How to Use Paymaya App: A Complete Guide for Newbies

Published: September 30, 2020 | Updated: January 13, 2021 | Posted by: Venus Zoleta | Personal Finance


Paymaya App Complete Guide for Filipinos | Moneymax

PayMaya is known as one of the best reloadable prepaid cards in the Philippines, as it allows several financial transactions without the need for a credit card.

It also has an app similar to mobile wallets such as GCash and Coins.ph that can help you conveniently pay your bills and purchases, send money, and avail other money services without using cash anytime and anywhere.

Planning to use PayMaya? Check out this comprehensive PayMaya app guide for beginners.

How to Start Using the PayMaya App

paymaya app guide - paymaya logo

Steps to Register for a PayMaya Account

Before you can use any feature, you need to create PayMaya account first. Here are the steps to PayMaya registration.

  1. Download the PayMaya mobile 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.

Got your PayMaya account activated? Remember that you have to add money on your PayMaya account first.

How do I add money to my PayMaya account?

Cashing in with PayMaya is simple. Just follow these steps:

  • Log into your PayMaya App.
  • Tap “Add Money”.
  • Select the Add Money Partner of your choice.
  • Follow the instructions given from the Add Money Partner of your choice.

Is there a fee to add money to a PayMaya account?

The PayMaya cash in fee is free of charge in select Add Money channels as long as it is within the PHP 10,000 monthly threshold. When you exceed your monthly threshold, a convenience fee of 1% will be deducted from your credited balance. However, take note that PayMaya will only charge the 1% convenience fee when you add funds via over-the-counter channels. Use digital channels instead to avoid such fee.

Meanwhile, sending money from PayMaya to other banks and e-wallets via InstaPay will remain free until Oct. 31

PayMaya Cash In Options

There are many ways to add money to your PayMaya account. See the PayMaya Add Money channels below:

PayMaya Cash In via Online and Mobile Bank Transfer

Mobile and Online Bank Transfer via InstaPayMobile and Online Bank Transfer via PESONet
AUBBank of China
BPI and BPI Family Savings BankCitibank
Cebuana Lhuiller Rural BankCTBC Bank
China Bank SavingsDevelopment Bank of the Philippines
CIMB Bank PhilippinesEastWest Bank
EastWest BankHSBC
Maybank PhilippinesKeb Hana Bank
MetrobankPhilippine Trust Company
PBComPNB
PNBPSBank
PSBankRobinsons Bank
RCBCShinhan Bank Manila
Security BankUCPB
UnionBankUnionBank

PayMaya Cash In via Convenience Stores, Malls, and Remittance Centers

Convenience StoresMalls/Supermarket/Department StoresRemittance CentersPay & Go Self-Service Kiosks
7-ElevenRobinsons Department StorePalawan ExpressMercury Drug (via Pay&Go self-service kiosks)
MinistopThe SM StoreTambunting PawnshopSuper8 (via Pay&Go self-service kiosks)
Gaisano CapitalRD PawnshopLawson (via Pay&Go self-service kiosks)
Pera HubLanders (via Pay&Go self-service kiosks)
Touchpay self-service kiosks
eTap

How to Get a Virtual PayMaya Card

How to Use PayMaya App - Virtual PayMaya Card

Aside from the physical card, PayMaya offers a virtual Mastercard or Visa card that can be accessed via its app. You can use the PayMaya virtual card to shop online. It also enables users to pay for their Spotify and Netflix subscriptions and perform other financial transactions online.

To view your virtual card, simply tap “View Card” on the top left of the app. You can start using the card only after you’ve linked it to your PayMaya app.

Steps to Link a PayMaya Card to PayMaya App

  1. Log in to your PayMaya account.
  2. At the home screen of your iOS device, tap “More” at the bottom right. For Android phones, tap the Menu icon on the top left.
  3. Tap “My Cards” > “Link Card.”
  4. Enter your PayMaya card details. Provide a six-digit PIN that you’ll use for ATM withdrawals from your PayMaya account.
  5. Tap “Link Card” again.

How to Use PayMaya QR

paymaya app guide - paymaya qr scan to pay

The PayMaya QR is a handy feature on the PayMaya mobile app that allows users to pay for their purchases in any partner store[1] without cash using only their smartphone. The SM Store, Jollibee, and McDonald’s are some of the merchants that accept payments via PayMaya QR.

The in-app service is free and quick to use. Just be sure you have an internet connection, and the store has a PayMaya QR standee at the counter.

Steps to Pay Using PayMaya QR

  1. Log in to your PayMaya account.
  2. Tap the Scan button at the top center of the home screen.
  3. Align the small square on your phone’s screen with the merchant’s QR code.
  4. Enter the payment amount. Tap “Continue.”
  5. Verify your payment details. Tap “Pay.”
  6. Present the confirmation message to the cashier.

How to Buy Load Using PayMaya App

paymaya app guide - paymaya qr scan to pay

It’s convenient to buy prepaid call, text, and data packages for Globe, Smart, TNT, and Sun through the PayMaya app. You can also buy gaming credits for Garena and Steam, as well as prepaid cable subscription for Cignal.

