PayMaya 100% Complete Guide How to use it.


PayMaya is a free financial system app on your phone. It works like a re-loadable credit card either you get a virtual Visa or MasterCard so you can just load up and shop online, booking flights, pay bills, send money, buy load, games credits and more without the need for a credit card. Over 15,000 partners nationwide such as 7-Eleven, Palawan Pawnshop, Smart Padala Centers, SM Stores Business Services and Robinsons Department Store Business Centers you can add money to Paymaya where ever you go.

PayMaya consist of physical card, which you can use to pay in stores accepting credit or debit cards. It is link to your PayMaya app account that it shares one wallet which you can fund at same partners.

Is PayMaya safe to use?

Yes, PayMaya is regulated by the Bangko Sentral ng Pilipinas. 

Also, that PayMaya uses SSL on its app and website it means that all your transaction is secured. And for account protection PayMaya has a one time password when you log in to your account it will send SMS notification to your registered number a verification code which a extra security feature for your account. You must input the correct code upon login or else your access will denied. Keep your passwords and mobile devices secure.

Where can I use my PayMaya?

You can use PayMaya to shop online who accepts credit cards or debit cards or you can also use as a payment method for your online shopping store or freelance work. PayMaya physical card can use at any establishments abroad that accept Visa. It suits for OFW who work abroad.

How to register for a PayMaya Account?

  1. Download PayMaya from Apple Store or Google Play
  2. Fill out the online form with your name, email and mobile number.
  3. Create a strong password and write down for it.
  4. Read the Data Privacy Policy page of PayMaya and tap the Agree button.
  5. You will Receive a verification SMS.
  6. Enter that number in the app and tap “Verify.
  7. Click VIEW CARD button
  8. Input your address and birthday.
  9. You’ll receive a confirmation of your PayMaya account is activated.

You must considered to upgrade your PayMaya account for free to be able to Send money to other PayMaya users, withdraw from any BancNet ATM available locally and abroad using the physical card and Enjoy a monthly limit of P100,000 to your 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.”

List of Valid IDs

Primary IDs

  • Passport
  • Driver’s License
  • National Bureau of Investigation (NBI) Clearance
  • Alien Certification of Registration / Immigrant Certificate of Registration
  • Unified Multi-Purpose ID (UMID) / Social Security System (SSS) Card
  • Professional Regulation Commission (PRC) ID
  • PhilHealth ID (digitized PVC)
  • Government Office and GOCC ID, e.g. Armed forces of the Philippines (AFP ID), Home Development Mutual Fund (HDMF ID)
  • Postal ID (issued 2015 onwards)
  • Integrated Bar of the Philippines ID

Secondary IDs

  • Police Clearance
  • TIN ID
  • Barangay Certification
  • Government Service Insurance System (GSIS) e-Card
  • Senior Citizen Card
  • Overseas Workers Welfare Administration (OWWA) ID
  • Seaman’s Book
  • Voter’s ID
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Company IDs issued by Private Entities or Institutions registered with or supervised or regulated either by the BSP, SEC or IC

Where to buy Paymaya physical card?

You can buy PayMaya physical card at Paymaya Store Online

How to link Paymaya Physical Card to Paymaya App Account?

  1. Log in to your PayMaya app account.
  2. At the iOS device, tap “More” at the bottom right. For Android phones, tap the Menu icon on the top left.
  3. Go to “My Cards” in the main menu
  4. Tap on “link card” and enter the 16-digit number on the physical card, expiration date and CVV

If you don’t have the PayMaya app account yet you can activate the physical card via SMS.

  1. Text activate < space > card ID number < space > first name/last name and send to 292907969. *Note: you should have air time load of at least P1.00.
  2. Download the PayMaya app and register with your name, email and mobile number you used to activate the physical card.
  3. Receive a verification code via SMS
  4. Go to “My Cards” in the app’s main menu
  5. Tap on the blue PayMaya card
  6. Nominate a 6-digit PIN* 
    *Take note for you pin it will use this for ATM withdrawals

How to link PayMaya to PayPal Account?

As a freelancers or small business owners you can receive digital payments from clients by linking your PayMaya account to Paypal. Here’s how:

  1. Ensure that there is a balance of at least P100 in your PayMaya account. Load your account at any Load Up Partner outlet.
  2. Log in to your PayPal account.
  3. Go “Setting.” then click Financial Information
  4. Under “Cards,” click “Link a new card.”
  5. Enter your PayMaya Visa card information. Make sure that your PayPal address is the same as the address you registered with PayMaya.
  6. Click “Save.”

Now you already link your Paypal account to PayMaya app. You can now Transfer your PayPal Balance to PayMaya Account. Take note that PayPal Transaction Fee may apply.

  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.

How to withdraw Cash from your PayMaya account?

You can withdraw cash from PayMaya account via any Bancnet ATM located nearest your here in the Philippines and Visa Plus ATM abroad. Every withdrawal charges a service fee of ₱15 and ₱5 for Land Bank ATM withdrawal.

Take note you can withdraw to your PayMaya Account if:

  • You bought a physical PayMaya card.
  • You’ve linked your card to your PayMaya account.
  • You upgraded your PayMaya account.

