissions.
- Ownership category
- akta.pro rank
ExpressPay, Inc. industry classification
Industry- Product category
- Bill Payment Franchise Services
- akta.pro primary industry
- Recurring Billing & AutoPay Management (FSAMAJAE)
- akta.pro secondary industries
- Merchant Cross-Border Collections (Pay-ins) & Local Payment Methods (FSAGAKAD), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Billing, Payments & Premium Finance Platforms (FSAGAGAI)
Keywords
Where ExpressPay, Inc. is headquartered
LocationHeadquarters
- HQ city
- San Juan
- HQ country
- Philippines
- HQ region
- Asia
Offices1 record
Markets served
ExpressPay, Inc. business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Transaction Commissions - Bills Payment: Franchisees earn commissions on every bill payment transaction processed. Commission rates range from ₱2–₱10 per transaction for utilities (Meralco, PLDT, Globe). With 50–200 bill payment transactions per day, this represents a primary revenue stream for both franchisees and the franchisor through transaction volume.
- Transaction Commissions - Load & E-Wallet Top-up: Franchisees earn 3–5% commission on every load and e-wallet top-up transaction. With 30–100 load transactions per day, this provides a recurring revenue stream with consumption-based earnings.
- Remittance Services: Franchisees process remittance transactions earning ₱15–₱50 per transaction. With 10–30 remittance transactions per day, this represents a growing revenue stream particularly valuable in domestic and international money transfer corridors.
- Government Payments: Franchisees process government payments (SSS, PhilHealth, Pag-IBIG) earning ₱5–₱20 per transaction. With 20–60 government payment transactions per day, this revenue stream leverages the mandatory nature of government contributions for Filipino workers.
- Franchise Fees: One-time franchise fees collected from franchisees upon signing the agreement. Three tiers: Starter (₱80,000), Growth (₱180,000), Premium (₱340,000). These fees provide upfront capital and cover POS equipment, initial load credits, training, and marketing materials.
- Insurance Premium Collection: Franchisees earn commissions on insurance premium collections, providing an additional recurring revenue stream from the financial services ecosystem.
- Online Shopping COD Collection: Franchisees provide cash-on-delivery collection services for online shoppers, earning transaction fees for each collection processed.
- Ticketing Services: Premium franchisees can offer bus, ferry, and airline ticketing services, generating commissions on ticket sales.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Multi-year contract | Starter Package - ₱80,000 one-time franchise fee |
| One time/ perpetual license | Multi-year contract | Growth Package - ₱180,000 one-time franchise fee |
| One time/ perpetual license | Multi-year contract | Premium Package - ₱340,000 one-time franchise fee |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels5 records
ExpressPay, Inc. product offering
Product offeringCore offering
ExpressPay sells and licenses a turnkey bills payment franchise system to Filipino entrepreneurs, bundling a proprietary POS terminal, software, training, marketing materials, and ongoing technical support across three tiered packages (Starter, Growth, Premium). Franchisees operate ExpressPay-branded payment outlets that process utility bill payments, mobile load and e-wallet top-ups, government contributions, remittances, insurance premiums, e-commerce COD collections, and transportation ticketing in exchange for one-time franchise fees and recurring transaction commissions.
Product overview
ExpressPay operates a franchise-based bills payment network platform with three tiered packages (Starter at ₱80,000, Growth at ₱180,000, and Premium at ₱340,000) that provide entrepreneurs with POS terminals, software licenses, training, and technical support. The core franchise system enables franchisees to offer a range of financial services including bills payment (Meralco, PLDT, Globe), government payments (SSS, PhilHealth, Pag-IBIG), load and e-wallet top-up, remittance, insurance premiums, and COD collection. Additional premium services include bus/ferry ticketing, airline ticketing, foreign exchange remittance, and government ID processing. Franchisees access the Expresspay Franchisee Portal for transaction history and earnings management.
Differentiator
Problem solved
Functional benefit
Products and services
- Starter Franchise Package Entry-level bills payment franchise package priced at PHP 80,000 (one-time fee), including one POS terminal and software, PHP 2,000 initial load credits, basic online training program, marketing starter kit, and 1-year tech support. Enables sari-sari store owners, home-based operators, and first-time entrepreneurs to offer bills payment (Meralco, PLDT, Globe) and government payments (SSS, PhilHealth, Pag-IBIG). Claimed monthly earnings of PHP 15,000-25,000 with 6-9 month ROI.
- Growth Franchise Package Mid-tier bills payment franchise package priced at PHP 180,000 (one-time fee), including everything in Starter plus a premium POS system, PHP 5,000 initial load credits, advanced online business training, full marketing kit, 3-year priority tech support, a dedicated account manager, and priority helpdesk access. Adds remittance services, online shopping COD collection, microinsurance products, and bus and ferry ticketing. Claimed monthly earnings of PHP 25,000-35,000 with 9-12 month ROI; targeted at entrepreneurs in high-foot-traffic locations.
- Premium Franchise Package Top-tier bills payment franchise package priced at PHP 340,000 (one-time fee), including everything in Growth plus a multi-counter setup, PHP 10,000 initial load credits, face-to-face full business training, complete branding package, 5-year tech support, lifetime support, a dedicated account manager, and exclusive territory rights. Adds foreign exchange remittance, airline ticketing, government ID and document processing, and exclusive premium products. Claimed monthly earnings of PHP 35,000-100,000 with 12+ month ROI; targeted at dedicated payment centers and high-volume locations.
