Commission on products. Payouts in pesos.
Coded Idea builds MLM and direct-selling software for businesses in the Philippines: distributor sign-up, genealogy, commission rules based on product sales, a peso (PHP) wallet ledger, and payouts to Philippine bank accounts and to e-wallets such as GCash and Maya through your own payment-provider account.
Ready-to-launch network marketing software starts from ₹15,000 (about ₱10,100 or US$160) and custom builds from ₹35,000 (about ₱23,500 or US$370). We work from Mohali and Bengaluru, India, with Philippine clients online.
Based in Mohali, Punjab (Sector 127) and Bengaluru. No office in the Philippines. Prices are in Indian rupees; peso and US dollar figures are approximate, at ECB reference rates of 4 November 2026 (US$1 = ₹94.64 = ₱63.53).
Product sales in, peso payouts out.
- Product order₱ sales volume
- Commission ruleProduct volume only, no sign-up fees
- Peso walletLedger entry per distributor
- Finance teamRun reviewed and approved
- InstaPay or PESONetBank account, GCash or Maya
Is MLM legal in the Philippines? Direct selling, yes. Pyramid sales, no.
General information, not legal advice. Ask a Philippine lawyer to review your compensation plan before launch.
Three sources matter most to an MLM company in the Philippines, and each one points at the same question: where does a distributor’s money come from?
- The Consumer Act (Republic Act 7394), Article 53
Chain distribution plans or pyramid sales schemes shall not be employed in the sale of consumer products.
Article 4(k) of the Act describes such a scheme: a person makes an investment to get the right to recruit others for profit, those recruits make similar investments, and the profits come primarily from recruitment rather than from the sale of consumer products, services and credit. Capping the number of participants does not change that. - The DTI Seal of LegitimacyThe Department of Trade and Industry issued Department Administrative Order 21-09, Guidelines on the Grant of the DTI Seal of Legitimacy for Legitimate Direct Selling and Multi-Level Marketing, to recognise legitimate direct-selling and MLM businesses and to curb chain distribution and pyramid sales schemes. Applications go to the DTI’s Consumer Policy and Advocacy Bureau.
- The Securities and Exchange Commission (SEC)Under the Securities Regulation Code (Republic Act 8799), “investment contracts” count as securities (Section 3), securities cannot be sold or offered without an SEC-approved registration statement (Section 8), and people who sell them must be registered (Section 28). The SEC has described pyramiding as “a form of securities fraud” in its public advisories. A “package” that pays returns for recruiting can therefore end up in front of the SEC, not only the DTI.
Software cannot make a plan lawful. It can make sure the plan your lawyer has reviewed is the plan that runs:
| What the rules look at | How the software can reflect it |
|---|---|
| Profit mainly from recruiting, not product sales (Consumer Act, Art. 4(k) and 53) | Commission is calculated from product order volume only; joining or registration fees are left out of every commission base; recruitment-only bonuses can be switched off |
| Paying to get the “right to recruit” | A starter kit is sold as a product with its own item code and price, not as a slot or package that earns returns |
| Investment-type packages and promised returns (Securities Regulation Code) | No ROI, daily-income or “guaranteed earnings” widgets; distributors see earnings only from real orders |
| Product returns | A returned or refunded order reverses the commission it created, up every level it paid |
| Questions from the DTI, the SEC or your auditor | A dated audit log of plan-rule changes, payout runs and admin actions, plus an exportable copy of the active plan rules |
Official texts: Consumer Act, RA 7394 (Lawphil)Securities Regulation Code, RA 8799 (Lawphil)SEC advisory on pyramiding (30 April 2020)DAO 21-09 listing (ASEAN Consumer Protection)
Pay distributors to their bank, GCash or Maya, from your own payment account
Philippine commission payouts travel on two bank-transfer rails overseen by the Bangko Sentral ng Pilipinas (BSP).
Peso transfers that arrive almost instantly, 24 hours a day, all year, between participating banks and e-money issuers. It has a per-transaction cap, which depends on your account type.
Batch transfers credited the same banking day, with no per-transaction cap listed in the BSP’s InstaPay FAQ. It suits larger commission amounts.