Can I get PayMaya even if I’m not a Smart subscriber?

The answer is yes anyone in the Philippine who’s mobile number is active.

paymaya parteners

Where can I load up may Paymaya Account?

You can load up your PayMaya wallet at the following:

Top up PayMaya
Smart Padala
Robinsons Department Store
The SM Store
Smart Money
Global Access
Gaisano Capital
Palawan Pawnshop and Palawan Express Pera Padala
Bayad Center
Smart Stores
RD Pawnshop
Circle K
Security Bank
Robinsons Bank

What is an Add Money Code?

Add Money Code is a unique 7-digit code that allows you to securely fund your PayMaya account. Instead of using your mobile number.

How to load PayMaya?

Smart Padala

  1. Go to any Smart Padala Center or Agent and tell that you want to add money to your PayMaya account.
  2. Fill out the transaction slip. Write down your PayMaya mobile number and desired amount.
  3. Present your valid ID (student ID is also accepted) together with your payment.
  4. Wait for an SMS notification that the amount is already added to your account before leaving.
    Note:*There is a 1.5% charge for consumers who make Smart Padala to PayMaya transactions. *Minimum add money amount is Php100.



  1. Log in to your PayMaya app account.
  2. Select “Add Money” icon on the home screen.
  3. Select the 7-Eleven.
  4. Enter the desired amount and select “Continue”.
  5. Go to a 7-Eleven branch and present the generated barcode along with your payment to the cashier.
  6. Wait for an SMS confirmation before leaving the store.

    *Minimum add money amount is Php100. 


  1. Text ADDMONEY [space] 711 [space] AMOUNT
  2. Send to 292907969.
  3. You will receive an SMS with your Add Money Code.
  4. Visit the Cliqq kiosk at 7-Eleven branches and input the requested information.
  5. Present your Cliqq kiosk receipt to the cashier together with your payment.
  6. Wait for an SMS confirmation before leaving.

Robinsons Business Center and SM Business Services

  1. Go to Robinsons Business Center or SM Business Services nearest you and inform the cashier that you want to add money to your PayMaya.
  2. Fill out the transaction slip. Write down your PayMaya mobile number and desired 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. 


  1. Log in to your BDO mobile banking account.
  2. Tap “Send Money” then choose “To Another Local Bank”.
  3. Select “Proceed without a template” then “Continue”.
  4. Fill out the required details. Save all the information as a template for quicker transactions in the future.
  5. Check the details you have entered, then tap “Continue”.
  6. Wait for the confirmation message to appear on your screen.

    *Minimum add money amount is Php100. 

    *Maximum add money limit is Php50,000 per day.

    *There is a Php100 charge for every successful BDO to PayMaya Add Money transaction. 

BDO Online and Mobile Banking

  1. Log in to your BDO online banking account and select “Pay Bills”.
  2. Choose “PayMaya/Smart PayMaya” under billers.
  3. Enter the amount, recipient’s name, and PayMaya mobile number. Use this format: 639XXXXXXXXX, then click submit.
  4. You then receive the confirmation message.
  5. Wait for the confirmation message from PayMaya via SMS once the money has been added to your account.

    *Add money transactions between 9:00 am – 9:59 pm on regular working days will be credited to the PayMaya account within 2 hours. 

    *Add money transactions made outside the above schedule will be credited to the PayMaya account within 24-48 hours. 

    *Minimum add money amount is Php500. 

    *Maximum add money limit is Php5,000/day. 

Smart Money

  1. Go to Smart Money SIM Menu and select “transfer”.
  2. Select “others”.
  3. Enter 8877+PayMaya mobile number (e.g. 88779181234567)
  4. Enter the amount, your WPIN, then click SEND.

    *There is a 1.5% charge for every successful Smart Money to PayMaya  transactions.  

    *Minimum add money amount is Php100.

Bayad Center

  1. Inform the cashier that you want to top up your PayMaya and fill out the Remittance Form.
  2. Indicate your 7-digit Add Money Code and desired amount.
  3. Submit the form along with your payment to the cashier.
  4. Wait for an SMS confirmation before leaving the store.

    *Minimum add money amount is Php100.

Palawan Express Pera Padala

  1. Go to your nearest Palawan Pawnshop and Palawan Express Pera Padala branch and tell the cashier that you want to add money to your PayMaya account.
  2. Provide your PayMaya mobile number, name registered, and desired amount together with your payment.
  3. Wait for an SMS confirmation before leaving the store. 

    *Service is only available in Palawan Pawnshop and Palawan Express Pera Padala branches (authorized agents excluded) 

    *Minimum add money amount is Php500.

Cebuana Lhuillier

  1. Go to your nearest Cebuana Lhuillier branch and fill out a Remittance Payout Form (RPF). 
  2. Indicate your 7-digit Add Money Code and desired amount.
  3. Submit the RPF along with your payment to the cashier.
  4. Wait for an SMS confirmation before leaving the store.

* Minimum add money amount is P300 

How to Buy Load Using PayMaya App?

