Salmon has completed the rollout of its in-house payment orchestration platform to support its lending and savings products. The fintech company built the system to deliver speed, resilience, and scale, ensuring 99.9% uptime and a 99% QR Ph payments success rate. The platform powers loan repayments, deposits, and transfers while maintaining seamless connections with banks, e-wallets, and payment providers.
Unlike standard gateways, Salmon’s system uses real-time routing, automatic fallbacks, and smart retries. This setup allows payments to push through even during downtime or errors, giving customers a worry-free experience. Features like auto-debit with reminders, duplicate charge prevention, timeout handling, and ISO 20022-certified payment rails strengthen reliability and security.
As an early adopter of QR Ph, Salmon supports both scan-to-pay and generate-QR options in-app, aligning with the BSP’s digitalization goals. Customers can transact via the Salmon app, e-wallets, banks, kiosks, and over-the-counter partners, with payments auto-reconciled to the right accounts.
“Reliability is everything in financial services,” said Raffy Montemayor, co-founder of Salmon. “Our platform ensures payments are fast, secure, and seamless, whether in-app or at partner stores.”
The upgraded system strengthens repayment performance, improves user trust, and keeps Salmon positioned for future innovations in financial services. With this platform, the company advances its mission to deliver inclusive and reliable tools for the emerging middle class.
