(UPDATE) Review: PayMaya Arrives in Davao City, And I Tried it!

PayMaya has arrived in Davao City!

Last October 10, executives and staff from Smart Communications Inc's financial innovation unit Smart eMoney visited Davao City and met with select local media members and bloggers to formally introduce their new digital payment service to the people of Davao, the PayMaya Visa Card. This PayMaya is powered by Visa and aims to enable those users who want to do online and offline shopping but do not have credit cards yet, for free.

 Why Bother to go to Davao and Introduce this PayMaya?
Thankfully, Lawrence Ferrer, Vice President at Smart eMoney, has an awesome and right-on-the-spot answer, and he said "“Davao has all the elements to make it a strong center of eCommerce in the region. It has a growing young population that is tech-­savvy. They have increasing access to the internet and they are very aware of digital and its opportunities,” . These people from Smart eMoney really realize the potential of digital and online platform especially in the Philippines, I just hope that more and more local companies also realize this and also make a significant shift from the traditional way of selling goods and services to this new shopping experience.

So you've been wanting to buy a smartphone or an accessory that is only exclusively sold online? Or perhaps, taking advantage of the current airline travel promo you spotted today in the internet but having no credit card is what really stopping you from doing so? With the help of the new virtual PayMaya Visa card, #NowYouCan.

Like I mentioned above, PayMaya is a free service from Smart eMoney, all users have to do is just download the Android or iOS app from their respective apps store, register with their mobile number and they are good to go for online booking they've been dying to sign up to.

How to register, get your virtual PayMaya Visa card number and start shopping

These amazing people from Smart eMoney are very generous enough to give us an initial Php500 credit on our PayMaya account to try out its power and share with all of you (our readers) our experience using the service and possibly provide some feedback about it.

How to get started:

  1. First thing you need to do is download the PayMaya app. This is available both for Android and iOS devices. Once downloaded and launched, you will be greeted with the screen below.

  2. Then, next thing you will do is hit the "Register" button and provide the necessary information in the next screen. Full name, mobile number and your chosen-password should be provided upon sign up.

  3. When you are done with registration, you will be sent a verification code via SMS which then you will use to confirm your PayMaya Visa activation in the app next time you login.

  4. As soon as the PayMaya Visa card account is activated in the app, your virtual PayMaya Visa Card number will be immediately generated which will include the 16-digit number, expiration date and the CVV code. By then, your account  is now available for use.
Just as easy and fast as that, no waiting and approving game is involved in here. This is just one of the experiences I like about this new product. Of course, this account has to have funds first before you can use it on your first transaction, read on to see how and where to load up funds to your PayMaya account.

Where and How to Load up Funds to your PayMaya Visa account

There are actually a couple of ways on how to add funds to your PayMaya account, via the following list below.
  • Smart Stores
  • Smart Padala Centers
  • Robinson's Business Centers
  • 7-Eleven Stores (soon)
  • Smartmoney (in-app funds transfer feature)
Yes you read the last option right, funds can also be transferred from a Smartmoney account. I use Smartmoney so this option to load up PayMaya account is a plus for me. With Smartmoney, I can just go to a BDO bank to add funds and then have it transferred to my PayMaya. If you don't have a Smartmoney account yet, don't worry reloading through banks will also be added in the future for PayMaya users, until then you can just visit any other participating establishments to top up your account.

What else can I do with my PayMaya?

Apart from doing online transactions, there are other things you can do with your virtual PayMaya Visa card account and those are listed below.
  • Buy regular load under 'shop' tab (Autoload)
  • Buy pre-registered (Autoload (Alltext, ... )
  • Pay bills (soon)
  • PayMaya to PayMaya Funds transfer (upgrade required)

You can also transfer funds to other PayMaya users and another good thing about this particular feature is the recipient does not need to provide the whole 16-digit PayMaya Visa card number. They can just use the registered mobile number to do the transfer, how convenient and secure is that?

How to transfer from Smartmoney to PayMaya
  • Go to the Smart Money SIM Menu
  • Select Transfers
  • Select Others
  • Enter 8877+Mobile Number of the PayMaya load recipient. (ex. 88779181234567). Remember to take out the '0'
  • Send the load-up amount you provided in cash.
Why upgrade

There are a lot other perks you can enjoy when you upgrade your PayMaya account. One of those is that it is free of charge. It's free to upgrade your account and all you have to do is provide additional details and present a copy of your government-issued ID. You will also get a physical PayMaya Visa card upon upgrade which you can use at any shop not just in the Philippines but also in other parts of the world that accept Visa card as mode of payment. And then funds transfer feature is also activated after the upgrade.

