The difference, itemized
Eight things that change the day you switch.
Most bills payment networks were built to hold your money, then pass it on. Baiyarin was built to hand it over — immediately.
| Item | The usual way | With Baiyarin |
|---|---|---|
| Pre-funding for agents & partners | Deposit a float first. Top it up when it runs dry. | None. Every payment is funded as it's made. |
| When you get your money | After a remittance cycle — often days. | Real time, as each payment lands. |
| Where it lands | The network's account first, then yours. | Straight to your bank or wallet — per bill item if you like. |
| Getting connected | An integration project on someone else's schedule. | Open sandbox, self-run tests, go live from your portal. |
| Mistyped account numbers | Found later, at reconciliation. | Stopped at the counter by check digit. |
| What it really costs | The fee, plus cash on hold, plus days of waiting. | A lower MDR. No cash on hold. No waiting. |
| Paying from the bill itself | The customer keys in the account number somewhere. | A QR Ph code on every statement. Scan, done. |
| Seeing it all | Files and reports from different places. | One Baiyarin portal — payments, settlement, reconciliation. |
Real-time settlement
Your money, in your account. Right away.
Each payment settles the moment it's made — to your bank account or your Traxion wallet. You pick. Change it any time.
Collect for more than one thing? Send each bill item to its own account. Water bills to operations, connection fees to capital, penalties to a separate book.
- Direct to any bank account or Traxion wallet
- A different destination for every bill item
- Nothing parked with a middleman
For agents & distribution partners
More places to pay. No float to fund.
Rural banks, cooperatives, stores and partner apps can collect for you from day one. They don't park cash with anyone first.
Each payment is funded as it's made — through QR Ph, InstaPay, or the partner's own wallet. So a partner never stops collecting because a deposit ran out.
- No upfront deposit to start collecting
- No top-ups, no Saturday-night float outages
- Partners earn on every payment they take
Pre-funding required
Asked of your agents and channel partners — before their first payment, or ever.
Lower MDR · cost of money · cost of waiting
The fee is only one of three costs.
Compare rates and you see one number. Your books see three. Baiyarin brings all three down.
Cost 1
MDR
The fee taken from every payment you collect.
Lower, because we don't live off your float.
Cost 2
Cost of money
What your cash would earn — or save you in interest — if it were already in your account.
Zero. Your cash is never held.
Cost 3
Cost of waiting
Days you can't use money your customers already paid. And the calls from customers who say, "But I already paid."
Gone. Paid means posted and settled.
What is waiting costing you?
Example figures. Change them to yours.
- Your collections, per year
- ₱0
- Cost of waiting, per year
- ₱0
- Every 0.1% off your MDR saves, per year
- ₱0
Cash in transit = yearly collections ÷ 365 × days waiting. Cost of waiting = cash in transit × your cost of money.
QR Ph on every billing statement
Every bill becomes a payment counter.
Baiyarin generates a QR code for each statement you issue. Your customer pays straight from the bill — no line, no account number to type, nothing to get wrong.
A code on every statement
Each code carries the account number and amount due. Print it on paper bills or put it in e-mailed statements.
Scan
Pay from any app
Any bank or e-wallet app that reads QR Ph can pay it. The customer confirms the amount. That's it.
Settled
Posted and paid out
The payment is matched to the right account and settled to you in real time. No manual matching.
Sandbox · self go-live
Build it yourself. Go live yourself.
Get sandbox keys the day you sign up. Test every case on your own time. When you're ready, the path to live is right there in your portal — four clear steps, no waiting on a project team.
- Sign up, get sandbox keysInstant. No sales call needed.
- Run the test suiteEvery case, run by you, results saved.
- Verify your business & signUpload documents, accept the fee schedule online.
- Switch to liveSame code, live keys. Start collecting.
POST /v1/collections/validate { "productId": "prd_water", "reference": "0412-34567-3" } // 200 OK { "accountName": "CRUZ, MARIA L.", "amountDue": 124800, // centavos "checkDigit": "valid" }
Check digit integration
A typo never reaches your books.
The last digit of an account number is worked out from the others. Mistype one digit or swap two, and the math stops adding up. Baiyarin catches it at the counter — before any money moves.
Use your own scheme: mod-11, mod-97, Verhoeff or Luhn.