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Third-Party Integrations ​

TendoPay builds its core business logic in-house, but relies on a curated set of third-party services for specialised capabilities. The list below is grouped by what each category does for the product, rather than naming every vendor — the actual providers may evolve over time.

Identity & KYC ​

  • KYC providers for document capture, identity verification, and liveness checks during onboarding.
  • Credit scoring providers that consume signals from the user's device to assist underwriting.

Authentication ​

  • Social login with Apple only — it is the sole active SSO provider. (Facebook, Google, and Yahoo have been disabled.)
  • Bot and abuse protection via hCaptcha and Cloudflare Turnstile on signup and high-risk forms.
  • Two-factor authentication for admins and sensitive customer flows.

Payments & Cash Out ​

  • Payment gateways for inbound repayments and outbound cash-out flows.
  • Voucher partners for store-redeemable vouchers as a disbursement option.
  • Xendit is the provider behind two flows:
    • E-wallet disbursements — cash-out to the popular Philippine wallets (GCash, Maya, GrabPay, ShopeePay, etc.) is routed through Xendit's e-wallet APIs rather than wallet-by-wallet direct integrations.
    • Bank account connections — payouts to and validations against Philippine bank accounts (BPI, BDO, UnionBank, Metrobank, etc.) go through Xendit's disbursement and bank-account-validation APIs.
  • The Xendit integration is exposed through a single internal service interface, so the rest of the codebase calls one abstraction regardless of which wallet or bank is on the other end.

Messaging ​

  • SMS providers for OTP delivery, transactional messages, and collections.
  • Email delivery for transactional and marketing email.
  • Push notifications via Firebase Cloud Messaging (FCM) for the mobile apps.
  • In-app messaging and lifecycle marketing for customer engagement campaigns.

Payroll & Employer ​

  • Payroll bridge providers for Earned Wage Access (EWA) and employer-linked features.

Merchant Integrations ​

  • E-commerce platforms (for example, Shopify) — TendoPay is offered as a checkout option.
  • Marketplaces — TendoPay is integrated as a payment method in partner storefronts.

Analytics & Marketing ​

  • Web analytics for product and conversion measurement.
  • Marketing pixels for Facebook, TikTok, and Google for attribution.
  • Tag management for managing marketing tags without code changes.

Why we treat the vendor list as a moving target ​

Specific vendors in each category change over time as commercial terms, coverage, and product needs evolve. The architecture isolates each integration behind an internal service interface so a provider can be swapped without changes leaking into the rest of the codebase. If you need the current vendor for a given category, check the relevant config file in the backend repo rather than relying on this page.