How To Make Money In Paymaya

PayMaya is a mobile app which you can use to do several financial transactions such as money remittance, buying load, online shopping, paying bills, and more – with no need for credit card.

It's a digital wallet on your smartphone, similar to other mobile financial platforms like Coins.ph and GCash.

Paymaya provides the same convenience on using different types of financial services – whether online or brick and mortar stores.

Perhaps you've probably seen signs from Starbucks saying 'We accept Paymaya' and seen customers pay just by scanning some code in front of the cashier. Well, you can also use Paymaya but first you need to register and have an account on them.

If you're curious about Paymaya app, here's our helpful guide to get you started.

PayMaya App – How To Use

Before you can use the many features of the PayMaya application, you need to register first. Here's a step by step guide to help you get started in PayMaya app registration.

Step (1) Connect online and download the PayMaya app from the Google Play Store (for Android) or App Store (for iPhones). Open the PayMaya app.

Step (2) Register for new account. Answer all the needed information from online form. Register your complete name, mobile number and email. Set a strong password.

Step (3) Read Paymaya's Privacy Policy and Terms of Use, then click "agree".

Step (4) You'll then receive a confirmation text with verification number from Paymaya. Enter that number from the SMS message into the app and then click "verify."

Paymaya will send you a message that you're now registered. However, these are only the initial steps that will allow you to have access to basic and limited features of the app. Proceed on the final step.

Step (5) Click the My Cards tab. Click Online Payment Card Number. Fill in your full home address and birthday. Enter other needed information on the Online Payment Card Number. Click done.

You'll then receive a confirmation text that you've activated your PayMaya account.

You're now ready to login to the Paymaya app. However, to fully use all of the features, you have to initially load money.

How To Upgrade Your PayMaya Account

There are many benefits when you upgrade your PayMaya account. An upgraded account allows you access all the features in the PayMaya home screen.

Some of the best features if you're upgraded is that it allows you to easily send and receive money through the app, while also letting you withdraw cash from your account.

Here are the steps if you want to upgrade account through the PayMaya App

Log in the PayMaya app.
Tap the Menu icon in Android or More in iOS)
Then tap "Upgrade for Free."
Be sure to completely fill out the upgrade form on the page
Using the Camera, take a picture of a valid ID like UMID, Driver's License, PRC
Click "Submit."

PayMaya app would then send you through SMS a validation code to confirm your identity.

PayMaya Virtual Cards And PayMaya Physical Cards

Paymaya card are prepaid cards, similar to debit cards, which means you can only use money that's already in the PayMaya account balance. You need to have money in your account balance for you to purchase online and in stores. They are not credit cards.

There are two types of PayMaya Cards: virtual card and physical card. Both are prepaid cards/debit cards.

Why Are My Paymaya Virtual Card And Physical Card Numbers Different?

The different card numbers allows each card to be used on its purpose, virtual card for online purchases and physical card for establishments. The different card numbers also provides a layer of security.

How To Get a Virtual PayMaya Card

PayMaya offers a virtual prepaid card from Mastercard or Visa. You can get this virtual card when you login on the app.

After you initially registered in the app, access virtual card in "My Cards". Follow the set-up by filling in the form and verification process.

You need to add money to the virtual card to start using it for online transactions. Load P100 to your PayMaya account and it will activate the virtual card.

Can You Choose Mastercard or Visa For Your Virtual Card in Paymaya?

Getting a Virtual Mastercard or Virtual Visa Card will depend on your registration.

As of this writing, their system based it on the mobile number and what cellular network it belongs. Here's how Paymaya issues the type of virtual card:

Mastercard Virtual Card – Issued to Smart, Talk n Text, Sun mobile numbers.
Visa Virtual Card– Issued to Globe, TM and other non-Smart numbers.

View PayMaya Virtual Card

The PayMaya Virtual Card is built in and will be provided after you register and upgraded your account. To see your virtual card details:

Tap "My Cards"
Tap "Online Payment Card Number"

You'll readily see a virtual card with your full name, card number, expiry date and CVV2/security code. The design or color of the Paymaya virtual card can change from time to time. It will be automatically generated based on your registration.

The details you'll see like full name, card number, expiration and CV2 will be the ones you need to provide when you make online purchases.

Can I Use My Virtual Card For In-Store Purchases?

No, you can't use the virtual card in establishments for in-store payments (like coffee shop, supermarkets, department stores, etc)

You can only use virtual card for online purchases and/or subscriptions.

You can use the PayMaya virtual card when you shop online in Shopee, Lazada, or Amazon. You can use the virtual cards when your order in Food Panda or Grab. You can also use this virtual card to pay subscriptions to Netflix or Spotify, or make game or in-app purchases.

