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In this article, you will learn all about PayMaya in the Philippines. PayMaya offers bill payments, money transfers and various purchases. You can take an urgent loan from Digido and spend it for any purpose! Approval over 90%!

Key takeaways:

  • One of the most popular e-wallets in the Philippines is PayMaya.
  • PayMaya offers bill payments, money transfers and various purchases.
  • Another good thing about PayMaya is that you can also use their physical card.
  • Unfortunately, Digido doesn’t have a payment option through PayMaya. But you can choose another convenient method.

How to Use a PayMaya

Nowadays, doing transactions is easier and more convenient because of technology. When e-wallets emerged, various financial services became broad and more accessible to everyone across the globe. And one of the most popular e-wallets in the Philippines is PayMaya.

PayMaya lending corporation聽is regulated by the聽Bangko Sentral ng Pilipinas.

What is PayMaya?

PayMaya, as mentioned earlier, is one of the well-known e-wallets in the Philippines. Just like other virtual cards existing today, it has a lot of benefits. It offers different financial services that are accessible through the PayMaya mobile app.
How to use a Paymaya virtual card? Some of the services that PayMaya offers include:

路 Bills payment;
路 Sending/Receiving money;
路 Online payment on online shops/in-store;
路 Booking flights;
路 Mobile phone load top-up.

Another good thing about PayMaya account is that you can also avail yourself of their physical card. You can link this card to your PayMaya mobile app, and it will provide additional benefits to the cardholder. Using this, you can pay your bills in a store that accepts debit/credit cards. Paymaya cash-in fee is 1% of the amount over 10,000 pesos monthly.

How to Start Using PayMaya App?

So, how to make a PayMaya account?

1. Download the PayMaya mobile app on Google Play (for Android users) or the Apple App Store (for iOS users).
2. Launch the PayMaya app, then fill out the form for the registration process. Tap 鈥淐ontinue鈥.
3. Check and read the Data Privacy Policy page. Tap “Agree”.
4. You will receive a verification number via text. Enter this number in the PayMaya app. Tap “Verify”.
5. Go to “View Card”, then enter your birthday and address.
6. Go to the “Online Payment Card Number” page, then enter the necessary details. After this, PayMaya will send you a confirmation on your account activation. And you will create a Paymaya account.
7. And how to add money in Paymaya? After the activation of your PayMaya account, you can add money to Paymaya using a credit card or add money in Paymaya using Globe load.

I want to borrow 鈧 10000
Min: 鈧 1000
Max: 鈧 20000
Payment Terms 10 days
7 days
21 days
My Monthly Gross Income 鈧 20000
You return*: 10 000
All your data is under secure protection!
We recommend taking a loan!

* Interest payments are approximate. The final loan amount and interest rate must be confirmed in your loan agreement after loan approval.

Ways to use PayMaya聽account

PayMaya provides various services. You can also use a PayMaya in different ways. Here are some of them:

How to use a PayMaya for Steam

1. In the Steam Wallet Xquareshop, select the Steam Wallet voucher you prefer.
2. Select on the E-wallet, then choose PayMaya.
3. When you get into the payment page, you have the option to pay through your PayMaya wallet or via QR code. If you choose your PayMaya account, you need to login to your account first.
4. Check your order details, then complete the payment process.
5. After you successfully paid the voucher, Steam will redirect you to the order page. Your Steam Wallet code will reflect, and you will receive it at your email address too.

How to use PayMaya card for pay bills

What is Paymaya card? The card will help you with online payments:

1. First, make sure that your PayMaya account has available cash聽in Paymaya. Go to the store’s page and select the item(s) you want to purchase.
2. Proceed to the payment process, then select Debit/Credit Card or the VISA/PayPal payment method.
3. Enter your PayMaya card details:
a. card number;
b. expiration date;
c. CVV2 or the security code.
4. Open your PayMaya app, then confirm your payment. You will receive an SMS as confirmation that your payment is successful.

How to withdraw money from Paymaya without a card

You may withdraw your cash through ATMs here in the Philippines and abroad. PayMaya cards are available for all upgraded users.

How to withdraw money from PayPal to Paymaya

1. Link your PayPal and PayMaya account
2. Now you can start transferring money from PayPal to PayMaya.
3. Login to your PayPal account and click “Transfer Funds” or go to the “Wallet” tab and click “Transfer Money”.
4 .Enter the amount you want and choose your PayMaya account.
5 .As soon as you confirm the withdrawal amount, your transfer will be processed.

Can I use Paymaya for Paypal? The answer is yes!

