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Every working adult in the Philippines must have experienced long lines when paying for government transactions. However, thanks to technological advancements, payments done in the comfort of your home are now possible, including SSS contribution payments, and here’s how to do it!

SSS Personal Reference Number

Before choosing the most convenient payment option, let’s learn about the SSS PRN. 

PRN or Personal Reference Number is a unique number code given to each member whenever they pay their contribution.

The PRN is a requirement set forth by the SSS as a part of its Real-Time Processing of Contributions (RTPC) program. The program ensures that its members’ payments are quickly posted to their records and enables members to access SSS benefits immediately.

Therefore, all contribution payments made outside the jurisdiction of SSS require a PRN. These PRN can be obtained using the SSS mobile application or automatically sent by the SSS office every month, which is also the amount of time that these PRNs are valid. 

SSS Payment Transaction Options

SSS Offices

Most SSS offices accept and process payments, concerns, registration, and many other SSS-related services. This was, and still is, the most common way of paying your contribution fees. The main advantage of paying using this method is you can ask questions regarding your account when doing a transaction.

Moreover, many Filipino citizens still lack the means to pay online and are confused and distrustful of using other payment methods. This is also due to the stigma that people far from the cities are often scammed by introducing new practices and technologies.

Bayad Centers

If you’re not updated about the latest trends, most government agencies have relocated their offices near shopping centers and malls. In addition to these offices are the Bayad Centers, which accept bill payments ranging from utility bills to government transactions.

These Bayad Centers are often located in convenience stores, mini-marts, and other places, such as pawn shops and remittance centers. However, Bayad Centers charge a convenience fee which is often Php 15 or a percentage of the bill paid.

Over-The-Counter (OTC) Payments

This form of payment is available on select partners such as Robinsons and SM malls. OTC payments are similar to paying in SSS offices with the addition of a convenience charge.

Moreover, inquiry about your account’s status is limited, and there are also times when their system is offline. In addition to malls, there are also partner banks that accept SSS payments. These banks are the following:

• Wealth Bank*
• United Coconut Planters Bank (UCPB)
• Union Bank of the Philippines* (UBP)
• Rural Bank of Lanuza*
• PNB Savings Bank*
• Philippine Business Bank (PBB)
• Partner Rural Bank
• First Isabela Cooperative Bank (FICO Bank)
• Bank One Savings Bank
• Bank of Commerce* (BOC)
• Asia United Bank* (AUB)

(Note: Banks with an asterisk (*) on their names also accept other payments, such as PESO funds and loans.)

Online Payments Using E-wallets

E-wallets have been viral in the Philippines since their convenience allows people to own a pseudo-credit card without owning one. The two most prominent E-wallets in the Philippines are Gcash and Maya (formerly Paymaya), which offer bills payment, including SSS contributions.

How to Pay SSS Contribution Using Gcash

Bill payment in Gcash doesn’t require verification. All you need to pay your SSS contribution is your PRN and money in your Gcash account. Here’s a step-by-step guide on how to do it.

• STEP 1: Click on Bills on your GCash homepage, 
• STEP 2: Click on Government in the given categories.
• STEP 3: Scroll down and click on SSS CONTRIBUTION
• STEP 4: Select PRN as the account type
• STEP 5: Type in the space provided your Payment Reference Number (PRN)
• STEP 6: Input the amount of contribution to be paid.
• STEP 7: Choose your payor type, which can be voluntary, OFW or employed
• STEP 8: Input your email address
• STEP 9: Once all the fields are filled in, click Next
• STEP 10: Review your payment details, then click Confirm
• STEP 11: You’ll receive an in-app receipt, an SMS, and an Email confirming a successful transaction.

How to Pay SSS Contribution Using The Maya (Paymaya) App?

Maya is one of the Philippines’ leading E-wallet service providers. They also provide other services, such as bill payment, including paying your SSS contribution. Here’s a short guide on how to pay your SSS contribution using the Maya App.

• STEP 1: Click on Bills on your Maya homepage, 
• STEP 2: Click on the Government icon to proceed.
• STEP 3: Scroll down and click on SSS CONTRIBUTION
• STEP 4: Type in the space provided your Payment Reference Number (PRN)
• STEP 5: Select PRN as the account type
• STEP 6: Input the amount of contribution to be paid.
• STEP 7: Choose your payor type, which can be voluntary, OFW or employed
• STEP 8: Write your name and email address in the last two fields.
• STEP 9: Once all the fields are filled in, click Pay
• STEP 10: Review your payment details, then click Confirm
• STEP 11: You’ll receive an in-app receipt, an SMS, and an Email confirming a successful transaction.

Closing Remarks

With many payment options available, late payments and penalties are less likely to occur. In addition, you get to avoid the long waiting lines just to pay for your SSS contribution! –WhatALife!/Vaughn

Sources: (1),(2),(3),(4),(5)

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Also read: GUIDE: SSS Contribution Table 2023