- Digital Payment Integration Capability launched in 2024 that extends the ExpressPay platform to process digital and electronic payments beyond traditional cash, available across the franchise network.
Quantifiable outcome
- 2,000+ Filipino entrepreneurs already earning with ExpressPay
- +5 more outcomes
Companies that use ExpressPay, Inc.
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles3 records
ExpressPay, Inc. technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
Feature3 records
ExpressPay, Inc. partnerships and signals
Strategic signalScale indicators8 records
Recent moves5 records
Expansion highlights5 records
ExpressPay, Inc. competitors and assessment
Company assessmentBroad incumbents
- GCash (Mynt / Globe Fintech Innovations): GCash is the dominant Philippine e-wallet, processing bills payment, transfers, and merchant payments at scale through a mobile app. While not a franchise peer, it is the most important competitive substitute to ExpressPay's agent-based bill payment model.
- Maya (formerly PayMaya): Maya is a leading Philippine digital bank and e-wallet offering in-app bills payment, transfers, and savings. It competes indirectly with ExpressPay by absorbing bill payment transactions that would otherwise flow through agent outlets.
Direct peers
- Palawan Pawnshop: Palawan Pawnshop operates an extensive branch network offering bills payment, remittance, and pawnbroking across the Philippines. Overlaps with ExpressPay on agent-based bill payment and remittance services targeting underbanked Filipinos.
- Cebuana Lhuillier: Cebuana Lhuillier operates one of the largest pawnshop and financial service branch networks in the Philippines, with bills payment, remittance, and microinsurance at the counter. Comparable to ExpressPay on multi-service agent-based financial distribution to mass-market Filipinos.
- MLhuillier: MLhuillier is a major pawnshop and financial services chain offering bills payment, remittance, and insurance products through thousands of branches. Comparable to ExpressPay on counter-based bill pay and Filipino mass-market financial distribution.
- ECPay (Electronic Commerce Payments Inc.): ECPay operates a franchise and partner-agent network across the Philippines for bills payment, e-loading, remittance, and government collections. It is one of ExpressPay's closest direct competitors in the agent-based bill payment franchise space.
- Bayad Center: Bayad Center is the largest and most established bills payment network in the Philippines, operating a similar agent-based model that processes utility, government, and other bill payments on behalf of major billers. Directly comparable to ExpressPay in core service offering, target customer behavior, and revenue model.
- TouchPay (RDM Asia-Pacific / iBayad): TouchPay (and related brands under RDM) operates a multi-thousand-outlet bills payment and e-loading network in the Philippines. It competes head-to-head with ExpressPay in agent-based bill pay and ancillary financial services.
- TrueMoney Philippines: TrueMoney Philippines runs a nationwide agent/remittance network offering bills payment, mobile top-up, and money transfer through franchised outlets. Comparable to ExpressPay on franchise-based distribution and core financial services menu.
Emerging players
- DragonPay: DragonPay is an online payment aggregator in the Philippines that enables over-the-counter and online bill payments through partner banks and payment centers. Comparable to ExpressPay on bill payment aggregation though differentiated by its digital-first channel mix.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
ExpressPay, Inc. social profiles
Digital presenceExpressPay, Inc. financial estimates
Financial estimateRevenue estimate
Valuation estimate
ExpressPay, Inc. leadership team
Management profileNumber of profiles
ExpressPay, Inc. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ExpressPay, Inc. 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 ExpressPay, Inc.
What does ExpressPay, Inc. do?
ExpressPay sells and licenses a turnkey bills payment franchise system to Filipino entrepreneurs, bundling a proprietary POS terminal, software, training, marketing materials, and ongoing technical support across three tiered packages (Starter, Growth, Premium). Franchisees operate ExpressPay-branded payment outlets that process utility bill payments, mobile load and e-wallet top-ups, government contributions, remittances, insurance premiums, e-commerce COD collections, and transportation ticketing in exchange for one-time franchise fees and recurring transaction commissions.
Is ExpressPay, Inc. a public or private company?
ExpressPay, Inc. is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ExpressPay, Inc. founded?
ExpressPay, Inc. was founded in 2011. It employs 1 to 10 people.
Where is ExpressPay, Inc. based?
ExpressPay, Inc. is headquartered in San Juan, Philippines, in the Asia region.
How does ExpressPay, Inc. make money?
Eight revenue lines are on record. Transaction Commissions - Bills Payment is the primary driver. The others are transaction Commissions - Load & E-Wallet Top-up, remittance Services, government Payments, franchise Fees, insurance Premium Collection, online Shopping COD Collection and ticketing Services.
Who are ExpressPay, Inc.'s main competitors?
Broad incumbents on record are GCash (Mynt / Globe Fintech Innovations) and Maya (formerly PayMaya). Direct peers are Palawan Pawnshop, Cebuana Lhuillier, MLhuillier, ECPay (Electronic Commerce Payments Inc.), Bayad Center, TouchPay (RDM Asia-Pacific / iBayad) and TrueMoney Philippines. DragonPay is listed as an emerging player.
Does ExpressPay, Inc. have an API?
No public API is recorded for ExpressPay, Inc..
What industry is ExpressPay, Inc. in?
ExpressPay, Inc.'s product category is Bill Payment Franchise Services. Its primary akta.pro industry code is FSAMAJAE, Recurring Billing & AutoPay Management, with a secondary code of FSAGAKAD, Merchant Cross-Border Collections (Pay-ins) & Local Payment Methods.