As part of its commitment to make digital banking more accessible to Filipinos, the Bank of the Philippine Islands (BPI), through its digital wallet VYBE, has partnered with Pay&Go to allow users to cash in for free at over 3,000 kiosks nationwide.
The partnership supports BPI’s broader vision of advancing digital inclusion. Through VYBE, Filipinos—even those without a bank account—can easily sign up and begin their digital financial journey.
“True digital transformation means extending real value to the underserved. Our partnership with Pay&Go brings us closer to communities. By making it easier — and free — to cash in to VYBE, we’re helping more Filipinos participate in the digital economy,” said Alex Seminiano, Chief Technology Officer, BPI.
BPI’s drive for digital inclusion comes at a pivotal moment, as many Filipinos still face barriers to accessing financial services. With challenges such as limited reach, documentary requirements, and trust issues, many remain outside the formal banking system.
VYBE aims to change that—empowering more Filipinos to take the first step in their digital financial journey and experience the benefits of secure, convenient, and inclusive banking. Even without a BPI bank account, VYBE users can enjoy the following features:
• Send and receive money
• Pay bills and buy load
• Earn reward points for eligible transactions
With Pay&Go’s nationwide footprint, even users in remote or underbanked areas can now cash in to their VYBE wallets more conveniently — with no transaction fees.
Whether you’re a student, gig worker, or small business owner, VYBE offers a fast and easy way to go cashless, backed by the security and trust of one of the country’s most established banks.
“Digital banking must serve not only the tech-savvy but also the overlooked. As we expand VYBE’s access through Pay&Go, we are building a more inclusive financial landscape where every Filipino has the tools to move forward,” said Eric Faustino, Head of Digital Partnerships and Ecosystems, BPI.
For more information about VYBE and the Pay&Go cash-in partnership, visit bpi.com.ph/vybe
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At the Manila Tech Summit 2025, Pay&Go stole the spotlight by unveiling a breakthrough feature: integrated cash-out services on its already popular self-service kiosks. With more than 3,000 machines spread across the Philippines, this innovation is being hailed as a giant leap toward true financial inclusion.
But what exactly makes this move such a big deal? Here are eight reasons why Pay&Go’s latest upgrade is set to change how Filipinos handle money.
1. From Simple Kiosks to All-in-One Financial Hubs
What used to be kiosks for bills payment, mobile top-ups, and basic cash-in functions are now transforming into full-scale financial touchpoints. With the addition of cash-out features, Pay&Go machines evolve into mini-banking hubs accessible 24/7. This means Filipinos don’t have to line up at banks or remittance centers for simple transactions—they can withdraw money in seconds through kiosks in malls, convenience stores, and even remote towns.
2. A Direct Answer to the “Unbanked” Challenge
Millions of Filipinos remain unbanked or underbanked because of limited access to physical banking infrastructure. Pay&Go’s innovation flips that challenge on its head by extending cash-out capabilities to areas that lack traditional banks. Instead of requiring people to travel long distances just to withdraw money, the kiosks now bring financial access closer to their homes.
3. Backed by the Biggest Names in Government and Finance
The Manila Tech Summit 2025 wasn’t just any stage. It was graced by President Ferdinand “Bongbong” Marcos Jr., who emphasized the government’s full commitment to digital transformation. Senator Bam Aquino’s keynote also highlighted the importance of laws that promote growth in the digital economy. With support from policymakers and regulators like the Bangko Sentral ng Pilipinas (BSP), Pay&Go’s innovation is poised for widespread adoption with the trust and credibility of national leaders.
4. Strong Interest from Banks Right Out of the Gate
During the live demonstration at the summit, several banks immediately onboarded the new service after testing it firsthand. Others expressed strong interest, signaling that financial institutions clearly see the massive potential of this upgrade. The fast momentum proves that the industry is ready to embrace practical solutions that can expand their reach to more Filipinos—without building new branches.
5. Over 3,000 Kiosks Already in Place Nationwide
One of Pay&Go’s strongest advantages is scale. With a wide network of kiosks already scattered across the country—from bustling Metro Manila to the farthest towns—this innovation doesn’t need years of infrastructure buildup. The groundwork is already there, and the machines are just waiting for the upgrade. That means the benefits of the new cash-out feature could reach Filipinos much faster than any new banking project.
Vivien Lin, Chief Product Officer at @BingXOfficial, explains that this transition is driven by regulatory clarity, growing institutional participation, and the adoption of blockchain infrastructure by financial institutions.https://t.co/9g5IW9X1VA
CEO Dan Ibarra put it best during his panel talk: “True innovation isn’t just about cutting-edge tech; it’s about making fundamental services affordable, efficient, and accessible to every Filipino.” His words underline Pay&Go’s core mission. Unlike many tech firms that focus on high-end urban markets, Pay&Go aims to serve the grassroots population—bringing basic financial access to where it’s needed most.
