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Quick Guide on How to Use PayMaya App

Where everything is online, how would you cope up? Would you still go outside your house to purchase a load? Are you going to return a grocery item if you lack cash upon payment? Will you still line up just to send and receive funds from loved ones?

Will you believe that you can do all these with your existing mobile device?

You read it right! 

Your mobile phone is a handy tool especially with the use of the PayMaya app.  

Are you hesitating because of security risks? No problem. We got you covered with this quick guide on how to use the PayMaya app properly. 

Table of Contents

What is the PayMaya App?

PayMaya App Registration

Get a PayMaya Virtual Card

Use PayMaya App for Shopping

Use PayMaya App for Prepaid Load

Use PayMaya App for Bill Payments

Use PayMaya App for PayPal Account

Access PayMaya Deals and Discounts

Upgrade PayMaya Account

Use PayMaya App for Send Money

Use PayMaya App for Cash Withdrawal

Frequently Asked Questions

What is the PayMaya App?

PayMaya is a mobile app that serves as your virtual prepaid card. You can use it for shopping online, booking flights, restaurant reservations, and other transactions. 

It’s either you get a virtual Visa or Mastercard depending on your mobile network preference.

In addition, you can pay your monthly bills, send money and manage bank transfer with this app. 

There are over 40,000 partners nationwide to add money to your PayMaya account. Some of these are 7-Eleven, Palawan Pawnshop, Smart Padala Centers, SM Store Business Services and Robinsons Department Store Business Centers. 

Amazing right? All these because of your PayMaya account.

Let’s tackle more about it in this quick guide on how to use the PayMaya App.

PayMaya App Registration

Before you start using your PayMaya app, you must have a personal account first. 

How? No worries. We’ll teach you the step-by-step procedure on how to use PayMaya App Registration. 

Steps for PayMaya App Registration

Follow these steps and be registered:

Step 1. Download the PayMaya app. It can be from the App Store or Google Play Store depending on your mobile phone.

Step 2. Complete the online signup form. Click the Continue button once you’re done.

Step 3. Read and understand the Data Privacy Policy page. Afterward, tap the Agree button.

Step 4. Enter the verification number sent via SMS. Then, tap Verify.

Step 5. Check the View Card button.

Step 6. Provide your address and birthdate.

Step 7. Provide all the required information under the Online Payment Card Number page. A confirmation message is sent for your PayMaya account activation.

After successfully completing these steps, you can use all the PayMaya app features. No more fuss about lining up in a store. What a convenience. 

Get a PayMaya Virtual Card

PayMaya has a very unique feature. It offers a virtual Mastercard or Visa card.

What does it mean?

The Virtual card can be accessed through its app. 

This way, you can conveniently shop online. 

Also, you can pay your monthly subscriptions for Spotify and Netflix. 

On top of that, it lets you handle other financial transactions online. 

Magnificent right? All because of that simple virtual Mastercard or Visa card. 

How to get one? We’ll teach you how. 

Steps for PayMaya Card to PayMaya App Linking

Do this to obtain your PayMaya virtual card. 

Step 1. Log in to your account on the PayMaya app.

Step 2. Once at the home screen, check for this.

If you’re using an iOS device, tap ‘More’ option at the bottom right. On the other hand, if you’re using an android device, tap the ‘Menu’ icon on the top left.

Step 3. You’ll see My Cards > Link Card. Click it.

Step 4. Provide your PayMaya card details.

Step 5. Create a six-digit PIN. Be reminded of your digits. You’ll use this for ATM withdrawals from your PayMaya account.

Step 6. Most importantly, tap the Link card again.

And before you know it, you now have a PayMaya Virtual Card. Everything is accessible right at your fingertips. It’s all just a tap away. 

Moreover, viewing your virtual card is easy. Simply tap View Card on the top left portion of your app. Remember, you can only use the card after you have successfully linked it to your PayMaya app. 

Use PayMaya App for Shopping

As said earlier, the PayMaya app is best for shopping. 

Thanks to the PayMaya QR feature. 