  1. Log in to your PayMaya app account.
  2. Tap “Shop.” On iOS devices. 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 you want to purchase.
  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 SMS confirmation of your purchase.

How to Pay Bills With PayMaya App

You can pay the following in just a few smartphone taps using your PayMaya app.

PayMaya Bills Payment
Laguna Water
Smart Postpaid
Smart Bro
Sun postpaid
Globe postpaid
Manila Water
Sky Cable
Destiny Cable
PLDT Ultera
ABS-CBN Mobile
Asialink Finance Corporation
BP Waterworks
Batangas Electric 2
Cable Link
Caritas Financial Plan
Cash ni Juan
Cebu Pacific
Cotabato Light
Davao Light
Equicom Savings Banks
Eternal Gardens
Eternal Plans
Fines Wide
First Advance Developement Corporation
Fortune Medicare
Global Dominion
Goodhands Miscellaneous
Grepa Life
Happy Well
Home Credit
Iloilo Electric 1 & 2
Leyte Electric 2
Loyola Plans
Manila Memorial Park
Philippine Prudent Life
Prime Water
Paramount Insurance
RCBC Bankard
Sunlife Canada
Visayan Electric Company
World Vision

You can also pay your Pag-IBIG contribution and housing loan, NBI clearance, and NSO documents (birth certificate, marriage certificate, etc.).

  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.
  4. Provide your account number and other details.
  5. Enter the payment amount.
  6. Review and confirm your payment details. Tap “Pay.”

Sometimes the system of PayMaya app got technical error and your transaction was not executed properly. Or you have some issues regarding to your account reflected that you didn’t recognized at all like Buying Loads and Paying your Bills etc. so you need to dispute. Here’s how to apply disbursement for PayMaya.

  1. Fill out the Purchase Dispute Form (download here).
  2. Prepare the documents indicated on the type of dispute you’ve marked.
  3. Submit the Purchase Dispute Form along with the required documents to
  • You must File your request within seven (7) calendar days from the time you made the transaction.
  • Make sure that the required documents are in order to avoid non-processing of your dispute.
  • Disputed transactions are usually resolved within 45 days from the time you filed your form, but the settlement period depends on the transaction involved.
  • A retrieval fee of Php275 will be charged to you once the transaction is found to be valid based on the sales slip.

For more further inquiries about the dispute you filed:

(+632) 845-77-88 Toll Free: 1800-1084-57788 Or you can email us at or talk to PayMaya Cares Facebook Page.

How to apply Paymaya Loan?

Only qualified PayMaya customers can apply loan to its partner Cash Ni Juan’s loan services. All pre-qualified customers would be able to see the loan banner in their app and can get their loan instantly. Or you will receive notification thru SMS and APP if you have qualified to PayMaya loan. Just simply click on the link sent to you and follow the instruction.

Is CashNiJuan legitimate and safe?

Absolutely! CashNiJuan is SEC registered.

What is CashNiJuan?

CashNiJuan is a pure credit small cash loan issued by our company to limited eligible customers for personal daily consumption and needs.

What is the maximum amount I can get for my first loan?

For the first time customers to loan PayMaya qualified customer are allowed up to 3,000 pesos and if you always settle your loan on time, we may offer a higher amount for your next loan.

How can I receive my loan from CashniJuan?

You can receive your loan from CashNiJuan directly in your Paymaya app. Easy and convenient way.

PayMaya Deals and Promos

Enjoy this amazing deals by PayMaya.

Frequently ask question about PayMaya

What happens to my PAYMAYA account if my phone and sim card is stolen/lost?

If you linked a post-paid mobile number smart/globe/tnt/sun etc. to your PayMaya:

  1. Report it to your mobile network.
  2. Once you recover your mobile number.
  3. Install your new SIM into a new device.
  4. Download the PayMaya app and log back into your account.

For prepaid mobile number smart/globe/tnt/sun etc. to your PayMaya:

  1. Use a different smartphone (Android, iOS) to log in to your account.
  2. Change your password.
  3. Check up your balance if you have any.
  4. If your account is upgraded and you have the physical card, withdraw any remaining balance or send it to another PayMaya account.
  5. Create a new PayMaya account using a new mobile number.

How to recover PayMaya password?

From the app:

Usually no password recovery in PayMaya available only is to change password.

  • Click mo “Forgot password” link sa app.
  • Enter mo mobile number
  • My mareceive na email with a link para reset mo password. 
  • Type in new password.
  • Receive ka din SMS confirming na iyong password ay napalitan.

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The PayMaya app is a reliable app, useful and handy tool to use. You can pay bills and send money instantly without worrying some security issues. You can buy load, game credit and pay your shopping order. It is easy to top up your account and en-cash your money. It is also best for people who don’t have yet a Visa or MasterCard you can buy Online PayMaya Card and use it as your debit card.

What do you think?

Written by JP Abas

I've been working in the ship for almost 7 years as engine rating. Life in the ship is boring. You do work, eat and sleep that's the cycle of my life working as a seafarer. Blogging is my alternative job as a seafarer. I spent my vacant time in writing blog guides and tutorials. - JP Abas


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