Coming soon

InstaPay / PESONet

InstaPay / PESONet is a instant bank payment method. Customers pay by: domestic instant bank transfer.

Category
Local payment methods
Type
Instant bank payment
Customer experience
Domestic instant bank transfer
Currencies
PHP
Markets
1 countries
Recurring
Not supported
Refunds
Full refunds only
Payment links
Supported
Hosted checkout
Supported
API
Supported
Settlement
T+1 to T+3 depending on the local scheme

Available through The Vision Bank

On the roadmap. Not yet contractable — timing depends on partner and licensing progress.

Availability depends on your merchant country, legal entity, customer country, industry, risk classification, currency, product and payment-partner coverage. Nothing on this page is an offer of service.

Check eligibility

Pricing for InstaPay / PESONet

One rule everywhere: the underlying provider cost plus a $1.00 per transaction Vision markup. Scheme, network and FX charges are always shown separately, at cost.

Underlying provider cost
Provider cost band, typically 0.6%–3.5% depending on the market
Vision markup
$1.00 per transaction
What you pay
Provider cost + $1 per transaction
Scheme & network charges
Domestic scheme and agent-network fees billed at cost
Currency conversion
Local currency converted on payout where you do not hold that currency
Settlement
T+1 to T+3 domestic cycle

These bands show how a price is built, not a quote. Your rate is confirmed at onboarding once your entity, industry, volume and markets are reviewed.

Partner infrastructure

InstaPay / PESONet is processed through regulated infrastructure. Partner identities are disclosed only where the relationship is confirmed and cleared for publication.

  • Local acquiring partners

    Domestic acquirers and payment operators that connect us to a country's own card and bank rails.

    Domestic settlement cycle, usually T+1 to T+3

  • Tier 2 banking partners

    Regional and specialist banks used for domestic clearing, local currency accounts and corridor coverage.

    T+0 to T+2 depending on the domestic rail

  • Licensed payment partners

    Regulated payment institutions and acquirers that hold the scheme memberships and licences required to process a method.

    T+1 to T+5 depending on scheme and risk profile

Eligibility & requirements

Every merchant

  • · A registered business entity with incorporation documents
  • · Identification for directors and beneficial owners (KYC / KYB)
  • · Description of the business model, products and customer base
  • · Expected monthly volume, average transaction size and target markets
  • · A live website or product with clear terms, refund and privacy policies
  • · Sanctions, AML and risk screening of the entity and its owners

Entity

  • · Registered entity
  • · Local entity or representative where the domestic rail requires it

Technical

  • · Local reference or QR generation
  • · Expiry and reconciliation handling

Compliance

  • · Domestic regulatory approval via the local partner
  • · Local tax and invoicing rules

Markets where customers use it