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As the Philippines’ leading end-to-end digital payments ecosystem enabler, PayMaya empowers over 41 million Filipinos with smooth financial services. Whether you’re curious about how to use PayMaya, how to send money from PayMaya to GCash, or how to link your PayMaya with PayPal and vice versa, we’ve got you covered. Also discover the simplest ways on how to load PayMaya and how to cash in and cash out PayMaya in this ultimate guide.

Opening a PayMaya Account

What’s in it with PayMaya, and why should you bother opening an account on it? For starters, if you haven’t noticed, almost everyone has resorted to the more convenient mode of online transactions. Even more so, with PayMaya, you can transfer money, pay bills, and get a virtual reloadable card. Moreover, you can also get a physical card that you can connect to your PayMaya app and use to pay in stores that accept credit and debit cards. You may also use this card to withdraw money from ATMs here and abroad.

Convincing, right? With that, here are the steps to opening a PayMaya account:

1. Download the PayMaya App.

You can get the PayMaya App for free from Google Playstore for Android devices or the App Store for iOS devices. Simply search for “PayMaya” and hit “Download.”

2. Tap Create Account.

After installing the app on your mobile device, open it and select “Create Account” to begin the registration process.

3. Fill out the sign-up form.

Complete the registration form by entering your first name, last name, mobile number, password, and email address. When you’re finished, tap “Continue.”

4. Read PayMaya’s Data Privacy Policy.

The next screen will display PayMaya’s Terms and Conditions and Privacy Policy. After reviewing and accepting these terms, click “Agree.”

5. Verify your mobile number.

A one-time PIN will be sent to the mobile number you provided via SMS. Enter the 6-digit PIN and tap “Proceed.” 

That’s it! You have successfully created your account. Now you’re ready to learn how to use your PayMaya.

Also Read: GUIDE: How to Verify Your GCash Account

How to Use PayMaya

As mentioned, there’s only so much one can use Paymaya for. The ways on how to use Paymaya are as follows:

How to Load in PayMaya

At Department Stores

1. Have your mobile number and a valid ID ready.
2. Request and fill out a transaction slip.
3. Submit the transaction slip, your ID, and cash at the counter.
4. You will receive an SMS confirmation on your registered mobile number.

Through Mobile Banking/BDO Online

1. Log in to internet banking.
2. Select ‘Financial Services’ > ‘Bill Payment’ > ‘Pay Bills.’
3. Choose PayMaya from the ‘Pay this Company/Biller’ list.
4. Enter your mobile number in the subscriber number field, provide your name, and click ‘Submit.’
5. A confirmation message will be sent.

How to load PayMaya at Touch Pay

1. Go to a Touch Pay kiosk, select E-Money, and choose ‘PayMaya.’
2. Enter your mobile number and the amount you want to load.
3. Insert cash and collect your receipt.
4. You will receive an SMS confirmation.

Union Bank ATM

1. Visit a Union Bank ATM and select ‘Union Bank Bills Payment.’
2. Choose the account and biller name.
3. Enter the reference number and the amount you wish to load.
4. Collect your transaction receipt.

How to cash in PayMaya

How can I cash in my PayMaya wallet? Well, here are multiple ways to do so:

Via an over-the-counter partner

1. Open the Maya app and tap Cash in
2. Choose your preferred over-the-counter partner (e.g., convenience store, mall, supermarket, or remittance center)
3. Enter the amount to cash in and tap Continue to receive your cash in code
4. Present your cash in code and pay at the counter
5. Wait for a confirmation that the amount has been credited to your Maya Wallet before leaving

Via a debit or credit card

1. Open the Maya app and tap Cash in
2. Tap Debit or credit card
3. Choose the card you want to use or tap Use new card if you haven’t saved a card yet
4. Choose an amount to cash in and enter your card details
5. Review your transaction details on the confirmation screen and tap Cash in now when you’re ready
6. Depending on your card, you may be asked to enter a One-time PIN (OTP) sent to the mobile number you registered with your bank
7. Wait for a confirmation that the amount has been credited to your Maya Wallet

How to cash in PayMaya via a linked bank account

1. Open the Maya app and tap Cash in
2. Tap Bank account
3. Choose one of your previously linked accounts or tap Select a bank to link a new one
4. Enter an amount and tap Continue
5. Log in to your bank account and select a fund source
6. Depending on your bank account, you may be asked to enter a One-time PIN (OTP) sent to the mobile number you registered with your bank
7. Wait for a confirmation that the amount has been credited to your Maya Wallet

Via Maya Savings

1. Open the Maya app and tap Cash in
2. Tap Maya Savings
3. Enter the amount to cash in and tap Continue
4. Review your transaction details on the confirmation screen and tap Transfer when you’re ready
5. On the confirmation screen, tap View receipt to view the transfer details or Finish to complete the transaction

Via a self-service kiosk

1. Open the Maya app and tap Cash in
2. Tap TouchPay, Pay&Go, or eTap depending on the kiosk you’re using
3. Enter the cash in amount and tap Continue to receive your 7-digit cash in code
4. Tap e-Money then choose Maya as the service on the kiosk screen
5. Enter your 7-digit cash in code along with the cash in amount
6. Insert your cash payment into the machine
7. For transactions with change, you will be issued a change-receipt PIN on your receipt
8. Follow the instructions printed on the receipt to know how to use your change on your next kiosk transaction

Also Read: GUIDE: How To Transfer From Lazada Wallet to GCash?

