[team]

Direct Online Banking & QR Ph payments

Payment infrastructure moving ~₱10M a month through major Philippine banks, plus the first QR Ph implementation.

PayMongo payment methods section with cards for e-wallets, debit and credit cards, QR Ph, Direct Online Banking with BPI, UnionBank, BDO, Metrobank and Landbank, and Buy Now Pay Later — PayMongo's payment methods today (captured November 2026). Direct Online Banking with BPI and UnionBank, and QR Ph, are the payment rails I worked on with the team.

PayMongo QR Ph product page with a scan-to-pay QR code and logos of the banks and e-wallets that accept it — PayMongo's QR Ph product page. I led the initial QR Ph implementation in 2023; the product has grown since.

Context

PayMongo is a Philippine payments company. Its Direct Online Banking (DOB) product lets customers pay merchants straight from their bank accounts.

Problem

DOB sits on a business-critical, high-volume payment path, so every bank integration has to be correct and reliable. The company also needed to support QR Ph, the national QR payment standard, to expand its payment rails.

What I did

Built and maintained the DOB payment services, including integrations with BPI and UnionBank.
As Interim Technical Lead, owned technical design and architecture decisions for the DOB infrastructure.
Spearheaded the initial implementation of QR Ph payment processing.
Worked with engineers, product managers and stakeholders to take payment features from architecture through launch.
Mentored junior engineers and set code review and testing standards for the team.

Impact

DOB infrastructure supporting ~₱10 million in monthly payment volume.
QR Ph added as a new supported payment rail.
Improved reliability of the backend services on the payment path.