The MSZN payout-speed score is a 100-point composite that condenses every Pinoy operator's first-payout performance into one number. The breakdown matters for any player using the leaderboard to pick where to play — and for any operator trying to lift their rank. This page documents exactly which sub-scores feed the 100, how each is weighted, and how the threshold for first-payout certification interacts with the composite.
The 100-point breakdown
| Sub-score | Weight | Measurement |
|---|---|---|
| GCash median speed | 30 pts | Stopwatch p50 across full month |
| GCash 12-min clearance rate | 20 pts | Share of cash-outs under threshold |
| KYC first-pass rate | 15 pts | % cleared on first OCR + selfie submission |
| Failure rate (inverted) | 10 pts | Lower = higher score |
| Maya median speed | 10 pts | Stopwatch p50 secondary rail |
| Peak-hour resilience | 10 pts | 19:00-22:00 vs full-day median delta |
| Bank rail availability | 5 pts | BDO + BPI rail offered for high-ticket |
How each sub-score is computed
GCash median speed (30 pts)
Linear scoring: 6-min median = 30 pts, 9-min median = 22 pts, 12-min median = 14 pts, 15-min median = 6 pts. Above 15-min = 0. Median is rolling 30-day p50.
GCash 12-min clearance rate (20 pts)
Direct percentage scaling: 95%+ clearance = 20 pts, 80% = 16 pts, 60% = 8 pts, below 50% = 0.
KYC first-pass rate (15 pts)
Operator-side OCR + selfie clearance. 90%+ = 15 pts, 80% = 11 pts, 70% = 6 pts, below 60% = 0. Tracks the cleanliness of the operator's KYC vendor pipeline.
Failure rate (10 pts, inverted)
Below 1% failure = 10 pts. 1-2% = 6 pts. 2-4% = 2 pts. Above 4% = 0. Failures are mostly name-mismatch retries; high failure rate flags poor account-verification UX.
Maya median speed (10 pts)
Linear scaling, same logic as GCash but anchored to Maya's slower baseline. 11-min median = 10 pts, 14-min = 6 pts, 18-min = 2 pts.
Peak-hour resilience (10 pts)
Delta between 19:00-22:00 median and full-day median. Sub-3 min delta = 10 pts. 3-5 min = 6 pts. 5-7 min = 3 pts. Above 7 min = 0. Rewards operators that staff through the shift-handover hour.
Bank rail availability (5 pts)
Both BDO and BPI offered for ≥₱20,000 cash-outs = 5 pts. One of two = 3 pts. Neither = 0. Tracks high-roller convenience.
Certification threshold and the composite
First-payout certification is awarded when the operator hits 12-min GCash median or better. That is independent of the composite score — operators can hold certification with composite scores anywhere from 60 to 95. The composite is the leaderboard rank; certification is the threshold gate.
Pros and cons of the composite scoring approach
Pros
- Single number is easy for Pinoy players to compare brands at a glance.
- Weighting reflects actual player priority (GCash speed and clearance dominate).
- All inputs are auditable — raw logs published with every monthly cycle.
Cons
- Bingo-only operators with thin slot menus can score lower despite strong specialty performance.
- Players who exclusively cash out via Maya don't see the 30-pt GCash sub-score reflect their experience.
- Composite can mask outlier weakness (an operator with 70 composite might still have 4% failure rate).
How operators can lift their rank
The highest-leverage sub-scores are GCash median (30 pts) and clearance rate (20 pts). For operators stuck in the 70-80 score band, the playbook is: (1) tighten KYC vendor pipeline to lift first-pass rate, (2) staff KYC review through the 18:00-19:00 shift handover, (3) move from batch disbursement to direct API on GCash. These three moves typically lift composite by 8-12 points.
FAQ
Can the score go above 100?
No — sub-scores are capped at their max weight.
How often is the score updated?
Monthly cycles, with weekly recompute of the leaderboard top 10.
Is there a minimum sample size for the score to be valid?
Yes — operators need ≥200 first-payout test runs in the cycle to be eligible for the leaderboard. Below that, the score is published with a "low-sample" flag.
Why is bank rail only 5 pts?
Bank rails serve high-roller cash-outs only. Most Pinoy player volume is GCash + Maya, so the player-facing weight reflects that distribution.
Related MSZN reads
- April 2026 payout-speed leaderboard snapshot
- What first-payout certification actually tests
- GCash registry-wide median holds at 9 minutes
- February 2026 leaderboard movers
Want to dig into per-sub-score performance per operator? Open the MSZN scoring registry →
External reference: PAGCOR licensure framework that defines minimum operator standards.