How To Create Paymaya Account

In this digital age, having a convenient and secure way to manage your finances is essential. Paymaya, a leading digital financial services provider in the Philippines, offers a seamless solution for online transactions. Creating a Paymaya account is quick and easy, allowing you to enjoy the benefits of cashless payments and other exciting features. In this article, we will guide you step by step on how to create a Paymaya account, add money to it, and use it for various transactions.

Benefits of having a Paymaya account

Before we delve into the account creation process, let’s explore the benefits of having a Paymaya account:

  1. Convenience: Paymaya eliminates the need to carry physical cash and cards. With just your mobile phone, you can make transactions anytime, anywhere.
  2. Security: Paymaya employs advanced security features, such as two-factor authentication and transaction notifications, to ensure the safety of your funds.
  3. Online shopping: You can use your Paymaya account to make purchases on various e-commerce platforms, providing a seamless and secure checkout process.
  4. Utility bill payments: Paymaya allows you to pay your bills, such as electricity, water, and internet, with just a few taps on your phone.
  5. Fund transfers: Sending money to family and friends is made easy with Paymaya. You can transfer funds instantly, avoiding the hassles of traditional remittance methods.

How to create a Paymaya account

Now let’s get into the steps to create your Paymaya account:

Step 1: Download the Paymaya app

First, you need to download the Paymaya app from the App Store (for iOS users) or Google Play Store (for Android users). Search for “Paymaya” in the respective app store and tap the “Install” button.

Step 2: Sign up for an account

Once the app is installed, open it and tap on the “Register” button to begin the account creation process. You will be prompted to provide your mobile number and create a password. Make sure to choose a strong password to ensure the security of your account.

Step 3: Provide the necessary information

After signing up, you will need to provide some personal information to complete your Paymaya account profile. This includes your full name, date of birth, and a valid email address. Make sure to input accurate details to avoid any issues in the verification process.

Step 4: Verify your account

To fully activate your Paymaya account, you need to undergo a verification process. There are two options for verification: Know Your Customer (KYC) and Non-KYC. KYC verification requires submitting valid identification documents, while Non-KYC verification has certain transaction limits.

Once your account is successfully verified, you can start using Paymaya for various financial transactions.

Adding money to your Paymaya account

To make the most out of your Paymaya account, you need to add funds to it. Paymaya offers multiple options for adding money:

Option 1: Linking a bank account

You can link your Paymaya account to your existing bank account for convenient fund transfers. This option allows you to transfer money from your bank account to your Paymaya wallet seamlessly.

Option 2: Cash-in through partner outlets

Paymaya has a wide network of partner outlets, including convenience stores and remittance centers, where you can add money to your account. Simply visit any of these outlets and inform the cashier that you want to cash in to your Paymaya account. Provide the necessary details and the amount you wish to add.

Option 3: Cash-in through online payment gateways

Another convenient option is to use online payment gateways to add money to your Paymaya account. Many online platforms allow you to transfer funds from your bank account or credit/debit card directly to your Paymaya wallet.

Using your Paymaya account

Now that you have a funded Paymaya account, let’s explore how you can use it for various transactions:

Making online purchases

With your Paymaya virtual card, you can easily make purchases on e-commerce platforms. Simply input your card details during the checkout process, and the amount will be deducted from your Paymaya account.

Paying bills and utilities

Gone are the days of standing in long queues to pay your bills. Paymaya allows you to pay your utility bills, such as electricity, water, and internet, directly from the app. Select the biller and enter the necessary details to complete the payment.

Transferring funds

Whether you need to send money to a family member or split expenses with friends, Paymaya enables hassle-free fund transfers. Enter the recipient’s details and the amount you want to transfer, and the funds will be instantly sent to their Paymaya account.

Withdrawing money

If you need physical cash, you can withdraw money from your Paymaya account using Paymaya’s physical card or through partner ATMs. Simply locate the nearest Paymaya partner ATM or visit a partner establishment to withdraw your funds.

Paymaya security features

Paymaya prioritizes the security of your financial transactions. Here are some key security features:

Two-factor authentication

Paymaya implements two-factor authentication, adding an extra layer of security to your account. This requires you to input a One-Time Password (OTP) sent to your registered mobile number for certain transactions.

Card lock feature

In case you misplace your Paymaya card or suspect unauthorized access, you can lock your virtual card temporarily. This prevents any unauthorized transactions until you unlock it.

Transaction notifications

Paymaya sends real-time transaction notifications to keep you updated on any activity in your account. If you notice any suspicious transactions, you can immediately report them to Paymaya customer support.

Paymaya Rewards Program

As a Paymaya account holder, you can also benefit from the Paymaya Rewards Program. Here’s how it works:

Earning points

Whenever you use your Paymaya account for transactions, you earn points. These points can be accumulated and redeemed for various rewards and discounts.

Redeeming rewards

Paymaya offers a wide range of rewards, including discounts on partner merchants, cashbacks, and exclusive offers. Check the Paymaya app for the available rewards and redeem them accordingly.

Paymaya app features and functionality

The Paymaya app is packed with features and functionalities that enhance your digital financial experience. Here are some notable features:

Virtual card

Your Paymaya account comes with a virtual card, which you can use for online purchases. The virtual card details are accessible through the app, making it convenient for online transactions.

Paymaya Scan feature

The Paymaya Scan feature allows you to make payments by scanning QR codes. Many merchants accept Paymaya QR payments, providing a quick and contactless payment option.

Paymaya QR code payments

If you’re a merchant, Paymaya offers QR code payment solutions for your business. Accept Paymaya payments by generating your unique QR code, simplifying transactions for your customers.

Split bill feature

When dining out or sharing expenses with friends, the Paymaya app’s Split Bill feature comes in handy. Easily split bills and request payments from your friends within the app.

Paymaya customer support

Paymaya provides reliable customer support to address any concerns or inquiries you may have. Here’s how you can reach them:

  • Phone: Call Paymaya’s customer support hotline at [Phone Number] for immediate assistance.
  • Email: Send an email to [Email Address] for any non-urgent inquiries or concerns.
  • FAQs: Paymaya’s website has a comprehensive FAQ section where you can find answers to commonly asked questions.


How long does it take to create a Paymaya account?

Creating a Paymaya account typically takes only a few minutes. However, the verification process may take additional time, depending on the chosen verification method.

Can I use Paymaya internationally?

Yes, you can use Paymaya for international transactions. However, additional fees may apply, such as foreign exchange fees or transaction charges imposed by the merchant.

Is Paymaya safe to use for online transactions?

Paymaya prioritizes the security of your financial transactions. With advanced security features like two-factor authentication and transaction notifications, Paymaya ensures a safe and secure digital financial experience.

Can I link multiple bank accounts to my Paymaya account?

Currently, Paymaya allows linking only one bank account to your Paymaya wallet. You can choose the bank account that is most convenient for you.

How do I reset my Paymaya PIN?

To reset your Paymaya PIN, open the Paymaya app, go to Settings, and select “Reset PIN.” You will be prompted to verify your identity and create a new PIN for your account.


Creating a Paymaya account opens up a world of convenient and secure financial transactions. With the ability to make online purchases, pay bills, transfer funds, and enjoy various rewards, Paymaya revolutionizes the way you manage your money. Follow the simple steps outlined in this article to create your Paymaya account today and experience the ease and benefits of cashless transactions.

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