IOT ACH Services, Incorporated

Connected enterprise infrastructure

Connect the systems.
Transform the enterprise.

IOT ACH Services Inc. brings enterprise integration, operational automation, regulatory controls, and executive intelligence into one structured financial infrastructure.

Explore the portfolio View the framework
“We don’t replace existing systems. We connect, enhance, and transform them.”
IOTACHInfrastructure
01Connect
02Operate
03Govern
04Scale
Institution typeDigital transformation & financial infrastructure provider
Regulatory positionBSP-registered Operator of Payment System
Current stageCommercial infrastructure-ready rollout

Company overview

Strong governance.
Secure foundation.

IOT ACH Services Inc. is a Philippine-based digital transformation and financial infrastructure company. Its mission is to modernize operations through enterprise integration, workflow automation, secure financial infrastructure, and executive intelligence.

IOT ACH is guided by experienced leaders and built on strong governance, operational integrity, and compliance with regulatory standards.

We connect systems.We power operations.We drive transformation.

Arnold R. Cortez, Chairman

Arnold R. Cortez

Chairman

Donald Lirio, Co-Chairman

Donald Lirio

Co-Chairman

Four-stage architecture

One framework.
End-to-end transformation.

A structured path from enterprise connectivity to operational execution, regulatory control, and future-ready intelligence.

01CONNECT

Enterprise Integration

Secure data exchange and API-led connectivity across legacy ERP, CRM, SCM, and HRM environments.

  • API integration
  • Middleware connectivity
  • Modern digital rails
02OPERATE

Payment & Workflows

Automation for collections, treasury routines, payment gateways, reconciliation, and settlement execution.

  • Workflow automation
  • Collections gateways
  • Batch & real-time settlement
03GOVERN

Compliance Engine

Human expertise, compliance rules, AML screening, real-time risk checks, audit logging, and reporting.

  • Risk controls
  • AML/CFT screening
  • Regulatory reporting
04SCALE

Executive Intelligence

Dashboards, business intelligence, scalable architecture, and decision support for future expansion.

  • Executive dashboards
  • Business intelligence
  • Expansion architecture

Integrated portfolio

Infrastructure across the payment lifecycle.

Interconnected modules for onboarding, acceptance, routing, settlement, security, insight, and commerce.

01
ON

Core Onboarding Engine

IOT Onboard™ &
IOT Merchant™

Digital onboarding, eKYC verification, merchant registration, and terminal management.

02
PY

WOWGATE Gateway

IOT Pay™ & IOT POS™

SoftPOS, Android POS devices, digital wallets, payment gateway, and collections processing.

03
CD

WOWCARD Engine

IOT Card™

Debit and prepaid card issuing, loyalty and transit cards, and virtual card issuance.

04
SW

Switch Core

IOT Switch™

High-speed multi-channel transaction routing, financial switching, and cross-channel interoperability.

05
ST

Settlement Engine

IOT Settlement™

Treasury control, automated batch processing, and real-time reconciliation and settlement.

06
SH

KAMP Screening Engine

IOT Shield™

AML/CFT screening, fraud monitoring, dynamic risk mitigation, and immutable audit logging.

07
IN

Integration Hub

IOT Insight™ &
IOT Connect™

Executive dashboards, business intelligence, API gateway, and enterprise ERP integration.

08
CO

Application Layer

IOT Commerce OS

Multi-vendor marketplace, ERP/OMS, dealer and vendor portals, and e-commerce capabilities.

Future roadmap09
BK

Corebanking

IOT Bank™

Planned embedded finance, core digital banking, savings and lending modules, and Banking-as-a-Service.

Payments & interoperability

Bridging business applications and payment rails.

IOT ACH’s architecture is designed to connect payment instructions, acceptance channels, collection workflows, treasury controls, and settlement processes.

InstaPayQR PhGCashMayaUnionBankBank networks

Connectivity references describe the profile’s target ecosystem and integrated architecture. Availability remains subject to commercial activation and applicable agreements.

01

Payment routing & switching

High-speed routing of payment instructions across heterogeneous financial channels.

02

Gateway & merchant acceptance

Online gateways, SoftPOS, and Android POS terminal management for multi-channel acceptance.

03

Collections & disbursements

Recurring collections, bill payment workflows, and automated payout processing.

04

Treasury & settlement

Real-time and batch reconciliation, multi-currency support, and settlement integration.

Industry reach

Designed for connected ecosystems.

A cross-industry infrastructure approach for organizations modernizing operations, financial workflows, and enterprise intelligence.

Financial InstitutionsBanking & payments Cooperatives & MicrofinanceInclusive finance Retail & CommerceOmnichannel trade Logistics & DistributionConnected movement Manufacturing & FMCGIntegrated operations Mobility & TransportDigital mobility Government & Public SectorPublic infrastructure Universities & EducationConnected campuses Housing & Real EstateProperty ecosystems HealthcareCare infrastructure

Governance & compliance

Controls embedded in the operating model.

IOT ACH positions governance, regulatory oversight, AML/CFT screening, real-time risk checks, audit logging, data protection, and automated reporting as core infrastructure capabilities.

Bangko Sentral ng Pilipinas

Operator of Payment System Registration

OPSCOR-2020-0033

Anti-Money Laundering Council

Registered as a Covered Person

BSP-20240911121944-9

Securities and Exchange Commission

Certificate of Incorporation

CS201950688