Paymaya card are prepaid cards, similar to debit cards, which means you can only use money that’s already in the PayMaya account balance.
You need to have money in your account balance for you to purchase online and in stores. They are not credit cards.
There are two types of PayMaya Cards: virtual card and physical card. Both are prepaid cards/debit cards.
- 1 Why Are My Paymaya Virtual Card And Physical Card Numbers Different?
- 2 How To Get a Virtual PayMaya Card
- 3 Can You Choose Mastercard or Visa For Your Virtual Card in Paymaya?
- 4 View PayMaya Virtual Card
- 5 Can I Use My Virtual Card For In-Store Purchases?
- 6 How Do I Withdraw Money From My PayMaya Virtual Card?
- 7 What To Do If My PayMaya Virtual Card is Blocked?
- 8 What Is PayMaya Physical Card?
- 9 How To Get PayMaya Physical Card Online
- 10 How to Link PayMaya Physical Card To PayMaya App
- 11 How To Withdraw From PayMaya Card Via ATM
Why Are My Paymaya Virtual Card And Physical Card Numbers Different?
The different card numbers allows each card to be used on its purpose, virtual card for online purchases and physical card for establishments.
The different card numbers also provides a layer of security.
How To Get a Virtual PayMaya Card
PayMaya offers a virtual prepaid card from Mastercard or Visa. You can get this virtual card when you login on the app.
After you initially registered in the app, access virtual card in “My Cards”. Follow the set-up by filling in the form and verification process.
You need to add money to the virtual card to start using it for online transactions. Load P100 to your PayMaya account and it will activate the virtual card.
Can You Choose Mastercard or Visa For Your Virtual Card in Paymaya?
Getting a Virtual Mastercard or Virtual Visa Card will depend on your registration.
As of this writing, their system based it on the mobile number and what cellular network it belongs. Here’s how Paymaya issues the type of virtual card:
- Mastercard Virtual Card – Issued to Smart, Talk n Text, Sun mobile numbers.
- Visa Virtual Card– Issued to Globe, TM and other non-Smart numbers.
View PayMaya Virtual Card
The PayMaya Virtual Card is built in and will be provided after you register and upgraded your account. To see your virtual card details:
- Tap “My Cards”
- Tap “Online Payment Card Number”
You’ll readily see a virtual card with your full name, card number, expiry date and CVV2/security code. The design or color of the Paymaya virtual card can change from time to time. It will be automatically generated based on your registration.
The details you’ll see like full name, card number, expiration and CV2 will be the ones you need to provide when you make online purchases.
Can I Use My Virtual Card For In-Store Purchases?
No, you can’t use the virtual card in establishments for in-store payments (like coffee shop, supermarkets, department stores, etc)
You can only use virtual card for online purchases and/or subscriptions.
You can use the PayMaya virtual card when you shop online in Shopee, Lazada, or Amazon. You can use the virtual cards when your order in Food Panda or Grab. You can also use this virtual card to pay subscriptions to Netflix or Spotify, or make game or in-app purchases.
If you want to use Paymaya in establishments, you should use a physical card instead.
How Do I Withdraw Money From My PayMaya Virtual Card?
There are several ways you can withdraw money from PayMaya Virtual Card. Take note that the money in your PayMaya account is the balance you have in the virtual card.
I found two ways to conveniently withdraw money from PayMaya:
Option (1) Transfer to a bank.
Transfer money from PayMaya to a bank where you have an account and ATM. For instance, if you have a BPI ATM, follow the process of transferring money from PayMaya to Bank.
As soon as the money is transferred to your bank’s ATM, you can now withdraw it. Take note that there will be transfer fees and process fees depending on the bank.
Option (2) Use PayMaya physical card.
Withdraw money from your physical PayMaya card via ATM.
If you got the Paymaya physical card and its already linked and activated (with PIN set-up) in the app, you can readily withdraw on any ATM with Mastercard or Visa logo, local and abroad.
What To Do If My PayMaya Virtual Card is Blocked?
The virtual card get blocked if you enter wrong card details or you enter unsuccessful attempts of the correct One Time Pin or OTP
If you can’t use the virtual card because it’s blocked, just contact PayMaya Support. You can call them at 632 8845 77 88.
You can also contact them at PayMaya Support: https://cares.paymaya.com/s/contactsupport
Also try sending them a message at PayMayaCares on Facebook:https://m.me/PayMayaCares
Activating the virtual card again usually takes 24 hours.
What Is PayMaya Physical Card?
Aside from the Paymaya virtual card, you can also get a Paymaya physical card. This is an external prepaid MasterCard or Visa card that you can use just like any debit card.
PayMaya’s physical card will be the one that you can use on your favorite stores, restaurants, and shops. It can be used on establishments locally and abroad where debit cards are accepted.
This PayMaya external card should be the one you should use in contactless payments in stores, which allows you just tap the card on the establishment’s contactless POS terminal for faster payments.
There are three types of physical card from Paymaya:
- Beep card – Pay by swiping card. It also comes as a Beep Wallet.
- EMV chip card – You enter 6-digit PIN when paying in stores.
- PayWave Card – You tap the card at PayWave enable shops
How To Get PayMaya Physical Card Online
You can get the physical card by by purchasing in business centers of malls. You can also order it online.
Option (1) Purchase card in a business center.
You can get the physical card in business centers and other partner establishments. Mostly it’s available in business centers in SM Malls, Ayala Malls, Robinsons Malls, among others.
Option (2) Purchase card in Paymaya Store (App).
You can access the PayMaya store in the app.
Tap “My Cards”, then at the bottom of the section, right below the line ‘Do more with PayMaya Card!’, tap “Get it Here”
Option (3) Purchase card in Official Paymaya store
You can also order from the Official Site of the PayMaya Online Store.
One PayMaya card costs ₱200. It also comes in packages of two, three, and five pieces.
If you order online, the delivery usually takes 5-7 business days within NCR. It could take 7-10 business days for those ordering from provinces.
Get the physical PayMaya Card by ordering from their official online store here: https://store.paymaya.com/
Important: As soon as you have the physical card, you have to link this external card to the PayMaya app. See the next section for a guide.
How to Link PayMaya Physical Card To PayMaya App
You have to link the physical card to the PayMaya app. This will sync the balance in the app to the external card.
After you link, this allows you to easily withdraw funds from PayMaya account through any ATM or used it to make payments in stores. PayMaya app also tracks all the transactions of the physical PayMaya card.
- Log in to PayMaya account.
- Click Menu icon in Android Smartphone or More on iPhone.
- Tap My Cards
- Tap Link PayMaya Card.
- Enter details from the physical PayMaya card.
- Type in a six-digit PIN.
Be sure to provide PIN that you can easily remember, but not necessarily in your personal profile.
You’ll use this PIN when you withdraw on ATM or when you make card payment on stores.
How To Withdraw From PayMaya Card Via ATM
If you want to withdraw money from PayMaya, you can do so through ATM in Philippines as well as International ATM’s with Mastercard and Visa Plus logo when you’re abroad.
There are ATM withdrawal charges and services fees based on banks. Here’s what you need to do to withdraw cash from your PayMaya account.
Keep in mind that the physical PayMaya card need to be linked to your PayMaya account.
This is where you will set up the 6 digit PIN you will use in ATMs.
To withdraw using physical card in an ATM:
- Insert PayMaya physical card.
- Choose “Savings”
- Enter physical card PIN
- Type desired amount to withdrawal
- Get your cash and receipt.