Activate PayPal Using PayMaya

Update: Due to some changes within PayPal, the new recommended amount you need to secure with your PayMaya is P200.00 from the old minimum of P50.oo  – P70.00. The initial $1.00 will be withdrawn by PayPal for the test payment verification test then another $2.00 will be deducted to generated our PayPal verification code.

I have been receiving question if PayMaya can be used as a PayPal credit/debit card or if PayMaya can be used to activate a PayPal account. The short answer is a big yes. You can Activate PayPal using your PayMaya account and it is very simple and straight forward.

PayMaya Android App Login

PayMaya Android App Login

First, you need to login to your PayMaya account, a screenshot is provided for ease and reference.

Click the menu button, the button got 3 horizontal lines, then click “My Cards”. What we are after is the PayMaya Virtual VISA Card since this is the one that is enabled for online purchases.

PayMaya Visa Cards

PayMaya Visa Cards: Virtual and Physical

If you have a Physical PayMaya card and you have linked it successfully, the card will appear on this window with only 1 option and that is to change it’s bank pin. I still have no full idea on what is the local bank powering PayMaya to save on withdrawal fees but it is not a concern on my side since I only use PayMaya for online purchases.

Before we proceed, make sure that you have activated your PayMaya virtual card which can be done using the App. There is a separate activation for PayMaya withdrawals which require a valid government ID scanned and mailed to Smart E-Money Inc.

Activating your virtual Visa card takes less than 1 minute!

  • Tap “Link” to activate your PayMaya VISA Card.
  • Fill out the required details – your birthday and complete address.
  • Tap “Activate”.
  • Your card number, CVV, and Expiry Date will be displayed. You’ll need these information when you start purchasing online.


Add a credit card by clicking Profile

Add a credit card by clicking Profile

  • Login to Paypal and go to Profile
  • From the dropdown, click “Add/Edit Credit Card”
  • Fill up the form with the EXACT ADDRESS you have provided in your PayMaya Virtual Account when activating

Paypal will widraw $1.00 from your PayMaya account so make sure that you have at least P150.00 – P200.00 in your PayMaya Account.

PayMaya for PayPal activation

PayMaya for PayPal Activation

Upon success, your PayMaya account will be deducted $1.00 and your PayMaya virtual card will appear on the activated credit card list in your PayPal.

Please see: PayMaya Review and Comparison


The TechnoJunkie of the group who studied engineering but got stuck with software development. Remember kids, 90% of your problems can be solved by marketing. Solving the other 10% just requires good procrastination skills.

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542 Responses

  1. Rey S. Mendoza says:

    diba naga ask ang paypal activation code makita ba sa paymaya history of transaction?

  2. Rey S. Mendoza says:

    mag appear ba ang code ng paypal sa paymaya history

  3. Benjie says:

    Hi sir. I have successfully linked my Virtual card sa paypal ko and it appeared as Mastercard. Pero yung problem ko ngayon is yung Paymaya physical card ko po. Declined po lagi sinasabi kapag nililink ko since kelangan ko po sana ito to withdraw money in ATMs. Activated, upgraded naman na din po yung card. Tama dina ng details especially the Billing Address. Bakit po kaya ayaw mag link?

    • Declined saan? Mastercard can’t receive money from other sources.

      • benj says:

        Sa Paypal po. It says, “Your card has been declined…” Yan po yung lumalabas sa Paypal kapag nililink ko ung physical card ko sa paypal. Now, hindi ko po nagagamit sa pag withdraw ng funds ko from Paypal yung physical card

      • Hindi pa ba naka link sa ibang PayPal account yang physical card mo? Me laman ba yan ng naglilink ka since mag tetest charge ang PayPal ng $1 up to $2. Kapag nakaverify na or me naka link ng card before sa PayPal mo, linking feed is automatically refunded on the same day.

      • benj says:

        May laman po na 300 but still it can’t be linked sa Paypal po kasi sabi “Your card has been declined” daw po.

    • Nagdedecline lang ang PayPal kung naka link na ang card mo sa ibang PayPal account or walang makukunan ng pondo sa PayMaya mo dahil sa walang naka link na account or walang laman ung account na nakalink

  4. Imelda says:

    Hi , Parehas namn po ung name ng paymaya ( Verified ) at Paypal ko same info po sa lahat pati gmail na ginamit ko sa paypal same rin po pero bkit ganun parin po ung lumalabas .. “Sorry, we are unable to process your request. Please try again later.” Please help me po kung anong dapat gawin. Thank you.

  5. roxanne says:

    how to refund money in paymaya

  6. jan Paul says:

    Hi po, ask lang po ako regarding sa paymaya visa card na ni linked ko sa paypal ko. Hindi po ako maka withdraw ng funds from paypal ang lagi po na sinasabi ay “Sorry, we are unable to process your request. Please try again later.” Please help me po kung anong dapat gawin. Thank you.

  7. Rc says:

    Hello po . Ask ko lang po if mag kaiba po ba yung virtual card account number dun sa pina deliver kong card ko na paymaya paywave card ko . . Or same pa rin po nang account number??

    • Card number is different, ung physical card will be delivered WITHOUT any account. Kung saan mo sya ilink na PayMaya account, un ang magiging account nya.

  8. jhazmine martillano says:

    hi po napindot ko po kasi yung block sa link ng card paano po tatanggalin yun o kaya paanonpo iaunblock?

  9. Anthony says:

    I can’t withdraw my Paypal funds via Paymaya Visa Card, I have an upgraded Visa physical card po.

  10. engelyn says:

    ano po yung csc sa paymaya pag confirmation sa link

  11. Kevin Dale says:

    Hi sir yung paymaya ko po may laman n 100 pesos pero nung ni link ko siya sa paypal ko nagkaka error ansabi: we were unable to process your credit card registration at this time please try again at a later date, wala nmn po mali sa mga nilagay qoh lahat tama

  12. Danilie Raganit says:

    Pano and kelan ko po makukuha ungpaypal code sa paymaya? salamat po

  13. Simone says:

    Bakit di po magamit ang paymaya card ko sa department stores? Un authorized ang lumalabas pag gamitin as debit. Upgraded naman card ko.

  14. marion says:

    nasan po ccv ng smart mvp rewards card? di ko po kasi makita..

  15. K says:

    Hello. Paypal will ask for the 4-digit code to verify the card, right? Will you see that code in your Paymaya account? I want to clarify before I jump into this Paymaya thing. Thanks!

    • Code will be sent with your PayMaya transaction confirmation. It is usually in this format “XXXX-PayPal approval/purchase” where the XXXX is your 4 digit PIN code. Make sure you have at least P55 for the $1.00 test purchase and at least P100 for trial transfer.

      The P55/$1.00 and the potential P100 test will be refunded.

  16. Mei says:

    Need po ba ng bank account bago makapag withdraw using PayMaya?

  17. Mina says:

    Hi Sir,
    Question lang po, ano po ba dapat i link kay PayPal? Yun pong virtual card ni PayMaya o yung mismong Physical card? Magkaiba po kc cla ng card numbers dba po?
    Thanks and God bless po.

  18. marlon sangalang says:

    possible po ba na mag add funds from paymaya to paypal account??

  19. Edith says:

    pwede po bang magtransfer ng funds sa paypal to paypal account.. for example po magbbyad sa friend tru her paypal account

  20. If I’m not mistaken, paypal account cannot be linked with the paymaya account if the latter doesn’t have at least 200 peso balance, right? Thank you!

    • coderinthebox says:

      P200 is the safe amount. PayPal only charge P50-P70 as test payment but sometimes, PayPal charge an extra P100.

  21. Marco Silverio says:

    pano po ba malink ang Paymaya CVV sa Paypal po..

  22. Jerome Estebam says:

    Bakit pag nili-link kona yung card kong binili sa paymaya app laging sabi lagi “invalid card details” diko tuloy malink help me please

    • coderinthebox says:

      Make sure na tama ang details na nilagay mo. Lahat ng details ay nasa card mismo. 99.9% ng problema sa pag lilink ay dahil sa user input. Example, nag iimbento ng expiry date.

  23. Leegen says:

    Please help a scammer is using paymaya
    Is there any chance to detect the owner? I dont have any idea about paymaya all i have was the 7-connect reference of my transaction to paymaya owner.

  24. marj says:

    Sir nag withdraw po muna ako from paypal to paymaya account ko po ng hindi ko pa po na veverify. Papasok po ba to please reply po

    • coderinthebox says:

      Hindi ka makaka withdraw kung hindi pa verified. Do you mean na hindi pa upgraded ang PayMaya mo?

  25. koymigs says:

    Hi. Bakit hindi ako makap pay. Lagi cnasabi add credit or debit. Sinusnod ko nmn process. Kaso di nga lang ako nakabusiness account.

  26. Gloria says:

    Ano po csc sa activate ng paymaya

  27. Ken says:

    Bkit po kaya payment declined kpgmg send ako pera sa paypal? My laman nman yun paymaya ko, payment declined yun error ng appear.

    • coderinthebox says:

      Hindi ka pwedeng mag send ng pera to PayPal. It is PayPal that will charge your PayMaya.

      • Ken says:

        Zero funds paypal ko sir yun po sabi ng paypal you can send money even zero funds it will charge it to your card.. Kaya ngtry ako magsend ng pera sa friend ko payment declined nklagay contact card issuer

      • coderinthebox says:

        “you can send money even zero funds it will charge it to your card”
        Your card will be charge, meaning that the money will be deducted on your linked cards. If all of your linked cards (including PayMaya) declines the transaction, the error is DECLINED.

  28. Bea says:

    Hi they deducted 100pesos from my PayMaya when I tried to link it to Paypal. How long does it take for me to have a refund, its been more than 2 days.

  29. Michael angelo says:

    Nasan po yung expiration date and csc number ng virtual card ko to connect to paypal

    • coderinthebox says:

      From app, go to “My Cards” and click your virtual card. Then select “Online Payment Card Number”.

  30. Jenn says:

    Hello po ask ko lang po if i can use my my bank card here abroad na naklink sa paypal account k po..para malink k sa paymaya or as in PH bank lang dapat?

  31. marlon says:

    ni link ko paymaya ko sa paypal but ganito sinabi “This card is not accepted. Please use a different card.” paano po ba ma link?

  32. Macy says:

    Ano ang i-link ko sa paypal, is it the physical or virtual card? My purpose in the future is to upgrade my paymaya account para maka withdraw ako ng cash using my payamaya physical card.

  33. PRL says:

    Hi! Can I use paymaya to verify a “Buy with Paypal” account? Thanks!

  34. carmelita says:

    where i can see the paymaya bank code? number? for i can link to my paypal?

    • coderinthebox says:

      PayMaya is not a bank and never will be a bank.

      It just takes a few minutes to read and understand that you have a virtual/physical VISA/Mastercard card. By logic, if you have a VISA/Mastercard then you should be linking a card.

  35. Gracy says:

    Paymaya how can I totally upgrade my registration in my physical and virtual card? I cannot transfer money into another paymaya account. I already received the registration id via sms then what’s next

  36. jin says:

    where can i find the 4 digit paypal code?


  38. JC says:

    Pa help po bakit hindi ko ma link paymaya ko sa paypal, declined by user or use other card daw. May laman paymaya ko mga 1400 pesos pero ayaw parin mag link. Pa help po

  39. danruffy says:

    Hi, can I ask help through here? I’d like you to see these images I saved. I’m really really new to paymay, and also to banking. So the jargons are a bit too much for me here.

    Here’s my wallet.. I’ve already linked paymaya here:
    Here’s my inbox from paypal:
    I followed the latter:
    Now this is the last part:

    I actually don’t have a bank account. And I don’t really have the money for it. I made the paypal to accept donations for a medical fundraiser. My family got into an accident. And, I can’t withdraw or send the fund. Will you please help me? My family is really in need of the donations we received. Please please.. help. We’re nearly reaching the 7-digit mark, and I’m really freaking out. 4 of our family members are in the hospital due to a road accident. Please help me. If i have to beg, I will.

