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Paymaya vs Gcash


This discussion is about "Paymaya vs Gcash" in the "Business, Finance & Economics Discussions" forums.
let the battle begin.....

  1. #1
    C.I.A. P-Chan's Avatar
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    Default Paymaya vs Gcash


    let the battle begin..

  2. #2
    C.I.A. P-Chan's Avatar
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    paymaya
    - grabe ka hinay
    - pag dl nako ug register sa app need to upgrade dayon
    - nag load ko ug gamay para maka view sa virtual card (need at least P100)..... pag load nako P500 (kay mao man ang min. nga amount sa debit).. cannot update dayon...pag ka #scam

    perting batia sa paymaya oie.. pag ka los2x gud..


    Gcash
    - naka remit nako (instant)
    - transfer to bank account (instant, hassle free kay di naka mo linya sa banko)
    - pay bills (to CC)
    - naka palit ug item (no problem)
    - buy ug load (dali ra pud.. naa pa rebate)
    Last edited by P-Chan; 08-30-2019 at 01:08 PM.

  3. #3
    C.I.A. kit_cebu's Avatar
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    paymaya
    - 3-months usa ka-reply ilang FB support for a password reset nga hasol kaayo nya the next reply kay mangutana unsa problema nga dali raman ta pag-scroll up..TANG BOGO-A!!
    - additional charge mag-deposit to get 'discounts' for bills..same with Coins.ph..pagka-stupid nalang gyud nimo kung mao imong buhaton


    gcash
    - no need for support kay sayon ra navigate ang app kung di ka tantong bogo
    - no additional charge for 4,999 below deposit/load..kung lapas ana, aw, 4,999, print-out...then re-do the process sa remaining amount nga kulang
    - no additional charge for gcash to bank..at least sa BPI..so, why would i line up sa susmaryosep kadugay nga BPI bank? 7-eleven, deposit, transfer, daug!!!
    - linked it with paypal, no issues for eBay purchases

    - usa ray issue nako..duha or tulo ka establishments DILI kamao kung GCredit gamiton or kung naay discount nga scan-scan style..wa nako mo-usab..kapoy..

  4. #4
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    I don't think anyone uses PayMaya willingly after their first transaction.

  5. #5
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    Ang maganda sa Gcash ay may QR code for users in the Philippines and also Filipino Gcash users would eventually be able to pay via their digital wallets even in China. Check the latest app for Gcash here https://www.ecomparemo.com/info/guide-to-gcash-app/

  6. #6
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    paymaya
    - ng basa2x rko s info, pero wla ko mo try ky dghan neg. feedback.


    GCash (Sept. 2019 rko ng install s app.)

    Cash-in;
    - BPI, matik daun credited s account.
    - Moneygram @ SG, taas og exchange rate e compare s mga remittances, nya SGD2.00 transaction charge.

    Pay Bills;
    - Pag-ibig contribution, Php8.00 service fee
    - SSS contribution (PRN), waive ang service fee

    Bank Transfer;
    - BPI, BDO (waive ang service fee)

    Pay QR;
    - Bench p ako n try (no issue)

    Send Money;
    - matik bsta naa lng available funds!

    GCash Forest;
    - 12k+ n ang energy, 7.6k nlng kulang pra matanom!

  7. #7
    Elite Member
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    My experience on both:

    My primary objective to have these two is just for loading purposes lang gyud, kanang para sa gamay nako na kwarta kay pwede nako mapa tuyok even up to myself or my family members na magpa load... i started out with GCash kay tungod nag promo to sila nga free 200 pesos kung mag open ka ug gcash at that specific time gyud.

    Pros on GCash:
    - Dili lisod sabton
    - load options kay naay mga registered na daan (no need for manual keyword na i-text pa nimo)
    - dili kaau sila kuti sa pag verify sa account (para ma activate ang bank transfer, Invest Money, and other functionalities). Murag nag email rako sa akong pic sa akong valid IDs
    - auto detection of network when attempting to load (after input nimo sa number), so no need for you to ask kung smart/sun/TM/globe ba kah... kay c gcash nah ang mo detect for you...

    my personal Cons on GCash
    - limit of 50 pesos na rebate (or profit) for load transactions per month. Load rebate is at 5% of every loaded amount (kung mo load ka ug 100, naay mo balik sa imoha nga 5 pesos). But once maka abot naka ug 50pesos na rebate (naa silay progress bar as monitoring), all future load transactions will have no rebates. Rebates will refresh kada start sa month
    - limit of cash-in transactions per month na walay charge. GCash will charge 2% of the transacted amount as service charge for the entire month, naka accumulate naka ug pa replenish sa imohang account ug 8,000 pesos
    - 2% service charge deduction for every cash-in transaction na more than 5,000.... natingala ko before, akong gi butangan ug 6,500 akong gcash, ang ni sulod kay bawas naman.... so work-around is akong i break into different transactions (isa ka 1,500, then duha ka 2,000 na cash-in transaction sa 7/11)

    Pros on Paymaya
    - unli rebates on load transactions... All transactions have 5% rebates

    Cons on Paymay
    - gamay ra sya ug mga registered na combo, thats why majority sa akong mga transactions ani na app kay ang mga regular loads lang
    - no auto-detection of network, since ang iyahang flow kay ikaw mangita sa unsay klase na load imong i load, after clicking sa "Regular 50" sa smart, ayha pa sya mo ask sa number.... kang gcash kay input number man ang iyahang starting point....

    Again, because i use them for loading, so bias on loading lang ang akong ma assess.... So ang ako-a is pag start sa month kay GCash ang akong gamit para pag load..... and then pag mo abot nah sa 50 pesos na monthly cap, ayha ko mo gamit sa akong paymaya....

    competitors ni sila, meaning, ang functionality sa isa kay naa pud sa pikas.... so para nako mag tabla ra sila... maybe ang capping ni gcash kay tungod sa volume of transactions nila and murag mas daghan silag users kay nauna man sila sa industry.... murag mas ubay-ubay ang mga tindahan na mo dawat ug payment option nga GCash kaysa Paymaya....

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