Fintech company Salmon has developed and deployed its own payment orchestration platform to support transactions across its lending and savings products.
The platform is designed to handle payments securely and efficiently, including loan repayments, deposits, and fund transfers. It connects with a wide network of local banks, e-wallets, and payment providers to give customers more options for completing transactions.
“In financial services, reliability is everything,” said Raffy Montemayor, co-founder of Salmon. “We’ve invested in building a platform that ensures payments are fast, secure, and seamless, whether they happen in-app or at a partner store. Our goal is simple: customers should never have to think twice about whether a payment will go through.”
Unlike standard payment gateways, Salmon’s system uses real-time routing, fallback options, and smart retries to maintain reliability when there are network issues or downtime. Customers can make payments directly in the Salmon app or through partners such as e-wallets, banks, kiosks, and over-the-counter locations.
The platform also supports scan-to-pay and generate-QR features, in line with the Bangko Sentral ng Pilipinas’ push for nationwide digital payments. Safety mechanisms such as duplicate charge prevention, timeout handling, and ISO 20022-certified payment rails are built into the system.
“By owning our payment infrastructure, we can continuously optimize for both customer experience and operational efficiency,” Montemayor said. “This is a core part of how we scale responsibly while keeping trust at the center of our business.”