Philippines-first hub—collections, supplier & payroll payouts, compliant FX in one stack. Less cost, quicker settlement, easy reconciliation.
Indicative FX
1 USD ≈ 56.20 PHP
Executable rates depend on the quote at order time (admin-updated).
You pay (transparent fee band)
Recipient receives
Metro Manila B2B settlement
USD 45,200 received
Partners
Logos are shown for identification only—not an endorsement or claim of partnership.
Product suite
Bring marketplace settlements, trade payables, and payroll into one compliance & reconciliation model—reducing tool sprawl and manual checks.
Receive
Connect marketplaces and buyers—pool proceeds in multi-currency virtual accounts, split by site, store, or entity.
Pay
Pay mainland China, ASEAN suppliers, and outsourcing teams—batch payouts with accounting memos, ideal for Cebu/Manila BPO and cross-border procurement.
Manage
Use transparent FX and tiered pricing within limits for PHP, USD, HKD, CNH swaps—rate locks, hedging cadence, and multi-entity reporting.
Solutions overview
Six focus areas each have a dedicated page—open a card to read more, or compare plans below.
Multi-currency settlement & supplier payouts—with emphasis on payroll and contractor payouts.
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Chinese import sourcing & export monetization—supplier payouts, marketplace receipts, and 3PL splits.
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For B2B concierge, freight-forward, and sourcing operators—payments, FX, supplier payouts, and records—not consumer proxy buying.
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Automate payout commands and webhooks aligned with orders and finance.
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Philippines pay-in, payout, and e-wallet rails for cross-border sellers.
View detailsUse cases
From Metro Manila to Davao and Cebu, distributed teams need one treasury language—we ship industry playbooks with compliance checklists.
Centralize multi-store inflows; pay ads & logistics from one wallet.
Faster cycles outside L/C—lower trapped USD onshore.
BPO/IT payroll, contractor settlement, and tax-related payout paths.
Payroll/home remittance, supplier and related-party batches—with auditable rails and reference rates.
Why P&L
Aggregators often compare on settlement time, all-in cost, FX transparency, and traceability. For comparison only—see contracts for binding terms.
| Dimension | Traditional bank wire | P&L integrated stack |
|---|---|---|
| Settlement / credit time | Often multiple business days; time zones & correspondent banks extend paths. | Target T+0–T+1 where ASEAN local rails cover. |
| Fee structure | Wire fees + possible intermediary charges; FX spread separate. | Tiered pricing with upfront, “what-you-see” quotes. |
| FX & cost visibility | Hard to compare board vs. dealt on one screen. | Shows reference rate & components before you trade—better forecasting. |
| Tracking & reconciliation | Relies on MT103-style artifacts & manual checks. | Account-level ledgers, status APIs, batch reco files. |
| Supplier risk controls | Mostly bank & client-led diligence. | Optional KYB assist & screening (per policy). |
Coverage
Philippines as the hub
On BSP-regulated rails, we route PHP settlement, e-wallets, and major commercial banks; extend THB, VND, IDR for regional procurement and outsourcing.
Hub
PHP · Philippines
THB
VND
IDR
Logical topology only—not geographic or political boundaries.
Strategic hub
Philippines · PHP
PHP clearing with wallet/bank combos—tuned for trade and marketplace inflows.
THB
VND
IDR
Trust & operations
We productize regulatory requirements—from onboarding diligence to transaction monitoring—so finance and compliance stay aligned, not just “send wire and hope.”
01 — Compliance & safety
KYC/KYB, AML monitoring, and STR handoffs to licensed partners; industry-standard encryption with auditable trails.
02 — Settlement cadence
Prioritize local clearing; target T+0–T+1 on business days within limits. Proactive alerts on exceptions—less “status guesswork.”
03 — FX & pricing
Quotes and fee structures are traceable for month-end reco and internal review—easier lock-ins when PHP swings.
04 — People & migration
Dedicated advisors help migrate statements, beneficiary templates, and favorite rails—fewer back-and-forths after go-live.
Onboarding
Across PH & ASEAN, documentation and UBO disclosure are converging with global standards. We bundle KYB, limits, and routing defaults into a visible workflow.
Regional footprint
Manila · Cebu · Bangkok · Jakarta · Ho Chi Minh City
APAC nodes and local settlement partners—coverage depends on product and contract.
Settlement rails
After onboarding, funds move via licensed partners; routing depends on currency, destination, counterparty, and limits.
Capability overview only—details follow contracts & disclosures; ask support for per-currency routing memos once live.
SWIFT / correspondent paths for large-ticket, audit-grade cross-border settlement.
Cross-border procurement, capital account wires, or projects needing full MT trails.
Domestic fast rails (e.g., RTGS/FPS) targeting shorter same-day settlement.
Intra-regional trade where cut-off alignment matters for high-frequency payouts.
E-wallets and major bank paths—ideal for high-frequency, small-ticket use.
Payroll batches, stipends, and high-frequency B2C refund routes.
Webhooks, reco files, and ERP mappings—reducing manual month-end matching.
Pre-close transfer files aligned to GL accounts or cost centers.
Testimonials
Highlights from post-implementation feedback—actual experience varies by scenario and module.
Settlement
50+
Configurable settlement currencies
Coverage
200+
Countries / regions reached
Credit timing
T+0~1
Typical SEA credit window*
Fee transparency
0–1%
All-in fee band (product-dependent)*
Latest
Curated notes on settlement, FX, and compliance—quick reads for busy teams.
FAQ
We grouped the top questions—if your case is nuanced, message us on Contact.
After you share contact details, we reply in 1–2 business days—with spreadsheets ready if you share volumes and currencies.
You can also email business & legal: info@hkmoneychanger.com
