A loan book is two money flows and one ledger. Principal goes out, repayments come back, and every peso has to match a loan.
The rails decide how fast the first flow lands. Your collection methods decide how reliably the second one returns. The ledger decides whether you can prove either. This is the build path for fintechs and lenders.
Getting principal to the borrower
| The rail | When to use it |
|---|---|
InstaPay Real time, 24/7. ₱50,000 per transfer on TNKR today. | Small loans the borrower needs now, including nights and weekends. |
PESONet Batch clearing three times a banking day. Up to ₱10 million per transfer on TNKR. | Larger loans, and releases that can land the same banking day. |
Wallet-to-wallet An instant move between accounts on TNKR, with no interbank limit. | Borrowers who hold a wallet inside your product. |
Release a whole cohort at once. A batch carries up to 1,000 transfers, all on one rail. See Payouts
Put the loan ID in each transfer’s metadata. It is the key you will reconcile every repayment against.
Getting repayments back
| The method | What it suits |
|---|---|
Recurring charge A scheduled charge on the borrower’s Visa or Mastercard, or Maya. | Fixed instalments on a calendar. |
Payment link A checkout link tied to one instalment, sent by SMS or email. | Borrowers who pay when reminded. |
QR Ph A code the borrower scans from any participating bank or e-wallet. It settles through InstaPay. | Borrowers without cards, which is most of them. |
Direct debit Direct Debit PH launched on 29 July 2026. Borrowers authorise billers to collect on due dates. | Borrowers on a fixed schedule who can authorise collection in advance. |
Offer more than one method. A failed card charge should fall back to a link or a QR code, not to a collections call. See Payments
The rules that shape collection
Disclose before you disburse. The Truth in Lending Act requires the amount financed and the finance charge in pesos, plus a simple annual rate.
Collect within the lines. SEC rules for lending and financing companies ban harassment and contacting people in a borrower’s phone book. They also bar calls before 6:00 a.m. or after 10:00 p.m., unless the borrower consented or is over 15 days past due.
Online platforms are open again. The SEC lifted its moratorium on new online lending platforms from 1 August 2026, with new disclosure and capital rules.
Where reconciliation breaks
Most breaks are matching problems. A repayment arrives without the loan ID, or two instalments land in one transfer.
Fix it at the source. Carry the loan ID on every disbursement and every collection. Post both to one double-entry ledger, so each loan’s balance is the sum of its entries. See Ledgers
Lending on TNKR
Lending as a Service is live on TNKR. It runs on the same ledger as your payouts and collections. See Lending
Scheduling and routing between these steps can run in Workflows, which is in early access. See Workflows
Talk to an expert — tell us your loan sizes and repayment terms. Read documentation — see the batch transfer and subscription endpoints.
Frequently asked questions
Originally published