It allows you to pay your purchases in any partner store without cash on hand. 

Present your smartphone with the PayMaya app to the following stores. SM Store, Jollibee and McDonald’s. Also, you can see other merchants that accept payments via PayMaya QR. 

Very convenient isn’t it? Especially if you know how to use the PayMaya app via QR. 

Steps for using PayMaya App QR

Have a sufficiently funded PayMaya account? 

Do this to buy that bag or dine with your kid. 

Step 1. Log in to your PayMaya account.

Step 2. Select the Scan button. It is located in the center of the home screen.

Step 3. With the merchant’s QR code on view, align the small square on your phone’s screen.

Step 4. Type the amount to pay. Click Continue.

Step 5. Verify the payment details first. Then, click Pay.

Step 6. Show the confirmation message to the cashier.

Very easy and quick to use. Plus! It’s free. No service charge. 

A very strong internet connection is very important. Also, a PayMaya QR standee is visible at the store counter.

Use PayMaya App for Prepaid Load

Before, reloading your prepaid phone is quite a hassle. You have to look for a sari-sari store that sells your mobile network load. 

But now, everything is convenient especially if you have a PayMaya app. 

Wanna know how? Check out these steps. 

Steps for using PayMaya App to send load

Secure a prepaid load for yourself and others by doing these. 

Step 1. Log in to your PayMaya account.

Step 2. Select the Shop option.

If you’re an iOS user, it’s located at the bottom left of the screen. But if you’re an Android user, access it on the ‘menu’ icon. Find it at the top left of the home screen.

Step 3. Select the type of package to purchase. You can choose from Mobile, Gaming, and Others.

Step 4. For load purchases, toggle the Send as Gift button. Then, enter the recipient mobile number. Don’t forget to click Continue.

Step 5. Verify all the purchase details first. Once sure, click Buy.

Step 6. A confirmation for your PayMaya purchase is sent to you.

Through this, you can start a small loading business. Sell a prepaid call, text and data packages for Globe, Smart, TNT, and Sun through the PayMaya app. 

In addition, gaming credits for Garena and Steam are also available. 

Take note! Prepaid cable subscription payment for Cignal is also accepted. 

Use PayMaya App for Bill Payments

Your virtual wallet can be used in many ways. Not only for shopping and loading. 

Do you know that you can pay your monthly bills with this app?

Yes, you read it right. 

Stay away from long lines on the bills payment section. Simply tap on your mobile phone to get the work done. 

How? Here’s a rundown instruction on how to use the PayMaya app for your bills payment. 

Steps for using PayMaya App to pay bills

Keep in mind these to accomplish paying your bills at ease. 

Step 1. Log in to your PayMaya account.

Step 2. Select the Pay Bills option.

For iOS devices, locate the option at the bottom center. For Android devices, tap the ‘menu’ icon at the top left of the home screen.

Step 3. Select the appropriate biller from the list.

Step 4. Type in the account number. Other details must be entered depending on the bill type.

Step 5. Type in the correct amount to pay.

Step 6. Review the first payment details before you confirm. Click the “pay’ option.

It takes only six steps to pay your bills. With the use of your PayMaya app, tap your way to pay the electricity, water, telco and cable bills. 

Biller enrolment and the account number registration is not necessary. 

However, the app doesn’t issue an official receipt. 

Nevertheless, a payment confirmation is notified to you. Keep the reference number to track your payments. 

On top of that, PayMaya extended its bills payment feature. It accepts payments for government fees like Pag-IBIG contribution and housing loan, NBI clearance and NSO documents. 

Just a simple reminder. Always pay your bills ahead of time. Avoid late payment posting by paying your bills at least three days ahead of your due date.

Use PayMaya App for PayPal Account

Do you often receive payments on your PayPal account?

Withdrawing funds is quite a hassle right?

But if you have a PayMaya app, you can transfer your funds from your PayPal at ease. 

To do this, you must link your PayMaya to PayPal first. 

This is how you do it. 

Steps for linking PayMaya App to PayPal

Check this out to link your PayMaya App to PayPal,

Step 1. Log in to your PayPal account.