7. Collaboration is at the Heart of the Mission
Ibarra also emphasized that financial inclusion is not a solo journey. It requires cooperation among government, private companies, and communities. This shared mission ensures that “walang maiiwan”—no Filipino is left behind. By anchoring its strategy on collaboration, Pay&Go is building a sustainable model that others in the fintech industry can follow.
8. Setting the Stage for a More Inclusive Digital Economy
The launch of cash-out services is just the beginning. Pay&Go is already planning to expand and embed this feature across its kiosk network, paving the way for even greater convenience in the future. With the Philippines pushing harder toward a digital-first economy, Pay&Go’s move solidifies its role as a key player in making financial services accessible to all. It isn’t just about technology—it’s about rewriting the financial story of millions of Filipinos.
Final Takeaway The unveiling of Pay&Go’s integrated cash-out services at the Manila Tech Summit 2025 isn’t just another product launch—it’s a milestone for financial inclusion in the Philippines. By turning kiosks into multifunctional banking gateways, the company is closing the gap between owning a financial account and actively using it. Backed by industry leaders, policymakers, and banks, Pay&Go is showing how practical innovation can drive real change in people’s lives.
As the digital economy continues to reshape how Filipinos live, work, and spend, Pay&Go is proving that technology only matters if it uplifts everyone. And with this bold step, it’s clear: the future of finance in the Philippines is not just digital, it’s inclusive.
At the Manila Tech Summit 2025, held at Shangri-La The Fort in BGC, Pay&Go proudly highlighted its latest efforts in promoting digital inclusion. Organized by the Fintech Alliance Philippines, the event themed “Forging a New Global Order: Risks and Opportunities Redefined,” brought together top industry leaders, government officials, and innovators dedicated to shaping the future of fintech and technology in the Philippines.
The summit was graced by President Ferdinand “Bongbong” Marcos Jr., emphasizing the government’s strong commitment to digital transformation and inclusive growth. Senator BamAquino delivered an insightful keynote, titled “Laws that Unlock Growth,” underscoring the vital role of responsive legislation in accelerating the country’s digital economy.
Bringing together key players from fintech firms, tech pioneers, and policymakers—including representatives from the Bangko Sentral ng Pilipinas (BSP)—the event provided a vital platform to explore emerging trends, challenges, and opportunities across the evolving landscape of finance and innovation.
Pay&Go’s Key Milestone: Introduction of Integrated Cash-Out Services
During the summit, Pay&Go introduced and showcased its innovative cash-out services, integrated into its existing self-service payment kiosks. Industry attendees and partners had the exclusive opportunity to experience this game-changing feature firsthand through real-time transactions. The response was overwhelmingly positive—several banks immediately saw the potential and have already onboarded, with many more expressing strong interest in partnering after successfully testing the service. This momentum underscores the powerful impact these cash-out solutions could have in expanding financial access across the country.
This cutting-edge feature has the potential to revolutionize financial accessibility, especially in underserved and remote communities. By transforming existing kiosks into multifunctional touchpoints, Pay&Go aims to elevate them from simple transaction points to vital gateways for banking and financial services in areas where infrastructure is limited.
Building on this exciting progress, Pay&Go will continue to embed and expand this enhancement within its current network of self-service kiosks. These upgraded machines are designed to deliver even greater convenience, accessibility, and efficiency—paving the way for a more inclusive financial landscape for Filipinos nationwide. This development vividly demonstrates Pay&Go’s commitment to practical, scalable solutions that will drive the future of financial inclusion.
Vivien Lin, Chief Product Officer at @BingXOfficial, explains that this transition is driven by regulatory clarity, growing institutional participation, and the adoption of blockchain infrastructure by financial institutions.https://t.co/9g5IW9X1VA
As this new feature gained attention, Pay&Go CEO Dan Ibarra participated in a key panel discussion titled “Unlocking Financial Health for Every Filipino: The Next Frontier in Inclusion,” moderated by Lawrence Ferrer, President & CEO of CIS Bayad Center Inc. The session focused on collaborative strategies to bridge the financial gap and bring essential services closer to every Filipino.
“As we discuss risks and opportunities on a global stage, we remain grounded in our core mission here at home: We provide access to the grassroots population for their basic needs in financial inclusion,” said Ibarra.
“Self-service kiosks are increasingly visible in rural areas, proof that Filipinos want access to financial services. With over 3,000 machines nationwide, from urban centers to the most remote towns, we’re helping bridge the gap between owning an account and actively using it. Because true innovation isn’t just about cutting-edge tech; it’s about making fundamental services affordable, efficient, and accessible to every Filipino, wherever they may be.”
