Guide to Pay Your Bills

Last updated: November 21, 2023

Written by: Digido Financial Writers Team | Reviewed by: Mark Anthony

Paying bills is always a hassle. You have to stand in line, and this can sometimes take hours. And we are only talking about one bill. What if you have to pay several?

Is there a solution to this, like a faster way to pay? Today, we will show you how to pay bills online in the Philippines that you can use. By the end of this tutorial, you should be able to choose which method you like. We encourage you to try several, as not all bills payment systems accept payment for all known establishments in the country.

5 Best Ways to Pay Bills in the Philippines

In this section, let us take a look at the different methods for bills payment and create a guide to pay bills. Some of these are online, some are not.

1. Bills Payment Centres

A bills payment centers is an establishment. It has a physical location (for example in business centers), and it has tied up with financial services companies to be able to transmit your funds to your biller.

Here are some of the most common payment services:

7-Eleven bills payment

This is a 24/7 convenience store spread out all over the country. You need to go first to the 7-eleven CliQQ machine and input all info there. Then get the printed barcode then go to the cashier for payment.

→ Read 7-11 bills payment list

Robinsons

This is a big mall that has lots of branches in the Philippines. There is a section in each mall, mostly in the Customer Service area, where you can pay  bills. Just hand them over the bill and cash, and they will process your payment.

SM Payment Center

Like Robinsons, this is a big mall with a country-wide presence. The payment centre is also located in the Customer Service area.

Take note that many of these facilities do not accept bills payment if you are already overdue. As such, it is best that you pay  bills before the due date.

Cebuana Lhuillier

This is a pawnshop that has many branches and franchises in the country. Their primary business is to offer loans with your jewellery as collateral. You get bills payment here like you would in the establishments we mentioned earlier.

Bayad Center bills payment

This is a company that has kiosks in bills payment business centers. Sometimes, you will find Bayad center in malls. Most Bayad Center businesses are seen inside malls. They also have a partnership with other businesses in the country like pawnshops.

→ Learn about In-Demand Jobs in the Philippines

2. Online Banking Apps

The second method by which you can pay  bills is through the mobile apps of banks. You can do the same from a browser if the bank has no app yet.

The beauty of this is allowing you to pay your bills no matter where you are. For example, you can pay bills while you are on a vacation. It works this way as the bank will take the funds from your savings or checking account. Due to this, the payment will not go through if you do not have enough balance on your bank account to cover the bills. Also, you only have to register your biller’s account number once, no need to type the numbers again.

To get this started, you must have an online account with the bank for bills payment or credit card. Please take note that some banks will require you to visit the bank to activate your online account.

→ Learn about Multi-Purpose Loans in the Philippines

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3. Bills Payment Mobile Apps

Most companies have their own mobile apps with bill payment features. You can send payment directly as they have teamed up with various private and public services and utilities.

You can download any of these apps from the App Store or Google Play and start using them. See how convenient it is to pay your bills online from the comfort of your own home!

Meralco Bills Payment Mobile App

Meralco (1) has its own mobile app that gives customers 24/7 access to their Meralco bills. In addition to viewing and paying Meralco bills, the app also allows users to report power outages or problems and check the energy consumption of appliances.

Bayad Center Bills Payment App

Here you can pay your electricity, water, phone and internet bills. The Bayad Center app (2) can be used not only to pay bills online, but also to perform other financial transactions such as sending and receiving money, as well as paying for loans, traffic tickets, fees for online transactions. You can pay more than 1,000 types of bills online. There is a bill reminder feature, which is very useful for everyone.

CLiQQ Bills Payment App

This bill payment app is convenient for anyone who doesn’t have a credit card, debit card or mobile wallet and has easy access to the 7-Eleven store. It works differently from other bill payment apps in the Philippines. Select the right service provider from the Cliqq bills payment list. After entering your account number, subscriber name and payment amount, CLiQQ generates a barcode that you present at any 7-Eleven branch. The cashier scans the barcode and you pay the bill in cash.

Moneygment Bills Payment App

Moneygment (3) is convenient for freelancers, small and medium business owners and OFWs. You can use the Moneygment app to conveniently comply with your state fees and taxes, pay bills and other utilities, and send money to the Philippines.

4. ATMs

Banks also allow you to pay your bills through the machines. You can do this if you have an ATM card or credit cards. To do it, just insert your card and enter your PIN. Then, press on “Others,” and you will be presented with an option to pay your bills.

From there, you will choose your biller, input the amount of your bill, and the biller’s reference number for your account.

5. E-payment systems

The last on our list is e-payment systems. These are third-party companies where you integrate your funding source. They are like PayPal, but they work for Philippine companies only.

Here are the most popular e-payment systems in the country:

GCash bills payment

Owned by Globe Telecoms, this is one of the pioneers of cashless transactions for bills payment in the country.