The BSP’s InstaPay participant list (as of 30 September 2026) includes G-Xchange, Inc. (GCash) and Maya Philippines, Inc., so distributors can be paid to those e-wallets as well as to bank accounts. We build the payout step on the provider you choose, under your own merchant account and KYC:
| Provider | What its own documentation says | What we build around it |
|---|---|---|
| PayMongo | Batch payouts through InstaPay or PESONet, by API or batch upload; one rail per batch | Each approved commission run split into an InstaPay batch and a PESONet batch; status written back per distributor |
| Xendit | PHP payouts on InstaPay (about 15 minutes) and PESONet (same day, 14:00 cut-off); GCash listed as a payout channel | The rail picked by amount and cut-off time; a failed payout goes back to the distributor’s wallet |
| Dragonpay | A payout API in pesos; channels include bank accounts and GCash; payouts run on agreed cut-offs, not in real time | Payout requests queued only after approval; status updated from Dragonpay’s notifications |
What this means in the software:
Peso ledger first.
Commission is posted to the distributor’s PHP wallet; the transfer is a separate step.
Right rail for the amount.
Smaller amounts can go by InstaPay; amounts above your InstaPay cap go by PESONet.
Approval before money moves.
Finance reviews totals, top earners and held accounts, then approves the run.
Fees on the record.
Provider fees are charged by the provider to your account; the software can record them per run so reports match your bank statement.
Provider features, caps, fees and cut-offs change. We confirm them on your own account during setup.
Distributor data under the Data Privacy Act of 2012
The Data Privacy Act of 2012 (Republic Act 10173) created the National Privacy Commission (Section 7). It requires whoever controls personal information to use “reasonable and appropriate organizational, physical and technical measures” to protect it (Section 20).
Under Section 21, your company stays accountable for distributor data even when it is processed by a third party, in the Philippines or abroad, which includes a development team in India like ours. Government-issued numbers, such as social security numbers, count as sensitive personal information under the Act.
Official text: Data Privacy Act of 2012, RA 10173 (Lawphil)
What we set up
- Role-based access, so a branch or support team sees only what it needs.
- Sensitive fields (bank and e-wallet numbers, government ID numbers) kept out of exports by default.
- No government ID numbers collected unless your process needs them.
- Hosting with a major cloud provider in the region you choose; you own the code, data and accounts.
English panels, with a Filipino option for your distributors
Filipino and English are the official languages of the Philippines (1987 Constitution, Article XIV, Section 7). We build the admin and member panels in English. A Filipino (Tagalog) member panel, or a language switch between the two, can be scoped as part of a custom build: you supply or approve the translations and we wire them in, including e-mail and SMS templates.
Pick the compensation plan first. Then the software.
Send us two or three worked examples from your plan (a product order, a return, a rank change). We check the software against them before launch.
Binary
Two legs and pair matching on product volume; tell us your carry-forward, flush and capping rules.
Binary MLM software ↗Matrix
Fixed width and depth with spillover; tell us the matrix size and how a full level re-enters.
Matrix MLM software ↗Unilevel
Unlimited frontline with commission by level on product volume; good for retail-led catalogues.
Unilevel MLM software ↗Generation
Commission that follows leadership generations; tell us how a new leader breaks a generation.
Generation MLM software ↗Hybrid
Two or more plan rules together; quoted separately.
Hybrid MLM software ↗Crypto
Wallet and token logic.
Philippines note: the BSP regulates virtual asset service providers (Circular No. 1108, 2021), and the SEC’s rules on crypto-asset service providers (Memorandum Circular No. 4, series of 2025) cover crypto-asset services offered to the public. Any crypto wallet, payout or token in your plan may need a licensed partner. Check your structure with a Philippine lawyer before launch; we make no promise that a given structure is allowed.
Crypto MLM software ↗Starting prices, with pesos shown for comparison
These are starting prices, not an all-features bundle. Your final quote is written after the plan walkthrough.
