Every other PMS routes Grab Pay through a third-party gateway, layering extra fees and a second reconciliation report. CloudReef talks to Grab Pay directly. One fee, one settlement, one report.
For a Philippine property accepting Grab Pay through a PMS, the difference between native and gateway-based integration is:
Take a typical Boracay resort accepting PHP 500,000/month in Grab Pay. The math:
| Fee layer | Native (CloudReef) | Gateway (Cloudbeds + PayMongo) |
|---|---|---|
| Grab MDR | 2.0% | 2.0% |
| Gateway markup | None | 1.8% |
| Monthly fees | Included | PHP 2,500 |
| Settlement | T+1 (Grab standard) | T+3 (via gateway) |
| Reconciliation reports | 1 (in PMS) | 2 (PMS + gateway dashboard) |
| On PHP 500k/month | PHP 10,000 in fees | PHP 21,500 in fees |
Actual rates depend on your merchant agreement with Grab and gateway provider. Numbers shown are market-typical.
You apply directly with Grab for a Pay merchant ID. Typically 5–10 business days. CloudReef provides the application template.
Grab issues your API keys. You paste them into CloudReef's payments settings. One configuration screen.
Grab Pay appears as a payment option at check-in, check-out, restaurant POS, and online booking. Test transactions confirm flow.
Yes, if your PMS supports it natively. Most global PMS platforms require a third-party payment gateway like PayMongo or Xendit, which adds a fee layer and a second reconciliation report. CloudReef integrates with Grab Pay directly.
Removes the middleware fee (typically 1.5–2.5% on top of Grab's MDR), unifies reconciliation, eliminates settlement delays. For PHP 500k/month in Grab receipts, native saves roughly PHP 8–12k/month.
Once your Grab merchant account is approved (5–10 business days by Grab), CloudReef can have Grab Pay live in your PMS in under 7 days.
Yes, across all PMS surfaces: check-in, check-out, restaurant POS, minibar, online direct booking. One config, one merchant ID.
Yes. Split payments are native. Both posted correctly to the folio and the BIR Official Receipt.
30-minute demo. We process a real transaction in front of you and show the reconciliation report.
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