BGC, TAGUIG CITY - Clickerwayne Zelle Solutions Inc. has finalized its operational strategy to apply for formal registration as an Operator of Payment System (OPS) with the Bangko Sentral ng Pilipinas (BSP) and to establish appropriate reporting channels with the Anti-Money Laundering Council (AMLC).
The company plans to file the application immediately following the conclusion of the current fiscal year on June 27, 2026, and its subsequent annual stockholders' meeting on July 15, 2026.
The planned regulatory filing follows the rollout of version 4.0 of the company's wholesale e-commerce platform, wholesaledito.store. Central to this application is the NØFEE Direct Settlement system, a proprietary infrastructure built in-house to optimize high-volume business-to-business (B2B) procurement transactions.
Current Status and Regulatory Compliance
As of May 1, 2026, NØFEE Direct Settlement is temporarily disabled. A voluntary internal review of BSP regulations confirmed that electronic payment and financial services require either a 30-day prior notification or prior approval from the BSP before launch, depending on the nature of the service. The company proactively disabled NØFEE to ensure full compliance while completing the necessary regulatory filing.
The company is now preparing the appropriate notification or application for the BSP. Once the regulatory requirements are satisfied, NØFEE will be re-activated for customer use.
Defining the NØFEE Infrastructure
NØFEE Direct Settlement is the company's in-house proprietary checkout system designed to replace traditional third-party payment gateways. The finalization of this operational roadmap follows an extensive, multi-platform evaluation phase involving two completely separate operational layers: traditional commercial banking channels and a non-bank financial institution (NBFI) fintech gateway.
The company evaluated traditional payment processing through payment options on wholesaledito.store. The company also executed a live customer payment testing phase through an independent, third-party fintech gateway. This fintech operational study included live, progressive customer payment phases designed to stress-test varying transaction tiers. The process began with an initial debit card micro-transaction test, which was then followed by secondary and tertiary live commercial settlement phases utilizing credit cards.
This benchmarking across both distinct settlement channels allowed the company to audit backend mechanics, clearance timelines, and fee structures. The insights gained from these separate live merchant tests confirmed that third-party processing layers introduce operational friction and Merchant Discount Rate (MDR) fees for high-volume wholesale operations. By removing these intermediaries, NØFEE is designed to function strictly as a direct verification, notification, and ledger automation layer that eliminates processing fees for corporate clients.
Planned Operational Mechanics
Once registered with the BSP and re-activated, the module is designed to streamline high-volume corporate procurement by acting as a secure bridge between commercial banking endpoints and warehouse logistics:
- Endpoint Checking: When a corporate buyer executes a direct bank transfer to settle a bulk wholesale order, NØFEE will check the secure corporate banking endpoints. These are standard corporate deposit accounts.
- Automated Reconciliation: When the funds credit the account, the module will automatically verify the entry and update the buyer's order status on the PWA.
- Logistics Triggering: The transaction data will be instantly logged, bypassing manual administrative clearance delays to trigger immediate logistics and warehouse fulfillment.
Compliance and Transaction Oversight
NØFEE is designed to function purely as an automation and ledger verification tool rather than a financial repository. The scale of commercial transactions processed on the platform requires alignment with national financial oversight standards.
The strategy to register as an Operator of Payment System with the BSP and establish reporting channels with the AMLC reinforces the institutional security of the platform. This compliance roadmap ensures that as transaction volume grows, all automated ledger verifications will adhere strictly to the transaction monitoring and record-keeping protocols enforced by the Philippine government.
Institutional Trust for Corporate Procurement
Corporate procurement managers, purchasing agents, and institutional buyers require vendor transparency and structural accountability. Operating a proprietary Progressive Web App (PWA) with built-in automated settlement verification ensures that bulk orders for commercial, industrial, and institutional supplies can be logged and dispatched with minimal friction.
By taking steps toward formal BSP and AMLC registration, Clickerwayne Zelle Solutions Inc. aims to provide enterprise clients across the Philippines with a verified, legally compliant, and technically independent procurement ecosystem. This approach is designed to keep high-volume B2B transactions secure, efficient, and direct from supplier to warehouse.
