PayMaya Review and Comparison
Shop and Beep with your PayMaya
PayMaya was the craze of the town a few months ago. I am not an early adopter of any new technology due to bugs and issues that pop up as a side effect of rushed deployment (mostly the case) or hardware to software integration issue. If I am not mistaken, it is already 2 months since it was first released and I already have my pie share on what it is and how it works.
What is PayMaya
PayMaya is the new version of SmartMoney under the new Umbrella of Smart with a new brand name of Smart eMoney. This branch handles all virtual prepaid credit cards offered by Smart. PayMaya is a virtual prepaid debit card with an option of a physical prepaid debit card.
PayMaya Versus SmartMoney
Physical Card Payment
SmartMoney Charges P100 for the first time request of SmartMoney physical card and can go up to P150 for card replacement. PayMaya cost P100 to get your first card.. In reality, the card is free since you are paying the initial deposit of P100 for the card and it comes with free P30 of Beep wallet credit.
Limits
PayMaya unlike SmartMoney have no usage limit if you don’t opt to get the physical card. You can create your own card on the fly by downloading the application from Google Play and signing up for free. PayMaya is also available via Apple App Store by changing the country to PH from US. This is a Visa regional restriction for prepaid cards.
Telco Lock
PayMaya is not telco dependent in contrast to SmartMoney which is locked to a Smart sim card. You can sign up using your Globe/TM sim cards. This upgrade was first tested with SmartMoney users for almost 6 months resulting to a disliked new feature of SmartMoney which deduct P5 for every P1000 worth of money sent to the receiver. It is basically double charging since the sender was charged and the receiver was also charged. PayMaya charges the sender and the receiver for every money transactions.
Backend
PayMaya is powered by Rocket Internet as the major backend for the system side and was linked to Bancnet/Plus Interbank network. SmartMoney is backed by BDO from Megalink network
Terminal
SmartMoney needs a physical terminal to pay your purchases while PayMaya only needs the partners account in order to pay over the air. The only catch is that you need a working internet connection to complete the transaction.
Physical Card Activation
You can get your generic PayMaya from Jump Stores (Got mine from SM Megamall Jump Store) and selected activation booths. The only group who got a personalized card are the early reviewers (bloggers and media). There was no news on when you can get your name printed on the card since personalized (named) cards are no longer available. You only need to wait 5 mins for the card.
You can get your SmartMoney card from any Smart Store but the physical card will be mailed with an average time of 7 days to 2 months. Yes, they take a very long time before they got delivered which gives a better edge for Paymaya.
Features
Contact Less Payment (Beep)
PayMaya have a Beep chip embedded inside the card for those who opt for the physical card version. The primary use of the physical card is for card swiping and as contact-less payment for MRT/LRT.
A prepaid physical card for swiping and with contact less payment chip was first introduced by BDO. I had the theory that BDO was the first company that Smart approach for this new product however, things got sour before the deployment date. BDO cash card with contact less chip is expensive to have due to the fees and there is a load limit per month. You will loose your contact less wallet balance if you lost the card and you can only use it as payment for physical swiping.
Terminal Less Payment
One of the strong points for PayMaya is the terminal less mode of payment. As long as you can go online and connect your PayMaya account, you can readily pay your bill using the app menu which is a nice feature.
Loading Methods
You can load up at any 7-Eleven at the Cliqq kiosks, and at Robinson’s & SM Business Centers. You can also load up from Selected Smart Padala outlets but technically, all Smart Padala users and SmartMoney users can load you up.
If you have a Smart Money account, you can go to the Smart Money SIM Menu, select Transfers and then click on Others. Enter 8877+Mobile Number of the PayMaya load-up recipient. (ex. 88779181234567). Enter an Amount, your WPIN, and Send. 8877 is a requirement to be added at the start of your phone number to tell the server that you are intending to pass credits to a PayMaya card. Forgetting the 8877 required number will trigger a SmartMoney to SmartMoney transfer.
Beep Chip
There is no direct way as of the moment to reload your Beep chip other than reloading the chip on Beep reloading terminals. I hope this feature can be automated in the coming year 2016.
PayMaya is your SmartMoney and Beep card
Hi sir @coderinthebox.. ask ko lang po kung pede ako magbayad sa online booking ng airline ticket ko worth 60k (if converted from US dollars)? upgraded na po ako. wla po bang amount limit per transaction per day? TIA!
