UBX is a fintech company passionate about creating

opportunities and access for all by building solutions

for financial institutions and MSMEs.

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SME Enablement & Payment Solutions
Focus on your business, we've got your payments covered.

BEST DIGITAL PAYMENT FACILITATOR

IN THE PHILIPPINES IN 2021
Global Brand Magazine Powered by
SME focused end-to-end
payment built for merchants
of all sizes to accept all forms
of payments. We help
businesses scale with better
solutions and partnerships.
BEFORE... AFTER
FRAGMENTED PAYMENT EXPERIENCE SEAMLESS PAYMENT EXPERIENCE

MULTIPLE DASHBOARDS, APPS, ONLINE BANKING, OTC, E-WALLETS DIRECT

PROVIDERS AND PROCESSES DEBIT, BUY/STUDY NOW PAY LATER
 EMBRACING THE DIGITAL REVOLUTION

EMBEDDED PAYMENTS BATCH INVOICING

No matter the size of your Easily send invoices individually
business, with or without a or in bulk, giving you more time
website, we’ve got you covered. to focus on your business.

ECOMMERCE PLUGINS FASTER SETTLEMENTS

We have ready-made plugins Get your money faster with our
for WooCommerce, Shopify, frequent, automated settlements,
Prestashop and others. as fast as next day!

LOWEST FEES IN THE MARKET BUY NOW PAY LATER OPTIONS

For most channels, we provide the lowest fees in the Provides access to installment payments for
market giving you more revenue per transaction. Travel, Food, Education, Appliances, and more!
PROVIDING A SUPERIOR CUSTOMER EXPERIENCE

API IS KEY PAYMENT LINKS & QR

Integrate into your website, Post or share on your online
mobile app, or other digital app. sites, messaging platforms
Our API is developer friendly. social media, and counters.

REAL-TIME UPDATES EASY RECONCILIATION

Process orders faster, no need to All transactions, settlements,
wait for “Payment Receipt” with and payments are visible
our real-time status updates. in a single dashboard.

NO WEBSITE, NO PROBLEM NEED A WEBSITE? WE GOT SENTRO

You can accept payments from Marketplaces, Online Need a website to sell your products? Our
Groups, SMS, Email, etc via payment links. payments are fully integrated with Sentro.ph
MULTI-WALLET
MANAGEMENT
Build your Own eWallet Ecosystem
- Co-branded Master/Sub-wallets Platform
- Full KYC & Onboarding Management
- Easy Top-ups, Payments & Wallet Transfers
- Automated Payouts (Master/Sub-wallets)
- Balance Checks (Master/Sub-wallets)
- Closed Loop Transfers
(Master → Sub → Master)
- Payment Requests to Sub-wallets
- Fully Customizable Modules
Have a Franchise Business or Multi-location
Business? Manage them and others more
efficiently by setting up a Sub-wallet per
branch/store.
CO-BRANDED
E-WALLET ECOSYSTEM

Integrate the full Multi-wallet into

your existing ecosystem, or use our
Bux web pages with your own
branding (logo, name, etc).

Create Sub-wallets directly from

your Bux dashboard individually, via
Batch, or API. Create Sub-wallets
only if you need them, only you can
trigger new Sub-wallets.
CO-BRANDED SUB-WALLETS
Want to make the Multi-wallet experience more personal? Customize
your Login, Dashboard, and Payment Links with your branding.
KYC / eKYC FOR
SUB-WALLETS
All Sub-wallets will be required to
submit their KYC via the dashboard
or API, this ensures security and
allows automated collections and
disbursements in compliance with
BSP.

No need to manually verify all of the

documents, our Bux team will verify
all KYC submissions.
EASY TOP-UPS, PAYMENTS
& WALLET TRANSFERS
Master & Sub-wallets can cash-in directly
to their wallet, or the Master-wallet can
transfer money to a Sub-wallet.

Sub-wallets can also transfer money to

the Master-wallet, making it easy to
collect from branches/franchisees.

The Master-wallet can easily see how

much the total Sub-wallet balance is.
MULTI-WALLET MONEY TRANSFERS
With just a few clicks, you can transfer amounts to multiple Sub-wallets
at the same time, making it easier to disburse to your network. This is
also possible via our Multi-wallet API.
 PRINT & DISPLAY
YOUR QR CODE
The Universal QR Codes allows
Sub-wallets to have a single QR code
that unifies all types of payments for
Retail Stores, Kiosks, Restaurants, or
even your Social Media Pages.

