When will your PESONet transfer arrive?
Tell us when you're sending and we'll pinpoint the clearing batch it makes and the day it lands.
Right now
Using the current date and time
Arriving today
Friday, Aug 14
by 6:00 PM · 2nd clearing cycle
Sent before the 3 PM cut-off, your transfer made today's batch and will be credited shortly.
How PESONet works
PESONet collects transfers and processes them in batches, twice a day. Catch the batch, your money rides today. Miss it, it waits for the next one.
Weekends and Philippine holidays are non-banking days.
Why businesses use PESONet
PESONet is the backbone of B2B payments in the Philippines, handling the transfers that are too large for InstaPay.
No amount cap
Supplier invoices, bulk orders, payroll, no need to split transactions across multiple transfers.
Transaction purpose tracking
Tag every transfer for compliance, audit trails, and clean bookkeeping.
Built-in reconciliation
Every transfer generates a reference number. Match payments to invoices without chasing confirmations.
Free or near-free
Most banks offer PESONet at zero cost. At dozens of payments a month, that adds up fast.
Instead of worrying about when transfers clear, earn from them
Pay suppliers early and take cash discounts. A 2% discount for paying 20 days early is equivalent to a 36% annual return.
2%
typical early payment discount
36%
annualized return equivalent
2-3 days
typical financing decision time
Buhay is how you get there. We help growing Filipino businesses secure the short-term working capital to pay suppliers early, capture the discount, and turn payment timing into profit.
Your partner from ₱50M to ₱500M, and beyond
Buhay isn't just a loan marketplace. We're a growth partner that works alongside your business, connecting you to the right financing at the right time.
Free · No commitment · Decisions in 24 hours
One upload, every lender
Share your documents once. We match you against our network of banks and NBFIs to find the best rates, no need to shop around yourself.
We negotiate the lowest rate possible
Our team structures your deal and presents your business in the best light to lenders. Clients regularly secure rates below existing relationships.
Built to scale with you
From your first working capital line to growth financing and beyond, we help businesses go from ₱50M to ₱500M to IPO. Your ambition is the only limit.
Frequently asked questions
About PESONet transfers and Buhay financing