    I’ll post here my email. I hope others won’t play with it.

    • coderinthebox says:

      PayMaya is not a bank, it is a prepaid credit card/debit card.

      You can’t cash out any money from PayMaya if your account is not upgraded and PayMaya have a max cash in amount of P100,000.

  40. IMEE NALLA says:

    what is bank code of PAYMAYA

  41. Archie says:

    Pay Maya virtual credit card(VCC) can use for payment in google play developer console (

    • coderinthebox says:

      As long as the website can accept VISA or Mastercard, PayMaya will work.

      • Archimedese says:

        thanks for reply… are you sure? because i will do it by paying $25 into google play developer console….

  42. Tine says:

    Hi how muc ang withdrawal fee kapag ng withdraw ng money from paypal to paymaya?

    • coderinthebox says:

      Usually it is P250.00 per transaction, PayMaya often have promos bringing the charge down approximately to P100. It is PayPal that charges P250 as service fee.

  43. charlie tango says:

    Hi, may binili ako sa japanese online gamit paymaya, na canceled for refund and na deduct na yung pera sa paymaya ko. Mga ilang araw kaya abutin bago ko ma tangap yung refund from international online seller? Thank you po.

  44. cafelavablog says:

    Hi, How long would it take bago ma refund yung test fee and verification fee na binawas ng paypal sa pay maya ko? Thanks!

  45. walter says:

    Hello, i just want to ask what is the bank code and bank name for my paymaya visa card? Bcs paypal asking it everytime i tried to link my card as bank account.

  46. Nina Gong says:

    hello, pwde po ba patulong? medyo naguguluhan kase ako e. na-linked kona ung visa card ko sa paypal tapos nag withdraw ako at ngaun pending pa rin sya. pero wala akong na recieve na txt o code ba un para sa paypal? tapos hindi rin nabawasan ung balance ko sa paymaya.. pero naka tanggap ako ng txt galing sa paymaya na ”oops! something seems to have gone wrong with your paypal 40 payment. .. ibig po ba sabihin hndi sya succesful na nalink? paano po kaya ung fund na naka pending ung withdraw ko kahapon? tulong naman please//

  47. Raphael Alipio says:

    Pag na verify na po yung card ko sa PayPal then yung 200 pesos mababalik sa balance ko or not?

  48. Benigno Punzal Jr. says:

    Ask ko lang po, nung january na link ko na po ang paymaya ko sa paypal, today naman ay dumating na ang inorder kong physical card, na activate na po ang card, pero pag e link po ang card sa mobile app paymaya virtual card, need daw po magload ng 50? kaylangan pa po ba talagang magload ng 50? may balance pa po ang paymaya account ko ng 150pesos. Thank you po sa reply. More power

    • coderinthebox says:

      You can’t link an activated card to an existing PayMaya account. Basically you created a second account using the card.

  49. Armi says:

    Kelangan ba may balance yung paymaya account bago mai-link yung paypal account? Everytime na ia-attempt kong i-link yung dalawa ang sinasabi sa paypal eh ‘card declined by issuer.’ Parang ganun. Heeeelp

  50. mike says:

    Hello po bakit po antagal nung code na isesend sa akin

  51. Raemari Cruz says:

    Hi! Pa-klaro lang po kasi naguguluhan ako at baguhan ako sa ganito. Kailangan ba na may laman na halos 200 yung account ko sa PayMaya bago ko ma i-register sa PayPal? Same info naman po yung nilalagay ko pag-add ng credit card at visa rin ang card type, pero ang sinasabi ay “This card is not accepted. Please use a different card.” Ano po ba ang dapat kong gawin? Salamat!

    • coderinthebox says:

      Make sure na activated na ang physical card mo at upgraded. Kung virtual card naman ang gamit, make sure na activate na ito.

      • roman says:

        saan po makikita yung 4 digit code po na bibigay ni paypal?
        yun po bang 3 digit code sa harap po ng pay maya card yun po ba ang ilalagay sa paypal same with card number

      • coderinthebox says:

        You will get it from a separate text from PayMaya. It is the first 4 digit from the PayPal charge

    • Jerry says:

      Oo ata kasi gawa ng magdededuct ng 50 eh.ganyan dn nangyayari sakin

  52. Jonas Kurt says:

    After reading all the comments, I still don’t get why pa-iba-iba charge ng Paypal (50,100,150,200). I have successfully linked na po yung PayMaya with PayPal (assumming that’s what it meant when seeing a VISA card as credit card sa PayPal account ko). My balance was 100.00 and it’s been 14 hours since I linked them. Balance for both are now Php 0.00 and may red flag sa PayMaya app ko (14 hours na as of this comment) saying “This Purchase is currently being processed.”

    Do I need not to worry about this, and wait more days? or do I need to load more balance sa Paymaya app ko? Sorry to ignore the comments saying 1-5 days confirmation from PayPal, but it’s just thrilling na the charge and waiting time for all ay hindi pare-pareho. Thanks for an answer in advance!

    • coderinthebox says:

      50,100,150,200 are charges when you transact to PayPal, it is affected by promos.

      Test transactions for verification is $1 and it will try to take another $1. Both will be refunded since PayPal will cancel both transactions

      • Jonas Kurt says:

        So I guess I have to wait longer or for a few days. Thanks so much!

      • Jonas Kurt says:

        After less than 2 days, nabalik na sa paymaya yung balance kong 100.00. Thanks for this post!

  53. SamHoward says:

    Bakit ang bagal erefund ng paypal ang verification fee ko?
    10 mins na pagkatapos na send at na verified ang account hindi pa rin nairefund ang 100pesos ko.

    • Jonas Kurt says:

      Nasolve nyo na po ba to? 2 hrs na po saking ganto, nawala sa paymaya yung 100.00 balance ko, expecting na baka nasa paypal na. Pero paglogin ko ng paypal 0.00 din ang balance.

      • coderinthebox says:

        P100 is a test transaction, it won’t get credit to PayPal instead it will be refunded.

  54. Arlyn says:

    Hi. Nasend nasakin ung code pero lging error bat po ganun

    • coderinthebox says:

      Code from PayPal? Itype mo yan dun sa PayPal authorization code para sa PayMaya card. Verification yan.

  55. Pauline de vera says:

    Hello po!I tried doing this today…nag reg po ako sa paymaya using all the info na nilagay ko sa paypal account ko then nag load po ako sa 711 ng 150 para sa paymaya and ginawa ko instruction…visa then yung card number then yung valid thru and cvv2 # pero ayaw po nya mag work..invalid card # daw po..yung virtual card na binigay sakin ng paymaya is mastercard so I tried na mastercard ang card type then account # then valid thru then cvv2 # ang lumabas naman po is expired na anh card #.ilang beses ko po sinubukan pero yun at yun po lumalabas.ano pa po kayang ibang option para ma verify ko ang paypal ko kasi mostly sa mga trabaho paypal po talaga ang kailngan.

    • coderinthebox says:

      You can’t use VISA as card type kung MasterCard ang card. That won’t work since you will be passing a MasterCard number to VISA company.About your MasterCard, you need to activate it and sadly, Smart is the one who can answer your question plus MasterCard can’t accept money from PayPal.

      Smart Mastercard is being maintained by SmartMoney group
      Visa is being maintained by PayMaya Group/Voyager

  56. Question: I got my physical card today and noticed that it has a different number from my Paymaya Virtual card. I tried activating the card via SMS but failed siya. Invalid daw or already activated. So what I did is I tried adding the physical card to my Paymaya app. It got activated. Now the question is, pano siya loloadan ng credit? Same number ba that I have used on my virtual card? Will they share the same balance?

    • coderinthebox says:

      You cannot activate the card via SMS if you already have an existing PayMaya account on that sim. You did the right thing, that is the proper way to connect your physical card to your virtual card. Once linked, they will have the same balance.

    • Now the question is, pano siya loloadan ng credit? Same number ba that I have used on my virtual card?
    • When loading PayMaya accounts, your account number is your SIM number. Never use the card number to load up except if the sender is a credit card sending money to your PayMaya card (virtual or physical).

  • saints says:

    does that mean po ba na either of the 2 card numbers ay pwede namin gamitin kasi parehas nman sila ng balance?

  • coderinthebox says:


  • Joseph Pascual says:

    Question lang po, nailink ko na paymaya ko sa paypal ko nabawasan na ng 100, sa paypal ko 100% verified nako, pero pag iaattach ko sa fb payment methods ko, nagaask pa rin ng card, gano po ba katagal bago maconfirm ang paymaya sa paypal?

  • coderinthebox says:

    Facebook is Facebook. PayPal is PayPal.

  • Maxthekiller12 says:

    Sir paano po ito? Na link ko na po yung card ko pero 100pesos lang nalagyan eh laman ng paymaya ko po 200pesos paano po ulit lagyan?

  • coderinthebox says:

    PayMaya cards have no accounts linked with them. This mean na hindi nalalagyan ng laman ang Physical card hanggang hindi ito naiconnect sa isang actual account. The physical card once linked only connects to the actual PayMaya account (CP#) which mean na kung magkano ang laman ng Physical card na nakikita ay un din ang laman ng PayMaya account mo. Login to your PayMaya account to see your transaction logs and to figure out what happen.

  • nino says:

    kakatanggap ko lang ng paymaya card ko nunh i-activate ko trough tex invalid or used sya… firsy try ko kasi nagkamali ako then nakatanggap ako ng msg na wrong format… sa second try ko… yun na invalid or already been used na sya… tumatawag ako sa number nila wala sumasagot… gusto ko na sana maactivate ito para malink ko na ito…

  • jorge says:

    sir pwede ba gamitin yung pay maya pang add funds sa paypal?

  • Irene says:

    Hello po.tanong ko lang makakapagsend ba ko sa ibang paypal account ng funds kahit hindi upgraded yung nakalink ko virtual card sa paypal? Kasi di ako makapagsend at hindi ko rin matransfer ang paypal funds ko sa paymaya na nkalink s account ko..Hindi ko kasi alam kung yun ba ang problema.2 weeks na ko nakakreceive ng error na .”We can’t send your payments right now. If the problem continues please contact customer support” kinontak ko na rin sila .Wala sila maitulong.

    • coderinthebox says:

      PayPal and PayMaya are two different company, you don’t need PayMaya to transfer PayPal to PayPal.

  • Hi po maam/sir nag try po ako na loadan yung paymaya ko sa 7-11 nung nasa cashier na po ako ayaw daw po

  • marlon says:

    paymaya link card error! you have entered invalid card details

    • coderinthebox says:

      Make sure you are linking the correct type of card. Visa physical card to Visa virtual card. Check the details, nasa card mismo LAHAT ng need mo na info.

  • Aiko says:

    Hello po, may physical card na po ako. Question lang, if magwi-withdraw ng funds from an ATM machine, sa’n napupunta yung pera? Savings or Current? (Never used a card before so I’m new to this, sorry ;;) Thank you in advance!

  • Rose Ann says:

    ayaw nang mag open paymaya application sa tablet ko..”failed to initiate application” kadadating na ng card ko, gusto ko pa man ding i link para maka pag withdraw ako.

  • Kenneth says:

    Pwd bang ma swipe ang paymaya card kahit walang laman basta nka link ito sa paypal? i dededuct ba diretso sa paypal?


    • coderinthebox says:

      No, kelangan me laman ang PayMaya before ka makapag swipe. PayPal is not part of PayMaya.

      • MC says:

        I have my virtual PayMaya card (with PhP2000 in it) linked in PayPal (successfully verified and also got my refund back).

        Do I have to transfer my PayMaya funds to my PayPal balance to be able to use PayPal method for purchases? (and also, I can’t find the option to do that in PayPal, so hope you can help me out in that regard)

        Or can I just go with PayPal even if it has zero balance? (assuming PayPal will just deduct the amount from the card I linked to it which has more than enough funds)

      • coderinthebox says:

        PayPal will take more from your PayMaya when needed but why use PayPal to purchase when your PayMaya card can do it free of charge? PayPal charge at least 5% for usage plus they have the worst conversion rate.

