PayMaya is a free financial android app for your phone. It works like a re-loadable card either you get a virtual Visa or Master Card 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 40,000 partners nationwide such as 7/11 Palawan Pawnshop, Centers, SM Stores Business Services and Robinsons Department Store Business Centers. You can also add money to your Paymaya Account via Gcash, SmartPadala, BPI, BDO, or Transfer your PayPal balance to Paymaya.
PayMaya consist of physical card, which you can use to pay in stores accepting credit or debit cards. It is link to your PayMaya register account number that it shares one wallet which you can fund. You can sign up to Paymaya using any network number. And enjoy the hottest deals and promos by using Paymaya app.
Where to buy Paymaya physical card? You can buy PayMaya physical card at Paymaya Store Online.
About PayMaya
PayMaya Philippines, Inc. (formerly Smart eMoney, Inc.) is the pioneer in mobile money and payments and is a subsidiary of Voyager Innovations, the digital innovations company of PLDT and Smart.
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. It has an EMV chip for added security. You can even view your transaction history in the app!
IMPORTANT: Do not provide your account or account number or disclose any other confidential information or instructions through email.
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. You can also book flight online, buy games, buy ticket, stream music, pay bills, send remittance.
Download the app, register and create account..
Scan to Pay with PayMaya QR
Use your PayMaya app to scan a merchant’s QR code to instantly acquire their account details, and send your payment directly to their PayMaya wallet.
Upgrade your account for more features!
- Send money to other PayMaya users
- Withdraw from any Bancnet ATM with your PayMaya card
Get awesome features when you upgrade:
- UNLOCK HIGHER LIMITS – Add money and spend from up to P100,000 per month
- SEND MONEY TO FRIENDS – Instantly transfer funds using the PayMaya app
- WITHDRAW MONEY – Withdraw from any BancNet ATM in the Philippines and Visa Plus / Mastercard ATM abroad.
IMPORTANT: PayMaya and its official representatives will never ask for your PayMaya password, 16-digit card number, and One-Time Password (OTP), nor charge you to upgrade your account.
Accept any form of payment solution for your business
Equip your business with an integrated POS, QR acceptance, or online checkout systems. Payments systems with PayMaya for your business online. Learn More.
Get PayMaya for your employees
For convenient, faster way, efficient, and cost-effective operations, streamline and simplify your payroll you can use Paymaya. Learn More
Enjoy this amazing deals and promos by using PayMaya.
- Online Purchase – Get the best deals online even without a credit card!
- QR Promos – #ScanToPay and get up to 100% cashback!
- Bills Payment – Skip the line and pay bills using PayMaya!
- Add & Send Money – Send or Add Money instantly anytime!
- Gaming Pins – Step up your game using PayMaya!
- Buy Load – Get the best deals on prepaid load using PayMaya!
- Account Upgrade & Card Promos – Make the most of your PayMaya account when you upgrade for free!
- Refer and get P50 – Your friend gets P50, too! You can earn as much as P10,000* when you refer your friends to PayMaya. How to get your invite code?
Now you have learn about the awesome features and benefits of using PayMaya. Next thing is when you encountered some difficulties, we provide you some quick guide below, frequently ask question and some common issues
User Quick Guide
- Create Account
- Account Upgrade
- Add Money
- Send Money
- Bills Payments
- Mobile Prepaid Load
- Mobile Data
- Activate Virtual Card
- Link Physical Card
- Scan to Pay
- Claim Remittance
Frequently ask question about PayMaya

Basic Things to Learn about PayMaya
What is PayMaya
PayMaya is a free financial android app for your phone. It works like a re-loadable card either you get a virtual Visa or Master Card
Where to use PayMaya
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.
Adding Money to PayMaya
To add money PayMaya prepare the exact amount of money you want to add to your Account. (See Next Step)
Problem while logging in
Try to log-in after a few minutes OR restart the PayMaya app and your device. Clear the cache of your device, if necessary. Make sure you have a stable and secured internet connection when logging in to your account.
If you still can’t log-in, you can contact customer support channels:
Email: support@paymaya.com
PayMayaCares Facebook: https://m.me/PayMayaCares
Problem while performing a transaction
If this is an In-App transaction:
1. Check your internet connection.
2. Make sure to entered the correct and complete details.
3. Check for any reported downtime or maintenance announced by PayMaya or its merchant partner.
4. Try processing the transaction again after a few minutes.
If this is a Card transaction:
1. Ensure that you are using the PayMaya card embedded with EMV chip.
2. Check the type of error received.
3. Check for any reported downtime or maintenance announced by PayMaya or its merchant partner.
4. Try processing the transaction again after a few minutes.
If you are still encountered error while doing a transaction, you can contact customer support channels:
Email: support@paymaya.com
PayMayaCares Facebook: https://m.me/PayMayaCares
PayMaya Account Help
Changing registered information
Contact the PayMaya official support channels to request change your registered information.
Email: support@paymaya.com
PayMayaCares Facebook: http://m.me/PayMayaCares
Have proof of identification, such as a valid ID, and letter of request (if you’re a non-upgraded user) ready when you make your request.
Limited access due to duplicate account
Have another existing PayMaya account. You can only have one PayMaya account per person.
You can contact the PayMaya official support channels to request change your registered number.
Email: support@paymaya.com
PayMayaCares Facebook: http://m.me/PayMayaCares
Have the following ready when you make your request:
1. Valid ID that matches the name registered in your PayMaya account.
2. Letter of request which should include your old and new number to be registered in PayMaya.
Exceeded limits
PayMaya Account has limitation for money transaction. You can monitor and track your transactions in the activity list for the mean time. If you have exceeded the limits for the month, just must wait for the 1st day of the next month to reset limit.
Upgrading account for minors or students
If you’re a minor from 7-17 years old, you are qualified for an account upgrade. You can use your student ID as your 1 primary ID and you will need to present your parent’s/guardian’s valid IDs (also based on the list of accepted primary IDs), signed parental consent form, a copy of your birth certificate, and proof of legal guardianship (if applicable).
However, if you’re a student, but above 18 years old, you would need to follow the regular upgrade requirements (1 primary ID).
Transactions Help
Paying overdue bills
This depends to the biller if allows it. Some billers allow this, kindly check with your biller.
Using PayMaya for online subscriptions
Yes. PayMaya can be used for online subscriptions accepting payment using Debit/Credit Card or Visa/Mastercard.
Take note of your billing statement cycle and make sure that your account has enough balance.
Safety & Security Help
One-time Pin (OTP)
OTP or One-Time Password is a unique 6-character code that is sent only to your registered PayMaya number. This extra security feature is sent every time when you log-in to a new device and will enable you to access your account. After you enter your log-in details, you will be asked to enter the OTP to successfully log-in. One OTP is valid for 5 minutes.
Noticing suspicious transactions
Report immediately If you notice any transactions that you didn’t make, make sure to report it right away to our official channels:
Email: support@paymaya.com
PayMayaCares Facebook: http://m.me/PayMayaCares
PayMaya consist of physical card, which you can use to pay in stores accepting credit or debit cards. It is link to your PayMaya register account number that it shares one wallet which you can fund. You can sign up to Paymaya using any network number. And enjoy the hottest deals and promos by using Paymaya app.
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