How to upgrade

The first thing you have to do to upgrade is click on the option menu within the PayMaya app and select "upgrade now". After that you will then be prompted to provide additional details for upgrade like your address and upload a copy of your government-issued ID within the app.

Once your upgrade request is confirmed, the next and final thing you need to do is claim your physical PayMaya Visa card at a Smart Wireless Center. Here in Davao, it is at Smart Jump Store at SM Lanang Premier. The card is available immediately and you will be assisted on linking this card to your PayMaya app. While the upgrade is free of charge, you will still need to pay Php100 upon claiming your card but once the card is activated this Php100 will be added to your account.

One other thing about this PayMaya Visa card is that it's powered with beep which means it can be used for payments of MRT and LRT fares in Metro Manila.

Final thoughts

I have been using this PayMaya for a few days now and have already made transactions both online and offline. I have to say that so far every purchase and payment I have made was all smooth and fast. There was sms notification sent to me for every successful transaction I made. Right now I am enjoying my Spotify Premium subscription because of this PayMaya, I was also able to make some in-app purchases on my favorite Android apps and many others. I will definitely continue using this PayMaya account alongside with my Smartmoney. The mobile app companion is very easy to use as well and packed with some security features I was able to notice, and those are...

  • You cannot screencapture the app
  • You are automatically logged out when you exit the app
  • The app only works when connected to the internet
I really recommend this PayMaya Visa card. It's fast, easy and secure. And like I have mentioned above, it is both available for Android and iOS devices and is not exclusive to Smart users, even Globe subscribers can also register to PayMaya.

UPDATE: March 31, 2016.

Yesterday I was trying to make a purchase from a website where my order was in US dollar currency. Using my PayMaya, the account was keep on declining and the payment wouldn't go through for some reason, now at this moment I was very sure that all the details I provided were accurate and that I had more than enough funds to cover my transaction. And I have to say, this is the first and only issue I've had with PayMaya so far. So I contacted their support team at support@paymaya.com to see if there was a problem with my account or on their system, a few email exchanges took place to point down the issue. I was told they would look into it and see what the problem was, and up until right now I am still to receive response from them regarding this problem I am having.

My Theory

If I remember it right, I read somewhere that some users were having problem completing their transactions online where the transaction amount was not in Philippine currency. So I was thinking, maybe this was the issue but I could be wrong. Now prior to this, I have been using my PayMaya account in a number of online-based transactions but did not encounter any problem, however I realized all of them were in Philippine peso. I will definitely wait for a solution (and explanation) from PayMaya team about this, and when I got one, I will update this article as soon as possible to let you guys know.

My Temporary Fix

I really needed to complete the online transaction I was doing as it was a very important one. Thankfully, I still have my Smartmoney account with me and still active, I thought of using this instead to see if I would still get the same error. So I withdrew the funds from my PayMaya account through a BDO ATM machine (which cost me Php15), and then deposited that to my Smartmoney account. Moments later, the funds reflected on my Smartmoney account.

I went online, reprocessed the order using my Smartmoney account this time. And yes, it did work, my order is now being processed.


71 comments:

  1. I tried using payamaya with paypal it's not working. I hope you guys can work it out.

    ReplyDelete
    Replies
    1. I continously using paypal to paymaya transfer and it works perfectly. Nakakatuwa nga kasi kasi weekends pumapasok sa paymaya ko ang transfer unlike usual bank na banking days lang maclear ang transfer mo.

      Delete
    2. I continously using paypal to paymaya transfer and it works perfectly. Nakakatuwa nga kasi kasi weekends pumapasok sa paymaya ko ang transfer unlike usual bank na banking days lang maclear ang transfer mo.

      Delete
  2. Hi Lara,

    What exactly do you mean "it's not working"? Could you please be more specific, I might be able to help you. : )

    ReplyDelete
  3. Hi! Do you know how loading up in smart padala centers work? Thanks.

    ReplyDelete
  4. Thanks for this Sir! Pero di ba I can use this naman even if the app is not upgraded?

    ReplyDelete
  5. Yes you can, kahit hindi upgraded. : )

    ReplyDelete
  6. Hi sir. Paano po pag smart padala ang gagamitin?

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  7. Hindi ko pa nasubukan magparelaod sa Smart Padala center, pero ang pagkakaalam ko kailangan lang ibigay yung naka-assign na mobile number sa PayMaya account na loloadan, kasi ganun din naman pag magpa-funds transfer e sa PayMaya app.

