Opening Paymaya account in Philippines is completely free and there is no fee to open Paymaya account. You can create Paymaya account online from Paymaya website only.

PayMaya is an incredible alternative from withdrawing your funds from Pay Pal. Instead of PayPal-to-bank, which generally takes 5-7 days. With PayMaya you can already transfer your funds from PayPal to within just a few minutes. Prior to your withdrawal, PayPal will charge your fund for ₱250.00 as transaction fee because PayMaya is detected as Visa card.

In order for you to avail this service, you must sign up for a PayMaya account. Then link your PayMaya Visa Card to PayPal. But before you link it, make sure that your account has a remaining balance of at least ₱100.00.

PayPal, do an authorization hold for verification purposes. Once your account was verified, the amount will be returned.

PayMaya serves as a virtual credit card which you can use for any online transactions that acknowledge Visa payments.

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What is PayMaya?

PayMaya Philippines Inc. (formerly Smart e-Money, Inc) has established an outstanding reputation since it was founded because of its remarkable technical features, which made a lot of users to be confident enough to entrust their online payments with them.

Opening an account with PayMaya Visa Card is absolutely free and does not require a fee to do so. Although PayMaya has already been offering various services to their clients, there are still a lot of benefits one can get from having their PayMaya credit cards upgraded.

If you wish to have a physical PayMaya card, you can buy it to Smart Jump Centers or you may order it on their website.

There are two kinds of cards. The PayMaya EMV Card Bundle and PayMaya EMV Card. The only difference between the two cards is the latter comes in a single quantity. If you can’t pay the card online, you can have it for cash on delivery. However, the delivery will only take three attempts. After, that your order would be canceled.

Currently, PayMaya offers a free shipping while the delivery takes 5-7 business days for Manila areas and it takes 10 business days for Provincial areas.

Easy Ways to Get the PayMaya card

Acquiring a valid PayMaya card is fast and easy.

Before you can use any feature of the PayMaya, you need to register for an account first. Here’s how:

  1. Download the PayMaya app from the App Store or Google Play Store.
  2. Fill out the online form. Once done, tap the Continue button.
  3. Read the Data Privacy Policy page and tap the Agree button. PayMaya will send you a verification number via SMS. Enter that number in the app and tap “Verify.”
  4. Tap the View Card button.
  5. Enter your address and birthday.
  6. Enter the required information under the Online Payment Card Number page. You’ll receive a confirmation of your PayMaya account activation.

How to Get a Virtual PayMaya Card


Can Overseas Filipino / Foreigner send Money to PayMaya?

Filipinos from abroad can send Money to any PayMaya accounts. Provided that, they also have an account. A foreigner can do as well, as long as the information provided during the sign up for an account was accepted by the system. For OFW’s, you can also ask your relatives in the Philippines to load your up your account.

The only thing is, OFW’s and foreigners have few alternatives in loading up funds in their PayMaya account. In order for them to load it, the best thing they could do is to transfer their fund from Pay Pal to their PayMaya. In this manner, they send money to PayMaya.

PayMaya vs. Credit Card

PayMaya is the best alternative for credit cards. Compared to applying for a credit card you need to present a lot of documents and at least you meet the minimum monthly or annual income required by the company. Together with some terms and conditions. If you haven’t met one of these. The result could be very frustrating. Your application will be rejected.

Aside from documents free, it is also hassling free and the application is affordable, along with this your account and your physical card are also secured like how credit card companies secure their clients.

All you need to do is to sign up for an account and you’ll get your PayMaya virtual Visa card.

Download the PayMaya application from google store and you can already use your virtual credit card through your smartphone.

If you want to use your physical card, you must link and activate it using your PayMaya account. You can use the physical card to withdraw from any ATM’s with BancNet logo either locally or internationally. Using either a virtual card or physical card you can do cashless payments to any physical stores and online stores that accept Visa payment like:

Booking for flights Buying for movie tickets Online Shopping
Booking for hotels Buy stream credits Order food online
Book for an Grab Buy for concerts tickets Shopping at SM
Reservations Buying for online apps Shopping at Robinsons
Pay utility Bills Subscribe to Netflix LRT/MRT/Buses

If you want to use PayMaya Visa card for LRT, MRT, and Buses, you must have PayMaya Visa Card with Beep. You can buy this card on the 44 stations of LRT1, LRT2, and MRT3 or in the Ticket Vending Machines (TVMS) as well as in the BGC Bus Ayala and Market! Market! Terminal. For buses this only available in Citylink’s McKinley Hill to MART Magallanes- San Lorenzo Place route, HM Transport Airport Loop, and BGC busses. To identify it easily, buses that accept Beep Cards carry the Beep logo on their buses. Remember that your PayMaya Visa Card Wallet is separate from your Beep Wallet. In that case, you can only load up your Beep card on the places where you can purchase it.