      • MC says:

        Thanks for the response, Coder. Well, I directly used my virtual PayMaya card the first time around (activated and with more than enough funds as stated above) but the payment gateway/handler of one site kept declining the payment for a purchase worth PhP250. I also made sure my card details were properly inputted, so I couldn’t figure out what else was the issue with directly using the card. I might just go through PP in that case since it’s offered as an alternative method (my concern though is that my PP account’s balance is at 0.00, so I had to double-check if it’s just going to use the funds from my PM card or not for any transactions I make as I couldn’t find an instruction on PayPal’s site on how to transfer funds to PayPal).

      • coderinthebox says:

        Link your PayMaya to PayPal. Once the link/activation completes, Paypal will automatically get funds from your PayMaya.

  • xtal says:

    hi po makaka withdraw po ba sa paymaya or ma convert to cash po ba un?

  • Maryjanesalongga says:

    Nung minsan ginamit kobpo ung paymaya card ko sa pag grocery tinanung po ako credit daw b o debit?nung sinbi ko debit tinanung ulit ako savings daw ba account “…” nkalimutan ko pu ung isa,tapos sabi ko po savings,tspos pintype pin ko,invalid naman,anu po dapat?

    • coderinthebox says:

      Papasok yan kung savings, basta tama ang pin. Me charge lang na P15 pesos.
      Debit = Savings Card

  • Jolee says:

    Sir/maa’m bakit po invalid card details? Tama naman po lahat details na nilagay ko. Pag nag paymaya link ako. Plss help po..

    Kailangan ko ba loada’n para ma activate ung account ko?

    • coderinthebox says:

      Login to your PayMaya, read the manual that comes with your card.
      Goto “My Card”, click “Link Card”. Fill up the correct Card number and expiration number and fill up the correct CCV number. It is on the back of the Physical card.

      • Lou says:

        Hi bagong dating un physical paymaya card ko. Invalid din kapag ilink sa paymaya app ko tama naman ako sa procedurw bakita kaya ganun?

      • coderinthebox says:

        Key in the correct Validity dates (found in front of the card) and Keyin the correct CCV (found at the back)

      • coderinthebox says:

        If you are using a Smart Mastercard PayMaya (migrated Smartmoney), you will fail linking a card since the card is a VISA physical card.

      • CZAR PAUL says:

        paanu poh ang gagawin para ma link ang MASTERCARD (VIRTUAL) sa ACTUAL (VISA)…. at saan poh ma designate ang 6pins para magamit ito sa malls ang actual card …

      • coderinthebox says:

        You can’t link a VISA card to a Mastercard card. It is like telling Smart to convert your regular load to Globe Gcash. You set the PIN at your PayMaya app

      • Jayson Gamad says:

        Ganito rin Problema ko, yung Physical card ko ay hindi malink sa Virtual card ko. tama naman lahat. Patulong naman po sir coder, salamat.

      • coderinthebox says:

        Anong nakasulat sa PayMaya account mo? Is it VISA or Mastercard?
        What error did you get?

      • Dex says:

        Sir sakin ayaw dn po mag link.invalid card details daw po. Tiningnan ko yung card tama nmn po ako. VISA po yung nakalagay s card ko.
        By the way po na activate ko n po pla yung card via text bago ko sinusubok maglink.thanks

      • coderinthebox says:

        You can only link Visa Physical to Visa Virtual. Visa to Mastercard is not possbile

      • Sir gnyan dn po problema ko pag link ko nakalagay po invalid card details inisa isa ko,tama nmn yung nilagay ko.
        By the way po pla na activate ko n yung card ko via txt bgo ko sinubok ilink s apps.
        Kindly reply po.thanks

      • coderinthebox says:

        If you activated the card via text, it is linked on the sim card used to text. Example ginamit pang text ang 09201234567, yung card ay sa sim number 09201234567 na lang magagamit.

      • czarpaul says:

        i got thesame error… my virtual card is mastercard and i got paymaya visa… how can i designate a pin if always prompted na “you have entered invalid card details” panu poh at saan poh ang pin

  • Pam S. says:

    Hi po. Nagload up po ako sa 7-eleven ng 100 pesos para nga po sa activation, kaya lang po nung kinonnect ko na po siya sa Google Play Store, nagbawas po siya bigla ng 60.00 so naging 40.00 nalang balance ko. Ano po bang nangyari 🙁

  • mc says:

    Hi! Ask ko lng, nilink ko kasi ung physical card ko sa PayPal ko. Ngcharge ng 100.(2nd charge). Nilink ko nung nov8. Pero hinde pa narerefund ung P100. Marerefund ko pa ba un or hinds na? Tnx

    • Jass says:

      nkuha ko nman agad ung paypal refund ko ng mbilis dati june
      “cancelled purchase > refunded money: from paypal” within a minute
      (or at least un ung nka lagay s paymaya app)

      ung steam test purchase september
      cancelled lng, ndi ko ntrack kung bumalik b ung 40php ko

      steam game refund end of oct
      almost 2wks ng nstuck s “approved purchase” hindi ko alam kung mtgal b tlga update nun, npansin ko lng kc malaking pera un, syempre wla prin un pera sa paymaya ko

      (additional note)
      kkcheck ko lng ng review, more or less 80 ung 1star reviews simula nung october out of 190. which is alot in just a month (almost half), baka tambak ng work dhil s smartmoney thing sbi ni sir coderinthebox. bad timing?

      try ko mg load mmya bka sakaling mg update

  • Meshel daraug says:

    Ask ko lang po sana,bakit LINK CARD ERROR ang paymaya ko pagkatapos ko mafill apan yong mga details sa paymaya apps,tama naman yong number nilagay ko,na nakalagay sa paymaya card ko

    • coderinthebox says:

      Nasundan nyo ung guide doon sa kasamang papel ng physical card?

      • Roch says:

        Ang ginawa ko , nag register ako ng mobile number ko sa android app ng paymaya kasi wla ako load that time, tapos naka text na ako, tinext ko yung activation yung nasa papel. kelangan kasi daw i activate muna bago gamitin, kaya ayon, pag link ko ng card ko sa paymaya app ng android LINK CARD ERROR DAW. (You have entered invalid card details). di naman ako bulag para di makita ng tama yung cc no ko at cvv. hay nako

      • coderinthebox says:

        Check your PayMaya account if it displays “Smart Money Mastercard”. Smart Money Mastercard won’t work with Physical PayMaya Visa Card. You need to nag and complain to Smart. Smart is moving all Smart Money accounts to PayMaya and they have a strict contract that ALL NEW ACCOUNTS using Smart sim will be activated as Smart Money Mastercard.

        No plans in printing physical cards for this version of Smart Money.

      • Ephraim says:

        i also experienced the same thing. Pa’no po ba ang process para maging successful ang pag link? pls reply

      • coderinthebox says:

        Activate your PayMaya card (virtual) or Upgrade your account and purchase a Physical card. Once upgraded, link your card to your PayMaya account. Load up at least P200.00 and link your PayMaya to your Paypal

  • Sir andito na ako sa sharja UAE at may activated na akung paymaya account at ang gamit kung cp# ay globe pwd ba magpa fund sa pinas kahit di naka roaming ang sim ko na globe?TIA sa sagot mo sir.

  • gheancent says:

    bakit di ako makaprocess ng link q kasi gusto q gumawa ng pin # q?

  • Ako po ba gagawa ng card number at cvv sa paylpal. Or pwede ko po bang gamitin ung paymaya card number ko

    • coderinthebox says:

      Hindi ka pwedeng gumawa ng Card Number at CVV security code. Kelangan valid na account ang ililink mo. Ung PayMaya info ang gamitin mo.

  • Carolyn says:

    Ako po ba ang ggawa ng paylal card number pati po ung cvv . Or Puwede ko po bang gamitin yung paymaya card number ko sa paypal card number
    Pati po ung cvv…

    • coderinthebox says:

      Hindi ka pwedeng gumawa ng Card Number at CVV security code. Kelangan valid na account ang ililink mo. Ung PayMaya info ang gamitin mo.

  • Patrick Lao says:

    Hello na confirm kona yung paymaya ko sa paypal. yung 100 na deducted kelan puba ma ibabalik? saka deducted sa steam 40 php ma re-refund paba?

    • Patrick Lao says:

      Nvm yung 100 sa paypal kasi irefund nila within 1-30 days, yung sa steam naman 40 php ma ibabalik paba yun? kung oo gaano katagal?

      • coderinthebox says:

        Steam test purchase will refund within the same day. I got mine in 3 mins but some get the refund in 7 days. It depends on what you are trying to do. If you are purchasing a game, it will get refund pretty fast but if you are purchasing a steam wallet, it will take 1 – 7 days.

      • Jass says:

        nag-refund ako sa steam ng game within 1 day, oct 29. pero hanggang ngaun wala pdin nov 5. “approved purchase” prin ung status, nag-ask n sa support kaso dami hiningi, nalito ako. forever nlng bang “approved purchase” un at hindi m ‘cancelled purchase’ ng auto after some time? forward ko nrin ung Refunded Purchase s knila. within 14days nman kaso 1 week n worried lng.

        coderinthebox August 16, 2016 at 4:22 pm
        PayMaya also automatically refunds since it is VISA but the other end must cancel the transaction. The merchant you purchase from may have NOT cancelled the transaction and it successfully credited on their Credit Card. That is how online purchases work, if the other end won’t cancel, it will complete and the money is on the seller.

        (doubt nman akong hindi ncancel ng steam kung approved n nila yung refund ko)

      • coderinthebox says:

        Me issue ang PayMaya ngayon, pinilit nilang minamigrate ang Smartmoney to PayMaya. Kahit ako nag kaissue nitong past 4 days, inubos ng PayMaya laman ng card ko dahil sa nag error na SmartMoney link.

        About sa steam, hindi sila kusang nag cacancel ng payments. As a side note, me napansin din akong kakaiba sa mga sumasagot sa PayMaya support email, nanghihingi sila ng info na nabigay mo na ng ilang ulit.

      • Jass says:

        nbigay ko n mga requirements,

        letter of request (few revise,iba iba hinihingi nila dpende kung sino support, hanggang s nilagay ko nlng lhat xcept CVV)
        valid id (though student id ginamit ko, ok nman daw ewan ko lng pg iba n ng support)
        email from merchant ( un ba yung “print>save as PDF”?)

        real question: mg rerespond pba sila n confirm/approved na yun? 4 days n wlang response after nbigay ko mga req, ndi q n alam ngyari

        npunta cguro s spam lol. nag send ako saturday at monday
        inisip ko nbaon cguro sa dmi ng work nila? (i dunno if marami tlga my problema s customer support)

      • coderinthebox says:

        Sa ka ba nag papadala. don’t add your CVV.
        Base on recent experiences, they won’t confirm if it was refunded. Their admins must be busy with Smart PayMaya integration issues. Got mine refunded without any notice.

      • Jass says:

        yea right email add, prang nbasa ko 30 days auto pg wlang refund request sa paymaya. hope ko lng mkuha asap
        last na: so tlgang wlang notice like email/SMS? saka anu lalabas s paymaya app

        Green>Received money from ___
        Red>Cancelled purchase __

      • coderinthebox says:

        Green. Refunded transaction sa APP.. No SMS, meron sya dati.

  • Jfk says:

    Bakit ayaw maglink nung paymaya card ko?

  • nickarter guevarra says:

    “ano ang gagawin ko,nag activate po sana ako kanina ng paymaya visa card ko kaso po nagkamali po ako ng input na dapat etxt nung inulit ko po ay hindi na nagreply ang paymaya..please tulungan nyo po ako na maktibeyt ko ang visa card ko.” wala po kasi ako pantawag.. phone call tapos nasa vavite pa ako.