    ReplyDelete
  8. Can you link the physical card with PayPal? Also can you transfer some money from PayPal to your PayMaya card? Thanks

    ReplyDelete
  9. Hi Sir, I have transactions in China, can I use this app for paying bills (paypal transaction) and how much transaction charge?

    ReplyDelete
  10. As long as the merchant you're dealing with from China accepts Visa, yes you can. Now I am quite confused about the (Paypal transaction) part...

    PayMaya does not charge any transaction fee... but if you were able to link Paymaya to your Paypal account then it's Paypal that is charging you extra fee and not Paymaya. : )

    ReplyDelete
  11. Hi Dee,

    You just need to provide the mobile number you set up with your Paymaya account to the Smart Padala center to load up. No need for the whole Paymaya Visa card number.

    ReplyDelete
  12. Hi Meg,

    I haven't tried linking my Paymaya account to my Paypal account so I cannot exactly say that it should work. However, I tried making online purchase using the card number found on the Paymaya physical card and it didn't work. I think the physical card is only for offline transaction while the app version is for online. (Paymaya physical card and app card do not share the same card number).

    I usually use my own Smartmoney account (together with its physical card) with my Paypal account, I was able to link it to my Paypal and also able to transfer/withdraw funds from Paypal to Smartmoney card.

    I hope that answers your question.

    Robert V.
    www.dugompinoy.com

    ReplyDelete
  13. Hi just wanna ask, why i cant buy the apps on apple store?
    When i tried putting my aacnt number on my info ayaw po tanggapin yung accnt sa paymaya. Thank you

    ReplyDelete
  14. Hi, I just wanna ask if some have encountered an error when activating the paymaya card? I always encounter this error "invalid card details"...i cant activate mine because of this error in paymaya app..please help me :(

    ReplyDelete
  15. Hello..
    Tried sa smart pero it seems na hindi alam ng staff kung ano ang paymaya. They're asking for a smart money accnt number na wala naman ako nun.

    ReplyDelete
  16. That sounds weird, they should definitely know about it dahil PayMaya mismo nagsasabi na pwede sa kanila e.

    ReplyDelete
  17. Hi Jack, sorry to hear about that. Alam mo best suggestion ko is punta ka sa Smart Centers and request help from a PayMaya representative, o kaya pwede mo rin tawagan ang PayMaya customer service.

    ReplyDelete
  18. If you are using the card details from your physical PayMaya card, that won't work. Dapat gamitin is yung card number mismo sa PayMaya app. : )
    By the way, any particular error you're getting?

    ReplyDelete
  19. Paano po mag top up ng account using smart money, i tried following your instruction pero invalid smart money number daw. Usually 16 digit ang smart money account pero sa instruction mo 14 digit lang.

    ReplyDelete
  20. good day sir.. im in davao now can I use my paymaya visa card to shop here?

    ReplyDelete
  21. Hi Ryan,

    Yes, you definitely can. : )

    ReplyDelete
  22. Hi Gretch,

    Ibig mo bang sabihin e from Smartmoney to PayMaya? If yes then it should be 14 digits which is the 8877 + the mobile number registered with your PayMaya account (not the 16-digit card number).

    hope that answers your question. : )

    ReplyDelete
  23. Hi Sir! So far gumagana naman yung physical card sa Google Play and sa PayPal. Kasi if I understood it correctly, some of the users ay hindi makagamit pero it seems na fix na ng smart yung issue. I'm looking forward dun sa Pay Bills. Though gagana kaya yung physical card sa mga starbucks.?

    ReplyDelete
  24. Hi CK,

    It's so nice to hear na gumagana na yung physical card sa mga online sites like Google Play and Paypal, thanks for confirming. This is much better now, I think. Regarding sa Starbucks, if they accept Visa card which I think they do, dapat gagana at pwede rin sa kanila gamitin ito.

    Cheers!!!

    ReplyDelete
  25. Paymaya charged me for an invalid transaction and now i have to wait for 48hrs for the reversal which i'm not sure if it's really happening. You were able to charge me right away but for a refund i have to wait that long? i was able to comply with your requirements. I need the money back because i need to book for a flight for saturday. That's why i even chose paymaya in the first place because it's way more convenient for me, but for this to happen? c'mon!!!

    ReplyDelete
  26. Hi Angel,

    I know this kind of experience is frustrating, but have you tried contacting PayMaya via email or by phone? There should be a way to release the funds immediately back to your account.

    ReplyDelete
  27. Hello sir,

    may tanong lng po ako, I was reading through the comments and sabi nyo po ung app card at ung physical card magkaiba ng card number

    ung tanong ko po ay,,pareho lng po ba ng pinagkukuhaang "funds" ung physical card and app card?