Beginning July 2018, only the Add Money Code option will be accepted at the following Add Money Partners:

1. Cebuana Lhuillier
2. Posible.Net
3. iBayad
4. Shopwise
5. Wellcome
6. ECPay
7. TouchPay
8. Bayad Center
9. Expresspay
10. Pay&Go
11. eTap

Another good thing about PayMaya virtual credit card is it help account holders, to stay away from debt caused by being “swiper.” Unlike credit cards, you can manage your own funds so, you’re aware when to use your PayMaya card because what you use is your own money and you cannot go for over spending.

As of this time, you cannot transfer your funds from PayMaya to different banks. What you can only do using BDO and UnionBank is to load up your account through their mobile banking system.

How to Withdraw PayMaya Funds from ATM Machine

  • To withdraw your funds from any BancNet ATM here and abroad through your PayMaya physical card, just follow these steps:
  1. Use your ATM PIN to transact.
  2. Once card is inserted, select savings and indicate the amount to be withdrawn.
  3. The standard ATM withdrawal fee of ₱15.00 applies. For Land Bank ATM terminal there’s ₱5.00 withdrawal fee.
  • You may also try to withdraw your funds from these following ATM terminals:
  1. United Coconut Planters Bank – ₱15.00
  2. Union Bank of the Philippines – ₱15.00
  3. PNB – Philippine National Bank – ₱15.00
  • A friendly reminder, your account must be fully upgraded before you can enjoy this feature. For information on upgrading of your account, follow the step-by-step procedure below.

Why would someone want to get an upgraded card rather than an ordinary one in the first place?

The answer is–to get the most out of it. Upgrading your PayMaya Visa card will give you advantages such as allowing you to withdraw cash from the physical card, and enable you to send money to anyone using the same card.

upgrade-paymaya-account.jpg
Image Credit PayMaya

Not to mention that you will be able to use it as a beep card to pay for LRT/MRT fares. PayMaya Visa card can also be used in the locally and internationally to purchase from establishments which accepts this card.

Some may not be aware of this, but upgrading a PayMaya Visa Card has no premier upgrade cost and trouble-free. To give you a guide, read the instructions below:

PayMaya.png

Step 1: Log in to your PayMaya app using the information you have used to sign up for your account.

Step 2: For IOS: Tap More, then click Upgrade for FREE.

For Android: Open the drawer and tap Upgrade for FREE.

Step 3: Fill out the fields and answer the given questions to submit application, such as work details, photo of a valid ID with picture (e.g. driver’s license, student ID)

  • PayMaya Philippines, Inc. requires one (1) primary ID or two (2) secondary IDs. Listed below are the IDs categorized as Primary and Secondary.

paymaya_requirements

Step 4: Wait for the upgrade validation code which will be sent to the mobile number you used to register your PayMaya account.

Step 5: Complete your validation through any of these methods:

A. For minors (Applicants below 18 years old), please have your parent/guardian sign a consent and provide a copy of their valid ID to complete a validation.

B. Video call- like the PayMaya’s Facebook page and send them a private message. One of the validation officers will attend with your concern. A representative will send you a friend request and do a video call wherein you will show your valid ID.

C. Proceed to the nearest Bayad Center branch – Download a [form], print and fill out along with the upgrade validation code send by PayMaya via SMS. Bring a valid ID and present it at the Bayad Center counter View Bayad Center Near You.

D. Smart Pinoy Center, HK – for customers currently residing in Hong Kong, validation can be done at Smart Pinoy Center in Shop 109, World Wide House Plaza, 20 Des Voeux Road, Central Hong Kong.

Once the upgrading process is completed, you will now be able to enjoy PayMaya’s full perks conveniently for any transaction that will require you to use a card! It can also be realoded easily by going to the nearest Smart loading station.