Step 2. Select Wallet.

Step 3. Under the Credit Card option, select the Link a Card.

Step 4. Key in your PayMaya card information. Ensure that your PayPal address is similar to your registered PayMaya address.

Step 5. Select the Save option.

Once you’re done, you can start transferring your funds without fuss. 

Just follow this guide to use your PayMaya app for PayPal. 

Steps for fund transfer from PayPal Account to PayMaya App

Follow this for a problem-free transfer. 

Step 1. Log in to your PayPal account.

Step 2. Look for the Summary page. Click the Withdraw funds option.

Step 3. Type in the transfer amount you need. The minimum amount of withdrawing is Php 500.

Step 4. Select the PayMaya account then click Continue.

Step 5. Verify and confirm the transfer amount.

It takes two to four business days for the amount to be credited from PayPal to your PayMaya account. 

Also, a Php 250 PayPal withdrawal fee is charged. 

Access PayMaya Deals and Discounts

One of the perks of the PayMaya app is the best deals and discounts for its account holders.

These promos and discounts are posted on PayMaya social media channels. 

Also, PayMaya app users are always updated. They can access this information through the app itself. 

Want to view it ahead of others?

Below are the steps on how to view PayMaya Deals and Discounts using the app:

Steps to view PayMaya Deals and Discounts through PayMaya App

Stay updated by doing these: 

Step 1. Log in to your PayMaya account.

Step 2. Click the following depending on your mobile device.

For iOS mobile users, tap ‘More’ options. And for Android mobile users, tap the ‘Menu; option.

Step 3. Then select Promos. It will lead you to the PayMaya Stories blog.

Step 4. Read on the different promo offers. For sure, there’s one that will catch your attention.

Whatever deals and discounts you like, PayMaya will support the transaction for you. 

Upgrade PayMaya Account

An upgraded PayMaya account is the window for more accessible financial transactions. 

Send money and withdraw cash from your PayMaya account hassle-free. 

This is available once you have updated your account. 

Steps for upgrading PayMaya Account through PayMaya App

Level up your account by following these steps:

Step 1. Log in to your PayMaya account.

Step 2. Depending on your mobile device, look for these options.

For an iOS phone user, select the ‘More’ button. For an Android phone user, select the ‘Menu’ button.

Step 3. Select the Upgrade for Free button.

Step 4. Type in all the needed information at the upgrade application form.

Step 5. Upload a picture of your valid ID. Use your phone to capture the ID picture.

Step 6. Lastly, Select the Submit button.

A validation code is sent via SMS to you. This code comes in handy when you chat with PayMaya on Facebook. Also, a scheduled video call with an officer will need the code. Keep it in mind. 

Use PayMaya App for Send Money

With an upgraded PayMaya account, money transfer comes easily. 

Do this service for free especially if you take note of these steps. 

Steps for using PayMaya App to Send Money

Send funds to your family and friends through these steps. 

Step 1. Log in to your PayMaya account.

Step 2. Select the following option based on your device type.

For iOS users, tap ‘Send Money’. For Android users, tap ‘Menu’ icon. Look for the Send Money option.

Step 3. Type in the recipient’s mobile number. Adding a saved contact number is easier. Just type “+” sign then search for the number on your phone contact list.

Step 4. Key in the correct amount to send.

Step 5. Select the recipient’s account type. It can be from a PayMaya, Smart Money or GCash. Then, tap Continue.

Step 6. Review and verify the details of your Send Money transaction.

Step 7. Once checked, click the Send button.

Step 8. A PayMaya confirmation via SMS is sent to you.

Money transfer from your account to another PayMaya wallet is up to five times a day.

Moreover, you can send funds from PayMaya to GCash or PayMaya to All these transactions are for free.

Use PayMaya App for Cash Withdrawal

Need your funds from the PayMaya app in cold cash?

You can withdraw your funds from your PayMaya account. 

Don’t know how?

Let’s teach you the proper use of PayMaya App withdrawal. 

