BDO Unibank

Change Delivers Cards and Buy Now Pay Later capabilities for Philippine’s largest bank
  • BDO is the Philippines largest bank with with total assets of US$70 billion and more than1,400 operating branches and 4,400 ATMs nationwide
  • BDO leverages Vertexon for managing its card programs and services including
    • Mastercard, Visa, UnionPay, Amex, JCB, Diners card schemes
    • BNPL features for its Major Purchase and Installment card products
    • Dispute Management System
  • Recently upgraded to the latest version of the Vertexon platform
  • BDO utilises PaySim, Change’s payment simulation and testing solution,.

A key customer of Change, the Philippines’ largest bank, BDO Unibank, Inc. (“BDO”), have integrated many of Change’s Vertexon payment solutions to issue and maintain their card programs and merchants. BDO also utilises PaySim, Change’s payment simulation and testing solution.

BDO is the Philippines’ largest bank with total assets of US$70 billion and one of the widest distribution networks across the country consisting of more than 1,400 operating branches and over 4,400 ATMs nationwide.

A senior vice president of BDO shared the following testimony:

“We have been using Change’s solutions to operate and expand our credit card products and offerings. Over that time we have grown our credit card portfolio to the largest in the Philippines.
Change’s staff are very knowledgeable, professional and cooperative throughout each project. They have helped us bring many innovative and flexible payments solutions such as Buy Now Pay Later and Major Purchases capabilities to market quickly.”

Senior Vice President of BDO
BDO on the latest version of Vertexon

In October 2021, Change completed BDO’s card platform upgrade to the latest version of Vertexon. This upgrade offers BDO the latest card payment technology, including BNPL features.

BDO’s Credit Card Systems Team commented: “We had a very successful upgrade to the latest Vertexon platform version with the upgrade experience seamless for such a major undertaking. The new version added expanded features and at the same time carried over bespoke business functions that give us market leadership. Change’s technical team has time and again proven their proficiency and allowed for an efficient project

Solutions Used

ATM, POS & ISO Simulation

Test ATMs, POS, interchange, regression and stress test cases concurrently, using a single system from your desktop.


Buy Now Pay Later (BNPL)

Deliver BNPL features on your cards with any merchants, without having to partner with a third-party provider. Leverage the biggest payment networks in the world to provide customers with new ways to pay.



Offer innovative prepaid, debit and credit card solutions to customers. Our secure and scalable platforms and services make payments easy.


Digital Payments & Wallets

Allow customers to securely pay using their mobile or smart watch with Apple Pay, Google Pay and Samsung Pay, or white label a mobile wallet.


Payment Simulation

Simulate over 60,000 variations of transaction types so there are no surprises.


Stress testing & planning

It is impossible to stress test manually. PaySim stress tests over 10,000 transactions per second.


Transaction Processing

Access all major card schemes including Mastercard, VISA, AMEX, JCB, UnionPay and Diners using our transaction processing.


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