PayMaya is truly an impressive platform that enables non-credit card holders to enjoy a stress-free purchase whether in a physical or online store.

How to Reload Paymaya Account Faster?

A Quick Guide to Reloading Your Paymaya Account. You can load up at various loading stations of PayMaya Philippines:

7-Eleven Cliqq Kiosks

  1. Find the Cliqq Kiosk inside the store.
  2. Select “e-Money”, then “PayMaya”.
  3. Enter the desired load amount and the recipient’s PayMaya mobile number.
  4. Get your receipt from the kiosk.
  5. Present your payment to the cashier.
  6. Wait for an SMS confirmation before leaving the store.

Robinsons Business Center

  1. Go to the Robinsons Business Center area inside Robinsons Department Store and approach the cashier to inform that you want to load up PayMaya.
  2. Fill out the transaction form and provide the recipient PayMaya mobile number and desired load amount.
  3. Present a valid ID (student ID is also accepted) along with your payment.
  4. Wait for an SMS confirmation before leaving the store.

SM Business Services

  1. Go to the SM Business Services section inside the SM Department Store and approach the cashier to inform that you want to load up PayMaya.
  2. Fill out the transaction slip and provide the recipient mobile number and amount of load.
  3. Present a valid ID (student ID is also accepted) along with your payment.
  4. Wait for an SMS confirming before leaving the store.

BDO Online Banking

  1. Log in to your BDO online/mobile account and select “financial services” then “bills payment” then “pay bills”.
  2. On the “pay this company/biller” option, choose “PayMaya”.
  3. On the “subscriber number” field, enter the PayMaya mobile number in this format: 639XXXXXXXXX
  4. In the “subscriber name”, enter the recipient’s name, then click submit.
  5. Wait for this message to appear: “You have successfully paid your bills” along with the payment details.

SMART Money

  1. For Smart Money account holders transferring money to PayMaya, go to Smart Money SIM Menu and select “transfer”.
  2. Select “others”.
  3. Enter 8877+mobile number of the PayMaya load up recipient
    (e.g. 88779181234567)
  4. Enter the amount, your WPIN, then click SEND.

SMART Padala

  1. You can load up your PayMaya at selected SMART Padala Centers. Approach the cashier and inform that you want to load up PayMaya.
  2. Fill out the transaction form and provide the recipient mobile number and amount of load.
  3. Present a valid ID (student ID is also accepted) along with your payment.
  4. Wait for an SMS confirmation before leaving the store.

Pos!ble.Net

  1. Find an outlet with a POS!BLE.NET logo and inform the cashier that you want to load up your PayMaya.
  2. Identify your PayMaya mobile number and load amount
  3. Present your payment to the cashier.
  4. Wait for an SMS confirmation before leaving the store.

UnionBank via ATM

  1. Insert your UnionBank ATM card and choose “bills payment”.
  2. Choose the account number where the load will be sourced and then select “PayMaya”.
  3. Enter the PayMaya mobile number you want to load up and the amount of load desired.
  4. Once load up is successful, a transaction receipt will be printed out.

2GO Express

  1. Inform the cashier that you want to load up your PayMaya with your desired amount.
  2. Identify your PayMaya mobile number and load amount.
  3. Present your payment to the cashier.
  4. Wait for an SMS confirmation before leaving the store.

10. Shopwise

  1. Go to the bills payment section of Shopwise and approach the cashier to inform that you want to load up PayMaya.
  2. Identify your PayMaya mobile number and load amount.
  3. Present your payment to the cashier.
  4. Wait for an SMS confirmation before leaving the store.

Wellcome

  1. Go to the bills payment section of Wellcome and approach the cashier to inform that you want to load up PayMaya.
  2. Identify your PayMaya mobile number and load amount.
  3. Present your payment to the cashier.
  4. Wait for an SMS confirmation before leaving the store.

  1. Inform the cashier that you want to load up your PayMaya with your desired amount.
  2. Identify your PayMaya mobile number and load amount.
  3. Present your payment to the cashier.
  4. Wait for an SMS confirmation before leaving the store.