How to cash out from PayMaya

Here are the steps on how to cash out from PayMaya:

1. Request the 16-digit Maya Center number for cashing out. Tap “Send Money” in your Maya app.

2. Provide the 16-digit Maya Center number, enter the amount for cash out, and then tap “Continue.”

3. Double-check all details and tap “Send”. The fee is 1.5% of the send amount. Only upgraded Maya accounts may cash out money.

4. You will see the transaction confirmation once it is successful.

Money Transfer with PayMaya

Meanwhile, one of the most famous uses of PayMaya is using the application to send or transfer cash. With that, here are the methods on how to send money from paymaya to gcash, how to transfer money from gcash to paymaya, how to transfer paypal to paymaya, and vice versa.

How to transfer PayMaya to Gcash

To transfer money from your PayMaya account to a GCash account:

1. Log in to your PayMaya account on the mobile app.
2. Tap on “Bank Transfer” from the main menu.
3. Select GCash from the list of banks.
4. Enter the amount you want to send and the purpose of the transaction (e.g., payment or personal transfer).
5. Provide the recipient’s account details, including the account number or mobile number connected to the GCash account, as well as their first and last name.
6. Tap “Continue” to review the transaction details.
7. If everything is correct, tap “Send.”
8. Enter the one-time PIN sent via SMS to confirm the transfer.
9. Take note of the Reference ID provided for the transaction.

Also Read: GUIDE: How to Pay Spotify Using GCash

How to send money from Gcash to PayMaya

To transfer money from your GCash app to a Maya account, follow these steps:

1. Log in to the GCash app.
2. Tap on ‘Bank Transfer’.
3. Scroll down and select ‘PayMaya/Maya’.
4. Enter the amount, purpose of transfer, and the Maya account details (the Maya account number is a mobile phone number).
5. A P15 fee will be charged for each transaction, which will be deducted from your GCash wallet.
6. Review the transaction details and tap ‘Next’.
7. Check the summary of details before proceeding. If everything is correct, tap ‘Send Money’ to complete the transaction.

How to transfer Paypal to PayMaya

To transfer money from PayPal to PayMaya (Maya), you first need to link your PayPal account and your PayMaya card. You can use a physical PayMaya card or generate a virtual card instantly. Here’s how to link PayPal to PayMaya:

1. Log into PayPal online or in the app and go to Wallet.
2. Tap “Link a debit or credit card” and enter your PayMaya card details.
3. Confirm your PayMaya card if prompted.

Once your PayMaya card is linked to PayPal, you can transfer money. Here’s how:

1. Log into PayPal online or in the app.
2. Select “Transfer Money” and choose to transfer to your PayMaya account.
3. Enter the withdrawal amount and confirm the transfer.

Please note that a deposit to PayMaya can take up to 4 days to process. If your money has not arrived after that time, contact your bank for more information.

Frequently Asked Questions (FAQs)

1. How to make money with PayMaya?

You can make money with PayMaya through referrals.

2. Which is better, GCash or PayMaya?

3. What bank does PayMaya use?

PayMaya is under the Maya Bank, Inc.

4. How much money can you put in PayMaya?

Regular PayMaya accounts have a monthly Cash In limit of Php 50,000.00, while fully upgraded accounts can enjoy a limit of Php 100,000.00 per month.

5. How much is the fee in PayMaya?

You can cash in up to P8,000 monthly for free at specific over-the-counter locations, such as convenience stores, malls, supermarkets, and payment centers. Once you exceed this monthly limit, a convenience fee of 2% will be deducted from the cash-in amount.

6. What is the minimum balance in PayMaya?

No. You can deposit as little or as much as you want!

Final Thoughts

In conclusion, PayMaya offers a convenient and secure way to manage your finances, whether you’re sending money, paying bills, or shopping online. With easy steps to open an account, load funds, and cash in and out, PayMaya provides flexibility for your financial needs. Additionally, transferring money between PayMaya, GCash, and PayPal is simple and can be done in just a few taps. Take advantage of the various features PayMaya offers to make your financial transactions more convenient and efficient.

Sources: (1), (2), (3), (4)

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Keep Reading: GUIDE: How to Apply for Loan in PayMaya (Steps, Requirements, Process)