BPI API Integration Services (Open Banking Philippines)

1. Automated Treasury & ERP Reconciliation

Context: Mid-sized retail companies in the Philippines spend hours manually downloading BPI statements to match against POS software.

Data/API Involved: Transaction History API & Account Balance API.

OpenData Value: Programmatically fetches daily statement data (JSON format) and directly injects it into NetSuite or Xero, automatically matching deposits via trace IDs and reducing manual reconciliation errors to zero.

2. E-Commerce QR Payment Collection

Context: Online merchants need a low-fee alternative to credit cards for checkout.

Data/API Involved: Dynamic QR Ph Generation & Webhook Notifications.

OpenData Value: Generates a unique QR code tied to the specific cart amount. When the customer scans and pays via their BPI app (or any QR Ph compatible app), a webhook instantly notifies the merchant's backend to fulfill the order without manual payment verification.

3. Automated Payouts & Payroll Processing

Context: Gig-economy platforms and HR systems require reliable, programmatic fund disbursements to various local bank accounts.

Data/API Involved: InstaPay/PesoNET Transfer API & Mobile Key Authorization simulation.

OpenData Value: HR software triggers batch transfers directly from the corporate BPI account via API. The system handles the routing (InstaPay for real-time < 50k PHP, PesoNET for bulk) and retrieves individual success receipts for auditing.

4. Personal Finance App Aggregation

Context: Wealth management apps need to provide users a consolidated view of their finances across multiple banks including BPI.

Data/API Involved: User Authentication, Account Balances, and Investment Portfolio Data.

OpenData Value: With explicit user consent, the aggregator securely authenticates via BPI's login protocol, periodically syncing deposit balances and RSP (Regular Subscription Plan) investment data to provide holistic financial advice.

Data Flow Architecture

• 1. Authentication Layer: Client application initiates secure login sequence, handling token exchange or simulated Mobile Key/Biometric authentication.
• 2. Integration Middleware: Our provided Node.js/Python SDK handles payload encryption, session maintenance, and request routing to BPI endpoints.
• 3. Data Extraction: Targeted data (e.g., statements, transfer statuses) is retrieved, parsed from raw BPI formats into standardized JSON.
• 4. Client Ingestion: Standardized data is securely pushed via webhooks or polled by the client's internal ERP, CRM, or accounting database.

API Snippet: Fetching Transaction History

// Fetch BPI Account Transactions (Pseudo-code)
POST /v1/bpi/accounts/transactions/query
Authorization: Bearer 
Content-Type: application/json

{
  "account_number": "XXXX-XXXX-12",
  "date_range": {
    "start": "2025-02-01T00:00:00Z",
    "end": "2025-02-28T23:59:59Z"
  },
  "transaction_type": "CREDIT",
  "limit": 100
}

// Success Response
{
  "status": "success",
  "data": [
    {
      "txn_date": "2025-02-15",
      "description": "INSTAPAY RCV FROM GCASH",
      "trace_id": "IPAY123456789",
      "amount": 5000.00,
      "running_balance": 145000.50
    }
  ]
}

API Snippet: Initiating InstaPay Transfer

// Initiate InstaPay Transfer via BPI (Pseudo-code)
POST /v1/bpi/transfers/instapay/execute
Authorization: Bearer 

{
  "source_account": "XXXX-XXXX-12",
  "destination": {
    "bank_code": "010280014", // UnionBank
    "account_number": "109876543210",
    "account_name": "Juan Dela Cruz"
  },
  "amount": 1500.00,
  "currency": "PHP",
  "purpose": "Vendor Payment",
  "auth_method": "MOBILE_KEY_SIMULATION"
}

Compliance & Privacy Standards

Our integration solutions strictly adhere to the Data Privacy Act of 2012 (Republic Act No. 10173) established by the National Privacy Commission in the Philippines, as well as the Bangko Sentral ng Pilipinas (BSP) guidelines on IT Risk Management. We implement principle of least privilege, ensuring data extraction is limited only to authorized scopes (e.g., read-only access for reconciliation). We do not store financial credentials; all tokens are managed within your secure infrastructure.

Market Positioning & Ecosystem

The Bank of the Philippine Islands (BPI) serves millions of retail users and corporate clients. In the rapidly digitizing Philippine market, integrating BPI data places your application alongside major fintech ecosystems like GCash and Maya. Recently, BPI has aggressively modernized its infrastructure (partnering with Red Hat and IBM in 2024 to adopt OpenShift), making API-driven interactions faster and more reliable than ever for B2B accounting software and B2C wealth apps.

About Our Studio

We are an independent technical service studio specializing in fintech integrations, App interface protocol analysis, and Open Data implementations. Our engineers have extensive experience reverse-engineering authorization flows and building robust APIs for Southeast Asian banking platforms.

• Deep expertise in Philippine banking protocols (InstaPay, PesoNET, QR Ph)
• Delivery of ready-to-run, containerized Node.js/Python microservices
• Ongoing maintenance for protocol changes and bank app updates
• End-to-end testing: sandbox simulation to production verification
• Transparent pricing model starting at $300, payment upon successful delivery

Workflow & Proposal Process

1. Requirement Gathering: Specify your BPI integration needs (e.g., corporate statement fetching vs. retail account linking).
2. Protocol Analysis: We evaluate the current BPI App routing and authorization (Mobile Key, token mechanics) (2-5 days).
3. Development: Constructing the API middleware and testing against varied edge cases (3-8 days).
4. Delivery: Handover of documented source code, Postman collections, and integration instructions (1-2 days).

Contact Us for a Quote