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Frequently Asked Questions

  1. What is PayMaya?

    PayMaya is a free app that gives you a virtual Visa Card that you can use to shop online, book flights, and more, even without a credit card. Just download the app, load up, and shop!

    You can also get a PayMaya physical card, which you can use for purchases at stores here and abroad.

  2. What is Smart MasterCard?

    Smart partnered with PayMaya to allow Smart subscribers to experience the Smart Digital Life, and add more value to their existing service as a Smart/Sun/TNT subscriber. Aside from enabling Smart subscribers to purchase online even without a credit card through an instant virtual prepaid Smart MasterCard, the partnership brings more exclusive perks and deals.

    To learn more, click here.

  3. Where can I use my PayMaya?

    You can use the app at online stores or websites that accept credit cards or debit cards. You can use the physical card at establishments here and abroad, wherever Visa is accepted.

  4. How do I start using PayMaya?

    APP:
    • Download from App Store "logo that links to App Store" or Google Play "logo that links to Google Play"
    • Register with your name, email and mobile number
    • Create a password
    • Receive a verification SMS
    • Enter verification number
    • Click VIEW CARD button
    • Input your address and birthday
    • Receive a confirmation that your account has been activated

    CARD:
    • Buy the card here

      If you already have the app, link the physical card to it:
      • Go to "My Cards" in the main menu
      • Tap on "link card" and enter the 16-digit number on the physical card, expiration date and CVV

      If you don't have the app yet:
      • Activate the physical card via SMS. Text activate < space > card ID number < space > first name/last name and send to 292907969*.
        *You should have air time load of at least P1.00.
      • Download the PayMaya app and register with your name, email and mobile number you used to activate the physical card
      • Receive a verification code via SMS
      • Go to "My Cards" in the app's main menu
      • Tap on the blue PayMaya card
      • Nominate a 6-digit PIN*
        * You may use this for ATM withdrawals

  5. Can I get PayMaya even if I'm not a Smart subscriber?

    Definitely! Anyone with a Philippine mobile number can register.

(Ex. 9191231234)


*NOTE: FIRST TIME SENDERS MAY EXPERIENCE A DELAY OF 24 HOURS WHILE WE VERIFY YOUR THE TRANSACTION - AT THIS POINT YOUR PAYPAL ACCOUNT WOULD HAVE BEEN CHARGED ALREADY. TRANSACTIONS FOUND TO BE SUSPICIOUS/FRAUDULENT, WILL BE PROMPTLY REVERSED AND REFUNDED.
*First time buyers of E-Load may experience delay.
RETURN POLICY

FOR E-LOAD/PINS/SMART MONEY LOAD PURCHASES:

Due to the nature of electronic load ("e-load"), PINS and Smart Money load, we cannot accept cancellations, returns or exchanges.

Please take extra care when entering the mobile prepaid number or 16-digit SMART Money account number, to make sure that it is valid, active, and indeed the number you wish to top up. We will not be held liable for erroneous or mistaken entry of the prepaid number or SMART Money account number.

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RETURN POLICY

FOR E-LOAD/PINS/SMART MONEY LOAD PURCHASES:

Due to the nature of electronic load ("e-load"), PINS and Smart Money load, we cannot accept cancellations, returns or exchanges.

Please take extra care when entering the mobile prepaid number or 16-digit SMART Money account number, to make sure that it is valid, active, and indeed the number you wish to top up. We will not be held liable for erroneous or mistaken entry of the prepaid number or SMART Money account number.