Where to buy PayMaya physical card

You can purchase a PayMaya card at the:
– PayMaya website;
– SM Store Business Services;
– Robinsons Department Store Business Centers.

How to use PayMaya in Lazada

1. Open your Lazada mobile app, then select the item(s) you want.
2. Tap “Add to Cart”. Open your cart and proceed to payment by tapping “Check Out”.
3. Enter your shipping details, as well as your billing information. Tap “Place Order”.
4. Choose “Credit/Debit Card” as your payment method.
5. Enter your PayMaya details, then tap “Pay Now”.

How to use PayMaya in PayPal

1. Log in to your PayPal account on your computer. On the Summary page, click the 鈥淲ithdraw Funds鈥.
2. Enter the amount you want to withdraw.
3. Choose PayMaya. Make sure that you linked your PayMaya account to your PayPal account.
4. Confirm your withdrawal amount, then wait for 4 business days for the amount to be reflected on your PayMaya account.

How to use PayMaya in Shopee

1. Open your Shopee mobile app, then select the item(s) you want for use Paymaya in Shopee.
2. Tap “Add to Cart”. Open your cart and proceed to payment by tapping “Check Out”.
3. Enter your shipping details, as well as your billing information. Tap “Place Order”.
4. Choose “Credit/Debit Card” as your payment method.
5. Enter your PayMaya details, then tap “Place Order”.

How to use PayMaya in Spotify

So, how to pay Spotify using PayMaya?

1. Make sure you have loaded up your PayMaya account.
2. At Spotify, sign up for an account. Enter the necessary information.
3. Enter your PayMaya details. After this, you will get your Spotify Premium.

How to use PayMaya in Google Play

1. You can also use your PayMaya in any in-app purchases at Google Play. To use it, the app should accept payments via Mastercard or VISA.
2. Go to Google Play and install the app of your choice.
3. Enter your PayMaya details to complete your in-app purchase.

How to use Paymaya in Netflix

So, how to pay Netflix using PayMaya?

1. Tap the 鈥淢y Cards鈥 tab at the bottom of the screen
2. Select 鈥淥nline Payment Card Number.鈥
3. Use the card details in your PayMaya virtual credit card to purchase a Netflix subscription.

How to use Paymaya in Playstation store

1. Log in to your PayMaya app
2. Tap 鈥淕aming鈥.
3. Choose your desired product.
4. Confirm and pay. You will then receive a unique voucher code that you can use to add funds to your PSN Wallet.

How to use PayMaya in PSN

1. Go to the PayMaya mobile app and log in to your account. Tap “Gaming”.
2. Select the product you prefer.
3. Confirm your choice, then pay. You will receive a voucher code after your successful payment.
4. Use this unique code to fund your PSN Wallet.


  • Can I have 2 PayMaya accounts?
    Each person can only register one PayMaya account.
  • Can I withdraw money from PayMaya?
    Yes, you may withdraw from your PayMaya account using your PayMaya physical card through ATMs here and abroad.
  • Is PayMaya legit and safe?
    PayMaya employs the latest security technologies to protect both individual users and merchants, ensuring that every transaction is safe and secure.
  • Is PayMaya a good company?
    Yes, Paymaya is very much appreciated by Filipinos. If you read PayMaya rewievs, you will see that people recommend it for online payments and of course for cashless payments.

How to Load Up PayMaya and Send Money

Here are some of the ways on how to load PayMaya card/app:

How to load PayMaya using BDO

Top up your account at any BDO branch:

1. Go to any BDO branch that you prefer. Get a BDO Cash Transaction Slip.
2. Fill out the important details. For the company name, write PayMaya Philippines, Inc. Then fill in your PayMaya account information:
3. Subscriber’s Name;
4. Subscriber’s PayMaya Account Number;
5. Transaction Amount.
6. Tick/Check the box for the Bills Payment.
7. Present the slip to the teller and provide the cash payment.
8. You will receive an SMS confirmation to notify you about the transaction.

Top up your account via BDO mobile app/online:

1. Open your BDO mobile app, then log in to your account.
2. Tap “Send Money”. Select “To Another Local Bank”.
3. From the drop-down menu, navigate and choose “PayMaya Philippines, Inc.”
4. Enter the required information. Wait for your One-Time Pin sent to you.
5. Check the details, then confirm your transactions. When done, you will receive an SMS notifying you of the successful transaction. So you added money from BDO to Paymaya.