Print and display your very own QR

code in-store and online!
AUTOMATED PAYOUTS
(MASTER / SUB-WALLETS)
Don’t worry about getting your
funds, we automate payouts for
Master-wallets. By default, it is set
to manual so that you can keep
your Master-wallet funded for
Sub-wallet disbursements.

For Sub-wallets, you can disable

payouts so that all funds go
through the Master-wallet, or
enable manual payouts.
BALANCE CHECKING
(MASTER / SUB-WALLETS)
Have full transparency across all of
your Sub-wallets. Sub-wallet
balances are visible real-time in the
Master-wallet dashboard.

With this feature, you have visibility of

balances for your entire closed wallet
ecosystem.

Sub-wallets can see their balance but

cannot see balances for the Master
or other Sub-wallets.
CLOSED LOOP TRANSFERS
Transfer money to Sub-wallets or have your Sub-wallets
transfer money to the Master-wallet, with ease.

Master-wallet to Sub-wallet Sub-wallet to Master-wallet

FULLY CUSTOMIZABLE
MODULES VIA API
Want to build out the Multi-wallet
according to your own experience
and design? Use our robust API
and customize all of the
Multi-wallet modules.

Check out our developers portal

developers.bux.ph

Need help? Let us know.

PAYMENT REQUESTS
TO SUB-WALLETS
Need to request payments from
franchisees or sub-branches? Send
the Sub-wallet a payment request via
the Master-wallet dashboard.

Just like a direct debit from an eWallet

or Bank Account, it’s that easy.

Once they receive the request, they’ll

need to authorize the payment via
OTP.
DEVELOPER FRIENDLY
API INTEGRATION
Merchants can easily integrate Bux
via API to personalize the payment
experience for their customers.

- Notice to Pay via API

- Multi-Wallet Management
- Personalized Checkout Page
- Embedded Payments
- Payment Options by Category
- Preselected Channels at Checkout
- Recurring and Subscription Payments
- Integration to your Existing Platform
MANUAL or AUTO-SWEEP

EP
FUND SETTLEMENTS

SWE
AY
1 D NT

O
By default, the Master-wallet fund

AUT
settlements are manual so that you can
M E
E
control when funds are settled. You can
T TL
also opt to have auto-settlements. SE
No need for manual intervention, get your
funds from Bux automatically in your
designated settlement account.

On average, we have at least 4

settlements per week*.

*3-4 Business Days for Card Payments

MULTI-WALLET
PRICING
The pricing for the Multi-wallet is
simple. We only charge per transfer.

Transfers:
- Master to Sub → Php 10
- Sub to Master → Php 10

Cash-in fees use our standard fees

(see graph for details)

Need to cash-in large amounts?

Let us know, we’re here to help!
2022 PIPELINE FEATURES
We are focused on building features that provide value.
Access these features during our Pilot Phase!

Peer-To-Peer Bux Wallet Transfers

eKYC for Auto-verification Bux Certified Transaction Records

Bux Credit Scoring iOS/Android App

 NO SET-UP FEE
Unlike others, getting started
with Bux costs you nothing.

NO LONG-TERM NO MINIMUM VOLUME

There is no minimum volume required
when you sign up as a Bux Merchant.
COMMITMENTS
NO COST TO JOIN NO MAINTENANCE FEE
No maintenance fees or other hidden
charges, we’re here to help you.

NEED INTEGRATION ASSISTANCE?

We can assist with any technical needs that you may have. Our
team of integration specialists can help you. Just let us know.
USE CASES
USE CASE #1
Problem: An online marketplace (multi-vendor store/platform) has over 40 vendors on their platform/eCommerce store and all payments, regardless
of vendor, go through the marketplace administration team. Currently, all payments from all vendors are deposited into a single account then the
accounting team manually checks, verifies, and dispurses to the vendor’s bank account after they take the commission and fees out.

Solution: Integrate the Bux Multi-wallet API into their marketplace where each vendor has a sub-wallet. Every time there’s a successful payment, the
commission is automatically transferred to the master-wallet and the rest of the amount (less fees) is transferred to the sub-wallet (vendor wallet).

Feature: Bux Multi-wallet (Master - Sub-wallets) ~ Automated Marketplace Disbursements

Each Vendor will have their

Marketplace Admin will own Sub-wallet tagged to Marketplace Admin will
have a Master-wallet which their store so that, at receive the commission
will then create the vendor checkout, fees are split directly in the
Sub-wallets Master-wallet

Marketplace Vendor will

As soon as the payment receive the earnings
is successful, the minus fees directly in
marketplace vendor can their Sub-wallet
process the order

All Sub-wallet transactions

and values will be visible
by the Master-wallet
USE CASE #2
Problem: Businesses want to automate employee payroll via a closed ecosystem so that they can have all incoming and outgoing payments and
funds in one place but there are not many options on the market.

