- You can pay your bills in the Philippines either online or offline.
- It is best to have several payment options so that you can pay your bills on time.
- If you’re ever short of cash and can’t pay your bills, Robocash is your primary choice for online lending.
- It’s fast and secure, plus you have plenty of options to pay your loans on time.
Guide to Pay Your Bills in the Philippines
Paying bills is always a hassle. You have to stand in line, and this can sometimes take hours. And we are only talking about one bill. What if you have to pay several?
Is there a solution to this, like a faster way to pay? Today, we will show you several online bills payment in the Philippines that you can use. By the end of this tutorial, you should be able to choose which method you like. We encourage you to try several, as not all bills payment systems accept payment for all known establishments in the country.
The Best Ways to Pay Bills in the Philippines
In this section, let us take a look at the different methods for bills payment and create a guide pay bills. Some of these are online, some are not.
1. Bills Payment Centres
A bills payment service is an establishment. It has a physical location (for example in business centers), and it has tied up with financial services companies to be able to transmit your funds to your biller.
Here are some of the most common payment services:
This is a 24/7 convenience store spread out all over the country. You simply have to go there with your billing statement, and then tell the cashier that you want to pay. The cashier will take your payment, input something in the computer, and then give you a receipt.
This is a big mall that has lots of branches in the Philippines. There is a section in each mall, mostly in the Customer Service area, where you can pay bills. Just hand them over the bill and cash, and they will process your payment.
This is a pawnshop that has many branches and franchises in the country. Their primary business is to offer loans with your jewellery as collateral. You get bills payment here like you would in the establishments we mentioned earlier.
This is a company that has kiosks in business centers. Sometimes, you will find Bayad center in malls. Most Bayad Center businesses are seen inside malls. They also have a partnership with other businesses in the country like pawnshops.
SM Payment Centre
Like Robinsons, this is a big mall with a country-wide presence. The payment centre is also located in the Customer Service area.
Take note that many of these facilities do not accept bills payment if you are already overdue. As such, it is best that you pay bills before the due date.
2. Mobile Apps of Banks
The second method by which you can pay bills is through the mobile apps of banks. You can do the same from a browser if the bank has no app yet.
The beauty of this is that paying bills no matter where you are. For example, you can pay bills it while you are on vacation. The way it works is that the bank will take the funds from your savings or checking account. What this means is that you cannot get bills payments if your bank account does not have enough balance to cover the bill. Also, you only have to register your biller’s account number once. You do not have to type the numbers again.
To get started with this, you must have an online account with the bank for bills payment or credit card. This is the only hassle because some banks in the Philippines require you to appear in person before they activate your online account.
Banks also allow you to pay your bills through the machines. You can do this if you have an ATM card or credit cards. To do it, just insert your card and enter your PIN. Then, press on “Others,” and you will be presented with an option to pay your bills.
From there, you will choose your biller, input the amount of your bill, and the biller’s reference number for your account.
4. E-payment systems
The last on our list is e-payment systems. These are third-party companies where you integrate your funding source. They are like PayPal, but they work for Philippine companies only.
Here are the most popular e-payment systems in the country:
Owned by Globe Telecoms, this is one of the pioneers of cashless transactions for bills payment in the country.
This is an app where you can get bills payment and send money to another person. You can even pay someone to his or her GCash through your PayMaya account. It is easy to learn how paying bills online with this system.
This is primarily a trading platform for coins like Bitcoin and Ethereum, but they have added ways by which you can pay bills from the system.
An all-in-one platform where you can pay your bills online. They also have physical locations like Bayad Center. As of this time, they have more than 5,000 physical locations.
It is up to you to choose which of these systems you prefer. The best, of course, is an online payment system. With an app, you no longer have to go and queue. Even if they charge fees like ₱10, it is still worth it compared to paying for gasoline and wasting time.
Why is it important to pay your bills on time?
You have to get bills payment on time to prevent getting charged with late fees. This is especially so for credit card companies. If you pay your bills on time, you will also have peace of mind. Unpaid bills can stress you out.
The worst possible thing that can happen is that the service is cut-off. For example, if you do not pay your electric bill on time, they will cut off your power supply. If this happens, you can no longer pay your bills from any of these facilities. Instead, you have to go to the utility provider’s office, and pay your bill and late fee from there.
On top of that, you have to pay a reconnection fee. And even after you pay your reconnection fee, do not expect the company to reconnect your service right away. It can take days or even weeks.
How to prioritize your bills in the time of COVID-19
This time of the pandemic is crucial for everybody. There is just no legitimate reason for you to spend money on frivolous things. To be able to survive, you have to set your bills in order of priority to avoid debts.
First, you have to pay your rent. Second, pay your utilities. This is the proper order of bills payment. If you do not pay bills, you may get evicted – the last thing you want is not to have a place to stay.
You can buy extra time to pay your bills. But you can’t get away from them. Missing deadlines can affect your relationship with the invoice issuer and even ruin your credit rating. Remember that some payment centres send payments in real time and some payments take two to three working days. So remember to pay your bills at least three working days before the deadline so that the payment arrives on time and you avoid being late.
The main bills you have to pay in the Philippines
Water (for example Manila Water or Water Maynilad), electricity (for example electricity Meralco), food and accommodation are some of the things you cannot live without. Pay these important bills first and, if you can, pay them consistently.
- Electricity. These are companies like Electricity Meralco, Batelec, APEC, BENECO, Davao Light and others. Meralco has its own payment acceptance centre.
- Water. These are companies such as Manila Water, Laguna Water, Water Maynilad, San Jose Water District and others. This is also one of the most important priority payments for every Filipino.
- Landline and Mobile postpaid. Phone communication is one of the most important things for you and your loved ones. For example, BayanTel, PLDT, Globe, Smart, Sun, and Digitel among others.
- Internet. These are internet companies like Smart, Sun Broadband Wireless, Sky Cable. Most people depend on Internet availability in today’s world, which means it is also one of the priority accounts.
- Cable TV. Companies like Sky Affiliates, Cignal cable TV, CableLink.
- Government and insurance accounts and services. DFA, NBI, Pag-IBIG, POEA, PSA Helpline, etc. Many of these require regular contributions so that you do not lose out on benefits and opportunities or insurances.
How to get and pay a Robocash Loan
If you are ever short on cash, you can take a look at your credit cards or Robocash. It is an online facility where you can apply for a loan and get approved in as short as 24 hours.
Here are the benefits of applying for a loan at Robocash via internet:
- Fast – loan applications are processed as soon as possible. If you submit your documents, you may get approved for a loan in as short as 24 hours.
- Online – there is no need to go to a physical location; just apply online and attach your documents.
- Low-interest rates – pay low interest compared to that of banks.
Once you get approved for a loan, you will receive the money in internet. It can be transferred to a bank account of yours, or you can also choose from the other online payment systems listed on their site.
You must be a Filipino citizen between 21 and 70 to apply. Also, you must have proof of income and a mobile number. It is important that you pay your loan on time. Paying on time improves your credibility as a borrower, and Robocash may increase the amount of loan you can get next time.
To pay your Robocash loan, you must do it online. Here are different ways:
- Bayad Center;
- Unionbank online banking;
- Other banks with online bills payment.
You can also visit a Robocash payment centre or a physical location, for example Bayad center. If there is none in your area, you can go to Unionbank and pay in person.
For other online payments, you can use the systems of Coins.PH, GCash, and DragonPay. As you can see, Robocash not only makes it easy to get money, but it also makes it easy for you to pay your loan.
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