How to Load Paymaya via BDO Online Banking

Updated March 5, 2019

Now there are 2 ways to load Paymaya via BDO online banking.

  1. Use Bills Payment

This is Free, but the actual credit to Paymaya happens after 2 hours

and you can load only up to 5,000 pesos per day

and if you load on Saturdays, Sundays, holidays and from 10pm to 9am,

the actual credit will take 24 to 48 hours.

Minimum load is 500 pesos.

       2. Use Send Money

This has a service charge of 100 pesos, but the credit to Paymaya is INSTANT

and you can load up to 50,000 per day

and you can load anyday, anytime, 24/7.

Minimum load is 100 pesos.

You will use Instapay. Choose your destination bank with the words via Instapay.

If you need Paymaya credits quickly, and you like to use BDO’s Free Bills Payment system, do not load after 10 pm and before 9 am and on Saturdays, Sundays and holidays.

Go instead to:
Bayad Center  (Robinsons and Landmark Customer Services, Festival Mall, Vista Alabang have Bayad Center outlets)

For big amounts, I load at the Business Center/Customer Service of Robinsons Festival Mall. Whenever I go there, it’s always available. Some Bayad Center outlets do not offer Paymaya loading.

SM Business Center inside SM Department Store
Smart stores
Cebuana Lhuillier
Palawan Pawnshop
Wellcome Supermarket
Global Access
Gaisano Capital
Smart Padala outlet (Pay 0.5% charge)
Smart Money
Union Bank (atm, ebanking, Internet banking)
TouchPay machine

Thanks a lot Ric Rojas IV and Tapeyman for updating us here about BDO reloading!

Update on June 21, 2018:
1 hour and 22 minutes!
I transferred 4,000 pesos from my BDO account to my Paymaya today using BDO mobile banking
and the money was credited to my Paymaya account after just 1 hour and 22 minutes!
I used this amount to pay our Meralco bill.
Why do I use Paymaya to pay my bills? To get rebates.


This is how to load Paymaya via BDO online banking, using BILLS PAYMENT.

It’s easy. No need to pre-enroll PayMaya.
No need to enter your Paymaya account no.
Remember to use your registered mobile phone number as your Subscriber Number.
NOT your Paymaya account no.  Use this format: 639xxxxxxxxx

If you’re using your PC or laptop, here are the steps:

1.  Log in to your BDO online banking.
Type in your OTP.
2.  Choose “Financial Services”
3.  Click “Bills Payment”
4.  Click “Pay Bills”
5.  Click “Pay this Company/Biller”
7.  Enter amount.
8.  For Subscriber No., enter your mobile number in this format:
9.  For Subscribe Name, enter your name
10.  Click Submit
11.  Enter OTP if you’re using online banking.

Wait for your load to be credited to your PayMaya within 2 hours.
I’ve loaded my PayMaya using BDO online banking several times and the load was credited within 2 hours.

If you load between 10 pm and 9 am, your load will be credited within 48 hours.
If you load on a weekend or a holiday, your load will be credited on the next working day.

You will know when your money is loaded to PayMaya because you will receive a text from PayMaya. Your balance amount will also be texted.

BDO will also email you the details of your PayMaya bills payment.

When you Load PayMaya via your BDO mobile banking, using BILLS PAYMENT, it’s even easier.

1.  Click your BDO app
2.  Login
3.  Choose on top right.
4.  Choose “Bills Payment”
5.  Choose “Pay Bills using Deposit Account”
6.  Choose “Pay from”
7.  Choose your account
8.  Choose “Pay This Company/Biller”
9.  Choose “Billers not requiring enrollment”
10.  Scroll down. Choose “PAYMAYA/SMART PAYMAYA”
11.  Type amount, then Next
12.  Type any remarks, then Next
13.  Type Subscriber Name, then Next
14.  Type  Subscriber Number — your mobile phone number 639xxxxxxxxx, then Done
15.  Check what you typed then choose Continue
16.  Check again details then choose Continue

Wait for your money to be loaded to your PayMaya.
PayMaya will send you a text when your money is loaded to your PayMaya,
including your balance amount.

