Do You Use Payment Apps (Gcash or Paymaya)

[_Cathy_]

I am such a dinosaur. I've been buying almost everything online now and some sellers have the Gcash and Paymaya option but I don't know how to use it. I downloaded both apps but I am not sure how I can load money there (since I do not go out of the house)

I don't know why some people prefer Gcash? Is it because of the anonymity because you only give your mobile number?

[cast_no_shadow]

I am such a dinosaur. I've been buying almost everything online now and some sellers have the Gcash and Paymaya option but I don't know how to use it. I downloaded both apps but I am not sure how I can load money there (since I do not go out of the house)

I don't know why some people prefer Gcash? Is it because of the anonymity because you only give your mobile number?

Ako ayoko ng online banking. Still I chose to use Gcash, ang simple lang naman kase download the app and create account. You may or may not have your account verified.

Hindi ko lang talaga magawa mag link nung bank account like other users do. I feel they can dip anytime their hands sa account ko hehe and pag nagka issue i feel ang toxic nung dadaan ka sa requests, investigation bago magkaron reversals.

I just maintain na meron siya load usually 4K is max. Sanay lang ako mag cash in sa 7-11 meron kiosk enter your number then pay sa cashier.

Sa panahon ngayon na puros online ang transaction very convenient ito versus hahanap ka at pipila sa bank.


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[xwangbu]

i have my bank account linked with gcash.
me token verification naman pag magcash in.

ot. paypal ph and paypal are different pala. was trying to link my paypal US pero ayaw tanggapin ng gcash dati.

[oj88]

Think of them somewhat like a localized Paypal.

It will be more convenient to add a debit or credit card as the source of cash. Like Paypal, the service obfuscates the transaction so you don't need to give your credit card info to pay for something. But unlike Paypal, you need to have the necessary cash credits in your GCash or Paymaya account to be able to transact. (Paypal just gets the funds directly from your credit card at the point of transaction).

Without a credit/debit card, you can load it up by paying cash over the counter such as in 7-11, online banking, or remittance centers, among many others.

"Cashless" transactions among friends and relatives are also quicker. All you need is your phone.

[papi smith]

So this could now replace the debit card we buy from banks? Just enroll your paymaya or gcash account to your bank account and fund online whenever you need to buy something.

[Sarsi]

Not only for purchases online but also for payments of utility bills, governmemt bureaus and so much more.

I have 2 fully verified gcash accounts, 1 fully verified paymaya and 1 bayad center account.

These are all linked to my bank account. Paying all BIR, SSS, HDMF contributions of clients. Very convenient.

[jut703]

Plus Gcash earns interest of 4% per annum. Better than bank savings accounts. Only drawback is that insurance is only up to 100k vs 500k in PDIC banks.

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[StockEngine]

Gcash online sevices have been very bad this april and may.

[garfield_08]

Gcash user here. We pay most of our utilities via Gcash since its convenient and you don't need to queue on payment centers. Plus it reduces the risks of exposing your banking details when making online payments.

[cast_no_shadow]

GCASH

Lagi lang ako sa 7–11 cash in, max is 4,999 per cash in pero pwede mo naman ulit ulitin. If I will use my CC for cash in may limit din ba?


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[ice15]

(I'm not based sa PH)

Been using Google Pay since it's been released.

I only use my physical card when purchasing on-line.

Jollibee (outside PH) na lang ata and di tumatanggap ng NFC payments

[baludoy]

may fraud safety nets din ba ang gcash or pay maya tulad ng paypal? or will they refund kung may problema ang purchase sa mga online transactions?

w/c is better pala? g-cash or pay maya? kasi base sa experience ko mas madali kausap ang companies aligned kay smart/pldt kumpara kay globe.

[Mask Rider Blac]

GCash user din. Nag-register kami sa GCash mainly for tax payment purposes. Then eventually ginagamit na rin namin for utility payments, credit card payment, Lazada orders, topup Shopee wallet, etc.
Now may Paymaya na rin..mas maraming perks.

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[_Cathy_]

Ganito ba talaga gcash? Napaka intrusive? They need photo of ID, selfie and so much details?!?

Mas marami pang tanong than when I registered for online banking sa Unionbank e. Sa UB account number and atm pin lang. Sa Gcash daig ko pa nag open ng bank account. Bwiset

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[misseksaherada]

Ganito ba talaga gcash? Napaka intrusive? They need photo of ID, selfie and so much details?!?

Mas marami pang tanong than when I registered for online banking sa Unionbank e. Sa UB account number and atm pin lang. Sa Gcash daig ko pa nag open ng bank account. Bwiset

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Wala ako GCash, nadiscourage ako dun sa katrabaho ko na na-hack GCash nya.. nagbabawas daw paunti unti buti na lang hindi niya nalalagyan ng laman unless mag purchase sya..

[oj88]

Ganito ba talaga gcash? Napaka intrusive? They need photo of ID, selfie and so much details?!?

Mas marami pang tanong than when I registered for online banking sa Unionbank e. Sa UB account number and atm pin lang. Sa Gcash daig ko pa nag open ng bank account. Bwiset

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Instead of ranting, why not just try to look-up why that is so? Why do I need to get Verified? – GCash Help Center

It's purely voluntary and you don't have to be fully-verified if you think that the GCash features you'll ever need is already available for non- or partially-verified users.

[cast_no_shadow]

Instead of ranting, why not just try to look-up why that is so? Why do I need to get Verified? – GCash Help Center

It's purely voluntary and you don't have to be fully-verified if you think that the GCash features you'll ever need is already available for non- or partially-verified users.

Precisely


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[_Cathy_]

Instead of ranting, why not just try to look-up why that is so? Why do I need to get Verified? – GCash Help Center

It's purely voluntary and you don't have to be fully-verified if you think that the GCash features you'll ever need is already available for non- or partially-verified users.

Can't send money so it's practically useless if you don't get fully verified

I don't care what their reasons are, the fact is they have more requirements than actual banks

So if you're happy with gcash, well and good.

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[cast_no_shadow]

Can't send money unless you are fully verified.

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Semi verified will do



Send your selfie and you are done




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[_Cathy_]

Semi verified will do



Send your selfie and you are done




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NO. They still asked for selfie to be fully verified to send money

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