If you just received your first BPI credit card, there is no need to activate it manually on the app, by text, or whatever. Your card is pre-activated and ready to use.
If you already have an existing BPI Online account and you’ve provided the same registered email address during your BPI credit card application, BPI most likely added it to your account automatically. No need for manual activation, registration, or enrollment.
Unfortunately, enrolling a biller in BPI app is not possible as of the moment. If you already have a BPI Online account, you can do it on the BPI Online website instead. Just go to the Main Menu > Other Services > Manage Recipients > Add New Recipient.
Note that username and password for both BPI Online and app are the same.
Did BPI charge an amount with the “05SI service charge“ description to your account? Don’t know what it means? Read on!
Time to Update
I first wrote about this topic in 2016. Like some, I dunno what is it for. So, to get an answer, I called BPI.
Fast forward, today, May 30, 2020, I noticed that the same charge topped a list in Google Trends. I then checked my old post’s stats and saw that there are still some accessing it.
I thought it’s time to make an update. So, I created this separate post.
So, what is 05SI service charge?
IT is the sum of the fees for withdrawing cash via non-BPI ATMs. The current fee is 15 pesos per transaction.
So, let’s say, I have a BPI debit mastercard. Then, this May, I’ve withdrawn cash via a BDO ATM on two separate days. Therefore, BPI will charge me 30 pesos (15 x 2).
Based on my observation, BPI charges the fee real-time. However, after the cut-off, or once the system updates, they return the money. They will then charge the fee(s) again at once by the end of the month or whatever. Like this:
BPI charged me 15 peso 05SI this month. That is because I only had one cash withdrawal via a third-party ATM.
It’s the three digit code at the back of your card. It’s the usual information that you need to complete an online transaction. Say, you’re ordering something online, or you’ll use your card as a payment method for a subscription with a recurring payment.
To enable your BPI debit Mastercard for online transactions, just sign in to BPI Online. Next, go to the main menu > Others services > Card control.
Lastly, tap “Show card settings” under the card you want to use for online transaction. Then, use the E-commerce slider to turn the feature on or off.
BPI will send a one-time verification code to your registered phone number if you wish to use the feature.
It’s like this:
Unfortunately, as per BPI, you can’t use it for online transactions. So, no CVV.
It’s easy to call MERALCO using cellphone.
Just enter 16211, then press the dial button. The number format is the same if you contact them using a landline phone. No prefix or whatever.
The number should work on any cell phone.
You can call Meralco on any local network. However, please note that regular rates apply.
For example, Smart charges the standard rate of seven pesos and fifty cents per minute currently. So, make sure you have enough load. Say, you need assistance on a not-so-simple billing concern.
For other networks like Globe, please check their website for the updated rates.
Note that 16211 is dedicated for residential customer inquires. If you need assistance on your business account, please dial 16210. No prefix or whatever.
Both hotlines operates twenty four/seven.
Based on experience, it seems that Meralco has sufficient frontliners. For the past two instances that I called them up, there was no queue. They answered both calls immediately. If my memory serves me right, I called them in the afternoon. Some companies struggle with the volume of calls during business hours, but Meralco doesn’t.
Note that I haven’t tried calling them up these days. The Luzon-wide quarantine may have affected their call center operations. So again, make sure that you have enough load to contact them.
If your concern is not urgent, there are other channels to get in touch with them. For example, you can email them at customercare at meralco dat com dat ph. I typed it in that way to hide it from spambot. 🤣
Lastly, Meralco has an online knowledge-base. Alternately, they have social accounts where you can connect with them. Say, Messenger.
So, that’s how to call Meralco hotline using cellphone.
If you have any questions or suggestions, please comment down below. I’ll get back to you as soon as I can.
It’s been a long time since my last post related to BPI. Now, this’ gonna be the first time that I will write a guide about PayMaya. In this blog, I will guide anyone on how to load PayMaya using BPI online account.
Talking about first, I’m not using any financial accounts outside BPI. But then, PayMaya, an e-wallet app, came to my life. 😆 It’s because I needed a replacement to my credit card for online transactions.
I’d been transferring or adding money to PayMaya through my BPI online account. However, BPI hasn’t fixed the “This feature is temporarily unavailable” error yet. So, I dumped PayMaya for a few months, then went back to using my credit card.
Now, as in today, I reinstalled the app and I was amazed to see BPI as an option. So, after trying, I’m now ready to share the knowledge.
What do you need?
First things first, I wanna talk about the requirements, in order to load PayMaya using BPI online account, first, you need internet obviously. Secondly, the PayMaya app with an active account. Thirdly, an active BPI online account with funds from a savings account or what. And lastly, a phone bearing the phone number or SIM card registered to the BPI online account. Like any other online services nowadays, the following transaction that I’ll explain involves authorization using one-time PIN aka OTP. Okay?
How to load PayMaya using BPI online account
This will not take so much time to do. IMO. 😆
- Open your PayMaya app, then on the home screen, tap Add Money.