I am not sure if allowed kang mag purchase ng P60,000 worth of item/ticket online. I recommend asking support@paymaya.com or calling *788 using smart, tnt or sun sim.
Hello good day, where I can avail the physical card ? Sa sm fairview Po ba Meron?
Card is available on all SM information or Business booth. It is also available in Smart Wireless Storess
Hi! I ordered something in instagram and the seller asked me to pay thru her PAYMAYA account. I transferred the money thru BDO Online banking to her Paymaya account. Unfortunately, I got scammed. The online seller either blocked me or deactivated her account.
Is there any way/options where I can request Paymaya to debit her paymaya account and return the money to me? Looking forward for your reply. Best Regards
Contact support@paymaya.com and contact BDO. In cases like this, they will mostly ignore the complaint but there is a slight chance that they will deactivate the offending person’s account or reverse the charge. You can try it as a dispute complaint.
To be honest, this blog has better customer service response compared to Paymaya themselves.
Hi, nag post na din ako ng comment dito last May 30, 2017, same issue pa din.
Paano po mag withdraw sa BDO using Paymaya Smart Mastercard? Sa withdraw lang nag-e-error pero kapag gagamitin kong payment sa mercury, hypermarket, savemore, etc. okay naman. Upgraded naman, pero `di maka-withdraw.
Paano po if defective yung EMV chip, anong pwedeng gawin?
Need help… Thanks.
May 22, 2017 pala haha sorry po mali.
Pwede na din po ba mag deposit sa BDO ang Paymaya Smart Mastercard gaya ng sa Smart Money dati? Yung hindi po online-banking.
Thanks
Yes, use payment form and indicate that it is a PayMaya account. Use your activated number and not the card number.
pwede mag widraw. kggaling ko lng kanina sa PNB, since un malapit sakin. Bancnet ung sakin (greencard). takenote, di pa upgraded account ko.
gumana sakin.
sa PNB ko ginamit, since un malapit, btw bancnet ung sakij at greencard na.
fees when loading up paymaya – how much sa 7-eleven, sm, bdo etc. or which is cheaper to load? anybody?
Did anyone used the paymaya card for withdrawal transactions? Need some update before loading up
Card won’t be sold if you CAN’T use it to withdraw. Make sure you get your account upgraded first and have a physical card linked to your UPGRADED account before planning to withdraw
how long it takes in credit reversal?
7-21 days, if the seller did not issue a refund request. 1 day if the seller issue a refund request.
Hi my gusto lng ako iclarify…upgraded na paymaya ko, automatic nba pag nagpalit ang buwan (month) un monthly 100k limit eh available na agad? Gamit ko sya sa paypal.
It is automatic, make sure before the end of the month, you will take out all cash from your account.
but why?
It will count with your total Cash-in for the next month. For people using it for personal use, you don’t need to take them out.
The max limit of 100k a month and the previous months balance only affects people accepting money coming from other people. This will be fixed in the future though as promised by PayMaya.
Example:
On September 29, you have 11k on your PayMaya account. If this money remained on your account on October 1, your usage for the month of October will be padded up for 11k (same amount that was present on your PayMaya). This is a logic error with the system that they are addressing. PayMaya is in constant update/upgrade and they are adjusting things a lot to make it work better.
The correct action should be, you can put another 89k on your card for October and when you withdraw at least 11k, you will gain another 11k Cash-in allowance.
The thing that drags PayMaya development is the problematic support with SmartMoney system that crashes alot. Smart Mastercard (PayMaya) is the old Smartmoney and it is piggy backed on top of PayMaya system.
Hi I ordered a physical card (Already upgraded my account thru fb video call). Just curious, does it really come with out the account name (my name) printed on it?
Card is not personalized
hi san po pwede ipaupgrade yung paymaya acc, near sm north lang po.
Pag reversal ng transaction sa Paymaya, promise uugatin ka sa kakahintay! Bulok ang support nila.
hi, i was not able to transfer from smart money sim to paymaya sim. is network preference has something to do with this? like i linked my paymaya to my globe number. need advise. thanks.
Network preference have is not an issue. If you want to transfer money from Smartmoney to PayMaya…
If you have a Smart Money account, you can go to the Smart Money SIM Menu, select Transfers and then click on Others. Enter 8877+Mobile Number of the PayMaya load-up recipient. (ex. 88779181234567).
Nag try ako mag withdraw from paypal to paymaya kaso lang me lumalabas na internal error, pero okay nman pag nag widthraw ako sa bank account ko. Me issue ba kayong ganito? Thank you.
