Frequently Asked Questions
Find answers to common questions about PayLoro's payment solutions, merchant onboarding, payment channels, settlements, and customer support.
What is PayLoro?
PayLoro is a Philippine financial technology platform operated by eMandarin Ventures, Inc. It provides digital payment, collection, disbursement, merchant, wallet, bills payment, POS, QR, and enterprise integration solutions.
Is PayLoro a bank?
No. PayLoro is not a bank. Certain financial services and payment channels may be provided in partnership with authorized banks, financial institutions, e-wallet providers, payment networks, and other regulated entities.
What businesses can use PayLoro?
PayLoro may support qualified merchants, billers, lending companies, transport operators, property organizations, online businesses, schools, enterprises, government institutions, and other registered organizations.
How can I become a merchant?
Submit the merchant inquiry form. A PayLoro representative will contact you to discuss your business, solution requirements, commercial arrangement, and documentary requirements.
What payment channels are available?
Available channels depend on the selected product and approved setup. They may include QR, e-wallets, bank transfers, cards, online checkout, POS devices, merchant-assisted channels, and bills payment channels.
Can PayLoro integrate with our website or application?
Yes. PayLoro may provide APIs, hosted payment pages, callbacks, transaction inquiries, and reporting options for approved enterprise integrations.
Does PayLoro provide QR codes?
PayLoro may provide static, dynamic, or transaction-specific QR solutions depending on the merchant setup, payment channel, and approved implementation.
Does PayLoro provide a payment soundbox?
Yes. PayLoro offers a Soundbox solution for supported QR payment environments, subject to merchant approval, device availability, and commercial terms.
Does PayLoro provide POS terminals?
POS and terminal solutions may be offered subject to merchant approval, product availability, partner arrangements, and applicable requirements.
Can PayLoro collect loan payments?
PayLoro may support online, QR, merchant-assisted, bills payment, and field collection models for qualified lending institutions.
Can PayLoro disburse loan proceeds?
PayLoro may support approved loan disbursement arrangements in partnership with qualified lending companies or banking institutions.
Does PayLoro provide loans?
PayLoro may connect eligible merchants or users with authorized lending or banking partners. Loan applications remain subject to the partner's credit assessment and approval.
How long does onboarding take?
The timeline depends on document completeness, compliance review, agreement execution, technical integration, testing, and partner approval.
When are merchant funds settled?
Settlement schedules depend on the payment channel, partner arrangement, transaction status, banking schedule, risk review, and applicable merchant agreement.
What should I do if my account was debited but the transaction failed?
Contact PayLoro Customer Support and provide the transaction reference, amount, date, payment channel, and proof of debit.
How can I report fraud?
Immediately contact PayLoro through the official fraud reporting or customer support channel displayed on the website.
Why Businesses
Choose PayLoro
From secure payment infrastructure to dedicated merchant support, PayLoro delivers everything your business needs.
Deep Local Market Expertise
Deep familiarity with Filipino consumer habits, enterprise needs, payment preferences, and the domestic financial services landscape.
One Integrated Payment Platform
A single partnership unlocks collections, aggregation, payouts, QR codes, e-wallets, bill payments, offline checkout, and enterprise integrations.
Flexible Integration Options
Tailored to enterprise needs — supported by web portals, hardware devices, hosted payment pages, and API endpoints.
Dedicated Commercial Support
Business development and sales teams help partners find the right commercial and operational fit.
Dedicated Technical Support
Our technical team supports integration, testing, incident handling, device deployment, and go-live.
Compliance-First Onboarding
Merchants and partners complete full document verification, due diligence, and risk and compliance review.
End-to-End Operational Support
Support for transaction monitoring, settlement coordination, financial reconciliation, merchant issue handling, and exception escalation.
Built to Scale
Solutions adapt to growing transaction volumes, merchant networks, user bases, and payment demands.
Ready to Grow with PayLoro?
Start accepting payments, streamline collections, and manage transactions with confidence.