Note: You also have an option to Pay Bills using your BDO Credit Card.


Is there a MAXIMUM LIMIT for Loading PAYMAYA using BDO Online and Mobile Banking?
Yes, you can load only up to 5,000 pesos per day, if you use BILLS PAYMENT.

You can load up to 50,000 pesos per day, if you use SEND MONEY.


Add a Comment
  1. This is really helpful. I just installed paymaya and bought load through my BDO mobile app. Thanks a lot!

    1. Thank you very much for appreciating my post. Makes me happy.

    2. any update? i just opened an account at BDO for ease of access since 7-11 stores are far from my place of work….didn't see this earlier

  2. Mam how much is the service fee if you load your paymaya account via bdo mobile banking?

  3. is it true na under maintenance ang bdo ngayon?

  4. Hindi na available wala ng paymaya sa option

  5. Hindi na available wala ng paymaya sa option

  6. Ditto. Wala rin sa dropdown list ko.

  7. It used to be there; PAYMAYA/SMART PAYMAYA. I used these same instructions last month. Biglang nawala 🙁

  8. why i cant find paymaya on tbe list?

  9. Loading PayMaya through BDO online banking: Sorry, wala na ngang PayMaya sa merchant list ng BDO online banking. Siguro nagsawa yong BDO or PayMaya sa kaka-receive ng complaints ng mga hindi transferred na money on time, so naghiwalay na sila. I hope temporary lang.
    Hassle na nga ngayon kasi wala na akong way to load online.

  10. Wala na mga sa billers list, convenient pa nmn di kana lalabas ng bahay para magpaload.

    1. That's right, Fox. I hope they'll be able to restore it by June 8, as they promised.

  11. how much po service fee sa bdo for every transaction with paymaya?

    1. Hi shapushnnon: There's no service fee to transfer money from your BDO account to your PayMaya via BDO's Pay Bills online service. But this service is temporarily off due to maintenance. Try on June 8.

  12. Nice blog.. kaya pala hanap ako ng hanap sa wala.hehehe… pero masmaganda siguro kung 711 kasi sa BDO online 2hrs pa bago pumasok niload mo

    1. Thanks a lot, ren: Oo nga, 7-11 na lang kung kelangan na ang PayMaya.

  13. Wala pa rin po akong nakikita 🙁

    1. Wala pa rin pala. Hindi pa rin nila naayos. Let's check bukas.

    1. Hi Mark: Oo nga, wala pa. Yong Smart Communications, PLDT at Meralco eh lagi namang andon. Ewan itong PayMaya na hindi nila ma-solve. Baka kasi dahil free itong money transfer na ito, at hindi naman talaga bills payment, so they need to negotiate a lower-priced service fee from BDO.

  14. I meant na walang charge sa atin yong BDO to PayMaya

  15. Thank you for this post Ms. Nora! 🙂 it is my first time in the world of online banking kaka enroll lang ng bdo ko tapos magloload ako sa paymaya akala ko may mali ako nagawa kasi hindi ko makita baka kako nagiba ng name paulit ulit ko ginawa na hanapin yung paymaya pero wala talaga buti nagsearch ako at nakita ko itong post mo at least now i know na wala na pala talaga yung paymaya, sana ibalik kasi first time kong itatry hehehe.

    1. Hi Jennifer: Thanks for appreciating my blog. Means a lot. It's nice you now have online banking. Yes, we hope that the BDO-PayMaya transfer service is restored very soon.

  16. Wala pa rin ang PayMaya pati Smart, PLDT at Meralco. What happen!??

  17. Hi maynard: Ako rin noong una. I can't find them. Pero nasa under Enrollment Services pala sila. Choose Enrollment Services, then Enroll Company/Biller, and go on from there.

  18. Still can't find Paymaya 🙁 Sayang mukhang madali lang sana magtransfer from BDO to Paymaya

  19. i sent them a message yesterday, here is their reply:

    Sorry for the inconvenience that this may have caused you. We really want to make your PayMaya experience much better. We are working with our partners to improve our services even further. Right now, the BDO online reloading is temporarily unavailable and we don't have definite time when will it be back. Don't worry, we will provide notice once it's available.

