Pay&Go (BTI Payments Phils, Inc.)

What Pay&Go (BTI Payments Phils, Inc.) does

Pay&Go (BTI Payments Phils, Inc.) is a Philippine-incorporated private company that operates a self-service payment kiosk network across the Philippines, headquartered in Makati, NCR. Its kiosks accept PHP 50, 100, 500, and 1000 denominations — including polymer bills — and enable consumers to perform e-Money cash-in, utility and government bill payments, mobile airtime (e-load) purchases, bank deposits, and RFID transport top-ups. Transactions post immediately, the service operates 24/7 at merchant partner locations, and customers are notified by SMS; a Pay&Go Wallet feature stores excess payments and failed transaction amounts, accessible via an SMS-delivered PIN.

The underlying platform combines proprietary kiosk hardware/software with a multi-biller payment processing engine and integrations to biller partners including Meralco, various e-Money providers, government agencies, and other utility/service billers. Revenue is generated through service fees on bill payments and select e-Money cash-ins, with fee amounts varying by biller partner. The product is distributed solely through the physical kiosk network at merchant partner sites, with customer acquisition and support handled via Facebook, YouTube, TikTok, LinkedIn, a Freshdesk ticketing system, and a payandgo.help support portal.

The company primarily serves individual Filipino consumers who require cash-based access to digital financial services, addressing pain points such as long queues at traditional payment centers, limited banking hours, and the absence of 24/7 cash-to-digital conversion. No institutional investors, funding rounds, management team details, certifications, or patent/trademark filings were disclosed in the available data, and the company has no mobile app, API/SDK surface, or AI/ML capabilities described in the source material.

Name

Pay&Go (BTI Payments Phils, Inc.)

Legal name

BTI Payments Phils, Inc.

Website

https://btipayments.ph

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

Pay&Go (BTI Payments Phils, Inc.) operates a 24/7 self-service kiosk network in the Philippines enabling cash-based bill payments, e-Money cash-in, e-load, RFID top-ups, bank deposits, and government payments for individual consumers.

Ownership category

akta.pro rank

Product category

Payment Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Agent-Assisted / Retail Bill Payment Networks (FSAMAJAD)

akta.pro secondary industries

Carrier Billing & Telco Mobile Money (FSAMAEAD), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

Keywords

• Self-service payment kiosks
• Bills payment services
• E-money cash-in
• Mobile airtime loading
• Digital wallet services

Headquarters

HQ city

Not specified

HQ country

Philippines

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Service Fees on Bill Payments: Pay&Go charges service fees for bill payment transactions. The fee amount varies depending on the biller partner. This represents the primary revenue stream for facilitating payments on behalf of utility companies and service providers.
2. E-Money Top-up Fees: Service fees are applicable for some e-Money billers when customers cash in through the kiosks.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Pay&Go operates a network of self-service payment kiosks across the Philippines that accept Philippine peso cash for multiple transaction types including e-Money cash-in, utility and service bill payments, government payments, mobile airtime load, bank deposits, and RFID transport card reloading. The kiosks are available 24/7 at merchant partner locations and feature the proprietary Pay&Go Wallet for storing excess payment balances and managing digital credits. Transactions are posted immediately and confirmed via SMS notification, with service fees varying by biller partner.

Product overview

Pay&Go is a network of self-service payment kiosks operated by BTI Payments Philippines, Inc. The core offering is the Pay&Go kiosk hardware and software platform, which provides a unified terminal for multiple payment services. The product portfolio includes the main Pay&Go kiosk for cash transactions, and multiple service modules: e-Money Cash In for electronic money top-ups, Bill Payments for utility and service bills, Government Payments for government obligations, Mobile Airtime Load (E-load) for cellular load purchases, Bank Deposits for cash deposits to bank accounts, Transport Top-up (RFID) for toll and transportation card reloading, and Pay&Go Wallet for storing and managing transaction balances. Services operate 24/7 with immediate transaction posting and SMS notifications.