How to load PayMaya using BPI online

1. Open your BPI Online Banking or your BPI mobile app, then log in to your account.
2. Go to Menu, tap “Payments/Load”. Select “Load E-Wallet”.
3. Enter the required details.
4. Choose your source BPI account under the “Load From” section.
5. Find PayMaya through the “Load To” and select it. Under the “Reference Number”, enter your Paymaya mobile number.
6. Enter the amount, then tap “Next”. Make sure that the details you input are correct.
7. Input your One-Time Pin sent to you.
8. You will receive an SMS notifying you of the successful transaction.

How to cash in PayMaya in 7-Eleven

Top up using PayMaya barcode:
1. Go to the PayMaya app, then log in to your account.
2. Tap “Add Money”, then choose the 7-Eleven.
3. Input the amount, then continue. Wait for the barcode to be generated.
4. Go to any 7-Eleven branch, then show the barcode to the cashier for scanning. Pay the amount plus a fee.
5. You will receive an SMS notifying you of the successful transaction.

Top up using SMS:
1. Create a new message, then text:
2. ADDMONEY 711 [amount]
3. Send to 292907969.
4. Wait for the code. Once received, go to any 7-Eleven branch with a CLiQQ kiosk. Enter the required information.
5. Give to the cashier the CLiQQ kiosk receipt. Pay the amount plus a fee.
6. You will receive an SMS notifying you of the successful transaction.

How to Cash Out in PayMaya

To withdraw your cash from PayMaya, you need to use your PayMaya physical card. You can go to any BancNet ATM and use your card to cash out. If you are outside the Philippines, you can use it as well at any VISA Plus ATM. But make sure that you have linked your PayMaya account to your card.

How to cash out PayMaya without a card?

Unfortunately, you cannot withdraw your funds in your PayMaya account without a card. If you have an upgraded account, you can purchase one at PayMaya official website.

How to cash out PayMaya in Palawan Express?

You cannot cash out Paymaya to Palawan, but you can send your money to a recipient through Palawan Express.
1. In your PayMaya dashboard, tap 鈥淪end Money鈥.
2. Enter the 16-digit number of the Palawan Express branch where your recipient will get the money.
3. Input the amount.

Apply now

Pros and Cons of PayMaya

Here we have compiled the most popular advantages and disadvantages that customers of the service are talking about online.

Pros of PayMaya:

  • Easy, convenient, and free to use;
  • Has a lot of affiliate partners when loading up such as 7-Eleven;
  • Can withdraw the cash in the Philippines and abroad.

Cons of PayMaya:

  • Some shop online do not accept PayMaya;
  • Cash in may take a while;
  • PayMaya app is accessible only via smartphones;
  • Logins do not have two-factor authentication.

All operations are performed online - you don't have to leave your house
In only 4 minutes you can receive up to 5000 pesos in your bank account
We don't require guarantors representation, documentation, or guarantee deposits.
The service is fully automated

Can I Repay a Digido Loan with PayMaya?

How to pay Digido in PayMaya? Unfortunately, Digido does not have a payment option via PayMaya. But you can choose another method by paying your loan to these affiliated payment centers of Digido:

  • 聽7-Eleven;
  • Cebuana or Bayad Center;
  • RFC offline branches;
  • Union Bank (over the counter and mobile banking);
  • Other banks (online banking via invoice);
  • Gcash, Coins.ph, Dragonpay.

Remember that you can apply for a quick loan in Digido for up to 25,000 pesos at any time. To do so, you need to be a Filipino citizen and between 21 and 70 years old, as well as provide a valid ID and mobile phone number.

How to Borrow Money from PayMaya

Many people think that PayMaya is only a payment processing tool. They do not realize that you can apply for a loan. When people ask, 鈥淐an I borrow money from 袪aymaya?鈥 The answer is yes, you can.

Today, we will show you how to get a loan in PayMaya in simple and easy steps. This loan is what many people call PayMaya Cash ni Juan.

What is the Cash ni Juan PayMaya loan?

The PayMaya loan Cash ni Juan is a lending product of PayMaya in partnership with SnapCash Lending Inc. To use it, you must first be a PayMaya user. Users can borrow between 鈧2,000 and 鈧5,000. The borrowers are expected to pay the loan in 14 days.

How to Apply PayMaya Loan

The company has several conditions before one gets approved for a loan. First off, you must be between 18 and 65 years of age. Also, the interest is 0.08%.

Here are some more things you need to know:

鈥 Use PayMaya often; you will not get approved for a loan if you do not use the app
鈥 Upgrade your account; upgrading is free, and you will go through a video call with PayMaya

After upgrading your account, you can now apply for a loan. With an upgraded account, you can also request a PayMaya VISA Debit Card.

After the upgrade, you need to activate your Credit Scoring Options. There are many boxes that you have to check, such as Profiling, Profile Sharing, and Credit Scoring.