“… And this is not a solo effort. Financial inclusion is a shared mission—one that demands collaboration among government, private sector, and community stakeholders to ensure that walang maiiwan—no one is left behind,” as Ibarra closed the discussion.
Pay&Go’s prominent presence at the Manila Tech Summit 2025 reaffirms its unwavering dedication to fostering a more inclusive digital economy. By working hand-in-hand with public and private partners, the company is committed to turning this vision into reality—bringing financial access to every corner of the Philippines.
About Pay&Go
Pay&Go is a leading self-service payment kiosk operator that offers a variety of services including cash-in, bills payment, mobile phone top-ups, and soon, cash-out services. With over 3,000 kiosks strategically placed nationwide, it enables communities have access to financial transactions. Pay&Go continues to push the boundaries of accessible and inclusive financial technology, making its cash-to-digital services available to more Filipinos.
The Manila Tech Summit 2025 was more than just a gathering of fintech leaders and policymakers—it became the stage for Pay&Go to introduce a breakthrough that could redefine financial access in the Philippines.
Held at Shangri-La The Fort in Bonifacio Global City last August 26–27, the event brought together global and local tech visionaries, government leaders, and industry movers. At the heart of the summit was one question: How do we build a digital economy that leaves no Filipino behind?
Pay&Go answered with an innovation that goes beyond convenience. It’s about financial inclusion, empowerment, and accessibility for millions.
Here’s what stood out.
1. Manila Tech Summit 2025 Set the Stage for Bold Innovation
With the theme “Forging a New Global Order: Risks and Opportunities Redefined,” the summit was designed as a space for cross-sector collaboration. Organized by Fintech Alliance Philippines, the event wasn’t just about future trends—it was about solutions Filipinos need today.
Attendees ranged from the Bangko Sentral ng Pilipinas (BSP) to emerging tech pioneers, signaling a serious push to align innovation with governance.
2. National Leaders Backed Digital Transformation
The presence of President Ferdinand “Bongbong” Marcos Jr. and Senator Bam Aquino underscored the government’s commitment to digital growth. Marcos highlighted the administration’s drive toward inclusive technology adoption, while Aquino’s keynote “Laws that Unlock Growth” pointed to the critical role of legislation in accelerating fintech innovation.
This high-level support provided the perfect backdrop for Pay&Go’s announcement.
3. Pay&Go Unveiled a Cash-Out Service Like No Other
The headline moment came when Pay&Go revealed its integrated cash-out function across its self-service kiosks. Until now, kiosks were mainly used for payments, reloading, and cash-in transactions. The new feature turns these machines into gateways where users can directly withdraw money, a service typically restricted to ATMs or banks.
Demonstrations at the summit allowed attendees to try real-time transactions, drawing an overwhelmingly positive response.
4. Banks Are Already Onboard—and More Are Lining Up
One of the strongest signs of confidence came from banks themselves. Several institutions signed up immediately after testing the new system, while many more expressed strong interest in joining the rollout. Their enthusiasm shows how much demand there is for a service that bridges cash and digital ecosystems seamlessly.
For Filipinos, this means more accessible banking touchpoints nationwide.
Vivien Lin, Chief Product Officer at @BingXOfficial, explains that this transition is driven by regulatory clarity, growing institutional participation, and the adoption of blockchain infrastructure by financial institutions.https://t.co/9g5IW9X1VA
The innovation isn’t just about convenience in cities—it’s about access in underserved areas. Many rural towns don’t have enough bank branches or ATMs, making financial services a challenge. By upgrading its 3,000-plus kiosks into multifunctional hubs, Pay&Go is ensuring that even communities with limited infrastructure can enjoy essential services.
The new feature represents a direct response to the call for inclusivity in the country’s financial system.
6. A Panel on Financial Health Cemented Pay&Go’s Mission
CEO Dan Ibarra joined the panel “Unlocking Financial Health for Every Filipino: The Next Frontier in Inclusion” to explain how the company envisions the future. His message was clear: technology must go beyond innovation and focus on affordability, accessibility, and efficiency.
Ibarra emphasized that kiosks in remote towns are already proof of the demand for financial services, and Pay&Go is working to bridge the gap between account ownership and actual account usage.
7. Collaboration Is the Key to “Walang Maiiwan”
Ibarra’s closing remarks summed up the spirit of the summit: financial inclusion cannot be achieved alone. It requires government action, private sector support, and community-level collaboration. His rallying call of “walang maiiwan”—no one is left behind—resonated strongly with the summit’s theme.
It reflects Pay&Go’s belief that digital inclusion is a shared responsibility and a national mission.
8. What’s Next for Pay&Go and Filipinos Nationwide
With its cash-out service now part of its expanding kiosk network, Pay&Go is set to roll out the feature across the Philippines. From major cities to far-flung towns, these kiosks will transform into all-in-one financial access points. By embedding cash-out functionality alongside bills payment, mobile top-ups, and cash-in services, Pay&Go is positioning itself as a vital player in democratizing financial technology.
