Lending and Financing
PayLoro can support the customer journey from loan approval and disbursement to repayment collection, account validation, payment confirmation, transaction reporting, and reconciliation.
PayLoro can support the customer journey from loan approval and disbursement to repayment collection, account validation, payment confirmation, transaction reporting, and reconciliation.
Lending and Financing
Lending institutions face growing pressure to disburse funds quickly, collect repayments reliably, and maintain audit-ready records across digital and assisted channels. PayLoro connects loan originations, borrower validation, disbursements, and repayment collection into a single settlement and reporting layer that adapts to branches, agents, and online touchpoints.
Who Is This For
Banks & Lenders
Institutions managing personal, salary, and SME loan portfolios with branch and digital channels.
Financing Companies
Non-bank lenders handling consumer durables, vehicle, or microfinancing repayment cycles.
Collection Officers
Field and counter staff responsible for borrower outreach, validation, and receipting.
Borrowers
End customers repaying via online banking, QR, partner merchants, or assisted cash channels.
Key Capabilities
Loan Application Redirection
Route applicants from partner portals or branches into structured loan application workflows.
Borrower Account Validation
Support account and payment-reference validation, subject to the lender’s compliance process.
Loan Disbursement
Release approved funds to verified borrower accounts with traceable transaction records.
Multi-Channel Repayment
Accept repayments via online banking, QR, partner merchants, or field collection under one ledger.
Merchant-Assisted Repayment
Enable partner merchants to accept cash repayments and issue electronic receipts on PayLoro's behalf.
Reconciliation Reporting
Match collected payments against loan accounts and produce audit-ready settlement reports.
Typical Scenarios
Online Loan Repayment
Borrower logs into the lender portal, selects an active loan, and pays via bank transfer or QR; PayLoro validates the account, posts the payment, and updates the loan ledger in real time.
Merchant-Assisted Cash Repayment
Borrower visits a partner merchant with cash; merchant scans a QR or enters loan reference, PayLoro confirms payment, issues an electronic receipt, and notifies the borrower.
Field Collection Round
Collector visits borrowers offline, validates identity, collects cash, and records the payment via mobile; PayLoro syncs the entry for same-day reconciliation.
Loan Disbursement to Verified Account
After loan approval, PayLoro validates the borrower's account ownership and releases funds with a traceable disbursement reference and notification.
End-of-Day Reconciliation
PayLoro aggregates repayments from all channels, matches them against loan accounts, and exports reconciliation reports for finance and audit teams.
Business Benefits
Faster Repayment Cycle
Multi-channel collection shortens days-sales-outstanding and improves cash flow visibility.
Lower Collection Cost
Digital and merchant-assisted channels reduce dependence on physical branches and field staff.
Audit-Ready Records
Every transaction carries a reference, timestamp, and receipt for regulator and internal audit review.
Better Borrower Experience
Borrowers choose their preferred repayment channel and receive instant confirmation and receipts.
Get Started
Discovery & Mapping
Share your loan products, repayment channels, and reconciliation rules; PayLoro maps the integration points and SLAs.
Integration & Piloting
Connect borrower validation, disbursement, and repayment endpoints; pilot with one loan product before scaling.
Rollout & Optimization
Onboard branches, merchants, and field collectors; monitor channel mix and tune reconciliation rules for accuracy.
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.