Ready-to-launch
from ₹15,000about ₱10,100 · about US$160An available plan structure that fits your rules after review
Custom development
from ₹35,000about ₱23,500 · about US$370Compensation rules, operations or integrations needing a tailored build
Crypto MLM
from ₹30,000₹45,000 custom · about ₱20,100 (₱30,200) · about US$320 (US$475)On-chain logic, wallet behaviour, contract review
Hybrid and enterprise
quoted separatelySeveral plans, entities or large migrations
Peso and US dollar figures are approximate conversions at ECB reference rates on 4 November 2026 (US$1 = ₹94.64 = ₱63.53) and will change with exchange rates. These are starting prices, not an all-features bundle; your final quote is written after the plan walkthrough. Payment-provider fees (PayMongo, Xendit, Dragonpay or your bank) are charged by the provider; hosting and domain are confirmed in your written quote.
Compare all tiers on the MLM software price guide.
A Philippine project, run online from Mohali and Bengaluru
Coded Idea is a software company founded in 2020 that has delivered 100+ projects. Our offices are in Mohali (Sector 127, Punjab) and Bengaluru. We do not have an office in the Philippines.
Time difference: Philippine time (PHT, UTC+8) is 2 hours 30 minutes ahead of India (IST, UTC+5:30). A 10:30 start in Mohali is 13:00 in Manila, so an Indian working morning lines up with a Manila afternoon.
Walkthrough
A video call where you take us through the plan, products and how you pay distributors.
Fit check
Plan rules, products, distributor levels and payment provider checked against the package.
Set-up with a written plan
Scope, deliverables and timeline agreed in writing before work starts.
Training and support
Your admin team is trained online and supported closely through the first weeks.
MLM software in the Philippines: questions we get asked
Is MLM legal in the Philippines?
This is general information, not legal advice. The DTI recognises legitimate direct-selling and multi-level marketing businesses through its Seal of Legitimacy (DAO 21-09). The Consumer Act (RA 7394, Article 53) bans chain distribution plans and pyramid sales schemes, where profit comes mainly from recruiting rather than from selling products. The SEC treats investment-type packages as securities that need registration. Ask a Philippine lawyer to review your plan.
Do you have an office in the Philippines?
No. Coded Idea’s offices are in Mohali (Sector 127, Punjab) and Bengaluru, India. We work with Philippine clients online through video calls, screen-share demos, WhatsApp and email. Manila is 2 hours 30 minutes ahead of India, so our mornings overlap with your afternoons.
How much does MLM software cost for a Philippine company?
Ready-to-launch MLM software starts from ₹15,000 (about ₱10,100 or US$160) and custom builds from ₹35,000 (about ₱23,500 or US$370). Crypto MLM starts from ₹30,000, or ₹45,000 custom. Hybrid and enterprise work is quoted separately. Peso and dollar figures are approximate, at ECB rates on 4 November 2026. Provider fees and hosting are confirmed in your written quote.
Can the software pay distributors through GCash, Maya or bank transfer?
Yes. We build the payout step on your own PayMongo, Xendit or Dragonpay account. Commission goes to a peso wallet first, your team approves the run, and the transfers go out by InstaPay or PESONet. GCash (G-Xchange, Inc.) and Maya Philippines, Inc. are on the BSP’s InstaPay participant list, so e-wallets can receive payouts as well as banks.
Can you build a crypto MLM plan for a Philippine company?
We build crypto MLM software, from ₹30,000 or ₹45,000 custom. In the Philippines, the BSP regulates virtual asset service providers and the SEC has rules for crypto-asset service providers (Memorandum Circular No. 4, 2025). A crypto wallet or payout may need a licensed partner. Confirm your structure with a Philippine lawyer before launch.
What should I prepare before the first call?
Your compensation plan document, your product list and prices, how you want to pay distributors (GCash, Maya or bank transfer), and whether you are launching new or replacing existing software. If you are moving from another system, a sample export of members and wallet balances helps us scope it. Please do not send real distributor bank or e-wallet details before a contract.
Send us your plan. We will show you the build.
Choose your plan type, how you pay distributors and your stage. We reply with the next step and a starting price that fits.
Please leave real distributor, bank and e-wallet records out of your first message.