Kung hindi upgraded ang account mo, mag internal error ang card na nakalink.
Hi, bumili po ako ng Paymaya Smart Mastercard sa Smart SM North-EDSA. Activated na po thru text then nag register po ako sa Paymaya App at successfully upgraded na din po thru Bayad Center. Bale meron na po akong Virtual Card at Physical Card.
Nag send po ako ng 500 from my SmartMoney to my Paymaya Smart Mastercard. May text sa akin yung Paymaya na pumasok na yung 500 at nag pop-up naman sa Paymaya App yung balance. Nag try po ako na i-withdraw sa BDO ATM Machine ang 300 kaso nag e-error po. Bakit po kaya? Ano po ba pipiliin, Savings / Cards / Credit Card? Ang pinipili ko po kasi “Savings”.
May text yung Paymaya na nag withdraw daw ako ng 300 tapos ilang seconds lang may text din yung Paymaya na balance na hindi nabawasan yung sa account ko. Bale nag double check ako ng balance ko thru text since wala akong na-withdraw na 300 at tama naman hindi nga nabawasan. Bale bumili nalang ako ng ice cream sa Mercury ginamit ko yung Paymaya Smart Mastercard at pumwede naman at dun na talaga ako nabawasan haha. Nung nag-check din ako ng Paymaya App lumabas dun yung sa pag-withdraw ko sa BDO ATM Machine tapos meron nakalagay na naka-refund andun din yung binili ko sa mercury.
Tanong lang ano po ba yung ili-link na Paymaya Card sa Paymaya App? Yung mismong Paymaya Card po ba na kulay blue/violet o yung Paymaya Smart Mastercard na kulay green? Kasi yung nili-link ko yung Paymaya Smart Mastercard ko na green nag e-error po eh.
Tumawag na din ako sa *788 ang sabi po activated, naka-link, upgraded at ready for withdrawal na. Pero hindi po ako maka-withdraw.
Need help 🙂
Check if nasa “My Cards” na ang physical card mo.
Yes po nasa “My Cards” naman na po yung Physical Card ko at Virtual Card ko.
Opo andun Physical Card at Virtual Card
Your PayMaya card have an EMV chip, the issue can be one of the following
1. The ATM machine was not accepting EMV chip enabled cards, notable Security bank rejects ATM/credit cards with EMV chip.
2. The EMV chip was loose or defective.
Known banks so far that I used that supports EMV chips are BDO and RCBC.Some BPI ATM accepts EMV enabled cards and some won’t.
Those EMV microchips on your card contains your personal data.
Hi nag hulog na po ako sa smart padala gamit ang number na nakaregister sa paymaya ko pero yung balance po ng paymaya ko is only 0 parin pero my confimation na po ako na na recieve! panu po iyun?
I am betting that you did not transact to a REAL SmartPadala center. You only transact to a person who have a personal SmartMoney account. That person have done a regular SmartMoney to CP# transfer and you should get a confirmation on how to claim the transferred money or worst, it was credited to your temporary SmartMoney account (if you are using a Smart sim).
Ganito din po ba sa cebuana?? Use 8877 as starting sa paymaya number??
Ang 8877 or 7788 sa start ng number ay para lang sa SmartMoney to PayMaya. Ginagawa ito para maiwasan ang problema sa SmartMoney System sa kanilang “Send to Anyone” feature.
hello sir, my friends send money to paymaya using smartpadala. from (smartpadala to paymaya) but the owner of paymaya said that he did not recieved the money to his paymaya number. he recieved only a notification that he can get the money thru smartpadala branch. but the problem is when he go there in smartpadala branch they said that he cant get the money because the beneficiary is not their smartpadala branch. how we can refund the money? thanks sir
How did your friend sent the money, please list the steps done. It is possible that your friend sent the money as a SmartMoney transfer and not a SmartMoney to PayMaya transfer. If the receiver is using a non-smart sim, the text is an instruction on how to claim the money on REAL SMART PADALA centers. A SmartPadala agent will have an extra menu on their Sim Menu that ask for a transfer confirmation code. The transfer confirmation code is what a non SmartMoney user gets. The money will be credited to any REAL Smart Padala centers who “cashed in” the transfer code.
Good day! I just ordered my physical card this day. Can I still be able to withdraw even if I won’t upgrade my account? Thanks in advance
Your physical card is useless if your account is not upgraded.
is it completely useless even if you just use the physical card for in-store purchases?
You can swipe the card in POS terminals.