- Tap the very first option; Bank account.
- Tap the BPI logo.
- Type in the amount you would like to transfer or add to your PayMaya account. Then, hit Continue.
The minimum amount is 500 pesos. On the other hand, the maximum is 20,000 pesos.
- Check the amount, then tap Continue.
Based on the test I’ve conducted, there’s no transaction fee, transfer fee or load fee. Note that PayMaya or BPI may provide this service free-of-charge temporarily.
- Note that you will complete the next steps on BPI’s side. To start, sign in to your BPI online account. If you have a mobile app, enter the same login, then tap Accept.
- Select the source account or the account on which the system will take the money from. Tap Continue to proceed.
Note that credit card is not an option at the moment.
- Tap Send code to proceed with authorizing the transaction.
- Type in the six digit code that BPI sent to the phone number. Tap on Submit to complete the load transaction.
- If everything’s correct and working, you will see a confirmation like this:
- The PayMaya app will reflect the added money or fund real time.
So, that’s it! That’s how you load PayMaya using BPI online account. Hopefully, it helps. If not, feel free to rant in the comment section below. Cheers!
If SSS issued you one, first, you must verify that all information is accurate. To cash it, you have to check the issuer. Is it LANDBANK or PNB?
SSS may have partnered with another bank, so you must check the logo. Why? Correct me if I’m wrong, but you can only cash your funds from the issuing bank.
Make sure to bring valid IDs. You may ask your HR directly about the requirements, or the bank.
Now, you might ask how you can get your money from another bank. It is possible, but you have to deposit your check. Meaning, they will put the amount to your existing account. For example, savings (ATM card or whatever).
The drawback is you don’t have access to your funds immediately. The bank will add it to your balance, but you can’t use it until after the clearing process. It takes three business days.
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P.S. Should you need assistance, feel free to email me here. Make sure that your email address is valid if you want to hear from me. If you want, you can also inquire through the comments section below. You may also read the inquiries from other readers.
As online merchants are now supporting 3D Secure, many local banks are yet to support it, but BPI already does [though it took a while]. 😂
Not sure as to when it was exactly implemented, but if my memory serves me right, it was the time when they sent out an update to their clients about the One-Time Password feature which is eventually the 3D Secure thing.
What is It For?
3D Secure is a sort of a security feature deployed on a certain card brand which is used to authorize and authenticate a certain transaction, for example, MasterCard SecureCode which BPI implemented not only for credit cardholders, but for prepaid cardholders as well.
I thought it’s only for credit cards and I was surprised to find out that they have implemented it on prepaid cards as well.
Instead of “MasterCard SecureCode” or “Verified by VISA”, it appears that they rebranded or named it to One-Time Password.
For BPI cardholders, there’s no need to enroll.
Every eligible cardholder can take advantage of the feature without signing-up. Just need to update the email address or mobile number in an online banking account as much as possible. Those are the two details that a one-time and unique PIN or password used to authenticate an online transaction can be sent to. So, either should be working or accurate.
Aside from updating contact information in BPI Express Online [EOL], calling customer service at 89-100 is another option for both credit and prepaid cardholders. Last option is to fill out a certain form or whatever, then drop by to a BPI office.
One-Time Password feature is free-of-charge.
Is this possible? YES, it is!
Paying a PLDT bill using a credit card can be accomplished at home and it’s through internet.
There’s no uniform or specific website link to access since it varies depending on an account number. There’s a format, but I won’t rather give that since it’s subject to change anytime.
Actually, the payment portal can be accessed through the link provided in a printed bill. How?
Just scan the QR code which is in a bill’s first page with a smartphone’s, phablet’s, or tablet’s camera, then it should decipher the link embedded in it which is of the Pay Express Online portal. Note, for some devices, a third-party QR code scanner app may be required.
An internet connection is a must to make a payment online. Just scanning the code without visiting or opening the decoded link with a web browser won’t work.
The first page of the Pay Express online will show the total outstanding balance of an account which can be paid in full or partial.
The minimum payment required is 200 pesos. The total payment can be edited anytime at the space provided.
Tip: Not paying the full outstanding bill after the due date may lead to service interruption. PLDT is strict with arrears.
Debit cards are also accepted as long as it is a VISA or MasterCard. No AmEx or UnionPay option as of writing.
The third-party that processes the payment is PesoPay which I think also processes payment on Jollibee’s ordering site.
I didn’t hesitate to process my payment the first time through them because the site connection is secure starting from Pay Express Online.
The payment flow is same with other merchants. Just need to enter the card details, then submit it for processing.
The good news is PesoPay supports 3D Secure like MasterCard SecureCode where a unique PIN or password will be sent to the cardholder and should be entered manually to proceed with a transaction.
Another good news? ❤😂
Payment confirmation is real-time. I always get an SMS confirmation and the payment is usually posted the next day.
I shared in this post that PLDT posts payments even on a Saturday. Haven’t tried paying yet on a Friday, but it could be possible as well with CC payments.