  • HoneyPearl jacob says:

    sir help po naman nagtransfer ako sa paymaya ko ng $350 ? kaso walng balance ang lumalabas ano po gagawin ko?

    • coderinthebox says:

      Walang balance na lumabas saan? What day and time ka nag transfer at naka tanggap ka ba ng success confirmation?

  • Bryan says:

    hello! 24 hrs lang po ba talaga ang pagtransfer ng funds from paypal to paymaya?

    • coderinthebox says:

      Do it on Monday for 1 hour to 1 day processing on average. Avoid doing it on Friday, Saturday and Sunday since it MAY take up to 5 days max of 7 to complete. The day of week is important, I have no clue if this is on PayPal side or PayMaya but I bet it was on PayPal, same condition now applies on my EON card from union bank.

  • Patricia says:

    Hello, nawala po ung 1st comment ko. I have 2 questions po.
    1. Meron po akong Paymaya (verified) and BPI bank account (unverified, no VISA logo) sa Paypal ko. Kung Verified na po c Paypal bcoz of Paymaya, makakawithdraw po ba ako from Paypal using BPI account?
    2. Kung hndi pa po narefund ung verification charge sa Paymaya, does it mean hndi pa verified c Paypal po? Please email the answer in case my post is not allowed. thanks a lot 🙂

  • Patricia says:

    Hello. May BPI account po ako saka Paymaya sa Paypal ko. Paymaya is verified and ready to use as stated on my account. BPI is unverified since wala pong VISA/MASTERCARD logo. Savings lang po sya. Since verified na po ang Paymaya ko, pwde ko bang gamitin si BPI account ko pang withdraw from Paypal? Thanks 🙂

    • Patricia says:

      One more question, nabasa ko lang sa reply nyo below po. PayPal will remove the pending status if the link was successful. Does it mean na pag hndi pa narerefund yung charge hndi pa po verified?

      • coderinthebox says:

        Verified or not, it will refund but if PayPal will charge you with P100 (second charge), refund will start after a successful verification. If the P100 was not refunded, mail, it may have been stuck on their end.

    • coderinthebox says:

      Add your BPI account to your PayPal account. You need to add your BPI account as bank and the linking process is different.

      • Patricia says:

        Hi. Thanks for the response. Bpi account is added, though not verified kasi po Easy savers account lng po sya, i learned na hndi po ito maveverify ng Paypal. Pero Paymaya po is verified na. Mkakapagwithdraw po ba ako from Paypal using my bpi account?thanks po

      • coderinthebox says:

        As long as you have provided the correct “Name” as it appeared on your account, correct bank name, correct bank code and correct account, you can withdraw. BPI sometimes charge a fee for withdrawals while PayPal is not charging any for 7000 transactions. If you have provided any wrong info, the money may bounce causing you to be charged P250 by PayPal. You don’t need to verify your bank account.

      • ano po yung 9-digit Bank code na gagamitin?

      • coderinthebox says:

        9 digit bank code is for linking your bank account to PayPal, ask your bank for their code. It is not part of PayMaya.

      • coderinthebox says:

        By the way as a warning, I noticed that PayPal removed the option to pick savings or checking account. This will cause errors in the future.

      • Patricia says:

        Oo nga po. Automatically Checking ang nakalagay. I think I’d rather use Paymaya to withdraw nalang. According to their website they will refund php200 withdrawal fee in 3 business days. Promo from sept 22-dec 21, 2016
        Thank you very much po sa pagsagot 🙂

  • ryan says:

    i want to use paymaya here in dubai but it seems its not available in the google play store here. i can download the apk but do you have any idea how can i add funds if i ever activated one here in dubai?

    • coderinthebox says:

      You need a Philippine registered sim card in order to signup. Adding funds require you to have a contact in the Philippines to add funds via bank, kiosk or customer support centers.

  • Judilyn faustino says:

    Hi po phelp nman po nilink ko po yung paymaya sa PayPal una po nagtxt ang paymaya na credited na yung yung 4digit po San ko po ba yun mkita.nirefund nrin po ng PayPal yung 48 na nkaltas sa paymaya ko.pls po help ano po yung next step.thanks po

  • Amy says:

    Bakit po ganun naiadd kona poh ang paymaya visa ko sa PayPal account ko, sa may edit/add card. May ngtext narin poh sa number ko na confirmation code from PayPal. Pero diba poh dapat may charge sa paymaya ko na 100.00. Pero Hindi po nabawasan balance ng paymaya ko. I big sabihin Hindi pa successful ang paglink ng PayPal account ko sa paymaya visa ko. Please help me.

    • coderinthebox says:

      PayPal will remove the pending status if the link was successful

      • Judilyn faustino says:

        Hello po tatanung ko LNG po gaano po ba katagal matanggap ko yung 4digit code sa PayPal.inad ko po kc yung paymaya ko sa PayPal ngayon yung kinaltasan po ng 48 yung paymaya yung 4digit ko po kailan ko mreceive.thanks po

      • coderinthebox says:

        It should come after the 48 refund text but on random occasion, PayPal charges P100 as extra and only then they will send the 4 digit code.

        You can either email and ask for PayPal replies for the 4 digit verification code
        You can also login to PayPal, go to your linked card and click “resend validation”.

  • Amy says:

    Hi Coder,

    Tanong ko lang, nabawasan na ng 100.00 and nareceive ko na ung 4 digit code from Paymaya to verify my Paypal account. Pero every time I click “Confirm credit card” sa Paypal, may error na “This card is not accepted. Please use a different card.” Patulong naman please. TIA!

  • nyleve says:

    Hi Coder,
    Can I load up my Paypal using Paymaya? I registered with paymaya yesterday and I was able to upgrade as well. I’m planning to buy a physical card now to withdraw from paypal. However, I needed to fund my paypal first because they will be charging a verification fee as well to be able to connect with the website I’m working with.
    Thank you so much.

    • coderinthebox says:

      You don’t need to load up PayPal unless you only link bank accounts on your PayPal account. PayPal will automatically charge your cards linked to your account.

  • junior kilat says:

    Hi coder share ko lng experience ko with paymaya. Aug.13, 2016 I downloaded d app on my appstore and follow the drill and have it verified. Wala ako naging problema dito. Try to test load my account with the amount of 500pesos at 711, wla din akong naging prob dito. Ngtry din ako mg purchase sa amazon and itunes wla din ako naging prob. Aug. 16, bumili ako ng physical card nila sa website nila and its worth 150pesos na. Exactly 2pm this afternoon (aug. 22) na recv ko yung physical card. 2go po yung courier nila. non beep po yung card nila and hindi po personalize, card ID# lang po ang nka lagay instead of your personalized name. Sayang pero ok lng ganun talaga eh. I also tried to verify on my paypal account and it works. wla po ako naging prob basta you just have to follow the instructions on how to verify it. This morning ngpa sched po ako for upgrade ng account ko thru official fb page ni paymaya and nagvideocall naman po kmi ng representative nila pero medjo hindi ako pinalad dito kasi mahina po yung signal at connection ko ksi ang lakas ng ulan sa kanina. Sana lang po may mga kiosk sila sa mga provincial malls like SM or Robinsons para mka pg upgrade po kmi ng mabilis sa aming mga account.

    • coderinthebox says:

      I have been asking them to put up kiosk sa mga provinces. Sabi naman nila that they are looking on it. It will help if you will mail them at para mapansin po nila at bilisan ang pagdagdag ng mga activation booth or much better mag lagay sa lahat ng Smart at PLDT office.

    • Van says:

      naalala ko nun ngrequest ako for upgrade. ndi pa ko nakabitan ng pldt nun tapos gamit ko broadband lang. kahiya kay mis ysa kc ilan beses xa ngtry lagi disconnected. ginawa ko ako tumawag sa kanya and surprisingly, ng connect nman.mabilisan lng tlg kc baka maputol ulit. laftrip e.kudos to the lady.

  • says:

    How can I retriever my old paymaya account.?

    I forgot everything like my email password and my password of an old paymaya account, I can’t open it.

    I made a new email address.

    Q. What should I do now to retrieve my old account?

    • coderinthebox says:

      PayMaya does not require an email to login, you only need your cellphone number and password. For more account related issue, the best person to contact is the account management team. Write an email to

  • Jam says:

    Hi sir coder, i tried linking my paymay and it says “This card is not accepted. Please use a different card.”

  • Coleen says:

    Hi Coder. I linked my paymaya visa card to paypal and a code was sent to me. I input it accordingly and my Php100 balance became Php0. Paypal said that card is already confirmed. Do they return the fund to me since it is just for verification? Then, do i still need to fund my Paymaya with additional Php100 even though it is already confirmed by Paypal? How do I know if there are errors regarding the lacking balance? Please advise. Thank you!jaro

    • coderinthebox says:

      PayPal will only withdraw between P50 to P70, the P100 charge seems odd. If it is PayPal who withdraw the money, it will be returned in a few hours max of 7 days (for bank issues)

      • Coleen says:

        Hi Coder! I already received the refund. Im so haaaapppy with this Paymaya. I can reload my own number in a discounted price. I already tried purchasing online and it works! Last week, I bought a physical card online and it was delivered today. I hope that Paymaya could get lower withdrawal rates from banks. Pls. Update us Coder. Thank you! 🙂

      • coderinthebox says:

        Thank you, I keep on following up with them and no further announcement was given about a new partner bank.

      • Ako din nabawasan ng 100 pesos. Una 47.01 pero naibalik din same day. Sumunod 100 pesos na pero di pa din naibabalik. Bakit ganun?

      • coderinthebox says:

        Are you charged by P100 by PayPal? PayPal only charge once. Logged in to your PayPal and check what the charge was, most of the time, people gets charged by PayPal on a successful link if they have pending purchases from their PayPal account.

      • Van says:

        Twice din ako nabawasan. first yung 40+php na naibalik din same day pero yun 100php charge, after 24 hours binalik.

  • Ayan says:

    Hello. Itatanong ko lang po kung pano mag load sa paymaya virtual card and physical card gamit ang smart padala? Bali ang pay maya card ba na 16 digit?

    • Ayan says:

      Pwede ko ba i transfer ang regular load ko na 1thousand sa paymaya account ko. Kung pwede paano.? Slmat.

      • coderinthebox says:

        No you can’t. That is telco specific and PayMaya is not Telco Locked. Only Globe have that option.

    • coderinthebox says:

      Send money to 8877 + 10 digit number

      Sample my Sim is 09192618922, to send to my PayMaya it should be transferred to 887709192618922.

      8877 = PayMaya access code.

  • John Smith says:

    ok sir coderinthebox another question bali ask lang ako kasi naupgrade na diba yung paymaya virtual account ko tapos po yun physical card ko is on delivery parin yun sana ililink ko sa virtual account ko. bali ang tanong ko po habang wala pa yung physical card ko pwede ko naba iwithdraw yung money ko from paypal to paymaya virtual account since 5 to 7 days nmn processing? sayang din kasi araw eh

    • coderinthebox says:

      Your virtual card is as good as the physical card. The only thing you can’t do with it is to swipe and insert it to the ATM machine. In fact, the physical card is optional, you only need o have your account upgraded.

  • HopingMaya says:

    Hi I activated the card and nagload po ako ng 1k mga an hour ago pero when I try to link the virtual card sa itunes and paypal, declined sya sa both sites.

  • Sir nung nililink kn Virtual visa ko from Paymaya , Paypal says CArd not accepeted. I tried also spotify same card did’t recognized.