For Filipinos, this means fewer barriers, more choices, and greater financial empowerment.
Pay&Go’s unveiling at the Manila Tech Summit 2025 wasn’t just about introducing a new feature—it was about reshaping how Filipinos interact with money. By converting ordinary kiosks into powerful financial lifelines, the company is tackling the challenge of inclusion head-on. With strong backing from government leaders, enthusiastic support from banks, and a vision rooted in accessibility, Pay&Go is making sure the digital economy works for every Filipino, not just a few.
At the Manila Tech Summit 2025, held last August 26-27 at Shangri-La The Fort in BGC, Pay&Go proudly highlighted its latest efforts in promoting digital inclusion.
Organized by the Fintech Alliance Philippines, the event themed “Forging a New Global Order: Risks and Opportunities Redefined,” brought together top industry leaders, government officials, and innovators dedicated to shaping the future of fintech and technology in the Philippines.
The summit was graced by President Ferdinand “Bongbong” Marcos Jr., emphasizing the government’s strong commitment to digital transformation and inclusive growth. Senator Bam Aquino delivered an insightful keynote, titled “Laws that Unlock Growth,” underscoring the vital role of responsive legislation in accelerating the country’s digital economy.
Bringing together key players from fintech firms, tech pioneers, and policymakers—including representatives from the Bangko Sentral ng Pilipinas (BSP)—the event provided a vital platform to explore emerging trends, challenges, and opportunities across the evolving landscape of finance and innovation.
Pay&Go’s Key Milestone: Introduction of Integrated Cash-Out Services
During the summit, Pay&Go introduced and showcased its innovative cash-out services, integrated into its existing self-service payment kiosks. Industry attendees and partners had the exclusive opportunity to experience this game-changing feature firsthand through real-time transactions.
The response was overwhelmingly positive—several banks immediately saw the potential and have already onboarded, with many more expressing strong interest in partnering after successfully testing the service. This momentum underscores the powerful impact these cash-out solutions could have in expanding financial access across the country.
Vivien Lin, Chief Product Officer at @BingXOfficial, explains that this transition is driven by regulatory clarity, growing institutional participation, and the adoption of blockchain infrastructure by financial institutions.https://t.co/9g5IW9X1VA
This cutting-edge feature has the potential to revolutionize financial accessibility, especially in underserved and remote communities. By transforming existing kiosks into multifunctional touchpoints, Pay&Go aims to elevate them from simple transaction points to vital gateways for banking and financial services in areas where infrastructure is limited.
Building on this exciting progress, Pay&Go will continue to embed and expand this enhancement within its current network of self-service kiosks. These upgraded machines are designed to deliver even greater convenience, accessibility, and efficiency—paving the way for a more inclusive financial landscape for Filipinos nationwide. This development vividly demonstrates Pay&Go’s commitment to practical, scalable solutions that will drive the future of financial inclusion.
Transforming Innovation to Inclusion
As this new feature gained attention, Pay&Go CEO Dan Ibarra participated in a key panel discussion titled “Unlocking Financial Health for Every Filipino: The Next Frontier in Inclusion,” moderated by Lawrence Ferrer, President & CEO of CIS Bayad Center Inc. The session focused on collaborative strategies to bridge the financial gap and bring essential services closer to every Filipino.
“As we discuss risks and opportunities on a global stage, we remain grounded in our core mission here at home: We provide access to the grassroots population for their basic needs in financial inclusion,” said Ibarra.
“Self-service kiosks are increasingly visible in rural areas, proof that Filipinos want access to financial services. With over 3,000 machines nationwide, from urban centers to the most remote towns, we’re helping bridge the gap between owning an account and actively using it. Because true innovation isn’t just about cutting-edge tech; it’s about making fundamental services affordable, efficient, and accessible to every Filipino, wherever they may be.”
“… And this is not a solo effort. Financial inclusion is a shared mission—one that demands collaboration among government, private sector, and community stakeholders to ensure that walang maiiwan—no one is left behind,” as Ibarra closed the discussion.
Pay&Go’s prominent presence at the Manila Tech Summit 2025 reaffirms its unwavering dedication to fostering a more inclusive digital economy. By working hand-in-hand with public and private partners, the company is committed to turning this vision into reality—bringing financial access to every corner of the Philippines.
About Pay&Go
Pay&Go is a leading self-service payment kiosk operator that offers a variety of services including cash-in, bills payment, mobile phone top-ups, and soon, cash-out services. With over 3,000 kiosks strategically placed nationwide, it enables communities have access to financial transactions. Pay&Go continues to push the boundaries of accessible and inclusive financial technology, making its cash-to-digital services available to more Filipinos.