With Credit Scoring, the company will calculate your credit score based on data that comes from the PLDT Group. They are like the equivalent of Equifax in the US. They share your credit data with third-party entities.

Once you have built an acceptable PayMaya credit score, the PayMaya lending app will show you a banner that says PayMaya credit loan or PayMaya loan application.

How Much Can I loan in PayMaya: PayMaya Credit Limit

The maximum amount of money you can loan is 鈧5,000. The minimum and the maximum term is 14 days. What means that essentially, your loan term is fixed at 14 days. It does not matter if you paid the loan three days earlier. You will still pay the interest for 14 days.

With the PayMaya loan application, the interest is 0.08% per day. Below is an example of the maximum loan.

鈥 Loan amount: 鈧5,000
鈥 Interest: 0.08% x 鈧5,000 = 鈧4
鈥 Total interest to pay = 鈧4 x 14 days = 鈧56

Once you pass the PayMaya loan requirements and you got a loan of 鈧5,000, you must pay a total of 鈧5,056 within 14 days.

There is no mention whether or not PayMaya charges late fees or penalties, but it is safer not to test it. Keep in mind that you have a credit score. If you do not pay your bills on time, your credit score gets negatively affected. The lower your credit score, the less likely you will get approved for a loan.

How to Loan in PayMaya App

Does PayMaya offer a loan? Not really. PayMaya, as the company, is not the lender. Instead, it is their business partner that offers the loan.

To start, you have to check your PayMaya app. From there, you will see a box that looks like an advertisement. It says Congratulations! You are qualified for a loan of 鈧2,000. It will say 鈧5,000 if you qualify for that amount.

  1. To start, tap on the Loan Now button. Once there, you have to tap the box that says Available for You. The loan amount varies. Some can loan 鈧2,000, and some can loan 鈧5,000.
  2. Now, this is where it gets interesting. The interest you pay depends on your credit score. While the typical interest rate is 0.08%, some people pay an interest of 0.30%.
  3. The number of loans you had before and whether you paid them on time have an impact on the money you can loan. On some occasions, you may have already loaned three times, and yet your limit is still 鈧2,000.
  4. Now, once you tap the Loan Now button, you will find the details of the loan. For a loan of 鈧2,000, there is a processing fee of 鈧120. As such, you will only receive 鈧1,880. Remember, you owe 鈧2,000, not 鈧1,880.
  5. Then, your term begins. You have to pay that 鈧2,000 within 14 days, plus interest of 0.30%. As mentioned earlier, the interest varies. Some may pay only 0.08%.
  6. In total, you have to pay 鈧2,084 in 14 days. You will also see this detail before you tap on a button that says 2Get Money”.

You need to scroll down to the bottom to agree with the terms and conditions. Once you tap that blue “Get Money” button, you will receive a one-time password. Enter that, and the system will deposit 鈧1,880 into your PayMaya account.

PayMaya Loan Advantages

Once you use the PayMaya loan, you get an affiliate link. You can send this link to friends. If they use PayMaya, you get 鈧50 in your account. Although this is an affiliate process, PayMaya calls it a referral program.

They also offer cash back. This cashback comes in the form of a discount. For example, if you buy phone air credit for 鈧700, you only pay 鈧650.

Lastly, you can apply for a PayMaya debit card once you upgrade your account. They will send you a VISA card, and you can withdraw money from an ATM. The amount of money you can withdraw is equivalent to the fund you have in your PayMaya account.

Apply now

Digido Reviews

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  • Marilyn Masalta
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  • Allan
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  • Fia
    Great app. Kinda low interest. Easy to apply, Fast and no hassle. Thank you Digido.
Rating (4.5/5) 21 voted. Rate us

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Written by: Sean Martin D. Plantado

Author pages:
Sean Martin Plantado is the head of Customer Care Dept. and Online Sales Dept. of Digido Finance Corp. creating articles, blogs, and other learning mediums that helps Filipinos struggling on their financial literacy. Sean also loves Cycling, Photography, Cinematography, Online gaming, Fine Arts, and dreams of becoming a Doctor of Veterinary Medicine.

Reviewed by: Rafael Hular

Author pages:
Rafael 鈥淩affy鈥 L. Hular is, the Finance and Accounting Manager. of Digido Finance Corp., monitoring and controlling the flow of cash that comes in and out of the company to meet the company鈥檚 business needs, preparing the financial reports and analysis of income and expenses, and monitoring tax compliance.聽 Raffy loves reading Japanese comics called manga and watching Japanese animated cartoon series. He dreams of establishing his own Accounting and Auditing Firm and teaching in a University.