    ReplyDelete
    Replies
    1. just the same, yung pinagkaiba lang, yung physical card ay pwedeng gamitin as beep card

      Delete
  28. I tried topping up paymaya using bdo bills payment, its been a week now, but nothing is loaded in my virtual card!!!

    ReplyDelete
  29. Have you tried contacting PayMaya customer service and see why is that?

    ReplyDelete
  30. Hi

    Ask ko lang po, iba po ba un cvv sa cvv2? Kasi pag nilalagay ko un cvv2 ko kapag link un card, may error eh. Thanks

    ReplyDelete
  31. Ang pagkakaalam ko pareho lang yan sila, :)

    ReplyDelete
  32. Hi all,

    Invalid credit card number pagkatapos ma-input ung "Account number" sa PayMaya Virtual VISA Card screen sa google play Add credit/debit card. Please help

    ReplyDelete
  33. Hi Marco,

    Yes pareho lang, kahit magkaiba yung number, pareho lang din yung pag kukuhaan ng funds.

    ReplyDelete
  34. good eve ask ko lng nag activate ako ng account ko kaso sabi nid p daw maiactivate nid ko daw mag dala ng pic nung id n ginamit ko kaso ala akong alam s meron mapupuntahan n pede iayos di ko 2ly magamit di ko malagyan ng laman kc baka di ko mawidraw pera, kubg mag lalagay b ako ng laman kc 711 lng n wiwidraw ko b sya? tnx

    ReplyDelete
  35. hi, can i purchase items online even without upgrading my account? can i purchase using my virtual account, on amazon, flora200 as long as they accept visa account/cards? thanks!

    ReplyDelete
  36. Paano ka nag activate ng account mo?

    ReplyDelete
  37. Hello, everytime I transferred funds from my smart money to paymaya, this is the message I will get, "Request not processed. Your card is not allowed to perform this transaction. Ref:060257399630 SM:2058"
    Why can't I transact? I already have my smart money activated。please help. Thanks.

    ReplyDelete
  38. Hi Zyla,

    How did you try to do the transfer?

    ReplyDelete
  39. Hi Robert,

    Question. Kasi I'm using US iTunes and wanted to get Tidal and subscribe. Nadedecline yung payment ko. Is it bec of the address registered to my PayMaya Accnt? Kasi PH yung address ko sa PayMaya. Eh auto-populated ang US iTunes at di pwede ilagay ang PH.

    Thanks!

    ReplyDelete
    Replies
    1. Hello,

      Tingin ko hindi dahil sa PH and billing address mo sa PayMaya. Most likely it has to do with your current balance sa account vs sa amount ng subscription.

      I had the same issue with my account weeks ago, and we (with PayMaya team) found out na bukod sa dollar amount ng transaction may additional charge pa na tinatawag na "Markup fee", baka yun din ang reason kung bakit hindi gumagana subscription mo.


      Delete
  40. Hi po, ask ko lang po sana kung pano magregister sa Spotify Premium using PayMaya?

    ReplyDelete
  41. Paymaya actually is okay until you need to get your money back. I bought something worth 300 USD but had to cancel the order due to shipping time, they were only supposed to hold the authorization but no they removed the cash immediately and insisting that I am disputing the charge. I told them I am not disputing because as per email from the vendor which I sent them Paymaya should only charge when the goods are shipped. I sent them the documentation that the order is effectively cancelled but they keep asking me for new documents every other day like it is their money and they are doing me a favor. If this was actually a disputed charge I would understand but as they incorrectly charged me, I do not understand their insistence on making me revise a document which I submitted 5 days earlier to say I need to submit a new letter etc etc. Furthermore, the group handling this is a different group, not in their website and the communication is one way,i.e they will only SMS you they don't reply to your email and you cant call or SMS them back. What kind of set up is this? Smells fishy to me. I had these orders cancelled April 24, coordinated wih both the vendor and Paymaya within a week and still I am getting a complete runaround with their customer service. I provided them the reference ID, they will reply late next day that they need the time and date and amount of the transaction which should be in the reference ID. They ask for the merchant name again making me revise the letter when it was already there, they insisted that my signature was different from ID but I was able to buy land with the same ID and signature. Most of all, they initially wanted a transaction receipt for an online transaction I toldthem I don't get a physical receipt I only get the status of the order but if you cancel the order, you wont get a receipt!

    Again Paymaya is great while you are buying stuff but the moment that you need to get your money back, they will intentionally make it hell for you.

    ReplyDelete
    Replies
    1. I agree with you that PayMaya itself is great and is a lot of help for us people who really don't have credit card (or do not want to use a credit card) to make purchases online or over seas, And that their customer service is a bit inconvenient.