  20. I just want to ask you when will paymaya be back as company biler in BDO so I can reload my paymaya account. I have important transactions online.?

  21. pag sa 7/11 hangang 10,000 lang ang allowed ng CLIQ (kiosk) meaning kung me bibilhin ka online ng $300 eh mga 4-5 na beses kang magpapaload hanggang $300.

    BDO Online is still better IMHO

  22. Wala pa rin sa list ng company biller ang paymaya…

    1. Meron na po ngaun. As of july 1

  23. I just read read this today, nsg-open p nmb ako ng bdo because of this feature, may pag-asa bumalik?

  24. Sad life. Walang paymaya. UMASA pa naman ako 101%. Hays 🙁

  25. kelan kaya babalik?? ang hassle kase e. kaya nga may paymaya para convenient and without bdo this is no convenience

  26. I paid tru bdo now….kanina ko po niloadan paymaya ko around 4pm untill now wala pa dn.

  27. Paymaya listed na sa bdo paybills

  28. Really? Pls have a screenshot.. salamat po.

  29. Nakapag transfer ako once from BDO to Paymaya last Sep 17, 2017, tapos ngayon wala na si paymaya sa list ni BDO 🙁

  30. hanggang ngayon wala pa din si paymaya sa bdo list ko

  31. meron yan nakaraang week ngayon wala na naman

  32. Oct 2 wala nang PayMaya sa BDO . Tsk . Sayang

  33. PayMaya is not on the pay bills again… T.T

  34. What happen to paymaya as a company biller in BDO? Again, it disappear from BDO list. When will it be back?

  35. Hoping it will be back much convenient…

  36. Wala up to now, ive tried many times but in vain..

  37. No paymaya until now
    Nov. 6, 2017 :'(

  38. Wala paymaya bdo bills payment. Kung wala tanggalin na options. Paasa e!

  39. Your request (501744) has been updated. To add additional comments, reply to this email.


    We understand how important it is for you to use BDO as your medium to load up your PayMaya account. Don’t worry, top up from BDO will be online on November 21, 2017, and it will bring new features along with improved availability. Rest assured that our main goal is to provide a better service to our valued customers like you. You can top-up your PayMaya thru selected reloading stations below:

    • Robinsons Business Center (located inside Robinsons Dept Store)
    • SM Business Center Offices
    • 7/11 outlets (in Cliqq kiosks)
    • TouchPay Kiosks
    o Smart Tower
    o Selected Mini Stop outlets (selected branches)
    o Other selected sites
    • Bayad Center outlets (selected branches)
    • Select Smart Stores
    • Union Bank
    o ATMs
    o Mobile App
    o Online Banking Site (Union Bank)
    • BDO Online (will be available November 21, 2017)
    • 2GO branches
    • Ministop Convenience Stores
    • Shopwise and Wellcome Grocery Stores
    • Raquel Pawnshop Stores
    • Family Mart Stores

    To know more, visit this link: Thank you!

    Best regards,
    PayMaya Support

    1. hope matapos nego nila

    2. No paymaya until now in BDO,
      what happen?

  40. Greenbox Capital is your access to working capital now. Get approved for up to $250,000 cash. New businesses in operation at least 6 months with minimum $7,500 average monthly revenue over each of the past 3 months can qualify. Low credit scores, liens and bankruptcy OK. SBA loams

  41. Wala pa rin

  42. Oo nga wala pa rin: : Hindi sila makapag-agree sa cost palagay ko. Sana PayMaya tries BPI too.

  43. Hahaizt no PayMaya parin in BDO. Excited pa naman sana ako 🙁
    Gumawa lng aq ng Paymaya dahil may BDO Account aq. Anyways, thank you for the post maam Nora.

    As of Dec 12, 2017, may instructions parin ang PayMaya na pwede mag load sa BDO — sana tinanggal na nila ang option ma iyon. Misleading kasi.