Global Access

  1. Inform the cashier that you want to load up your PayMaya with your desired amount.
  2. Identify your PayMaya mobile number and load amount.
  3. Present your payment to the cashier.
  4. Wait for an SMS confirmation before leaving the store.

Gaisano

  1. Inform the cashier that you want to load up your PayMaya with your desired amount.
  2. Identify your PayMaya mobile number and load amount.
  3. Present your payment to the cashier.
  4. Wait for an SMS confirmation before leaving the store.

TouchPay

  1. Visit a Touchpay kiosk. On the display screen, choose “e-Money” then pick “PayMaya” as the service.
  2. Enter the PayMaya recipient’s mobile number then the amount of load.
  3. Insert your exact cash payment in the machine (kiosk does not provide change).
  4. Wait for an SMS confirmation before leaving.

Palawan Pawnshop

  1. Go to a Palawan Pawnshop branch and inform the cashier that you want to TopUp your PayMaya account
  2. Identify your PayMaya mobile number and load amount.
  3. Present your payment to the cashier.
  4. Wait for an SMS confirmation before leaving the store.

Bayad Center

  1. Inform the cashier that you want to load up your PayMaya with your desired amount.
  2. Identify your PayMaya mobile number and load amount.
  3. Present your payment to the cashier.
  4. Wait for an SMS confirmation before leaving the store.

10 Best PayMaya Alternatives For Online Payment in the Philippines

Payment services platform nowadays are very popular for sending and receiving money through online. With this simple and affordable payment systems, you can now buy things online.

Are you looking for an PayMaya like payment services without a need for credit card? Here are the best 10 alternatives to consider.

1. Smart Money

Smart Money is an e-wallet service which provides online payment services for merchants and online shoppers in the Philippines.

Regardless of the possibility that the recipient may not have a SMART Money account. Account holders can transfer funds to Smart Prepaid, Smart Postpaid, Infinity or TNT subscribers by simply sending it to their smart mobile number.

Smart-Padala.png

Along with this, account holders can use this for shopping online and pay their bills.

An amount of ₱5.00 will be debited for the first ₱1,000.00 while an amount of ₱2.50 for every ₱500.00. While smart money airtime fees are free for domestic money transfer.

The service is available for Smart Postpaid / Smart Prepaid and TNT subscribers with or without an active BDO Smart Money Account.

However, transfer of funds to non-Smart subscribers are not allowed by the system.

2. Globe GCash

Globe G Cash is similar to Smart Money, it only allows Globe and TM subscribers to avail its services. But for remittances, it is not necessary that the recipient must be a subscriber.

Globe-GCash.png

In terms of online transactions, a website which is affiliated with GCash provides the instructions on the website on how to pay using GCash or you may opt to use GCash American Express Virtual Pay. Unlike Smart Money, the following services of GCash are free of charge:

  • Balance Inquiry
  • ₱1.00 to ₱40.000
  • Change PIN
  • Check Last Transaction
  • Suspend Service
  • Re-activate Service

3. Rcbc Visa debit wallet card

RCBC-Visa-Debit-Wallet-Card.png
MyWallet Visa card is accepted locally and internationally. Through the MyWallet Visa card, you can Send money to anyone within the Philippines. Pay Bills, shop online and do cashless shopping.

There are no transaction fees for purchases made at any BancNet or Visa accredited merchants. However, there is a charge of ₱27.50 for every fund transfer transaction.

4. COINS.PH

Coins.ph is a trading platform for bitcoins. That offers payment services for merchants and consumers. You can request and send payments by merely sending to any recipient who has a phone number, email address or your Facebook friend. Consumers who don’t have an account doesn’t necessarily need to have an e-wallet. They just need to proceed to an affiliate store such as 7-eleven to send their payment.

Coinsph.png

There is no fee for paying bills and for buying loads. The fees for cash in and cash outs depend on the amount and the payment option.

To avoid fees:

  • Cash into your Peso Wallet via BDO online or BDO cash deposit to get 100% of your cash-in fee back.
  • Cash Out via coinsXpress Cardless ATM Instant Payout (24/7). Then claim your Cash Out at any Security Bank ATM, even if you don’t have an account or debit card.

5. PESO PAY

pesopay.png
Peso Pay provides secure and seamless electronic payment solutions for both SME’s and large enterprises. This payment system allows merchants to accept online payments, from credit cards, debit ATM cards, over the counter payments, e-wallet payments, and via PayPal.

