Fintech-as-a-Service
Gaggee.app manages 125 tenants and 551 sub-tenants across Philippine resort and farm-stay properties. NextAPI is the financial engine that automates the payouts, collections, and fee splits your growing ecosystem now requires.
Every platform you build eventually needs to collect or send money. But payment infrastructure is not your core business — and it shouldn't be.
Getting a Bangko Sentral ng Pilipinas license to operate payment services takes over a year — and costs millions.
Each bank has its own API, certification process, and maintenance burden. Supporting all major banks means years of work.
Compliance workflows, KYB for every merchant, reconciliation systems, settlement logic — the hidden costs add up fast.
You're a software company, not a payment company.
The Platform
One API that handles both collecting and sending money, with full multi-merchant management and real-time reconciliation. Your platform, our payment rails.
Platform Hierarchy
3-level hierarchy: Partner > Merchant > Account — unlimited merchants, no per-merchant fees
One API. Both directions. Full reconciliation.
Use Cases
Every software product you build for Philippine businesses can have embedded payments. Here's what that looks like.
Every property in Gaggee's network needs to accept QR Ph payments from guests — for bookings, deposits, add-ons, and laundry fees. Instead of redirecting guests to GCash or Maya outside your platform, NextAPI embeds QR Ph collection directly into Gaggee's custom billing interface. Each tenant gets its own collection point. Payments trigger webhooks that update booking status in real time, feeding your AI summarization and speech-to-text workflows automatically.
Gaggee already offers 'Custom Billing' across all three subscription tiers — but billing that doesn't move money is just a ledger. NextAPI adds the financial layer: virtual collection accounts per booking, QR Ph codes per guest, automatic reconciliation when payment lands, and webhook confirmations back to Gaggee. Security deposits, split payments, and multi-channel collections are handled without manual bank statement checks. Enterprise tenants at ₱14,999/month get the financial reporting infrastructure to match their subscription tier.
With 551 sub-tenants — individual operators, cleaning crews, catering vendors, and specialized service providers — Gaggee needs to split and disburse funds after every completed booking. Manual or semi-automated disbursement breaks past 50 recipients. NextAPI handles the full flow: booking revenue collected via QR Ph, fee splits applied automatically per your rules, and payouts disbursed to each sub-tenant's bank or e-wallet via InstaPay in real time. Webhook confirmations close the loop so your platform knows the instant every payout lands.
Beyond guest-facing payments, Gaggee's primary tenants need to pay ground staff — housekeeping, maintenance, and farm workers — across different banks and wallets on regular cycles. NextAPI supports bulk disbursement to any Philippine bank or e-wallet via a single API call or batch upload. Whether tenants pay weekly or per-shift, the system routes each payout through the cheapest available rail and confirms delivery with per-recipient webhooks. No more days spent on manual bank transfers before the next check-in.
See how NextAPI compares against the alternatives your clients are evaluating.
| Feature | NextAPI | XenPlatform | PayMongo | Build Your Own |
|---|---|---|---|---|
| Per-merchant fee | None | P85/mo each | Not platform-ready | N/A |
| Hierarchy depth | 3 levels | 2 levels | 2 levels | Custom |
| Money-In + Out | Yes | Yes | Partial | Custom |
| BSP license needed | No | No | No | Yes (12+ mo) |
| Time to integrate | Weeks | Weeks | Weeks | 12+ months |
| Fee splitting | Automatic | 0.5% fee | Manual | Custom |
| Merchant approval | Fast | Standard | 14 biz days | N/A |
* Comparison based on publicly available information as of March 2026.
The Partner Model
Built for property management platforms expanding into multi-tenant financial operations — without building a payment company from scratch.
Your engineering team learns NextAPI once. Our sandbox lets you test with simulated payments before touching real money.
Every client project — POS, HRIS, e-commerce, billing — can embed payments using the same integration patterns.
Charge integration fees per client project. Plus earn recurring revenue share on every transaction processed through your integrations.
White-label experience. Your clients see their own merchant dashboard, manage their own transactions. You stay in control.
Integration fee per client project
Revenue share on transaction fees — recurring, foreverRate varies by volume
Merchants per client — no per-merchant fees
A regional digital payment network with 1,800+ physical endpoints needed to collect from walk-up customers and automatically disburse to hundreds of independent operators — without per-endpoint fees eating into margins. After integrating NextAPI, they went live with a full two-sided money flow: QR Ph collection at every machine, automated operator settlements via InstaPay, and supplier payouts via PESONet. Zero per-account fees. One integration covering both sides. Monthly GTV scaled past ₱200M. The same hierarchy — Network Owner → Operator → Endpoint — maps directly to Gaggee's Platform → Tenant → Sub-Tenant structure.
Traction
Monthly GTV (Jan 2026)
Cumulative Volume
Transactions Processed
Active Merchants
Active Platform Integrations
NPLs on P83M+ Lending Book
Silver Winner, CX Excellence
KMC Startup Awards 2025
Getting Started
We learn about your clients and map the right integration path.
Full test environment with simulated payments. Your devs can start building today.
Your team integrates NextAPI using our docs and developer support.
Our fastest partner completed their technical integration in just 2 weeks.
Launch with a real client on a small scale. Validate the full flow.
Scale to all clients. Onboard new merchants continuously.
Explore endpoints, test requests, and see response schemas — all in the browser.
You've scaled to 125 tenants and 551 sub-tenants. The next bottleneck isn't bookings — it's money movement. Let's talk about embedding automated collections and disbursements directly into Gaggee before manual processes become the ceiling on your growth.