  44. Wala pa rin sa list of company billers. 2018 na!

    1. Oo nga, wala pa. Palagay ko hindi na sila magkakaayos, so dapat maghanap sila ng paraan para meron tayo ng way online to fund PayMaya.
      In the meantime, if you're near a Bayad Center, mag-fund kayo through Bayad Center, madali naman and it's free. Within 5 minutes, make-credit yong amount sa PayMaya nio.

    1. Hi Ric: Thank you very much for updating. It's great that it's back!

    1. Hi Tapeyman: Thanks a lot for updating. I'm happy it's back!

  45. hi bumalik na nga daw. but bakit wala parin ako nakukuha

    1. pinatrasfer ko yung amount to my customer kanina using bdo transfer, it was successful to her, but almost 7 hours na wala parin sa paymaya account ko.

    2. kanina nagpatransfer ako ng amount sa customer ko using bdo transfer, 5 hours na diparin lumalabas sa paymaya account ko. why kaya?

    3. Hi Carizza: Nag-a-adjust pa siguro yong system nila. Pero I hope na-credit na sa Paymaya mo.

    4. Nakuha muna ba ung amount pumasok na ba sa paymaya mo?sakin kasi wala pa eh 7pm ko lang naman ako nagtransfer until now the following day wala pa din

  46. Why i cant login in my PayMaya now? Down ba ang PayMaya?

  47. Hi Samanoden: Okay na sa yo? This 9pm, naka-login naman ako.

  48. Hello Nora. Thank you for creating this thread. I would like to ask how much is the charge to withdraw money using the paymaya card in any ATM's?

  49. Atm withdrawal fee for Paymaya cards: It's 15 pesos per withdrawal. If it can be avoided, avoid withdrawing, just use your Paymaya for buying online, paying bills, loading phones or sending money, so that you'll avoid withdrawal fees. Thanks for appreciating my blogpost.

    1. Mam may delayed ba talaga pag bdo online ang gagamitin ko pagreload ng paymaya account ko?kagabi pa un 7pm nireload wala pa din

  50. Pede magtanong mern ba ngayon problema ang pagreload using bdo online sa paymaya natin ? din kasi kagabi pa nireload paymaya account until now wala pa

  51. Paymaya reload through BDO: Hi Hachiko and others, Sorry baka Monday na ma-load yong mga Paymaya loads nio kasi gabi at pa-weekend na ninyo na-load. Sabi ng BDO na loads during weekends will be credited the next working day. I-bold ko nga yong info above about it.

  52. Hi po. Nagreload po ako thru BDO online kagabi, received the successful transaction notif email from BDO real time. Then nakareceive ako ng txt from paymaya na failed transaction siya the next morning. Checked Paymaya app, nag appear na na receive pero nireverse ng paymaya after a minute, so offset. Pero di naman siya bumalik sa BDO account ko. The last time po na nagload ako frm BDO, I received it real time tho sabi sa notif, failed daw but walang nagreflect sa paymaya transaction history tho asa balance siya. Then after a few days, nagkaron ulit ako ng same amout from BDO kahit di ako nagload ulit, reflected sya as miscellaneous credit. 2x ako nabawasan sa BDO with same amount tho nareceive ko lahat magkaibang time lang. But this time is weird, kasi ng appear na nireverse siya sa Paymaya. Enlighten me please.

  53. Thank you for creating this Thread! I have learned so much by reading though the topics posted here. I am new to Pay Maya so this greatly helps me and let's me weigh whether to use BDO online for loading Paymaya or not 🙂

    1. Thanks, Charlie , for your comment. Yes, BDO loading is convenient. I've used it many times before, but last weekend, I was not able to load — BDO mobile banking kept saying my subscriber number is invalid. Maybe there was a glitch that weekend.
      If you're near a TouchPay machine, it's also an easier way to load. It's instant. Basta make sure that the machine is inside a convenience store or a reliable business so you have someone to report to in case the machine malfunctions. One time, I used a TouchPay machine inside an Alfamart store, and the loading was instant.

  54. My fees ba bdo to paymaya?

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