  • Charles says:

    Hello Sir, may physical store ba para makuha ung card ? also pede dun sa store mismo pede ko na din ipa upgrade para magamit na din pang withdraw ? Thank You 🙂

    • coderinthebox says:

      Visit any Smart Jump Store. Ito po ung combination ng PLDT at Smart na stores. One is in SM Megamall in Mandaluyong

  • John Smith says:

    hi bossing nagmsg nako sa facebook pero mag message narin ako dito para sa mga visitors kung sakaling ito rin ang concern nila. ! bago po ako sa paymaya gusto ko sana magwithdraw gamit ang paypal to paymaya. pero naguguluhan po ako since ang card number ng virtual account ay iba sa physical card na nabili ko sa store nila. bali ililink ko po ang paymaya virtual account ko sa paypal since verified naman na po paypal ko need ko lang ilink para mawithdraw ang pera ko sa paypal. so kunwari po dumating na sa virtual account ko yung pera after 5 days. while yung physical card ko ay ililink ko sa virtual account ko na paymaya. makakawithdraw bako using physical card kahit ang pera ko ay nasa virtual account?

    • coderinthebox says:

      Once naka link na po ang PayMaya card ninyo sa account niyo, magiging isa na lang ang account nila. Pwede nyo ng gamitin ang card pang withdraw sa bangko. Common po na tanong nila dito yan pero nag eemail ung iba instead mag comment.

  • Joy says:

    Hi Sir, I tried to link my Paymaya Account to Paypal.. I got SMS that it is already approved (“Approval of 47.54 Purchase at Paypal from 483442****…..”) but when I checked my Paymaya App, based on my transactions history my purchase was Reversed. I tried about 3x and It always reversed back. Note that my Paymaya account balance is 1030.86. My Paymaya account didn’t add on my Paypal account. Please help.. TIA

    • coderinthebox says:

      PayPal will send you a 4 digit code, you need to select your PayPal linked card and validate it using the code forwarded by PayPal. If the info won’t send, please email for your PayMaya detailed transactions from PayPal.

      • Marlon says:

        so ibig sabihin hindi mo makukuha yung 4 digit paypal code thru text message…at mag eemail ka sa pay maya support at gaano katagal sila magrsponse?

      • coderinthebox says:

        You’ll get the 4 digit code via text message, a payment notification from PayPal then an extra text containing the 4 digit code. Sometimes, the other text message may get lost due to telco problem, that is the only time you

        1. Request another 4 digit pin from PayPal by searching for resend PIN
        2. Mail PayMaya to fetched the 4 digit code from them.

  • Norman says:

    Sir, pano makikita or magreflect yung available amount sa virtual card dun sa paymaya visa card or vice versa?

  • Hello, I both have the virtual and the physical card but it don’t have the same card number/ccv or other infos. I just want to ask which one will I use in signing up for Paypal. Thank you!

    • coderinthebox says:

      You can use any of the linked/registered cards including the virtual card. Just make sure to have at least P200 cash on your card to avoid future issues.

  • Youmuu says:

    Sir coder pag bumili ako sa amazon dollars gamit dun eh sa paymaya ko peso, pano ako makakabili dun? Bibili kasi ako ng low profile na gtx 750 ti tulong po sir

    • coderinthebox says:

      Visa will automatically convert your Peso to Dollars using Visa’s exchange rate. Visa’s exchange rate is only off by a few centavos =)

  • Reyna Pauline says:

    Hi, ask ko lang po if mattransfer yung amount sa paypal to paymaya? For example, may online survey website po kasi na required and paypal to receive my reward after answering some surveys. So pag napadala nila yung amount sa paypal, pano po yun mailalagay sa paymaya? Thanks!

    • coderinthebox says:

      Once naka linked na po ang PayPayl ninyo at ang PayMaya, pwede nyo na kayong mag withdraw to card “PayMaya”.

      Currently me charge po sya.

  • Mash Shiiro says:

    sir coderinthebox pano po mag lagay fund sa paypal account using paymaya virtual card

    • coderinthebox says:

      PayPal will automatically transfer / withdraw from PayMaya if you need cash to your PayPal account. The other option, if you really want to have a running balance from PayPal is to add funds using your linked bank account which is just a hassle.

  • Jolo says:

    Sir How can I add money to my paypal. kasi my balance yung paymaya ko kaso hindi ma detect ng paypal..

    • coderinthebox says:

      Ano po ba ang gusto nyo maachieve? PayPal and PayMaya are different company, katulad yan ng BPI and BDO, kahit nakalink ang dalawa for bills payment.. hindi makikita ng magkabilaang banks ang balance ng isat isa.

  • rona says:

    can I use paymaya to puchase something on Amazon?

  • Pedro8888 says:

    Sir clarification lang po. So hindi na po talaga makikita yung balance ng paymaya virtual card sa paypal account? Like yung earlier question regarding “PayPal does not currently offer the ability to add funds from your bank account” message. We just have to estimate then the price of the item, shipping and additional charges we are buying online? TIA.

    • coderinthebox says:

      No, PayPal and PayMaya are different company. You cannot view how much you have on your PayMaya using PayPal.

  • Mica says:


    I have my paypal verified na po using my paymaya. I only have my virtual paymaya card and im getting my physical card soon. I will be getting my salary through paypal and i wanted to check sana if i can withdraw it using my paymaya. To check i was going to add funds sana since I dont have funds sa paypal account ko. I have about Php 200 that i put in paymaya to test it sana. ( see if i can send back the funds from paypal to paymaya). I know it takes days pero i wanted to be safe sana. So to start, I was going to get funds from my paymaya to my paypal acct and then when it appears sa paypal i wanted to try and send it back sa paymaya ko sana.

    Kaso when I clicked on the add funds i got this message:
    Add Funds is Not Available
    PayPal does not currently offer the ability to add funds from your bank account.
    When you make a payment, PayPal charges the buyer’s credit card and instantly credits the seller’s PayPal account.

    How do I go about this po kaya? And would you know why im getting this error message?

    tia sa answer and help!

    • coderinthebox says:

      PayPal already explained it, they stop accepting deposits from cards instead they are automatically charging the linked card for any future purchases using PayPal.

  • William Fung says:

    Sir, pwede bang magtranfer ng money using paypal to my paymaya?

    • William Fung says:

      I mean, makakarecieve ba ako ng money by using my paymaya card? Nakalink na po sa paypal yung paymaya card ko

      • coderinthebox says:

        You want to receive money from PayPal to PayMaya? If they are already linked, the answer is yes

    • coderinthebox says:

      Yes, take note the charge of P50-P250 per transaction.
      The free transfer fees are still in the negotiating table with PayPal

      • Nelson says:

        how many days po before mag reflect sa paymaya account ko ung funds na ittransfer from PayPal?

      • coderinthebox says:

        3 – 5 business days, recently it takes 1 – 3 days but if you were lucky it will reflect within 1 hour.

  • Pau says:

    Hi po. Kakagawa ko lang po ng PayPal at PayMaya. Parehong-pareho po yung details sa parehong account at nasunod ko naman po yung directions.

    May error po na lumalabas na ganito:

    “The bank that issued your card didn’t approve this transaction. Please contact the card issuer’s customer service department if you have any questions. Or you can add a different card now to continue.”

    Pano po kaya ito?

    • coderinthebox says:

      1. Enable/Activate your PayMaya
      2. Load up PayMaya at least P200

      “The bank that issued your card didn’t approve this transaction.”- charge is denied.. Since your PayMaya is new, it have no money in it

  • Sq says:

    Sir baket po palaging invalid card number lumalabas saken pag nililink ko na po yung visa to paypal ko pero tama naman nilalagay ko lahat. and yung paypal account ko tama din naka verified na sa paymaya

  • Jerome says:

    Sir how I can add funds to PayPal money using my paymaya money? Is this possible?

    • Jerome says:

      Na activate ko napo PayPal 100% na aking acc 0 balance parin is it possible u can add funds to your PayPal using paymaya?

    • coderinthebox says:

      It is automatic, you can also force PayPal to get money from PayMaya using PayPal’s own currency conversion rate. You can also force PayPal to request money by clicking “Add funds”.

  • Sikh Rhett says:

    Sir help po. About linking my PayMaya to Visa. Tama naman po yung nilagay kong info pero lumalabas wrong information. Ilang beses ko nang tinry ayaw parin.

  • sir na deduct ko po 100 pesos ko sa paypal dahil sa na comfirm ko card sa paymaya mababalik po ba 100 pesos ko sir? anong oras mababalik pls reply sir

  • hi sir nag link napo ako ng credit card sa paypal gamit paymaya pero pag tingin ko 0 balance parin ano po problema? meron akong 650 balance 1 pesos lang deducted sa akin wla yung verification code

  • k says:

    Hi. Im planning on ordering online but said it can only accept payments thru visa/mastercard/paypal. Can I use paymaya to pay? Can i use paymaya w/o linked visa/paypal or it should be linked?

    • coderinthebox says:

      If you check your PayMaya, it is displaying a VISA logo.

      • meganadz says:

        Sir coderinthebox.May idea ka po ba kungpaano ko po mawithdraw yong funds ko sa paypal papunta sa paymaya physical card ko ar posible po ba ito

      • vhortex says:

        Link your PayMaya to PayPal, recommended PayMaya load is P200. PayPal sometimes act weird and the reason is with the running negotiations with PayPal and PayMaya.

        One you added your PayMaya to Paypal, you need to “withdraw to card”. Please take note that the charge can play between P50.00 to P250.00 and the credit time is between 3-5 working days.

        PayMaya on the other hand is negotiating with PayPal to bring the charges to P0 and the credit time to 3-10minutes. That was the charge and credit time before February of this year as I tested it.

        PayMaya is also on talks with local banks to bring down the withdrawal fee to P5.

      • Meganadz says:

        Sir coderbox pano po ba kita sir makontak sa fb?

      • coderinthebox says:

        Why do you need to contact me in FB, I have an FB page and you can leave a message.
        For important question, you can send an email at, you can also leave your contact on the email and I will contact you.

        I will wait for your reply until sunday, by that time, I will send an email to your supplied email address.

      • Meganadz says:

        Sir coder.ano po ibig sabihin ng 50-250 ang bawas pag nag withdraw ka ng funds from paypal to paymaya.Ibig sabihin po ba kahit 300 pesos lang i withdraw ko 250 talaga yong minus nito

      • coderinthebox says:

        Yes, the charge was changed by PayPal and the official charge for PayPal withdrawal to PayMaya is P50 but PayPal is charging random PayMaya cards with either P50 or P250. P250 is PayPal’s official charge. This is the reason why PayMaya was opt to take another round of negotiations with Paypal to bring the charge to P0.

      • Meganadz says:

        I see salamat po sir paulcey.RCBC po kasi yong gamit ko mag transfer ng funds ko from paypal to bank account.2-3 days lang talaga ang bilis.Ang paymaya naman kasi madali lang ilink eh.Meron akong dalawang cards ng paymaya physical nakalink po to lahat sa dalawang account ko sa paypal.Yun nga lang di ko pa natatapos ang final steps ng mga to by mean’s of upgrading.

      • coderinthebox says:

        I am honestly waiting for the new negotiations to complete, it is instant credit if PayPal will agree. I use my PayMaya for everything from fuel purchase, groceries, paying some bills, online shopping and eloading for emergency times. Kaya overridden ang need ko ng bank accounts for daily use.

      • Meganadz says:

        If this happened that you mentioned below.Good bye credit card.If paymaya will allowed also using this card to use buying in department stores and gasoline.If this happened please inform us.

      • coderinthebox says:

        I am using it to pay gasoline, never a department store lover but I am using it to pay a lot of items =)
        Including booking airline tickets, the good thing about PayMaya is you can only spend up to what you put in the card.

        I have low income coming from PayPal, by choice I stop selling items/service only using my PayPal merchant account.

      • Meganadz says:

        Nakapaganda talaga ng paymaya card sir coder kung nagagawa mo na po yong ganon.Kaso till now di ako inaaccept ni ysa eh.Para matapos na yong last upgrade ng paymaya card ko.

      • coderinthebox says:

        Let me know after 3 days kung ano ang update so I can ask some representatives from them.