PayMaya bills payment

This is an app owned by Paymaya lending corporation where you can get bills payment and send money to another person. You can even pay someone to his or her GCash through your PayMaya account. It is easy to learn how paying bills online with this system.

Coins.ph

This is primarily a trading platform for coins like Bitcoin and Ethereum, but they have added ways by which you can pay bills from the system.

ECPay bills payment

An all-in-one platform where you can pay your bills online. They also have physical locations like Bayad Center. As of this time, they have more than 5,000 physical locations.

It is up to you to choose which of these systems you prefer. The best, of course, is an online payment system. With an app, you no longer have to go and queue. Even if they charge fees like ₱10, it is still worth it compared to paying for gasoline and wasting time.

→ All about Gadget Loan in the Philippines

Why is it important to pay your bills on time?

You have to get bills payment on time to prevent getting charged with late fees, especially when dealing with credit card companies. Don’t let unpaid bills stress you out. Paying your bills online will surely give you a peace of mind.

The worst possible thing that can happen is to have your service cut-off. For example, if you do not pay your electric bill on time, they will cut off your power supply. If this happens, you can no longer pay your bills from any of the above mentioned services. Instead, you have to directly pay the bill to the biller’s office with the corresponding late fee.

On top of that, you have to pay a reconnection fee. And even after you pay your reconnection fee, do not expect the company to reconnect your service right away. It can take days or even weeks.

How to prioritize your bills in the time of COVID-19

This time of the pandemic is crucial for everybody. There is just no legitimate reason for you to spend money on impractical things. To be able to survive, you have to set your bills in order of priority to avoid debts.

First, you have to pay your rent. Second, pay your utilities. This is the proper order of bills payment. If you do not pay bills, you may get evicted – the last thing you want is not to have a place to stay.

You can buy extra time to pay your bills. But you can’t get away from them. Remember that some payment centres send payments in real time and some payments take two to three working days. So remember to pay your bills at least three working days before the deadline so that the payment arrives on time and you avoid being late.

The main bills you have to pay in the Philippines

Water (Manila Water), electricity (Meralco), food and accommodation are some of the things you cannot live without. Pay these important bills first and, if you can, pay them consistently.

• Electricity. These are companies like Meralco, Batelec, APEC, BENECO, Davao Light and others. Meralco has its own payment acceptance centre.
• Water. These are companies such as Manila Water, Laguna Water, Maynilad, San Jose Water District and others. This is also one of the most important priority payments for every Filipino.
• Phone Bills. Phone communication is one of the most important things for you and your loved ones. For example, BayanTel, PLDT, Globe bills payment, Smart, Sun, and Digitel among others.
• Internet. These are internet companies like Smart, Sun Broadband Wireless, Sky Cable. Most people depend on Internet availability in today’s world, which means it is also one of the priority accounts.
• Cable TV. Companies like Sky Affiliates, Cignal cable TV, CableLink.
• Government and insurance accounts and services. DFA, NBI, Pag-IBIG, POEA, PSA Helpline, etc. Many of these require regular contributions so that you do not lose out on benefits and opportunities or insurances.

→ All about loans online for blacklisted

How to get and pay a Digido Loan

If you are ever short on cash, you can take a look at your credit cards or Digido. It is an online service where you can apply for a loan and get approved in as short as 24 hours.

Here are the benefits of applying for a loan at Digido via internet:

• Fast – loan applications are processed as soon as possible. If you submit your documents, you may get approved for a loan in as short as 24 hours.
• Online – there is no need to go to a physical location; just apply online and attach your documents.
• Low-interest rates – pay low interest compared to that of banks.

All operations are performed online - you don't have to leave your house

In only 4 minutes you can receive up to 10,000 pesos in your bank account, and up to 25,000 pesos for repeat borrowers.

We don't require guarantors representation, documentation, or guarantee deposits.

We only require 1 government valid ID

Once you get approved for a loan, you will receive the money via online. It can be transferred to a bank account of yours, or you can also choose from the other online payment systems listed on their site.

You must be a Filipino citizen between 21 and 70 to apply. Also, you must have proof of income and a mobile number. It is important that you pay your loan on time. Paying on time improves your credibility as a borrower, and Digido may increase the amount of loan you can get next time.

Here are the different ways to pay a Digido Loan:

• Cebuana;
• Bayad Center;
• 7-Eleven;
• Unionbank online banking;
• Other banks with online bills payment Philippines.

You can also visit a Digido payment center or a physical location, for example Bayad center. If there is none in your area, you can go to Unionbank and pay in person.

For other online payments, you can use the systems of Coins.PH, GCash, and DragonPay. As you can see, Digido not only makes it easy to get money, but it also makes it easy for you to pay your loan.

→ Also learn Dragonpay App Guide

Articles Sources

1. Meralco https://company.meralco.com.ph/…
2. Bayad Center https://www.bayad.com/
3. Moneygment https://moneygment.ph/

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