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PayMaya Review: Please Read Before Using The App or Getting The Card


I feel nervous. This is definitely a very bad feeling to get especially when we are talking about money.

Sabihin ko later kung bakit, later but first, a bit of a back story:

So currently, I have this sideline of teaching online ESL. The company pays me through PayPal. Ngayon, hirap talaga ako na mag encash from PayPal to BPI. Ok sana sya kasi Php50 lang ang bayad yun lang ang tagal before ko makuha ang pera. The last time, it took 2 days before nag-reflect. Not sure why. Anyway.

So I saw this on YouTube:



OMG! It was magic! Money was transferred literally in SECONDS from PayPal to Paymaya! I don't have to wait. I hushed the small voice inside my head that said. "Php 250 ang transfer fee nyan hoy!" In my mind, I have an option in case I have an EMERGENCY and needed to get the cash ASAP. 

Boy I was wrong!

Let me remind you first that my account is activated, I have the physical card, I had it activated and updated-- the works! and yet in my Day 1 of this PayPal to Paymaya experience I was seriously disappointed. I kept refreshing my browser. Inalis ko pa nga ang battery ko nilagay ulit, nag check ng wifi connection, nag restart ng restart pero walang transfer na naganap! Lo and behold the email from PayPal:

Fund transfer paypal to paymaya visa
x


3 days! omg. This is bad. Ang dami kong iniisip when I saw this: 

1. Shocks sayang yung Php 250 na binayad ko nag antay din pala ako.
2. God sayang yung effort. Me pa video call pa!
3. Bakit nga ba ako ulit nag PayMaya? sayang yung Php 150 ko sa card!
4. Sorry BPI kinatamaran ko pa kasi mag antay. :( feeling ko na Karma ako. 💔

OK, andyan na, wala na akong magagawa. In the meantime, In my search for answers, I saw this in PayPal Q&A:

 Q: I'm wondering why my transaction still on pending, i followed all the instructions correctly this is my 1st time to transfer funds on credit is this normal?


A: My guess is  PayPal still have not yet to process the transfer request or is still processing the request.  Paymaya is a app that provides virtual Visa cards with option to get plastic card not some major bank so I suspect PayPal is still deciding whether to process the transfer to this VVC.


HALA! Seriously? Then I saw these remarks:




 Mind you, these are not random rants If you look into their FB page you will see a lot of rants, like for every 100 rants may 1 rave..at mukang bayad pa nga si ate na nagrave. Most people are saying na naloko daw sila, may mga unauthorized na use ng card from a different country, and may nabasa pa ako na nag withdraw sa ATM then nag reflect na nabawasan ng money yung account, but sa machine walang pera na lumabas! OMG. Again, ang pera na inaantay ko is allocated for my son's tuition fee! naloko na! wag naman sana mangyari sa akin. Could you just imagine how I would feel reading this? 💀💀💀 Para akong binuhusan ng malamig na tubig.

Now these are experiences of other people ha, and while most people are ranting na from activating/upgrading the paymaya physical card pa lang, in fairness kay paymaya well, so far, everything went smoothly naman for me. Nakapag download ako ng app ng maayos...na activate ko agad....I purchased the PayMaya card online...got the card after 2 weeks... and nakapag load ng Php100 ng matiwasay sa SM, eto lang ang step na sablay eh. Ok ok so maybe it is PayPal's fault because hindi pa nila na rerelease sa PayMaya kasi baka paranoid din sila about security or whatever, but bakit hindi STANDARD ang service? Bakit ang daming reklamo? Kinakastigo ko nanaman ang sarili ko for not reading the reviews first before getting into this. I am sure PayMaya means well and wants convenience for it's clientele. Well, the intentions maybe good but to do good business di ba you have to be reliable, consistent and dependable? I should've read the rants sooner. wala ka din naman kasing makitang bad review dito sa PayMaya in blogs, lahat ng bad reviews is nasa FB page pa lang nila so here I am offering my honest opinion. In  my opinion, ayoko nang mag take ng chances sa hard earned cash ko. Ayoko ng feeling na nag aantay, kinakabahan, na seseenzoned. 😔Pag nawala ang perang na transfer ko sa ere, I have no one to blame but myself for trusting PayMaya.😟 Honestly, I feel scared hindi lang sa pag transfer ng money sa PayMaya pati na rin for using it in Agoda, to book flights or even in Lazada. Balita ko na pati sa online purchases nagkakaproblema. Madedeny ang transaction pero nababawasan ang pera. 