Solution: Businesses can create their own closed wallet ecosystem where they can accept payments from clients and disbursement salaries to their
employees each payroll. This allows businesses to save time (faster disbursements) and money (cheaper disbursements).

Feature: Bux Multi-wallet (Master - Sub-wallets) ~ Automated Payroll Disbursements

The employees can easily

Business Owner/HR Team cash-out to any local bank
has a Master-wallet to fund that is supported by
all employee salaries InstaPay/PESONet

Business Owner/HR Team

integrates their Payroll
system into Bux for
automated payouts

All employees have a Bux

Sub-wallet where they’ll
receive their monthly
payroll
USE CASE #3
Problem: Insurance, Real Estate, and other industries want to automate their commissions, and disburse them faster to their agents. Unfortunately,
due to the fact that payments usually go through the agents (in many cases), the agent force usually remits the payments at a head office or via a
bank transfer/deposit (cash payments).

Solution: Agents can easily receive payments via OTC (cash), Online Banking, Credit/Debit Cards, and eWallets via their Sub-wallet. Since this is
managed by a Master-wallet, the commission for a specific transaction can be automatically transferred to the Sub-wallet and the rest of the
payment goes to the Master-wallet. This also gives real-time visibility as to which agents are bringing in the most sales.

Feature: Bux Multi-wallet (Master - Sub-wallets) ~ Automated Commissions & Payment Tracking

Each agent can accept

Insurance/Real Estate payments with their unique The Master-wallet gets
business will have a QR code, Payment Links the total amount minus
Master-wallet which will then and CheckoutPage commission for the
create the agent Sub-wallets transaction

The agent automatically

gets their commission
As soon as a payment is from each transaction,
made via the customer, once it’s approved
the agent gets notified

All agents will have a

Sub-wallet where they
create QR codes, Payment
Links and CheckoutPage
USE CASE #4
Problem: Logistics businesses have hundreds of riders and managing the remittance of COD payments, salaries of riders, and wallet load/balance is
difficult to manage, let alone to build an ecosystem in-house.

Solution: Management can easily add a new Sub-wallet per riders. Riders can then use the Sub-wallet to remit COD payments, receive their salaries,
top-up their wallet for future bookings, and get a Bux Certified TXN Record (coming soon).

Feature: Bux Multi-wallet (Master - Sub-wallets) ~ COD Remittances, Salaries, Wallet Loading

The funds are automatically

visible in the Bux Sub-wallet as a
paid transaction and are remitted
directly to the Master-wallet.
The rider successfully
The 7-Eleven cashier
Logistics Admin will delivers the goods, the
scans the barcode and
have a Master-wallet customer gives the
processes the payment.
which will then create cash to the rider.
the rider Sub-wallets

The salaries will

also be disbursed
to the same
Sub-wallet.

The rider then heads

out for deliveries to The rider then heads to the
multiple customers for nearest 7-Eleven or OTC
COD payment. Channel to “pay” the amount
to the head office via Bux.
All Sub-wallet transactions
and values will be visible
by the Master-wallet
USE CASE #5
Problem: FinTech companies need a wallet feature for outsourced KYC, wallet engine for cash-in & cash-out, and full wallet features but it is difficult
to build, manage, and improve on a regular basis. Also, the manpower needed to do the KYC is another expense, on top of the tech team.

Solution: FinTech companies (with wallets), can integrate the Bux Multi-wallet features to leverage all of its features. This allows any company to
have an eWallet, instantly. Using the Bux Multi-wallet also give the company instant access to future features and builds; all with minimal charges.

Feature: Bux Multi-wallet (Master - Sub-wallets) ~ Outsourced KYC, Wallet Engine - Everything Triggered via APIs

Users will have a Sub-wallet inside the app

where they can cash-in/cash-out/pay for
coins/NFTs/tokens/etc, depending on the
App’s features. Transactions would be within a
closed loop ecosystem, Sub-wallets
The FinTech (Wallet can cash-in and cash-out but cannot
App) would integrate send to other Sub-wallets*
with the Master-wallet

Once the Master-wallet is

set-up as the main account,
Sub-wallets per user can be As soon as the user creates their
created via API account, they’ll go through the Users can cash-out to their
KYC process which is reviewed bank of choice for
and approved by the Bux team. earnings/wallet balance or
use the balance to buy
*Peer-To-Peer Bux Wallet Transfers coming in 2022 more on the platform.
*eKYC (auto-verification) coming in 2022