Harborstone is the operations platform behind payroll runs, loan releases, supplier payments and claims payouts across the Philippines — built so the reconciliation is finished when the transaction is, not at the end of the month.
Each runs through the same ledger, the same approvals and the same reporting — so adding a second payment type doesn't mean adding a second reconciliation process.
Pay many recipients in one run — salaries, loan proceeds, supplier invoices, insurance claims, commissions. Each payout posts against operational prefunding, so a run can never quietly overdraw.
Collect on behalf of billers through your outlets, with the settlement position visible per branch rather than discovered at cut-off.
Receive over-the-counter payments and route settlement to the approved bank account, with the receiving details captured on the transaction record.
The money has to arrive where the work is.
Branch networks reach the people bank branches don't. Harborstone is built for the operators running those counters — and for the finance team that has to account for all of it afterwards.
Most payment tools treat reconciliation as reporting you run afterwards. Harborstone treats it as the thing being built as you go — because the question that actually costs money is not "did it send", it's "can you show me".
| Reference | Type | Amount | Status |
|---|---|---|---|
| HS-4471-0093 | Disbursement | ₱ 48,500.00 | Settled |
| HS-4471-0092 | Bills payment | ₱ 3,240.00 | Settled |
| HS-4471-0091 | Collection | ₱ 12,000.00 | Settled |
| HS-4471-0090 | Disbursement | ₱ 156,000.00 | For approval |
Branch networks fail on permissions and visibility long before they fail on payment rails.
Super admin, branch manager and teller each see and do only what their role allows, scoped to the branch they belong to.
A one-time code is sent by email at each login. Codes are never shown on screen and never returned to the browser.
The available balance sits in the header wherever an operator works, including tellers — so the wall is visible before it's hit.
Set the amount above which a movement needs sign-off, and see everything waiting in one queue.
Filter by branch, type, status and period; export what the auditor or the accountant actually asked for.
Add approved operating outlets, apply operational prefunding, set settlement limits and manage access status from one console.
Deposit settlement funding and distribute it to each approved operating outlet. What an outlet holds is what it can spend, less its reserve floor.
Operators post disbursements and collections from the console. Anything over threshold routes for approval first.
Each movement returns a provider reference and updates the branch position. Export for accounting when you need it.
Volume, payment types and the branch footprint are usually enough for us to say whether Harborstone fits — and to be straight with you when it doesn't.