And another thing, I hope PayMaya will improve their customer service soon. I have this theory that they instructed the CSRs to answer every complaint in their comments section as soon as a post is seen, para lang sabihin na someone is working on it, they are looking into it,..... aysos 3 taon ako sa customer service....I know they do this para mag mukang may sense of urgency sila sa mga issues but if you notice, what they are really doing is toning down the issue by directing it to a private message para hindi mapahiya si PayMaya na wala silang ginagawa. pero baka wala talaga silang ginagawa. kunwari lang kasi puro seen lang. hay. kulang nga ata sila ng man power. I'm not sure why I wouldn't take it out on CSRs though. They are only as good as their protocols eh. Anung magagawa nila kung systema me problema?

I am really crossing my fingers my money will not get lost, I do not want to be another angry customer "decorating" their hideous comment section. 😩

Para sa mga nag coconsider mag PayMaya. I think now is the the right time. wait until they are more stable. #notnownation #guineapig

Comments

  1. Do you think they have improved their services?

    ReplyDelete
    Replies
    1. Sorry, since then Hindi ko na ginamit ang paymaya ko. Not sure if there is any improvement.

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    2. No improvement tang ina pinasukan ng pera yung isang cell number ko dahil nagkamali 4k diretso so ginawa ko pina verify upgrade ko suing my hudbands name ay after verification and upgrade sabi eh ok na wait for the text message then after noon BooM! ang account ACCESS DENIED , so ang peg naipit ang 4k been calling them dozen of times pero wala tng ina support team prti dndhilan pag ako nsbwisit ipapatulfo ko na to scam na ang nangyayari !! WAG KAYO MAG PAYMAYA!!

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    3. It's 2019 and still not improving. The rants are increasing.

      Delete
  2. Thank you for sharing this.... I was about to top up my account...but after reading.this.... maybe I have to think twice, or thrice perhaps.... I don't want to lose my hard-earned money.....thanks again

    ReplyDelete
    Replies
    1. In fairness it was not lost naman. But it was put on hold. Still, nakakairita and nakakakabang experience pa din.

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    2. sis anong balita sa money transfer. mo?? ? naayos naba?

      Delete
  3. Been using Paymaya for 2 years, and been using it to withdraw from Paypal but I haven't had any problems naman. Maybe because I have setup my Paymaya as a VERIFIED user first, an UPGRADED account, before I linked it with my Paypal. So far, ok naman sakin. in less than 5 seconds nakukuha ko na yung money sa Paymaya ko without any issues. Ang issue ko lang yung P250 na transfer fee. But I feel for you, kasi pangtuition yun ng anak mo eh. :(

    ReplyDelete
    Replies
    1. This comment has been removed by the author.

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    2. Good for you. I just wish the quality of their services are standard. If its a good experience for you, it should be a good experience for most customers if not all. They should be dependable. Hindi yung mag ririsk ka pa. Will paymaya work on me? Will it not? Again my account is verified as previously stated. The works nga e. But eto pa din na experience ko. So tsk. Nakakadala lang.

      Delete
    3. Putang Ina nyo paymaya ang kapal ng mukha nyo may pa komekomersyal pa kayo scam naman pala buti nalang 200 lang niload ko. Thanks sa mga reviews nyo at napatunayan ko na scam nga pala talaga to.

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    4. Paymaya costumer service siguro to . haha

      Delete
  4. I should have looked for review before trying it. Kairita tong app na to cant pay bills keeps on timing out.

    ReplyDelete
    Replies
    1. I was able to use the app with ease. Paypal to paymaya transfer ang problem for me. :(

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  5. thats very expensive 250 for every transaction

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  6. For me...wala nman akong problema sa PAYMAYA everything is ok..para sa akin napaka useful nya talaga..lahat ng bills ko loads na bibilhin ok nman. PAYMAYA ANG GINAGAMIT KO..minsan nga every month my binigaya sila na 200 or higit pa sa account ko walang hassle talaga SERVICE SATISFACTION..cguro dahil verified ako at upgraded yung account ko before i use it..tips ko lng bago mag transact ng online payment and link sa kahit ano like PAYPAL.be sure na VERIFIED YUNG ACCOUNT NYO PARA WALANG PROBLEMA AT HASSLE.. NA MARARANASAN..PAYMAYA IS A GREAT APPLICATION AND USEFUL

    ReplyDelete
    Replies
    1. Hello first time ko kasi ano pong gnawa nyo inupgrade nyo na po before kau mag lagay ng cash?

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    2. Kumusta na Rhea? Base on my reasearch 2 out 10 lang ang good review. Kakatakot pa rin. Actually kapopost ko pa lang ng problem ko.