      I once had an issue regarding my purchase and had to contact PayMaya customer service, one thing I really like about them is that they are really eager to help and they really respond to my inquiries and questions which is great, but when it comes to customer service skills, it's still an area of opportunity for them at the moment. : )

      Nevertheless, keep using PayMaya it's great.

      Delete
  42. Any ways I can reload my paymaya card through gcash or bpi banks?

    Another question, do they charge you for transferring money to another paymaya user? Thank you!

    ReplyDelete
  43. Any ways I can reload my paymaya card through gcash or bpi banks?

    Another question, do they charge you for transferring money to another paymaya user? Thank you!

    ReplyDelete
    Replies
    1. Hi Joee,

      I have personally asked people from PayMaya and they told me, we can only (for now) add funds to our PayMaya account via BDO online banking. That's in addition to the existing ones like through 7-Eleven, Robinson's etc.

      For transferring money from one PayMaya to another, last time I did it there was no charge. And I think up until today it's still free.

      Delete
  44. Paymaya works on the first month and then it will stop working,
    I purchased alot of items in $US and I never had any problem until "I regrettably chose to UPGRADE" since then it was broken.

    ReplyDelete
    Replies
    1. This is sad, but have you tried reaching out to Paymaya customer service and see what the problem was?

      Delete
  45. hi in using the virtual online card how will i upgrade to physical card? would that be the same card number?

    ReplyDelete
    Replies
    1. Hello, there is an option within the app to upgrade your account which will then allow you to get a physical card. To claim your paymaya card, you will need to visit a Smart store.

      Delete
    2. Nope, the Paymaya app and the physical card do not share the same 16-digit number.

      Delete
  46. Hi ask ko lang po if how much fee to withdraw from paypal to paymaya card, disregarding conversion rates? Thanks!

    ReplyDelete
    Replies
    1. Hi Lapiz, that's a very good question. First off Paypal charges different rates based on how much is being withdrawn and I think that info can be found on their website. As for Paymaya, I am actually not sure if they do charge as well like BDO does and for how much if ever there is. I will try to contact our friends from PayMaya and let you know if I hear anything back from them.

      You may also reach out to them through their customer service contact details found on the Paymaya website.

      Delete
  47. i was able to buy an in-app item that is over the amount on the paymaya account. I only have 100 php ob the card and was able to buy a $20 worth of items and the 100 php is still in the account... how did that happened? would it bite me later on?

    ReplyDelete
  48. Hi. I'm having problems linking my PayMaya VISA card. It always prompt me incorrect card details wherein I'm sure I've inputted them correctly. My card i already activated via SMS. What should I do? :(

    ReplyDelete
    Replies
    1. Hi Jasmine,

      Sorry for so late reply. Paki-contact mo na lang PayMaya customer service para mas maayos ka nilang matulungan kung ganyan pa rin ang problema hanggang ngaun.

      Delete
  49. Hello, ask ko lang po how much fee pag magsesend ng money to another paymaya user, tha ks po

    ReplyDelete
  50. Hi Lara, Maybe your acc has insufficient amount. Paypal requires 51 pesos and up inorder for you to link your account. But they return the 51 immediately. I think it's their way of confirming the card or what.

    ReplyDelete
  51. how much po ang charge if mag babayad ka using your physical card sa stores?

    ReplyDelete
  52. Hi :) saan ba makakapag load up ng pay maya account ko dito sa dvo? meron ba sa SM business center?

    ReplyDelete
    Replies
    1. Yes meron. Pero mas convenient magpaload sa mga 7-11 stores.

      Delete
  53. Ask lang, i have a online business in click bank..pwede ba nila ma transfer sa paymaya account ko ung mga commission ko from them?

    ReplyDelete
  54. Ask lang, i have a online business in click bank..pwede ba nila ma transfer sa paymaya account ko ung mga commission ko from them?

    ReplyDelete
  55. pno mqkaroon nq smartpadala busness my paymaya atm nmn ako pkiemail po sken saqot dancelnina@qmail.com tnx po

    ReplyDelete
  56. pno mqkaroon nq smartpadala busness my paymaya atm nmn ako pkiemail po sken saqot dancelnina@qmail.com tnx po

    ReplyDelete
  57. Any updates on this thread? I'm planning to use my Paymaya card to purchase online and it's in dollars. I'm quite worried that maybe I might encounter the same problem. Does anyone have tried dollar purchase? It would be a big help if you'll share your experience with Paymaya. Please.. thank you.

    Reply here or you can email me at leyrivera0803@gmail.com

    ReplyDelete