Previously, I shared how my typical day looks like, which you can read about here: I’m always on the go that I normally just go to the mall for events. I honestly miss those days when I used to shop in the mall after school or office or spend my entire weekend in the mall to lounge. I barely have those days, which is why I normally do my shopping and bill payments online. I’m really thankful that we are now living in the digital world and that almost everything can be done with just a few clicks!

I’m quite sure most of you out there also have a hard time squeezing in some errands or shopping time in your daily schedule. Most Filipinos though do not experience the life-changing benefits of the digital services being offered today. As much as they want to do everything online, they’re not able to do so because they don’t own a credit card. Well, it’s time to end all those worries with my good news from Smart as it continuously aim to enable its subscribers to live a full digital lifestyle.

Recently, Smart Communications launched its partnership with PayMaya to provide a payment innovation that will bridge the gap for its uncarded millennial subscribers to complete their digital e-commerce journey.


What is Smart PayMaya?

Smart PayMaya is a mobile payment app that allows users to get an instant virtual prepaid Smart MasterCard that they can use for digital purchases.

How It Works?


By downloading the PayMaya app on their Android or iOS phones and registering with their Smart, TNT, or Sun mobile number, subscribers will be able to instantly get a virtual prepaid Smart MasterCard which they can load up at PayMaya load-up centers and use in more than 36 million merchants worldwide that accept MasterCard.

Users can load up their PayMaya accounts in any of the over 15,000 touchpoints nationwide, which include Smart Stores, SM Malls Business Centers, Robinson’s Department Stores, UnionBank ATMs, 7-Eleven stores with Cliqq Kiosks, TouchPay Kiosks, and Smart Padala Centers, on top of online banking via BDO and UnionBank.

With the PayMaya app, users will be able to instantly see a list of all their transactions and manage their usage. At the same time, they will receive timely SMS notifications each time they use their virtual prepaid Smart MasterCard anywhere.

Smart PayMaya Benefits


With their virtual prepaid Smart MasterCard, users will be able to:

  • Transact online and use digital services. With the instantly-generated 16-digit card number in their virtual MasterCard, users will be able to do online shopping and subscribe to their favorite digital services that require a credit, debit, or prepaid card as a payment option.
  • Get discounts on prepaid load packages. Users will be able to purchase prepaid credits and enjoy up to 10% discounts to load their own Smart prepaid numbers or send as gifts to family and friends.
  • Pay bills. Through the app, users will be able to pay their Smart, Sun, PLDT, Maynilad, Cignal, Meralco, and a host of other bills using credits they have loaded to their PayMaya account.
  • Get exclusive perks and discounts from Zalora, Jollibee, and many other big brands that will be announced in the coming weeks.
  • Transfer Funds

I can still remember the days when some of my friends could not purchase anything online because they do not own a credit card. Now, everything is possible! Thanks to Smart who empowers Filipinos everywhere with customer-focused digital innovations and who has always pioneered payment solutions through the years that allow subscribers to break barriers digitally.

shopping and paying my bills online while lounging by the beach


You can download the PayMaya app on Google Play or App Store. To know more about Smart Paymaya, you can watch this video or and for more details, visit the website

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