      • Meganadz says:

        Sir coder ano po pinagkaiba ng Withdraw funds to your bank account at Withdraw funds to your card sa paypal.Pakiexplain naman po sakin.Salamat

      • coderinthebox says:

        Withdraw funds to your bank account = Funds go to your bank account (BPI, BDO, Union Bank. ETC). 3 days transaction and can be free for huge money transfer

        Withdraw funds to your card = Money goes to your Debit card / Credit card or PayMaya. As long as the card have a VISA logo. Cost at least P50 per transfer. May take up to 7 days.

      • fidz says:

        Sir coder meron na po bang bagong negotiation yong paymaya from paypal bout new fees?

      • coderinthebox says:

        As of now, the only negotiation they have is same day crediting for transfers from PayPal instead of 3-5 working days.

  • paano po bumili ng item/s sa ebay halimbawa gamit ang paymaya?paano ang proseso?

    • coderinthebox says:

      Load up your PayMaya. Go to Ebay, look for an item.. Make sure that the total cart value is less than the amount you have in PayMaya. Make an allowance of 10% since online purchases are affected by the store’s dollar exchange rate

  • pwede po ba mag purchase ng item sa ebay gamit ang paymaya?paano po ang proseso?

  • meganadz says:

    sir coderinthebox
    Magandang umaga po mam/sir.Meron po akong virtual paymaya na nalink ko na po sa paypal.Then ni remove ko po ito at inunlink successfull naman po ang process.Kini close ko po kasi ang unang paypal account ko since duplicate po ito at dito nga po nakalink yong virtual payamaya visa ko.Ngayon sa isang paypal ko gusto ko po itong ilink ulit kaso sabi ng paypal ”This card is already link”.So pwede nyo po ako matulongan bout sa problem ko.Gusto ko po itong i link sa bagong paypal account ko.Salamat po

  • Archie mudvox says:

    Pwede po ako mgpa download ng paymaya sa pinas nasa Abu-dhabi po kasi ako

    • coderinthebox says:

      Yes you can and you can load up your Smart/TNT Number and Globe/TM in the near future. Just activate your virtual card.

  • Meganadz says:

    Very effective po ito,Nakagawa ko na po ito using paymaya virtual at mercury drug my wallet visa card.Wala akong naging problema ni isa.Pero mas madali talaga yong paymaya pag dating sa 4 digit code.Sa mercury my wallet naman 4 hours ko lang nakuha yong 4 digit code.Effective po ito

  • Ask lang po kung pwede ako mgpa download ng paymaya apps at siya na mgregister para sa akin nasa abu-dhabi po kasi ako ,at kanino information po lalagay yung sa akin o yung sa kaya ililink ko po kasi sa paypal account ko

    • coderinthebox says:

      Yes you can and you can load up your Smart/TNT Number and Globe/TM in the near future. Just activate your virtual card.

  • Raymond Dimailig says:

    Hindi ko malink ung paymaya visa card. Error sya. Tama naman ung details na nilagay ko

  • Bryan says:

    Hello po! Nagregister po ako kahapon and naencode ko nadin yung 4digit code na sinend sa number ko, gano po katagal ang verification? exactly 24hrs po ba talaga yun? salamat

  • Buen says:

    Sir, gud pm, naka download na p ako ng PM na app,ni link ko sa Paypal ko,at nag send nang approval binalik agad young amount na kinuha..pero d parin verefied ung Paypal ko, alam ko 0.balance ang makikita dahil, ni link lang nmn ang Virtual Card..bakit kaya ganun? advise nmn po?

    • coderinthebox says:

      You need to input the 4 digit code sent by PayPal into your PayPal account to verify your PayMaya

  • Buen Salvacion says:

    Sir, paano po pag na corrupt po yung virtual paymaya app,?hindi po ba mawawala kong may balance ?or pg ngdownload ako uli,automatic po ba na balik agad same account ko,o need to regester new one..?

    • coderinthebox says:

      Download and install. PayMaya accounts are stored in PayMaya servers as required by Bangko Central

  • gibs says:

    Panu pu pag connected na sya magkano pu ang fee pag mag cacashout

    • coderinthebox says:

      According to PayMaya the cash out from PayPal is not P50 fixed but sometimes PayPal glitches and charged P250. They are working with PayPal now to make the cashout an instant transaction and cost P0 like it used to before February 2016.

  • dodoy says:

    Salamat po sa Step by Step tutorial now my paypal account is verified. salamat po!

  • Kurt says:

    Kurt: san po ako pwd mag widraw nang cash using paymaya card

  • Juan Cruz says:

    Hi, ask ko lang if i can receive payments from Paypal then ma-withdraw ko rin sa PayMaya, like i can get funds from PayMaya and put it to PayPal for purchasing and receive payments sa PayPal account ko then ma-withdraw ko? sorry medyo nalilito lang po Thanks po.

    • coderinthebox says:

      I am posting this reply using a mobile droid phone.

      You can only encash to card which is PayMaya from PayPal. The fee was now FLAT P250 since February 2016.

    • coderinthebox says:

      If you are about to purchase with PayPal and you don’t have enough PayPal money, PayPal will withdraw from PayMaya

      • Juan Cruz says:

        Hi thanks po for this. A Huge help po. Ask ko na rin po, sa PayMaya may fee po ba if mag transfer ako ng Money sa PayMaya ko sa another PayMaya Account? Situation po kasi na mag padala ako ng Pera sa kapatid ko through PayMaya, may fee po ba yun?

      • coderinthebox says:

        Sending from PayMaya to PayMaya is free, free din po mag send ng PayMaya to SmartMoney

      • Juan Cruz says:

        Thank you so much po for this talaga. Pede na akong mag padala sa mga kapatid ko, no hustle, free and anytime na kailangan nila. Thank you po ulit.

      • coderinthebox says:

        You can use PayMaya to send to other PayMaya account or even to a SmartMoney/SmartPadala account =)

    • coderinthebox says:

      Just an update, PayMaya is on talks with PayPal to zero out all charges when withdrawing your PayPal money with PayMaya

      • Juan Cruz says:

        Nice! laking tulong po nyan kung sakali, ang laki kasi ng 250pesos na kaltas. I can maximize yung income sa freelance ko. Thank you po sa update.

  • jhef says:

    Hi pa help po ni link ko po yung paymaya ko sa paypal ko nabawas na lahat ng dapat mabawas sa pag activate na activate ko na rin sya using the 4 digit number ang problema walang card na nag appear sa paypal ko 0 balance parin sya sana po masagot thx

    • coderinthebox says:

      Nasa linked accounts po ang PayMaya nyo at hindi din magkakaroon ng laman ang PayPal ninyo. Ang paglilink ay para maging verified account and PayPal ninyo para maka pag transfer kayo from PayPal. Ang mga naka link na accounts sa PayPal, iyon po ang kukunan ni PayPal ng funds kung walang laman ang PayPal ninyo at me binili kayo using PayPal as payment. Ung ibang nalilink ay para naman withdraw ang laman ng PayPal nila.

  • cheeng says:

    Hi. I didn’t put my home # sa paypal billing address, but meron dun sa paymaya acc ko, hindi ko ba marereceive yung 4 digit code? What will happen to my 100 then?

    • coderinthebox says:

      The text comes from PayMaya as PayPal forwards the receipts. You can always get the P100 back. Send a message to so they can check for unforwarded receipts from PayPal.

  • jse says:

    is 150 pesos enough to verify paypal account?

    • coderinthebox says:

      Normally it is enough but I recommend P200

      • jse says:

        last question, if i have a money on paypal account and i have load on paymaya, and i want to send the money to some one, will there be a option?

      • coderinthebox says:

        Are you going to send money from PayPal to PayPal or PayMaya to PayMaya?

      • jse says:

        paypal to paypal.

      • coderinthebox says:

        As long as you have money from PayPal, you can send to any PayPal account. This is not a PayMaya issue but a PayPal issue. If there will be charge, only PayPal can say how much and when they will withdraw from your PayMaya. PayPal will always withdraw from your linked cards each time the money you are transferring is not enough

  • jonna says:

    ask ko lang po, nkalink na ung paymaya virtual card ko sa paypal, my pera n ung paypal ko then ngtry ako magsend ng pera thru paypal s another paypal kya lang sv ng paypal my problema dw ung card issuer, bakitpo ganun??? bakit d mkapagsend ng pera ung paypal ko??? my problema dw po sa paymaya..nid po ba iupgrade ung paymaya ko???

    • coderinthebox says:

      Wala pong kinalaman ang PayMaya nyo. Ang issue nyo at magpadala ng pera from PayPal nyo to another PayPal.

  • Ramos says:

    Can i loan money from paymaya and pay it some other day

  • nuzzo says:

    I bought a PayPal account from Auction Essistance. Is it safe to add my own paymaya card to it?

    • coderinthebox says:

      Problem with PayPal bought from auction is that you don’t own the email address used to signup that account. The previous owner can just issue a password reset request and gain back the account. Is it safe? It is almost impossible to tell

  • jam says:

    ask ko lang po kung kelangan ko pa kumuha ng physical card of pay maya para ma verify yung paypal ko and pano pag may ang send sakin ng pera thru paypal ma a add po ba yung sa paypal funds or rekta na sa paymaya yung pera?. thank you po and nice website 🙂

    • coderinthebox says:

      Kelangan mo pa din iwithdraw papunta sa PayMaya ang bawat laman ng PayPal. P250 na ang payment ng PayPal sa pagwidraw sa card

      • jam says:

        thank you for you fast reply sir, so for verifying paypal no need na ang physical card?

    • coderinthebox says:

      Getting a physical card is only recommended if you want to get the physical money

      • jam says:

        ok got it, ill probably try this out, again thank you po for fast reply

  • Jet says:

    Hi i would just like to know because i have two first names, if i only used 1 name would that affect me in anyway? Thank you

    • coderinthebox says:

      Having two first name and using only one may affect you in the future when you need to prove ownership of the account.

  • EJ Luzon says:

    Hi, how many days did it take for you to get the P100 refund for the code? I did not receive mine after 24 hours. 🙁

    • coderinthebox says:

      I did not reach days, I got the confirmation code and the refund in less than 1 day. Refund may take up to 3 working days

      • Giselle says:

        Ako din. It’s been 2 days. And ask ko lang po, pag ma refund na yung PHP100 san po mapupunta yung pera? Sa paymaya or paypal account?

      • coderinthebox says:

        It will credited back to your PayMaya account

  • Kaname Yuu says:


    I tried linking my paymaya to paypal.. I get error that the card I used was not activated by the bank. What to do? Is it because I still don’t have funds in the virtual card yet?

    • coderinthebox says:

      As stated, you need to activate the card.. virtual or physical and add funds before you link to PayPal

      • Kaname Yuu says:

        I alreaady fixed this issue thanks! 🙂 another question. you will click on the “withdraw” to get your money from Paypal to Paymaya, right? is there a minimum amount para makawithdraw? kasi baka 1K na lang matira dahil you said 250 ang charge ng paypal sa withdraw. makukuha ko ba yung 1K at mawiwidraw papunta sa PayMaya? thanks!

      • coderinthebox says:

        Kindly check PayPal, early this year I was able to get $1 to my PayMaya.

        The limit is with PayPal and it changes from time to time

  • AB Baldonado says:

    Hello po ask ko lang po if paano magupgrade ng PayMaya Visa Card? I’m in Laguna po. Is there any other way na maupgrade po malapit dito?

    • coderinthebox says:

      Activate your card and then order from PayMaya for the physical card. The link is The instruction on how to link the card can be found within the card package. Please note that you need to provide proof of identity by uploading 2 government ID using the app or doing a facebook video call to a PayMaya representative. This is a requirement of “Bangko Sentral ng Pilipinas”

      • William Fung says:

        Sir I’m only 16 years old and I want to upgrade my paymaya but I don’t have a government ID, paano yan?

      • coderinthebox says:

        School ID will work, I already asked this same question with PayMaya representatives.

  • resty says:

    san ko po pweseng makita ang 9 digit bank code ng pay

    • coderinthebox says:

      PayMaya is a prepaid VISA credit card, it does not have any bank code. Are you trying to add a bank account?