Important Reminders for PayMaya App Withdrawal

Be reminded of the following: 

  • Withdraw funds via any Bancnet ATM in the Philippines
  • Withdraw funds via any Visa Plus ATM abroad
  • A service fee of Php 15 for every ATM withdrawal
  • A service fee of Php 5 for Land Bank ATM withdrawal
  • Have a physical PayMaya Card (costs Php 150)
  • Have linked your card to your PayMaya account
  • Set and remember the six-digit ATM PIN
  • Upgraded PayMaya account

Frequently Asked Questions

Help! I forgot my password. What to do?

Recover your account easily by doing these. 

  • Click the “Forgot Password” link on the app. 
  • Type in your mobile number.
  • A link to reset your password is emailed to you. 
  • Follow the link instructions. 
  • An SMS confirmation about a changed password in sent to you. 

Forgot the recovery email? There’s another way to recover your account. 

Tip! Always enter a recovery email in the Account Settings. It is very useful for emergencies like this. 

Can I change the information registered to my PayMaya Account?

For any changes to your registered information, contact the official support channels. 

Try any of the following

  • Hotline number: (+632) 8845-7788
  • Toll-Free: 1800-1084-57788
  • Smart mobile phone: dial *788
  • Email:
  • PayMayaCares Facebook:

Always present the following when you make a request.

  • Proof of identification (any valid ID)
  • Letter of request (for non-upgraded user)

Transaction Error! What to do?

If this happened during an In-App transaction, follow these steps. 

Step 1. Assess if you have a strong internet connection.

Step 2. Check if you entered the accurate information.

Step 3. Look for any reported downtime announced by PayMaya and/or the merchant.

Step 4. Retry your transaction after a few minutes.

If this happened during Card transaction, follow these steps.

Step 1. Use the updated card embedded with EMV chip.

Step 2. Check the error type that occurred.

Step 3. Look for any reported downtime announced by PayMaya and/or the merchant.

Step 4. Retry your transaction after a few minutes.

If problems persist, you may contact the customer support channels such as:

  • Hotline number: (+632) 8845-7788
  • Toll-Free: 1800-1084-57788
  • Smart mobile phone: dial *788
  • Email:
  • PayMayaCares Facebook:

Cashback credit takes too long? What should I do?

A cashback is not granted for several reasons, it can be as follows:

  • A promo is only applicable to a valid PayMaya account
  • PayMaya user has a duplicate account
  • Blacklisted PayMaya account cannot participate in any promos
  • Any suspicious, malicious, invalid or fraudulent account 
  • PayMaya user exceeded the aggregate limits

Contact the official support channels if you don’t belong to any of the above criteria. 

Can I disclose my OTP?

Any personal information such as OTP, log-in details or personal details is for your keepsake only. 

Keep in mind the PayMaya representative will never ask for these details. 

  • Personal information: birthdate and home address
  • PayMaya account information: one-time password (OTP) and six-digit ATM PIN

You upgrade, system update, promo or prize does not require any of the above information.

How to identify a legit PayMaya contact?

Reliable sources about PayMaya from social media and email are: 

  • PayMaya
  • PayMayaCares 

These official social media pages will not be part of your friend list. 

Other than these are considered unauthorized pages or representatives. 

If someone claims to be part of the PayMaya team, report it at right away. 

Can I still pay for my overdue bills on PayMaya?

Bill payments past their due date are accepted by some billers. 

However, others don’t. Better check the specific biller if they allow late payment. 

For a safer transaction, always pay your bills three days before the due date. It’s best if you settle it ahead on time. 

The best reloadable prepaid card in the Philippines is the PayMaya app. Several financial transactions are allowed just like how you use a credit card. Imagine, you can pay your bills and purchases anytime.

Also, send money and avail other financial services without cash anywhere. 

Read and understand the quick guide on how to use the PayMaya App designed for beginners like you. Afterward, download the PayMaya app. Maximize your privileges by upgrading your account.

Do you need an extra cash to pay your bills through PayMaya App? Get a loan from Cash Mart today! Experience a quick cash loan and pay your bills in no time.