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  7. hindi naman lahat kase nag wowork even though they get verified and updated ang account still happens to them. its the companys fault di sila nag secure ng sevices nila para di ma dissapoint yung customer nila. in that way mas maraming maeenganyo gumamit at di sila aalisan kahit pa mataas fee nila

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  8. Nagdeposit ako ng P16500 thru 711 pero di pumasok sa account ko dahil account limit reached. Sabi pa ng support team ng paymaya on the first day of September pa yun papasok sa account ko. Ngayon akala ko when the clock strikes 12am Sept 1, 2018 automatic na maload na yun sa account ko pero wala maghapon na akong nagaabang pero wala. Puro paasa...Kaya kayong mga gusto ng magkaroon ng paymaya kalimutan nyo na yan.

    ReplyDelete
  9. I've been using Paymaya for two years (1 year sa app and 1 year sa physical card) and so far once lang ako nagkaproblema pero hindi sa Paymaya. I was trying to buy a domain through Namecheap nang nag error. Hindi ko nabili ang domain pero kinaltasan ako ng namecheap. Kinontact ko kaagad ang support ng namecheap at sabi ng CS e inaayos daw ng accounting nila ang payments every 2 business days kaya magexpect ako na maibabalik ang fund. Exactly after 2 days, ibinalik sa Paymaya ko ang payment. Nong naibalik na ang fund, ibinili ko pa rin ng domain :)

    Ang complain ko lang talaga ay ang almost non-existent nila na customer support. Hindi ko maintindihan kung bakit sila ganito e financial institution sila dapat first and foremost ang customer support. So far wala pa naman akong nabalitaang nawalan talaga ng pondo dahil pag nangyari yon sa tingin ko nanjan naman ang NBI na pwede kang magfile ng reklamo, at DRI.... So dun sa mga nagrarant, naintindihan ko.. kalimitan nadedelay lang... Customer service nila walang pinagkaiba sa Lazada - bulok.....

    Kilala daw ang Pilipinas sa call center pero bakit ang mga local businesses eh bulok ang mga CS, hay naku.....

    ReplyDelete
  10. Bad trip, wrong instructions shown in the website ng Paymaya.. I lost my number, then sabi sa instructions Create new Account. (siempre pag mag create new number na yun) yun pala.. Hinde pala dapat mg create kc magdodoble ang account. Pero sabi sa Instructions mag create daw. dapat sinabi 'call Hotline first' ayan tuloy wala na kwenta bago ko number. Badtrip ka Paymaya!👎nkakawalang gana..

    ReplyDelete
  11. ng report n po aq, pls nman po paki nlng. bakit po b ang operator nyo magulo, gn2 po ngyare skin. nung dec.30 my ngpadala sakin ng 800php so tumawag aq s paymya hotline, ang sv limit n dw aq at antayin ko dw ang refresh buy january 3 para pumasok ang 800, ng antay aq hndi pumasok, ayaw nyo tanggapin ung resibo ko kc malabo. so pnalagpas ko un, to make sure n hndi n mngyare ulit un sakin, tumawag aq s paymaya hotline kahapon lng pra ask cla mgkano png pera pwede ko ipasok s paymaya ko ang sv nla 66,100 php p. tapos my ngpadala sakin today ng 1,600 hndi n nman pumasok. tumawag aq s paymya ang sv limit n dw aq. then tumawag ulit aq ang sv hndi p dw aq limit. tz my ngtx sakin paymaya sv limit n dw aq. anu b tlga paniniwalaan ko. 3 operator n nkausap ko today iba iba ng cnsv sakin, n limit n dw aq, hndi p dw aq limit. pg antayin n nman aq ng refresh ng limit ko s february para pumasok ang 1,600. same nung 800 n ng antay aq ng refresh gang ngaun hndi p nbabalik sakin, dame ko ng report senyo. nkita s system n my ngpadala skin nkaraang 800 pero hndi nyo bnbalik p s account ko ang pera. ngaun 1,600 nman hndi pumasok sakin. kasalanan ng operator kc sv 66,100 p rw pwede ko ipasok tz ngaun limit n agad

    ReplyDelete
  12. Now ko lang to nabasa sana pala dati ko pa to nabasa..mar.5.2019 nawalan ako ng pera sa paymaya ..pano?eto ang fb at messenger ko na hacked me nang hacked at ang tinira yung paymaya at gcash ko..nakalink si messenger ko sa paymaya so ang tendency kapag na hacked na yung messenger ko ndi ko na hawak yun..eto nangyari nalimas ang pera ko sa paymaya at it was transferred to another pay maya user...it was my 1st time na mangyari sa akin yung ganun.nireport ko kay paymaya then hiningian ako ng police report.blah blah..ginawa ko yun lahat inemail ko..kahi na 3675 lang yun malaki na yun para sa akin...till now walang reply si paymaya kung ibabalik ba nila yung pera ko..huhu..mar.19.2019 walabpa din balita

    ReplyDelete
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