Salmon, a financial technology company focused on responsible innovation and financial inclusion, has completed the development and launch of its proprietary payment orchestration platform. This in-house system now powers all transactions across Salmon’s lending and savings products, designed with speed, resilience, and scalability in mind. The platform delivers 99.9 percent uptime, a 99 percent QR Ph payments success rate, and consistent customer satisfaction, supported by Salmon’s 4.8 rating in the App Store with over 15,000 reviews and in Google Play with more than 56,000 reviews.
Proprietary AI-Powered Payment Infrastructure
The AI-powered payment backbone manages transactions within Salmon’s ecosystem, including loan repayments, deposits, and fund transfers. It connects seamlessly with a broad network of banks, e-wallets, and payment providers in the Philippines. Unlike a standard payment gateway, Salmon’s system employs real-time routing, automatic fallbacks, and smart retries. This ensures uninterrupted service even during network disruptions or downtime. Customers experience payments that “just work,” with no need to retry transactions or wait for resolution.
“In financial services, reliability is everything,” said Raffy Montemayor, Co-Founder of Salmon. “We’ve invested in building a platform that ensures payments are fast, secure, and seamless, whether they happen in-app or at a partner store. Our goal is simple: customers should never have to think twice about whether a payment will go through.”
Enhanced Reliability and Customer Experience
Key features of the platform include real-time routing with automatic fallback, which allows the system to instantly switch to alternative providers if downtime or errors occur. The platform’s auto-debit capability is paired with advance reminders and multiple payment attempts. These features reduce missed payments and keep customers updated at every stage.
Salmon has also been an early adopter of QR Ph in the Philippines, offering both scan-to-pay and generate-QR features within its app. This aligns with the Bangko Sentral ng Pilipinas’ efforts to drive nationwide payment digitalization. QR Ph integration has contributed to strong repeat usage among customers, further boosting engagement and trust.
Robust Safety and Compliance Measures
The platform incorporates payment safety mechanisms that ensure secure and accurate transactions. These include duplicate charge prevention, timeout handling, and the use of ISO 20022-certified payment rails. By adhering to these standards, Salmon ensures data quality and reliability across all payment channels.
Customers can make payments through the Salmon app or external partners such as e-wallets, banks, kiosks, and over-the-counter locations. Each transaction is automatically reconciled to the correct account, creating a seamless and worry-free process for users.
Building Trust Through Real-Time Performance
With its focus on real-time posting, resilience, and strong security measures, the payment platform enhances repayment performance and strengthens customer trust. These elements are critical as Salmon continues to expand in the Philippines. The company’s commitment to reliable infrastructure helps support its growth while maintaining transparency and accountability in its operations.
“By owning our payment infrastructure, we can continuously optimize for both customer experience and operational efficiency,” Montemayor added. “This is a core part of how we scale responsibly while keeping trust at the center of our business.”
Foundation for Future Innovation
The launch of Salmon’s in-house payment orchestration platform represents more than a technological upgrade. It provides a foundation for the company’s future innovations in financial services. By enabling faster, safer, and more convenient transactions, Salmon is advancing its mission to deliver inclusive, transparent, and dependable financial tools for the emerging middle class.
As the company strengthens its payment backbone, customers gain access to financial services that are not only reliable but also designed to support their everyday needs. With trust, resilience, and innovation at its core, Salmon continues to scale its offerings while reinforcing its position as a leading financial technology company in the Philippines.