      Only bank accounts have bank code.

  • June CJ says:

    @coderinthebox once i linked the virtual card from paymaya where will i see the fuse code or the 4digit code that it will generate so i can verify and complete the process?

    • coderinthebox says:

      PayMaya will send it to you.. in case the text message won’t come.. send an email to

      The approval code comes in this format “xxxx PayPal verification…”, it is usually sent as a separate text message but on rare cases, it is being sent with the $1 charge notification

  • Mark says:

    Hello po! I tried to link my paymaya virtual card pero paypal gave me a notification saying card declined by issuer… Is it because walang load ang card ko?

    • coderinthebox says:

      Make sure that your virtual card is activated. Make sure that you provide the same card details you supplied on your PayMaya card physical/virtual. Make sure you have at least P100 cash on the card but I recommend P200 cash.

  • Kenneth says:

    Hello po. Pwede po bang gamitin muna yung Virtual Visa Card ? Yung sa phone lang dinadownload para maactivate yung paypal ? Hindi ko pa kasi nakukuha yung physical card ko eh.

    • coderinthebox says:

      As long as active na po ang virtual card nyo at me load. Pwedeng pwede nyo pong gamitin

  • Marie says:

    Hello, will I use my physical card info or the virtual one? Kasi nung ni-link ko siya magkaiba ng credit card number and all. Thanks 🙂

  • Breaknode says:

    Hi. somehow linking worked but I was 100.00 and 47.53 by paypal. refund of 47.53 was done by still missing the 100.00. already sent an email to paypal support today. should i just wait for now?

    • coderinthebox says:

      You get charged P47.53 and you lost P100? Please correct me if I am wrong. PayPal won’t charge in random.

      • Breaknode says:

        I know its a bit weird but this happened at the same time and also sent a text message for both charge. still waiting for the 100 refund

  • Hi pwede po mag tanong? Paano po pag nag maximum na yung password,pero hindi pa po na uupgrade, tapos ang nalagay ko po na back up mali yung email add, my laman na po kasi yung paymaya ko ayaw po ma widraw ang sabi po ng machine( transaction failed please try to tour issueing bank.) Sana po mkatulong po kayo para ma widraw na namin sahod namin .. 🙁

    • coderinthebox says:

      Send an email to, you need to prove the account ownership. most importantly, you must have the sim card intact with you. ung sim card na naka link. Your comment was pushed to the spam since naglagay ka ng non existing website.

  • melvin says:

    pano ko po makukuha o sa ko po makikita csc number ng card?

    • coderinthebox says:

      security number is at the back of the card, kung virtual ang gagamitin mo, nasa app ang number na un sa card details ng virtual card

  • melvin says:

    okay lang po ba kahit wala pang physical card na paymaya malilink ko pa din ba paypal ko kapag nag load ako ng 100

    • coderinthebox says:

      As long as tama po ung mga info na binigay ninyo sa pagactivate ng virtual card. Magagamit nyo na po, sometimes you need to provide a government ID using the “ID Upload” na function sa PayMaya and on some card this is optional.

  • melvin says:

    kelangan ba may 50 agad si paymaya para ma activate si paypal

  • Tos Tos says:

    Boss pano ba to, nakuha na ng paypal yung 100 nandun na din yung 4 digit code sa paymaya pero hindi ko mainput kasi ayaw lumampas dun sa confirm. Nag eerror “The Card Verification System used by PayPal is currently unavailable. Please try to add your card at a later time. We apologize for this inconvenience.”. Pati iba pa ba yung 4 digit code na nasa paymaya dun sa 2nd text na makukuha? Di pa kasi nadating yung 2nd text sakin na may code pero andun na yung code sa paymaya app.

    • coderinthebox says:

      Sometimes, PayPals 4 digit code comes with the first text. Try later, PayPal may be undergoing maintenance.

    • coderinthebox says:

      One more thing, you can always request the information (linking code) from PayPal.

  • denise says:

    hey i wanna withdraw funds from paypal to paymaya physical card. can i buy 100ph physical card and have it upgraded in sm mega mall? what info do i have to bring? how long will it take for funds to go through the card? thanks! 🙂

    • denise says:

      also can i withdraw even paypal name and paymaya name are mismatched? will it still go through?

      • coderinthebox says:

        I am not sure if that is possible. You need to read up PayPal’s rules on money transfers.

    • coderinthebox says:

      Yes, but it is always bettet to buy the card at SM megamall and have it activated. You can easily load up your PayMaya at SM bills/payment. It will take aproximately 5 minutes to load or proceed to any 711 store and load up. Make sure to tell the teller in SM payment center to load it up to PayMaya, they tend to load the money to Smartmoney and not PayMaya.

  • “The bank that issued your card didn’t approve this transaction. Please contact the card issuer’s customer service department if you have any questions. Or you can add a different card now to continue.” nililink ko po paymaya sa paypal

    • coderinthebox says:

      You need to have at least P50-P100 to link your card and make sure that your card is activated

  • Josh Ponce says:

    nagpaload ako sa 7eleven cliqq kiosk, wla pa kong narereceived na confirmation. pano pong gagawen ko ?

    • coderinthebox says:

      Did you check if tama ung phone number na binigay nyo? Loading in 711 kiosk, you need to give your PayMaya linked phone number.. hindi po kayo dapat umalis sa 711 habang hindi pa nagloload ang PayMaya ninyo. What to do, contact, ask for help and steps. Next step is to go back to 711, make sure nasa inyo pa ung resibo and dapat me screenshot kayo ng inyong PayMaya app account log. Tell them hindi nagload, me time stamps po ang mga top ups ng PayMaya

  • AM Cruz says:

    San po dun? Wala po kasi sa Settings. Tsaka ano po ilalagay sa State/ Province if I’m from Manila. Ayaw naman pag naka blank lang siya kaya nilagyan ko Not Applicable. Lol yun tuloy lumabas sa virtual visa card ko

    • coderinthebox says:

      Use Metro Manila as province, contact to correct the data. I can’t verify if pwede pang maedit ang information since activated na ako.

      • AM Cruz says:

        okay na po. automatic na po nachange yung info ko sa virtual visa card nung nag upgrade ako sa smart jump center sm megamall kanina. thank you po

  • AM Cruz says:

    Hi po. May mali po ako natype sa address sa virtual visa card ko. Is there a way to change it po?

    • coderinthebox says:

      Just edit it using the App

      • Wan says:

        Papaano po i-edit yung address using the app? Di ko po mahanap…

      • coderinthebox says:

        To change your address, you need to contact PayMaya via email at or contact them via landline (+632) 845-77-88 or *788 via Smart Mobile number. Ask for a change of address.

        Please note that they may require you to resend a copy of your ID.

  • jazzer says:

    Paanu po mg register sa app?

    • coderinthebox says:
      1. Download the app from iTunes (iOS) or Google Play Store (Android)
      2. Sign up with your details:
        Legal name (first name, last name)
        Mobile number
      3. Tap “Agree and create my account”.
      4. A mobile verification code will be sent to your phone.
      5. Enter the code on the app and tap “Verify mobile number”.
      6. Activate your reloadable virtual Visa card.
  • jazzer says:

    Hellow po bkit di po ako maka rigester sa paymaya mobile app
    Anu po gagawin ko?

  • Aldrin says:

    Pd ko po b iponan ng pera ang pay maya. MAwidraw ko pa dn b yung pera n illagY ko?

  • ianna says:

    Hello! can you transfer money from paymaya to paypal? (for example, the site i want to buy from only accepts paypal, but i have the money in paymaya and i wanna transfer it to paypal in order to make that purchase)

    • coderinthebox says:

      PayPal will automatically withdraw money from PayMaya as long as you have enough load wallet credits on the card

  • bean says:

    Hello po, may question lang ako. May bibilhin po kasi akong item sa korea and they only accept payment via paypal. Na verify ko na po yung paypal acc ko gamit ang paymaya. Naguguluhan lang po ako if paano po ako makakapagbayad kasi yung paypal balance ko is zero. Pano po kaya yun?

    • coderinthebox says:

      PayPal will withdraw automatically from your linked PayMaya account.

      Sorry for the delay in response, my scanners think that your comment is a spam post due to the hits on your IP address.

  • James says:

    Hello, i have a few questions. Nag upgrade na po ako ng Paymaya visa card and then they sent my Validation Code and url for the next steps. I saw the Aproval locations which are selected… is there any way on how I can get my physical PayMaya visa card if I’m from Pampanga an will they charge me for the Phisical card? …. and do you have any alternative ways on how i can withdraw from my PayMaya Virtual Card via smart Padala or something etc…. thanks in advance…. Nice and informative post btw.

  • Mel says:

    Ang galing galing naman nitong site na to.. Binasa ko lahat ng comment at na reply lahat ng maayos.. Hindi na kailangan mag tanong dahil n sagot n lahat… 🙂

  • adrian says:

    Hello, my paymaya virtual card fund is 100. trying to link it on paypal but still having an error “Sorry, we can’t link this card. Please try linking a different card to your account.” i’m wondering if magkaiba ba ang CSC (3digit) sa CVV2? csc kasi hinihingi ng paypal eh baka yun yung cause? o i need to load up 200php?

    • coderinthebox says:

      CSC? Or do you mean CSV. Normally P100 is enough, activated na po ba ung ginagamit nyong card number. The virtual one gets activated when you click activate, sent proofs of identity, setup full name, set up billing addess and it is loaded up. The virtual card may come pre activated for use but not activate to transact online if it is not linked to a PayMaya mobile account. If all checks are done, then load up another P100 and see if it works.

  • Kepi says:

    Hi, if i would purchase an item from ebay, which account will i top up, paymaya or paypal? (Assuming that both are already linked to each other)

    • coderinthebox says:

      Sorry but this is the most silly question I have received. Knowing that PayPal widraws from your card and PayMaya is a Visa Prepaid Credit Card. It only means that you need to load up your PayMaya. You don’t need to use PayPal to purchase online using PayMaya

  • Niki Siapno says:

    I mistyped my name in making an account. How can I change it?

    • coderinthebox says:

      Where? Please provide more info.

      • Jemuel says:

        I also mistype my family name, that one appears in my online card. Would it change if i will upgrade it?

      • coderinthebox says:

        You need to contact PayMaya suppport and ask them to update your family name. They will require a government ID for people age above 18 above and a school ID for people age 17 and below.

        Your family name is not yet final but your digital card is already registered and working which takes time to tell VISA to update the record. Usually it takes less than a day.

  • Justin says:

    Help po, i want to avail apps via google playstore using paypal. I successfully activate my paypal using paymaya. But the problem is error daw yung visa card na nilagay ko sa googleplaystore eh activate nanaman yung paypal ko using my paymaya account.

    • coderinthebox says:

      Google store DOES NOT support paypal. Use your PayMaya direct to Google Store

      • Justin says:

        I use paymaya but googleplay store said that i put a wrong visa card. But my paymaya is already activated.

      • coderinthebox says:

        What is the full error message, did you give the EXACT info have on your PayMaya account. Name/Address

  • ana lorraine complido says:

    san ko po makukuha yung 4 digits code sa sa pag verified sa paypal?? im using paymaya para magverify ng paypal account pero may 4 digits padaw na kailangan san ko po makukuha un?please answer

    • coderinthebox says:

      It will be sent as a separate text to you. It comes in a format like this “1234 Paypal verificatiokn…”

      If you miss it, you can resend the verification info from your PayPal account or contact PayMaya to give you the extra verification code

  • Sheena says:

    Hello po, Bakit ganun? sa’kin din ayaw ma-link sa paypal, nakactivate na po paymaya virtual card ko at nag top up narin ako 7eleven 100php kaso ayaw parin nia malink sa paypal. Ganito lumalabas pag inadd ko card (paymaya sa paypal) “Your account is limited. Please check your Account Overview page for messages about resolving this problem.”. ano po kaya prob.. nanakit na batok ko hehe. tagal na kasi pera ko sa paypal tengga na. gsto ko na ma-wdraw. 😀 tnx po.

