I'm starting to hate paying bills using the new BPI app. The app will send you one time pin for every payment as verification. It's a nice security feature but the arrival of the SMS takes a long time, minutes. At may pagka bobo pa yung resend pin nila. It will send a different pin so kung yung unang pin ang dumating invalid na. Hassle pag month end and paying a lot of bills. Ang tagal.