If you want to use Paymaya in establishments, you should use a physical card instead.

How Do I Withdraw Money From My PayMaya Virtual Card?

There are several ways you can withdraw money from PayMaya Virtual Card. Take note that the money in your PayMaya account is the balance you have in the virtual card.

I found two ways to conveniently withdraw money from PayMaya:

Option (1) Transfer to a bank. Transfer money from PayMaya to a bank where you have an account and ATM. For instance, if you have a BPI ATM, follow the process of transferring money from PayMaya to Bank.

As soon as the money is transferred to your bank's ATM, you can now withdraw it. Take note that there will be transfer fees and process fees depending on the bank.

Option (2) Use PayMaya physical card. Withdraw money from your physical PayMaya card via ATM.

If you got the Paymaya physical card and its already linked and activated (with PIN set-up) in the app, you can readily withdraw on any ATM with Mastercard or Visa logo, local and abroad.

What To Do If My PayMaya Virtual Card is Blocked?

The virtual card get blocked if you enter wrong card details or you enter unsuccessful attempts of the correct One Time Pin or OTP

If you can't use the virtual card because it's blocked, just contact PayMaya Support. You can call them at 632 8845 77 88.

You can also contact them at PayMaya Support: https://cares.paymaya.com/s/contactsupport

Also try sending them a message at PayMayaCares on Facebook:https://m.me/PayMayaCares

Activating the virtual card again usually takes 24 hours.

What Is PayMaya Physical Card?

Aside from the Paymaya virtual card, you can also get a Paymaya physical card. This is an external prepaid MasterCard or Visa card that you can use just like any debit card.

PayMaya's physical card will be the one that you can use on your favorite stores, restaurants, and shops. It can be used on establishments locally and abroad where debit cards are accepted.

This PayMaya external card should be the one you should use in contactless payments in stores, which allows you just tap the card on the establishment's contactless POS terminal for faster payments.

There are three types of physical card from Paymaya:

Beep card – Pay by swiping card. It also comes as a Beep Wallet.
EMV chip card – You enter 6-digit PIN when paying in stores.
PayWave Card – You tap the card at PayWave enable shops

How To Get PayMaya Physical Card Online

You can get the physical card by by purchasing in business centers of malls. You can also order it online.

Option (1) Purchase card in a business center. You can get the physical card in business centers and other partner establishments. Mostly it's available in business centers in SM Malls, Ayala Malls, Robinsons Malls, among others.

Option (2) Purchase card in Paymaya Store (App). You can access the PayMaya store in the app.

Tap "My Cards", then at the bottom of the section, right below the line 'Do more with PayMaya Card!', tap "Get it Here"

Option (3) Purchase card in Official Paymaya store (Website). You can also order from the Official Site of the PayMaya Online Store.

One PayMaya card costs ₱200. It also comes in packages of two, three, and five pieces.

If you order online, the delivery usually takes 5-7 business days within NCR. It could take 7-10 business days for those ordering from provinces.

Get the physical PayMaya Card by ordering from their official online store here: https://store.paymaya.com/

Important: As soon as you have the physical card, you have to link this external card to the PayMaya app. See the next section for a guide.

How to Link PayMaya Physical Card To PayMaya App

You have to link the physical card to the PayMaya app. This will sync the balance in the app to the external card.

After you link, this allows you to easily withdraw funds from PayMaya account through any ATM or used it to make payments in stores. PayMaya app also tracks all the transactions of the physical PayMaya card.

Log in to PayMaya account.
Click Menu icon in Android Smartphone or More on iPhone.
Tap My Cards
Tap Link PayMaya Card.
Enter details from the physical PayMaya card.
Type in a six-digit PIN.

Be sure to provide PIN that you can easily remember, but not necessarily in your personal profile.

You'll use this PIN when you withdraw on ATM or when you make card payment on stores.

How To Withdraw From PayMaya Via ATM

If you want to withdraw money from PayMaya, you can do so through ATM in Philippines as well as International ATM's with Mastercard and Visa Plus logo when you're abroad.

There are ATM withdrawal charges and services fees based on banks. Here's what you need to do to withdraw cash from your PayMaya account.

Keep in mind that the physical PayMaya card need to be linked to your PayMaya account.

This is where you will set up the 6 digit PIN you will use in ATMs.

To withdraw using physical card in an ATM:

Insert PayMaya physical card.
Choose "Savings"
Enter physical card PIN
Type desired amount to withdrawal
Get your cash and receipt.