  • Ejay says:

    Pwede mag pa help meron na ako load na P150 sa paymaya pano ko ma activate?? kasi pag nililink ko sa paypal di nagana

    • coderinthebox says:

      Activate your PayMaya in 2 steps. Download PayMaya app from google play, login and click activate. Add your home address. or goto any Smart Jump in stores or PayMaya caravan and ask them to activate your PayMaya account.

  • Zoey says:

    “Card declined by usser”. What is the meaning of that?

    • Zoey says:

      Card declined by issuer pala,.

      • coderinthebox says:

        Wrong information or not enough balance

      • coderinthebox says:

        Double check the name and address you have in your PayMaya android app and make sure that CCV and Credit card number match. Make sure you have at least P100 but I recommend P200 balance in your PayMaya. P50 is enough but may cause decline errors.

  • coderinthebox says:

    1. Activate your PayMaya using the app
    2. Goto to any loading stations 711 kiosk, SM/Robinson Bills Payment (please note some of them does not know PayMaya and will try to load to your SmartMoney instead)
    3. Create a PayPal Account
    4. Follow the steps on the post
    5. Wait for the 2 text messages from PayMaya
    6. Look for the text message that look like this ““XXXX PayPal verification..””
    7. Go back to PayPal and fill up the 4 digit code

  • Activated n now yung paymaya visa virtual card ko pero dko malink s paypal ko nagunta nko s prof ng paypal ko pero missing or incorrect daw nilagay ko naman card no. At ccv ko pero wala pang load kc paymaya virtual card ko need muna b may load bago mailink s paypal?

    • coderinthebox says:

      You need P100 load, the address you used in PayMaya MUST match the one you supplied with PayPal. Incorrect address/information ung nilagay mo

      • Sherly says:

        Hi, I want to link my paymaya virtual visa to my paypal. Is it ok na wala akong physical card? Maveverify po ba ung paypal ko? I already have 100.00 sa paymaya. Thanks in advance.

      • coderinthebox says:

        Yes, it will work as long as activated and virtual card.
        Just make sure to check the 2 text messages from PayMaya, one with the Paypal charging you of $1 or P47.00 and the second one which says “XXXX PayPal verification..”, the first 4 digits are your PayPal verification numbers.

      • hi po. meron na po akong virtual card sa paymaya. pero di po na link. link nlng po need. pano po e link. pano po makuha ung 4 digit code po? load po ba ung paymaya sa 7eleven? mga 200php po ba? pls reply ka po. thanks

      • coderinthebox says:

        1. Activate your PayMaya using the app
        2. Goto to any loading stations 711 kiosk, SM/Robinson Bills Payment (please note some of them does not know PayMaya and will try to load to your SmartMoney instead)
        3. Create a PayPal Account
        4. Follow the steps on the post
        5. Wait for the 2 text messages from PayMaya
        6. Look for the text message that look like this ““XXXX PayPal verification..””
        7. Go back to PayPal and fill up the 4 digit code

  • Hi pwede po patulong iverify yung paypal ko. nasa hong kong po kasi kaya wala ako number na p pwede gamitin pag register sa paymaya.

    • coderinthebox says:

      PayMaya is linked to your SIM, no one can verify your PayPal using your PayMaya other than you.. the SIM owner

  • Archernar says:

    Last question, is it normal to have a negative credit/balance when you withdraw funds from PayPal?

    Just tried withdrawing some of my funds from PayPal and PayPal completed the process.
    But my PayMaya account says my balance is -1000 php. Or do I need to give it time before it truly reflect on my account?

    • Archernar says:

      Nevermind, my credit is now normal. Thanks again for all the help!

      • coderinthebox says:

        Sorry for the late response =) I was not able to go online over the weekend. That is just the hold amount and PayMaya have corrected a few issue on their system.

  • Hello can I transfer money to the bank account via Paypal by using PayMaya?

    • coderinthebox says:

      Do you mean withdraw to your bank account using PayMaya? The answer is no. You can only withdraw either to your local bank with charges or via PayMaya (Visa card)

  • Hi i need to activate first my virtual paymaya account by sending my government id before it can be link to my paypal then it must have atleast 100 pesos in my paymaya?

    • coderinthebox says:

      You can activate your PayMaya using the PayMaya app and it is ready to go. Upgrading your PayMaya to have a physical card is my recommended way before signing up for PayPal since it will lessen the potential error when linking to PayPal. Each PayMaya account that was upgraded can accept deposits/cash in from PayPal with ease.

  • Archernar says:

    Hi, so I finally received my physical Visa card, but the problem is I don’t know how to load it up.
    Can you please tell me how to load up my physical card?
    As PayMaya’s guide is only for virtual cards (load up using phone number). TIA

    • coderinthebox says:

      Visit any 711 with Cliqq Kiosk. Select Virtual Cash/Money, then select PayMaya. Input your phone number linked to your PayMaya. On the amount field, enter your amount to load then proceed to the cashier. Wait for the confirmation since PayMaya will load up in max of 2 minutes.

    • coderinthebox says:

      Visit any Ministop, Robinson or SM bills payment and ask them for PayMaya payments, give your linked phone number and the amount you are loading, make sure you state it is PayMaya. Wait for the confirmation on your phone. Load time is max of 5 minutes.

      • Archernar says:

        Hi, went with this load up method and the credit went through in a matter of minutes. The process itself however took forever. Employees from SM business center has no idea how to load up my paymaya card.

        They almost sent my money to my Smart Money account, not my PayMaya account. But all is well now.

        Thanks for all the help!

    • coderinthebox says:

      If you are using BDO’s online banking, go to bills payment. Select PayMaya, on the subscriber number, enter your linked phone number and use a country specific format (639xx-xxx-xxxx). Example for phone number 09192618922 use 639192618922 (Note: replace that with your actual activated phone number). Max wait time is 2 days but if you load up between 8am to 10pm on Monday to Friday, the load time is 2 hours. — corrected a typo

    • coderinthebox says:

      To know your balance via SMS.. Send BAL to 292907969. Good day ahead. As an added note.. PayMaya only have 1 major glitch and it happen last February 29, 2016. PayMaya was developed without considering a leap date. All glitches are minor which gets resolved quickly in a few minutes. I already used PayMaya for virtually all my needs =)

  • Winnie joy says:

    So i need 50 pesos load wallet to my paymaya before i verified my paypal? And wat card i need to click? Visa,Discover,Masterscard or American?

    • coderinthebox says:

      No, you need P100 to P200 to verify your PayPal. Usually P100 will work and your PayMaya card always comes with P100 free load. If you check your PayMaya account, it says VISA.

  • JM says:

    Hi, noob question. What is the card verification number po? Is it the CCV2 in PayMaya? Thanks po!

    • coderinthebox says:

      Yes. CVV means card verification value. Some company call it card verification number. CVV2 have more digits but you only need the last 3 digits while CVV have 2-3 digits.

  • chaze says:

    how I can’t link my paymaya card to paypal? does it require for my paymaya virtual card to have an money first for it to be linked?

    • coderinthebox says:

      You need to activate your virtual PayMaya card, for that you need the PayMaya app. To activate PayPal, you need P200.00 loadwallet, sometimes P100 will do. PayPal will withdraw P47.50 or $1.00 on your PayMaya wallet and send 2 confirmation messages on your registered sim, 1 for paying xxxx PayPal merchandise, the xxxx part is the 4 digit confirmation code. The second is a conformation that you allowed PayPal to take $1.00 or P47.50 cash on PayMaya, this amount will be refunded in 1-5 days.

  • Archernar says:

    Pano mag avail ng physical PayMaya Visa card? Nag upgrade ako via app pero binigyan lang ako ng reference number?
    Wait for further instructions from them? Please advise.

    • coderinthebox says:

      Goto any Smart Jumpin Store or any PayMaya Caravan

      • Archernar says:

        Thanks so much sa reply. Can I avail the card through here instead? I saw that they sell the card through there as well.
        Is there any difference between the card issued in Smart store and PayMaya shop? I’d rather order it online since mejo malayo location ko sa megamall. TIA

      • coderinthebox says:

        You can purchase the card via their online shop, it will arrive as a prepaid kit.I don’t know the full details about the shop items in PayMaya but I know that they will arrive preactivate and probably with a sim card in the kit

      • coderinthebox says:

        For more info, you can email for the details. Base on experience, they sent a friend of mine a card preactivated without any freebies except the P100 load and P30 beep load. The kit instruct my friend to add the physical card on his PayMaya app on the phone (activated account). It was Smart who mailed the kit. Some received a sim card and a PayMaya card. Since this happen 3 months ago, things probably changed a lot now. PayMaya was not sending the kit before and it was Smart who appeared as the Sender.

      • Archernar says:

        Thanks. I did email PayMaya support and I just received a reply today.

        According to them, there’s no difference between the card you get in the shop and the one they issue at Smart centers (at least at the moment).

        They call the one in the shop ‘instant’ card, and the card via upgrade – ‘PayMaya Plus’ (Personalized).
        They said they personalized cards aren’t available at the moment so everyone gets an instant card. All upgraded users however will receive a free replacement (personalized) card once available.

        Again thanks for this article and replies.

      • coderinthebox says:

        Thank you =)

  • HELLO PO. after the linking po. how to get the 4 digit code po. for the last step dun sa paypal. VCC po nya. pls reply asap po. ty

    • coderinthebox says:

      The 4 digit code will be sent to your sim number as a text message. It is usually the last 4 digit code in the transaction reference number given by PayPal

    • coderinthebox says:

      It will usually come in this format “1234 PayPal Approval of P47.xx”

  • Venz says:

    What do you link in paypal the virtual ? or the physical card? and where could i get the physical card 🙁 i tried reading the FAQS but it is no USE

    • coderinthebox says:

      You can use any of them, they are linked both to the same wallet

      • Venz says:

        Thank you 🙂 very much 🙁 but what to do now ? it’s been 5 days and up and no return or refund from paypal of 50 pesos ?

      • coderinthebox says:

        Have you successfully activated your PayPal account? If yes, PayPal will cancel the charged $1.00 and the count of 3-5 days will start.

  • Venz says:

    i cannot link my PAYMAYA. in Paypal 🙁 . do i need an existing amount of money in order to link it ?

    • coderinthebox says:

      You need P200 as load, PayPal will withdraw P45.00 to P50.00 and will refund the money in 4 hours

      • Venz says:

        Thank you that helps . 🙁 BUT PAYPAL DID NOT RETURN THE 50 pesos 🙁

      • coderinthebox says:

        It takes 3-5 days before PayPal refunds. Once you activated PayPal by giving the correct 4 digit code, PayPal will issue a refund for a cancelled transaction. This will undergo a clearing stage, that causes the wait time of a few days.

  • iamloraineg says:

    Hi, I’m trying to withdraw funds from paypal to paymaya..However, its asking for bank account and bank codes (the 9digit codes). Why is that? Thanks

    • coderinthebox says:

      If it is asking for a bank and a bank code, you are not withdrawing to PayMaya instead you are withdrawing to a physical bank account that needs a Swift code.

      1. From your Paypal account, look for “Withdraw”.
      2. From that menu look for ‘Transfer funds to your card’
      3. Fill up the info and make sure you selected your “PayMaya” card

      Wait for the confirmation and wait for a few minutes to 2-3 days. There is no exact time when the amount gets credited since this is a transfer from PayPal and Visa.
      Make sure that your PayPal is verified and your PayMaya account was active and upgraded for deposits/withdrawals to avoid errors.

    • coderinthebox says:

      PayPal will credit your money to your PayMaya within 2-4 days period but will often credit it within a few minutes/hours (base on experience). To avoid charges, make sure that you are withdrawing P7000 as minimum or you will get a charge of P50.00 which is a fair trade though I was not charged by PayPal when I withdraw $1.00. I am holding a developer and merchant account with Paypal.