Differentiator

Problem solved

Functional benefit

Products and services

• Pay&Go Self-Service Payment Kiosk Self-service payment kiosk that accepts Philippine peso cash and processes e-Money cash-in, bills payment, government payments, mobile airtime load, bank deposits, and RFID transport reloading. Designed for individual Filipino consumers who need 24/7 walk-up access to cash-based financial transactions without visiting bank branches or payment centers.
• e-Money Cash In Kiosk-based service that enables users to load cash onto electronic money (e-Money) accounts of partner providers. Targeted at Filipino consumers using e-Money wallets who need cash-based top-up channels.
• Bill Payments Kiosk-based bills payment service that processes payments for multiple utility companies and service providers, including electricity, water, and telecommunications bills. Service fees apply and vary by biller partner.
• Government Payments Kiosk-based payment service that processes transactions for government billers and obligations. Customers receive a transaction receipt at the kiosk and may request an Official Receipt from the biller.
• Mobile Airtime Load (E-load) Kiosk-based service enabling users to purchase mobile airtime load for their own phone number or other numbers through the Pay&Go terminal.
• Bank Deposits Kiosk-based service enabling users to make cash deposits to bank accounts through the Pay&Go terminal.
• Transport Top-up (RFID) Kiosk-based service for reloading RFID cards used for transportation payments, including toll fees.
• Pay&Go Wallet Digital wallet feature integrated with the Pay&Go kiosk that stores excess payment amounts and refunds from canceled or failed transactions, and allows users to pay using wallet balance instead of inserting cash. Users can retrieve their wallet PIN via SMS and can combine wallet balance with cash in a single transaction.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered core.

• MeralcocoreOthersMeralco (Manila Electric Company) is a major electricity utility partner. For Meralco payments, excess amounts are NOT credited to the Pay&Go Wallet but handled differently. Pay&Go processes Meralco bill payments and coordinates reversals with the biller upon customer request.
• E-Money ProviderscoreOthersVarious e-Money service providers partner with Pay&Go to enable cash-in transactions. Service fees apply for some e-Money billers. Excess amounts from e-Money transactions are credited to the Pay&Go Wallet.
• Government AgenciescoreOthersPay&Go enables government payments, processing transactions for various government billers. Customers can request Official Receipts from the biller after completing transactions.
• Various Utility and Service BillerscoreOthersThe kiosk network processes payments for multiple utility and service providers including electricity, water, telecommunications, and other recurring bills. Service fees vary by biller.

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Xendit: Xendit is a Southeast Asia payment processor serving the Philippines and Indonesia. Operates at the merchant-acquiring layer, broader than Pay&Go's consumer-facing kiosks but addressing overlapping payment flows.

Direct peers

• TrueMoney Philippines: TrueMoney Philippines runs an agent-based cash-in/cash-out and bills payment network. Competes with Pay&Go for unbanked consumers performing cash-based transactions across the Philippines.
• ECPay: ECPay operates a comparable network of self-service payment kiosks in the Philippines, offering bills payment, e-loading, and e-money cash-in. Directly competes with Pay&Go on the same biller and merchant footprint.
• TouchPay by Smart Money (PayMaya/Maya partner network): TouchPay provides payment kiosks and retail-agent payment services for bills, e-load, and e-money in the Philippines, overlapping with Pay&Go's core offerings and target users.
• DragonPay: DragonPay is an online payment aggregator in the Philippines enabling consumers to pay merchants via banks, e-wallets, and over-the-counter partners. Comparable on the biller/payment-aggregation layer though distributed primarily through partner channels.
• Cebuana Lhuillier (Pera Padala): Cebuana Lhuillier is a large Philippines pawnshop and remittance network offering bills payment, e-loading, and remittance services. Competes with Pay&Go for cash-based consumer financial transactions.
• 7-Eleven CLiQQ: CLiQQ kiosks inside 7-Eleven stores in the Philippines provide bills payment, e-load, and e-money services. Operates from a high-traffic retail footprint, competing with Pay&Go's merchant-partner locations.

Emerging players

• Coins.ph: Coins.ph is a Philippine digital wallet offering bills payment, e-load, and crypto on-ramp. Competes with Pay&Go on consumer payment occasions, particularly for digitally enabled users.
• Maya (formerly PayMaya): Maya is a leading Philippine e-wallet and digital bank. It overlaps with Pay&Go on bills payment and e-money top-up, increasingly for users who might otherwise use kiosks.
• GCash: GCash is the dominant Philippine e-wallet offering bills payment, e-load, and bank transfers. While digital-only, it competes for the same transaction occasions and threatens Pay&Go's cash-based volumes over time.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@payandgoph
• Facebookfacebook.com/payandgoph
• LinkedInlinkedin.com/company/payandgoph
• TikToktiktok.com/@payandgoph

Revenue estimate

Valuation estimate

Number of profiles

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 Pay&Go (BTI Payments Phils, Inc.)