Do I choose debit or credit when paying with an mPay card?

You should tell the cashier it is a debit card if they ask. You will likely need to enter your PIN to complete the transaction.

Will I always need to enter my PIN?

It depends on the store terminal and how the transaction is processed. If the merchant runs it as a debit card, you will need your PIN.

What should I do if the tap-to-pay feature does not work?

If tapping your card fails, you can insert the chip into the terminal instead. Some older terminals do not have contactless payment capabilities.

Are there fees for using an mPay card at an ATM?

Yes, users note that withdrawing cash from an ATM with your mPay card will incur a fee.

How to Use Your MPay Card for Payments

Using an mPay card works like most standard bank cards. You tell the cashier you are paying by card and select debit if asked. Depending on the terminal, you can either tap your card for contactless payment or insert it into the machine.

You might need to enter your PIN for debit transactions. Users highly recommend locking your card in the app immediately after paying and protecting your CVV code for online purchases.

payment steps

tell the cashier Say you are paying by card and select debit if asked.
tap or insert Hold the card flat on the reader until it beeps or insert it into the terminal.
enter your PIN Type your PIN on the keypad if required for a debit transaction.
lock your card Open your app and lock the card immediately after the payment goes through.

How to Use Your MPay Card for Payments — infographic

To use an mPay card for payments, simply present it to the cashier and indicate you're paying by card. Depending on the terminal, you can tap or insert the card, and you may need to enter your PIN for debit transactions.

Making Payments with your mPay Card

Inform the Cashier: Tell the cashier you will pay by card. Sometimes they will ask if it's debit or credit; say debit. "Tell the cashier you will pay by card, then sometimes they'll ask if it's debit or credit, say debit."

Tap or Insert: Most modern terminals support tap-to-pay (contactless payment), where you simply hold your card flat on the reader until you hear a beep. "You literally just put the card on the reader and it detects it and pays." If tapping isn't an option or doesn't work, you'll need to insert the card into the terminal.

PIN Entry: For debit card transactions, you may be required to enter your PIN. "If they put their pin meaning they are using debit card, for credit card no need to input anything." The PIN for your physical card might be the same as your app login PIN if you haven't changed it.

Security and Best Practices

Lock Your Card: Always lock your mPay card after use for security. "Always remember that after you use your card, ALWAYS LOCK!!!"

Bring ID: Some merchants, particularly when processing your mPay card as a credit card, may ask for identification. "Some treat it as credit card kasi instead of debit card kaya they ask for an ID."

Protect your CVV: For online transactions, safeguard your CVV. "For safety and security buy cvv stickers so that you can cover and give your card without hesitation. You have to protect your cvv at all times."

Troubleshooting and Important Notes

Cashier Awareness: Be aware that some cashiers may not be familiar with processing mPay cards, particularly for tap-to-pay. "I just hope there are no directives from the merchants that don't require ID because even with Google Pay using my watch, they asked for ID, and the convenience of tap to pay is lost because of these kinds of merchants"

Terminal Differences: The exact payment process (tap or insert, PIN required or not) can vary between different merchant terminals. "It still depends on the store. Some terminals don't have tap-to-pay yet."

ATM Withdrawals: While possible, withdrawing cash from ATMs with your mPay card may incur fees. "There's a fee when you withdraw using the card."

Are you interested in learning more about managing your mPay card settings within the app?