How To Add Money In PayMaya – Bank App And Partner Establishments

There are several ways to add money to PayMaya. Two convenient methods to add money in PayMaya is using bank app and through PayMaya Cash In partner establishments.

Add Money To PayMaya Using Bank Apps

Just open the bank app, find and tap "Send/Request". Choose "Other banks/e-wallets"

PayMaya can be found in dropdown of Select Bank.

Scroll and find PayMaya Inc. Then fill in details of transfer such as name of recipient, PayMaya account (mobile number used to register in PayMaya), purpose.

Bank apps may vary in terms of features, but if you can find PayMaya Inc in List of Banks, the process is the same.

The bank app will send email and SMS to confirm the transaction. On the other hand, PayMaya, will also send a text informing you that you received money.

Add Money To PayMaya Via Partner Establishments

You can also add money to your PayMaya account at establishment partners like convenience stores, business centers, remittance centers, department stores.

Following are the current Paymaya cash-in partners:

7-Eleven
MiniStop
Alfamart
Robinson Department Stores
The SM Store
Gaisano Capital
Palawan Express
Tambunting Pawnshop
RD Pawnshop
Pera Hub
DAS
LBC
Bayad Centers

There are also self-service kiosks in Mercury Drug, Super8, Lawson, Landers.

How To Receive Money In PayMaya

If you've already registered to PayMaya and now want to receive money, tell the sender your PayMaya account name and account number.

The account name is the full name you have in your profile, while the account number is the mobile number you used in registration.

It's just your full name and mobile number you used when you registered.

How to Send Money to PayMaya To Banks And Other Digital Wallets

After you upgraded your PayMaya account, you're now allowed to transfer funds from your account to another PayMaya user. You can also transfer money to other financial platforms. Here are steps to transfer funds from PayMaya

Step (1) Log in to PayMaya app

Step (2) Tap "Send Money"

Step (3) Choose bank from dropdown list. You can also find e-wallets in dropdown list.

Step (4) Fill in the account details such as name and account number (for banks) or account name and mobile number (for digital wallets like PayMaya GCash, CoinsPH) of the person receiving the funds. Place the amount to transfer.

Step (5) Review the transaction details. Press "Send."

PayMaya will send confirmation of the transaction through SMS.

PayMaya To GCash

If you've just used PayMaya, you might be wondering if you can transfer money to GCash. Considering the two are completely different platforms and from competing companies, the common query from PayMaya and GCash users is if you can send money between the two e-wallets. Well, yes! You can transfer funds from from PayMaya To GCash

How To Transfer Funds From PayMaya To GCash

Here's how to transfer from Paymaya to GCash:

Step (1) Open app PayMaya and login.

Step (2) Find "Bank Transfer" in homescreen and tap.

Step (3) Select Bank: Scroll down to "GCash" from the list.

Enter amount to send and purpose. Fill in the details of the GCash recipient such as the account number (11-digit mobile number associated with GCash), First Name, Last Name, and phone. Tap "Continue"

The confirmation page will show the details of the transaction.

PayMaya to GCash Confirmation

After you tap Send, PayMaya will now process your request and will send you an SMS for a successful transaction.

GCash will also send an SMS confirmation that it has received money from Paymaya Philippines.

The transfer happens instantly and within seconds. For every successful transaction, you will usually receive a text. An example of text you will receive:

"Approval of PHP500 (amount you sent) transfer from 1234 5678 910 (your PayMaya virtual card number). Available balance: PHP2000 (your account balance) with Reference Number"

If the transaction is not successful, Paymaya will also inform you through SMS that it has not follow through.

"Oh no, something went wrong with your transaction to (recipient). Please try again later"

How To Transfer Money From Paymaya To Gcash Not Verified?

If the recipient GCash account is not verified, you would not be able to transfer money from PayMaya. The GCash basic user only allows cash in (over the counter).

I recommend that you get fully verified on such platforms to enjoy full features. If you'll be sending to another person, tell them also to get fully verified. Getting verified only takes a couple more steps and can be done in couple of minutes.

Paymaya to GCash Transfer Fee

The transfer fees from PayMaya to GCash changes from time to time. At the moment, it uses transfer service InstaPay which is free.

Paymaya to GCash Not Received

If you made a transaction in Paymaya to send money to GCash and it didn't follow through, you can contact Paymaya's official support platforms.

Send the details of your transaction like the date, time, phone number, amount, reference number to Paymaya's support.

As much as possible, contact PayMaya support after 24 hours after the transaction.

You can send PayMaya an email: https://cares.paymaya.com/s/contactsupport

PayMayaCares on Facebook:https://m.me/PayMayaCares

Link PayMaya To PayPal

If you're a business owner, entrepreneur, professional or freelancer, you may need to receive and/or send payments using PayPal.

