BSP Circular No. 1049 & RA 11127 OPS Applicant

Empowering Business Payments with Security, Speed, and Compliance

The single payment orchestration platform for Philippine enterprises. Streamline bulk payroll disbursements and unified collection gateways through BSP-regulated rails—with zero fund commingling.

100%

Segregated Payout Accounts

24/7/365

Live Human Support (5-Min SLA)

PHP 12M

Paid-up Capital Basis

InstaPay / PESONet

Direct Banking Connectivity

Core Solutions

Enterprise Infrastructure for Modern Business

Built specifically to bridge the Philippine business payment gap with scalable API integrations and regulatory compliance.

Collections Gateway

Route customer payments seamlessly via QR Ph, InstaPay, PESONet, and e-wallets. Partner banks settle funds directly into client accounts.

  • Direct settlement by bank/EMI
  • Zero holding of collection funds

Bulk Disbursements

Automate payroll payouts, supplier settlements, and batch refunds to any PH bank or e-wallet via automated APIs or SFTP file uploads.

  • InstaPay Real-time payouts
  • High-volume PESONet batches

Card & Wallet Connect

Connect clients to major e-wallets (GCash, Maya) and bank cards via licensed partners. Technology & program management without wallet issuing.

  • Licensed acquirer integration
  • Compliant partner ecosystem

Reconciliation & Reports

Real-time transaction dashboards, automated daily bank reconciliation, downloadable statements, and ERP accounting exports.

  • Real-time ledger status
  • SAP/Xero/CSV export formats

Architecture & Safeguards

Interactive Fund Flow Architecture

Echelon never commingles funds. Toggle below to visualize our strictly segregated fund mechanics for Collections and Disbursements.

Step 1: Payer

Customers / Buyers

Pays via QR Ph, InstaPay, or e-Wallets

Step 2: Partner Bank / EMI

Regulated Settlement Bank

Holds and settles transaction funds

Step 3: Client Account

Client Bank Account

Receives collections directly on partner schedule

Echelon Platform Role

Routes, validates, and provides real-time transaction reporting. Never receives or holds collection funds.

Zero Fund Risk

24/7 Live Human Support

No chatbots or delayed ticket queues when money is on the line. Connect immediately to a trained customer service representative within 5 minutes.

  • First response < 5 mins by chat & phone
  • Supervisor escalation < 30 mins
  • Immediate response for scam reports

Tailored Segment Solutions

Designed specifically for Philippine SMEs (20-500 staff), online merchants, BPO staffing providers, and multi-sided digital platforms.

  • Rapid SME onboarding & KYB
  • High-volume BPO payroll execution
  • E-commerce checkout integration

Enterprise AWS Hosting

Hosted on AWS Asia Pacific (Singapore) with low-latency workloads in the AWS Manila Local Zone and active standby disaster recovery.

  • 99.9% Monthly availability SLA
  • TLS 1.2+ & AES-256 data encryption
  • CREST-accredited annual pentesting

Transparent Commercials

Pricing & Transaction Controls

Fully transparent fee structure and multi-tiered payment rail limits in accordance with BSP and RA 11765 guidelines.

Pricing Model Schedule

Payroll Disbursement

Per employee payout

PHP 10.00

Supplier Disbursement

Percentage per supplier transaction

0.35%

Collections Fee

QR Ph, e-wallets, online banking

1.00%

Monthly Platform Fee

Dashboard, reporting, reconciliation

PHP 20,000.00

Onboarding & Integration

One-time corporate setup fee

PHP 80,000.00

Payment Rail Limits

InstaPay (Real-time) Standard Limit

PHP 50,000.00 per transaction (Up to PHP 500,000.00 for InstaPay for Business subject to bank approval).

PESONet (Batch Clearing) High Volume

PHP 500,000.00 initial standard single transaction limit. Higher limits available for approved corporate payroll.

QR Ph & E-Wallets Collections

PHP 50,000.00 per single collection transaction, subject to provider terms and risk assessment.

Daily Client Payout Cap Initial Risk Control

PHP 500,000.00 standard daily combined payout cap (customizable for qualified corporate accounts).

Trust & Regulation

Regulatory Compliance & Governance

Operating strictly under the regulatory mandates of the Bangko Sentral ng Pilipinas and national financial laws.

RA 11127 & BSP Circ. 1049

Operator of Payment System

Registered framework as an OPS for payment collection, platform operation, and disbursement routing across Philippine rails.

RA 9160 (AMLA Framework)

AML/CTPF Program

Full MTPP compliance featuring institutional risk assessments, sanction screening via Sumsub, and automated AMLC reporting.

RA 11765 & Circ. 1160

Consumer Protection

Financial Products Consumer Protection Act compliance with clear fee disclosures, complaint handling, and fast escalation pathways.

RA 10173 Data Privacy

Data Privacy Act (NPC)

Registered Data Protection Officer (DPO), privacy impact assessments, and strict data-sharing protocols for sensitive personal data.

RA 12010 (AFASA)

Anti-Account Scamming

Fraud prevention measures, account takeover reporting channels, and hold-and-trace mechanisms to counter financial scams.

Out of Scope Activities

Strict Boundary Scope

Echelon does not issue e-money, hold merchant settlement contracts (merchant acquiring), handle virtual assets, or operate consumer wallets.

Corporate Overview

Built by Experienced Fintech Professionals

Echelon Technologies Inc. is a domestic stock corporation incorporated on March 13, 2026, headquartered in Makati City. The company operates with a paid-up capital of PHP 12,000,000.00 backed by shareholder credit support facilities.

Paul Michael Salisbury

President, CEO & Chairperson

15+ years executive experience in payment systems, fintech infrastructure, and regulatory compliance.

Elnor Faith Ann Paguirigan

Treasurer & Chief Finance Officer

Certified Public Accountant for 17 years with extensive external audit and corporate finance leadership.

Junard Jumalon

Chief Compliance & AML Officer

Independent compliance officer driving AMLC portal integration and MTPP execution.

Corporate Verification Details

SEC Registration No. 2026030242089-30
TIN / RDO 803-352-095-00000 / RDO 047
LGU Business Permit City of Makati No. 40697
Authorized & Paid-up Capital PHP 12,000,000.00
External Auditor SGV & Co. (SEC-Accredited)
Primary Partner Banks UnionBank, AUB, Netbank

Note: Echelon Technologies Inc. submits all business plan filings under strict confidentiality with the Payments Supervision and Licensing Department (PSLD) of Bangko Sentral ng Pilipinas.

Get in Touch

Connect with Our Enterprise Team

Interested in partnering with Echelon Technologies Inc. for automated bulk payouts, payroll disbursements, or collection routing? Contact our Makati office today.

Principal Office Address

The Penthouse 3, Salamin Building,
197 Salcedo St., Legaspi Village, San Lorenzo,
City of Makati, Metro Manila 1205

Email & Portal Support

compliance@echelontech.ph

support@echelontech.ph (24/7)

24/7 Live Support Hotline

+63 (02) 8888-ECHELON

Guaranteed <5 minute live agent response