In using their services Peso Pay charges an undisclosed amount for annual set-up, from the payments received and a chargeback handling fee.

6. Weepay

weepay
Weepay is a Merchant Service Provider (MSP) of Metrobank Card Corporation and BancNet. It is an e-Merchant Aggregator of BancNet and MegaLink for Online Payments. Beside this, it authorized Merchants with websites to accept online payments from all the banks accredited by ATM.

7. Dragon Pay

DragonPay.png

If you have an e-commerce website, you can use the dragonpay’s payment system. Customers can pay online via banks, PayPal or over-the-counter.

Here is how a merchant charge for every transaction:

CHANNEL TRANSACTION COST
Online Banking ₱10.00
Over-the-Counter (OTC) Banking ₱15.00
Over-the-Counter (OTC) Non-Banks ₱20.00

Merchants who sell items for ₱200.00 have the option to be charged for 5 5% of the total transaction.

8. SKRILL

Skrill
Skrill is a European based company that offers a free charge for the first transaction. Its payment system permits money transfer to those who has skrill wallet and to anyone with email and phone number. Likewise, it can also send money to those who has an active Smart Money or Globe Gcash in the Philippines.

After the first transaction, there is a 1.9% fee for sending or money transfer which is capped at €20 equivalent. In addition, skrill charges 3.99% for currency conversions into Philippine Peso (PHP).

9.Payoneer

Payoneer
Payoneer is the counterpart for PayPal, who offers online payment services with minimal charges.

Sending money, making payments and receiving payments from clients who use Payoneer is totally FREE. But, if you will receive the money using the Global Payment Service of Payoneer there is a charge of 1% for USD currency only.

Through their billing services, you can request payments. With a 3% charge to credit cards and 1% for eCheck USD.

10. PAY PAL

Pay Pal is the most known provider for online payment service. However, during this time a lot of freelancers find difficulties in using this service. Aside from its expensive charges, withdrawal of funds sometimes is neither on time nor in time. In some cases, it could be delayed for more than a month.

Concerning to fees, pay pal has the highest rates among others. Withdrawing beyond ₱7,000.00 has no withdrawal fee while less of it has a fee of ₱50.00 plus a return fee ₱250.00 for both.

PayPal

On the other hand, there is a fee of 2.9 % plus a $0.30 USD of the amount sent. Which is either the sender or the receiver can pay for it. This also applies if you click Request Money on the PayPal website.

On a merchant’s side, there is a charge of 4.4% + ₱15.00 on every sale he makes outside eBay. If the sale is inside it will be 3.9% + ₱15.00.

The following fees are the reason why most Filipino look for Pay pal encashers. Such as PayMaya, because it credits the 250-withdrawal fee from PayPal on your Pay Maya account.
Have something to add to this story? Share it in the comments.

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Jhops
Jhops

Can I use the paymaya here in Hong Kong?if I can where can i top up?

roxanne
roxanne

how can i avail this card im here in the UAE right now.

jane
jane

how can i avail paymaya card

michelle
michelle

Hi i ordered paymaya card online but i need asap and i cant wait. If i buy it on sm stores how long does it take or are they going to give me the card on that day or i need to wait also?

Rocky Claus
Rocky Claus

I want to have the physical paymaya card.

wellze
wellze

hi just want to ask. about the physical cards with you full name and the other which doesnt have, is this all the same uses and function?

Carlo miguel Ponce
Carlo miguel Ponce

How can you get a card with your name on it

Robert Bosch
Robert Bosch

Good day! I really wanted to have my physical copy of the card so yesterday i went to an sm business center and also a smart store on sm san lazaro and they said they only load om the card but does not sell the physical cards. Can you please tell me specific locations of sm business centers or smart centers so that I won’t have to waste time and effort? 🙁

SOC CARMELO
SOC CARMELO

It say in the Ad, Sold out na daw ang cards, How can I get one?

bobolangbobotokilabonggoatbato
bobolangbobotokilabonggoatbato

Do not use paymaya! They will not help you if you lose your money with them. Read the terms and conditions. Even if it is their fault, they will not be held liable. I advise you to stay away from them.

Natsu
Natsu

Would you know if there is a conversion fee if I used paymaya outside PH?