Join a member-centric cooperative where every peso you save builds a better life for your family and lifts your community right along with it.
Become a MemberEverything under one member account
Every month you delay, inflation erodes savings that could have been earning interest and returning patronage refunds inside a cooperative.
Maintenance fees, low deposit rates, and credit priced on a score you can’t see. Your money works for them — not for you.
Your loyalty buys nothing back. In a cooperative, the more you use it, the more of its earnings flow to you at fiscal close.
The model you use can pay you back.
Combining the Philippine Cooperative Code with a modern, auditable financial system — so that saving, spending, and owning Share Capital happens in under a minute, wherever a PIFMCoop outlet operates.
Apply in 10 minutesFrom the coastal kiosk buying farm produce wholesale, to the city hub receiving monthly Share Capital contributions — PIFMCoop outlets handle millions of pesos in member transactions every year, under a ledger that cannot be silently edited.
Find an outlet near youDeposit through bank transfer, over the counter at any outlet, or from your Purchase Wallet. Monthly interest accrues automatically once your classification is ≥ Class C.
20-share subscription, 5 shares paid up on day one at ₱1,000.00 each. Monthly ₱1,000 contribution. Certificates issued at ₱12k, ₱20k, ₱50k.
| PIFMCoop | Traditional bank | |
|---|---|---|
| Who profits from your money | You — via patronage refunds | Outside shareholders |
| Voting rights over how funds are used | Yes, one member one vote | None |
| Credit approval basis | Published classification rules |
You work hard for every peso. You save what you can, pay what you owe, and try to make the money last through the month. But the system is built so most of the upside never reaches you — it flows to shareholders who will never know your name, hold your loan, or buy rice from your sari-sari.
Cooperatives were invented to reverse that. Under RA 9520, members collectively own the institution. Profits come back as patronage refunds. Credit decisions follow rules that are written down and enforceable. And everything — every peso saved, every sale, every Share Capital contribution — is logged in an immutable ledger that cannot be edited after the fact.
Enter Pay It Forward Marketing Cooperative.
We operate across the Philippines with Kiosks, Hubs, Stores, and Warehouses so that members never have to travel to transact. Every wallet, every classification, every refund is governed by the same published rules — visible to you in plain language on this site, and enforced automatically in the system that handles your money.
You don’t need to learn financial jargon. You need to decide: are you going to keep renting financial services from institutions that will never share the upside, or are you going to own yours?
Join PIFMCoop today. Your first deposit is ten minutes away, and your future self will thank you for every monthly contribution you made.
Credit Wallet limits scale with classification. Class D has no credit; C/B/A each unlock progressively. MIGS tier unlocks the top bracket. Repayments reduce balance immediately.
Purchase Wallet funds top-up from Savings or external channels. Spend at any PIFMCoop POS. Every sale is a Transaction row — your history is yours to export.
| Fees to keep an account open | None | Maintenance fees, dormancy fees |
| Ledger transparency | Immutable, per-member, auditable | Internal only |
| Share Capital ownership | Build up to 10% per member | Not applicable |
| Access without a branch | Kiosks, Hubs, Stores, OTC | Branch or online banking |
Billed once. No monthly subscription. You can convert Associate → Regular without reapplying.
