How to pay online for your digital goods?

Posted July 4, 2018

Digital payment is not a complex process contrary to what most people want you to believe. In fact, we want you to be the first of your social group to embrace the digital revolution by introducing you to the easy and pain-free world of digital payments.

Local banks in the Philippines have made it easier for you to transact and pay online. There has been a massive support from financial and tech institutions that transformed the e-commerce landscape and made it accessible for everyone.


How can it be beneficial for you?

Security: Your payments are trackable and traceable. When there is a problem, you can always report it to your bank or financial institution. If your seller offers refunds, you can easily claim back your money in a click of a button.

Comfort: Do your transactions anytime and anywhere you want. No need to queue physically and fill-up forms. It’s a hassle-free transaction!

Wide Range of Possibilities: With online payments, you are not limited to local shops. You can purchase goods and services from anywhere around the globe!


Most merchants accept payments through gateways like PayPal. You can link your credit card to your Paypal account, or directly pay using it with no registration required.

At this point, you may be saying to yourself that you do not own a credit card. If that is the case, then relax. Because here are the best alternatives to credit cards which you can use for your online shopping:



Prepaid Cards are the easiest and most convenient method you can avail of for your digital payment needs.

With Prepaid Cards, you do not need to own a savings account and it can be used immediately on the exact day you get hold of your card. We, Filipinos, are accustomed to prepaid loads and this works similar to those. You only need to top up your card with cash and whatever is loaded in it, that's the amount you can use to pay for your online purchases. There's no way for you to spend out of your budget!

Prepaid Cards closely resembles credit card transactions in which you type in your 16-digit card number, expiry date and your security code usually found at the back of your card.

Here are some of the popular ones available today:

BPI Prepaid Visa and Mastercard ePay

MetroBank’s YAZZ Visa Card

PSBANK Prepaid Mastercard

RCBC Prepaid Visa

For more information, you may also read this article from MoneyMax and BankBazaar.



Don't want to apply to banks? Then try PayMaya's virtual cards. PayMaya, or formerly SmartMoney, will not provide a physical card but it works exactly the same as Prepaid Cards.

Just download the App, sign-up and you’re good to go.

If you do a simple Google search, you will discover testimonies vouching for the simplicity and convenience that PayMaya offers.

Go find out more of them here. 




Finally, you may use a debit card to sign-up for a free Paypal account then send and receive money from it. The widely use service right now is Unionbank's EON card. With debit cards, you have to spend a few hours of your time to open up a bank account. But the efforts are surely rewarding.

If you have a BPI or BDO account already, make sure to keep yourself updated as their EMV Debit Cards will have the e-commerce options enabled soon. Check them out here: BPI MasterCard Debit and BDO MasterCard Debit.



Your digital journey begins here, have fun and keep it safe!

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