How To Link PayMaya to PayPal

You can transfer funds between the two systems, but you need to link PayMaya and PayPal. Here are steps to link your accounts.

Step (1) Log in to PayPal

Step (2) On the dashboard, go to "Wallet"

Step (3) On "Credit Cards," click the "Link a card."

Step (4) Log in to PayMaya App

Step (5) Go to "My Cards". Click "Online Card"

Step (6) Get the info from PayMaya virtual card such as card number, month/year of expiration and CVV

Step (7) Go back to PayPal and enter the PayMaya virtual card details.

Be sure that you enter the same address in PayPal with the one you have on PayMaya

How To Transfer PayPal Funds to PayMaya Account

Do you need to transfer funds from your PayPal account to PayMaya, here's what you need to do:

Log in to your PayPal account.
On Summary page, under PayPal balance click "Withdraw funds."
Enter the amount that you like to transfer. (PHP 500 min. withdrawal).
Choose the PayMaya card that you linked. Click "Continue".
Confirm the amount and details for transfer.

There's PayPal withdrawal fee that will be charged to the PayMaya account. Expect the transfer within one to five business days.

How to Use the PayMaya QR Code

The PayMaya QR is a convenient feature you can use where you scan to pay. This allows you to pay for your items you bought on merchants that accept Paymaya.

For instance, you can pay in stores like 7/11, Mercury Drug, Starbucks, SM Supermarket among many others. When you make a purchase, just scan the cashier's QR code using the Paymaya app from your smartphone.

QR Codes can also be used to request money or accept payments.

To use Paymaya QR, be sure to connect online. The store need to have a PayMaya QR at their counter. Here are simple steps to pay thru the app's QR code:

Open the app, then tap the 'Scan' button located at the home screen.
Properly align the small square (QR code) to fit on your phone's screen.
It will then ask you to enter the payment amount.
Click "Continue." Verify the details, then click "Pay."
Show the confirmation message to the shop cashier.

How To Buy Load Using PayMaya App

You can also buy load for Smart, TNT, Globe, TM using the Paymaya app. You can choose from packages on prepaid text, call, and data to load any mobile number from the said networks.

You can likewise buy Steam, Garena, and other gaming credits on Paymaya. Also available is prepaid Cignal's cable subscription.

If you'll be sending load to other people, just toggle the button: "Send as Gift". Then it will ask you to enter the mobile number of the recipient.

After you choose the desired load packages, enter necessary details like phone number and amount.

Press "Continue", check, verify, and then tap "Buy."

PayMaya will send confirmation of your purchase through text and email.

How To Pay Bills With PayMaya App

If paying bills make you worry every month, you can completely remove this from your to-do list and replace with other meaningful activities. Just use PayMaya App's Bills Payment service.

With just a few tap, you'll be able to pay your different bills such as water, electricity, cable, telco, insurance among many others. Paymaya also has payment facilities for government payments such as NSO certificates, NBI clearance, Pag-Ibig contributions.

There's nothing more stressful than you're on a payment deadline and you have to travel and fall in line just to pay bills. Just pay your bills wherever you are with the PayMaya app.

Here's a step by step guide when paying bills using PayMaya App:

Log in to the PayMaya App.
Tap "Pay Bills".
Choose from the list of biller for the services you need to make a payment.
Enter account name, number and other details asked by the biller.
Enter the amount you need to pay.
Review the details and confirm the payment.
Finally, tap "Pay"

Unlike other apps, there's no need to enroll a billing account when you pay bills through the PayMaya app.

As soon as the system processed your payment, you will get a notification and reference number to confirm the transaction. (Take note that this is not an official receipt.)

How To View PayMaya Deals and Discount Offers

PayMaya most of the time publish promos, giveaways, deals, and sales through their official website.

They also post the latest deals on their social media like Facebook, Instagram and Twitter.

Likewise, they do provide notifications of all their news and announcements through the app.

To get the latest deals on PayMaya, just tap the Promos in Menu. This would take you to their Stories blog. Browse their various promos and offers.

Conclusion

As you can see, PayMaya is useful in many ways. It has many features such as virtual cards, remittance, transferring funds, receiving money, paying bills, buying load, contactless payments, online shopping, promo deals and many more.

By the way, if you still haven't registered in PayMaya, you can do so with my referral, both of us would receive a bonus.

Get a reward when you sign-up to PayMaya using my invite code. Send money, buy load, scan to pay and more.

❤️ To get a bonus, just copy and paste the following code in the referral field of PayMaya's sign-up form:

KY6L9WKE1781