Steps to Buy Load via PayMaya App

  1. Log in to your PayMaya account.
  2. Tap “Shop.” On iOS devices, it’s at the bottom left of the home screen. For Android devices, it can be accessed by tapping the menu icon at the home screen’s top left.
  3. Choose the type of package to purchase: Mobile / Gaming / Others.
  4. Choose the specific package you want to buy.
  5. If you’ll be sending load to others, toggle the “Send as Gift” button. Enter the recipient’s mobile number. Tap “Continue.”
  6. Verify your purchase details. Tap “Buy.”
  7. Wait for PayMaya’s confirmation of your purchase.

Read more: Quick Guide on How to Load Your PayMaya Account

How to Pay Bills With PayMaya App

paymaya app guide - paymaya pay bills

PayMaya has a Pay Bills service in its mobile app that allows you to pay your electricity, water, telco, and cable bills in just a few smartphone taps.

Recently, PayMaya has extended its PayMaya bills payment feature to accept payments for government fees such as Pag-IBIG contribution and housing loan, NBI clearance, and NSO documents (birth certificate, marriage certificate, etc.).

To avoid late payment posting, pay your bills at least three days ahead of the due date when using the PayMaya app.

Steps to PayMaya Bills Payment

  1. Log in to your PayMaya account.
  2. Tap “Pay Bills.” On iOS devices, it’s at the bottom center. On Android devices, it’s accessed by tapping the menu icon on the top left.
  3. Choose the biller from the list.
  4. Input your account number and other details.
  5. Enter the payment amount.
  6. Review and confirm your payment details. Tap “Pay.”

No need to enroll a biller or your account number to pay bills through the PayMaya mobile app. The app doesn’t issue an official receipt, but it provides a notification that confirms payment, as well as a reference number for tracking your payment.

Read more:

PayMaya to PayPal: Steps to Link

paymaya app guide - paymaya to paypal

Are you an entrepreneur or freelancer who receive payments via PayPal? You can transfer your PayPal balance to your PayMaya account. But first, you have to link PayMaya to PayPal.

Steps to Link PayMaya to PayPal

  1. Log in to your PayPal account.
  2. Click “Wallet.”
  3. Under “Credit Cards,” click “Link a card.”
  4. Enter your PayMaya card information. Make sure that your PayPal address is the same as the address you registered with PayMaya.
  5. Click “Save.”

Steps to Transfer PayPal Balance to PayMaya Account

  1. Log in to your PayPal account.
  2. On the Summary page, click “Withdraw funds.”
  3. Enter the amount to transfer (The minimum amount you can withdraw is PHP 500).
  4. Choose your PayMaya account. Click the Continue button.
  5. Confirm the amount for transfer.

The amount (minus a PHP 250 PayPal withdrawal fee) will be credited from PayPal to your PayMaya account within two to four business days.

Read More: PayPal Account Guide for First-Time Users in the Philippines

How to View PayMaya Deals and Discount Offers

PayMaya posts about its latest promos and discounts via its social media channels. It also allows PayMaya app users to access such information through the app.

Steps to Access PayMaya Deals and Discount Mechanics via PayMaya App

  1. Log in to your PayMaya account.
  2. Tap “More” (iOS) or the Menu icon (Android).
  3. Tap “Promos.” This will take you to the PayMaya Stories blog.
  4. Browse the different promo offers from PayMaya.

How to Upgrade Your PayMaya Account

paymaya app guide - paymaya upgrade account

You can upgrade your PayMaya account for free to be able to send money using the PayMaya app and withdraw cash from your account.

Steps to PayMaya Upgrade Account

  1. Log in to your PayMaya account.
  2. Tap “More” (iOS) or the Menu icon (Android).
  3. Tap “Upgrade for Free.”
  4. Fill out the upgrade application form.
  5. Using your phone, take a picture of your valid ID.
  6. Tap “Submit.”

PayMaya will send you a validation code via SMS. You’ll use this code to chat with PayMaya on Facebook[2] and schedule a video call with an officer.

How to Send Money to a PayMaya Account

paymaya app guide - how to send money paymaya

Once your PayMaya account is upgraded, you can transfer money from your account to another person’s PayMaya wallet up to five times a day. You can even transfer money from PayMaya to GCash and PayMaya to Coins.ph. PayMaya’s Send Money service is free.

Steps to Transfer Money Through PayMaya App

  1. Log in to your PayMaya account.
  2. For iOS: Tap “Send Money.” For Android: Tap the Menu icon > “Send Money.”
  3. Key in the recipient’s mobile number. If it’s saved in your phone contact list, just press the + sign to search the number.
  4. Input the amount to send.
  5. Choose the recipient’s type of account: PayMaya, Smart Money, or GCash.
  6. Tap “Continue.”
  7. Review your Send Money transaction details.
  8. Tap “Send.”
  9. Wait for PayMaya’s confirmation via SMS.

How to Cash Out From PayMaya

You can withdraw funds from your PayMaya account via any Bancnet ATM in the Philippines and Visa Plus ATM abroad. Each ATM withdrawal charges a service fee of PHP 15 (PHP 5 for Land Bank ATM withdrawal).

To cash out money, you need to ensure the following:

  • You bought a physical PayMaya card (PHP 150).
  • You’ve linked your card to your PayMaya account and set your six-digit ATM PIN (See “Steps to Link a PayMaya Card to PayMaya App” above.)
  • Your PayMaya account is upgraded (See “Steps to Upgrade PayMaya Account” above.)

Final Thoughts

The PayMaya app is a handy tool to use. But just like other mobile apps, it can be prone to security risks. So be careful when using the app to avoid losing your money to scammers.

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