So I tried Globe's Gcash Mastercard Beep card before but was very disappointed by their service.
I was actually eyeing for either BPI's Prepaid card or the BPI-Ayala Amore Card (The Amore card looks really cute kasi). But BPI's fees are too much considering my budget for account maintenance and such.
I badly want an item online but it was only available from suppliers from outside of the country. I've searched Ebay, Amazon and other sites but AliExpress gave me the most "sulit" deal so I decided to try it. But one major problem blocking me was the Payment options.
Usually, we use my mom's credit card when paying for online transactions like when buying tickets from Cebu Pacific Air during their Pisofare promos. And knowing my mom, she doesn't trust other online stores because of the fear of being charged/billed more than the correct amount needed (scared actually to get scammed by fake online stores). So even without telling her the idea of ordering from AliExpress, I could already smell rejection from her :(.
But this Item is what I've been looking for for months now and they aren't available in the wonderful pasilios of divisoria. So I tried researching for something I could use for that PayPal credit card payment part. And I discovered the PayMaya App.
I've heard about PayMaya before and their Beep card. A friend of mine got his after applying from a kiosk in LRT2 last August but I dismissed the fact of applying as well since PayMaya isn't really famous that time.
PayMaya: The safe and easy way to pay online
PayMaya is an app that lets you pay online so you can buy the things you'd love to have, without a credit card. The app could be downloaded in Google Play and from the Apple store. Upon signing up, It gives you a virtual credit card which you could use instantly.
To sign up, you just need your PHONE NUMBER (they will use his to contact and update you for every transaction you do when using PayMaya and its services) The number could be from ANY network providers (Globe,Smart,Tm,etc.) as long as it is active. (Not to worry 'cuz PayMaya DOESN'T charge anything for every sms they sent to you).
Why having a PayMaya is a major "YES-YES" today?
1. ONLINE SHOPPING!!!
With the app, you could buy stuffs online by giving you your own visa prepaid card that you could load up and fund easily. You just have to input your card details and you're good to go. (just make sure that your account is funded.)
you could:
- Shop at Zalora, Amazon (and anywhere--thanks to the credit card *winks* )
- Book flights at PAL and other booking sites (CEB, AirAsia, etc.) by using your visa (credit-card-like) card to pay
- Book accomodations in AirBnB and other booking sites.
- Buy tickets from TicketNet, TicketWorld or SM Tickets
- Buy credits from GooglePlay, Apple store and Playstation network. (Finally! I could buy lots of awesome apps <3)
- Purchase Steam credits (don't really know how that one works. haha!)
- Get Discounts on Deal sites like Ensogo, MetroDeal or DealGrocer (much of my addiction.. really. 'cuz I could get discounts especially on entrance tickets of some attractions here in the country)
- Get Discounts in restaurants, concert ticketsa and events - thanks to VISA
- Get Spotify premium! and enjoy the music-all-you-want wherever you go even without data
- Easily order Food from FoodPanda
- Subscribe to Netflix! (and watch movies, documentaries, series and more)
- and finally, Link it to PayPal! (my main reason actually for using PayMaya)
- To link your Paypal, you just have to simply sign up/register for a PayPal account.
- Make sure to load at least 1 dollar in your paymaya account (In my case, I loaded up Php100 )
- In the Paymaya account page/dashboard, Click Add a credit card, You have to provide your Virtual Card Number (Visa), Expiry date of the card and the CVV2 (the three digit code)
- Once approved, you will receive a SMS notification in your phone deducting 1 dollar (Php50.88-based on current rate) on your account. This will also be given back to you after few minutes (Mine took only 2 minutes)
- These transaction will also be reflected in your mobile app. You may now use your Visa for Paymaya :)
2. LOADING UP IS SUPER EAAASY!!! (and fast!)
You could load up in 7-eleven connect kiosk which I find super duper hassle-free. (No queue numbers and long lines). Aside from that, you could cash-in from other stores:
- Robinsons Department stores
- SM business center
- SMART money
- SMART padala Centers
- BDO
- 7-eleven stores with Cliqq Kiosks
- (soon) MiniStop
- (soon) FamilyMart
Click here for instructions how to load up your account.
note: Some loading methods requires you to pay service fee up to worth 15 pesos. but when I tried loading up Php400 at 7-eleven.. there is no service fee! (Yey!)
3. LOTS (and lots and lots) OF PROMOS AND FREEBIES
Click here to see the list of PayMaya's current promos. Never miss out 'cuz there are lots of freebies like Loads, products and huge discounts specially for PayMaya app users.
4. BUY LOAD (AT DISCOUNTED RATES!!)
You heard it right.. with discounts! You could use their app and buy eLoad & Call and text promos at cheaper rates. Php 18.40 for a regular 20 pesos load and as save as much as Php80 pesos when loading up worth 1,000 pesos!! come on! that's a huge discount considering most of the retail loading stations are adding up one to three pesos for every load transaction you have. Update: You can now buy load for both Globe and SMART
5. SEND MONEY TO ANYONE (but you need to upgrade your account to have this)
hmmm.. maybe try this next time. I will just update you guys if i have tried it.
Update: Since I have upgraded my account last 2016, I had the advantage to try sending money. It works pretty Easy! I tried sending Php 14 to another account and it was successful (Plus you could send simple message together with the money you are giving.
6. PAY BILLS
Yey! Paying Bills online would make my life waaaaay easier!!!
Update: As of January 2017, Paying Bills is now accessible thru Paymaya (Even if your account is not upgraded)
In the "Pay Bills" tab of your mobile app, wou will be required to fill in details such as:
- Biller
- Acount Number
- Exact Amount
You could pay bills to the following companies:
- ABS-CBN Mobile
- AEON
- Bayantel
- Cignal Mediascape
- Destiny Cable
- Finas Wide
- Fortune Medicare
- Globe Telecom
- Home Credit
- Innove Communications
- Laguna Water
- MERALCO
- Manila Memorial Park
- Manila Water
- Manulife
- Manulife China Bank
- Manuplans
- Maxicare
- Maynilad Water
- PLDT
- PLDT Ultera (Smart MyBro)
- Paramount Insurance
- PhilamLife
- Sky Affiliates
- Sky Cable
- Smart Communications (Bro)
- Smart Communications (PostPaid)
- Sun Cellular (Digitel)
- Sun Life Canada
- Sun Life Plans
MY EXPERIENCE:
After downloading the app from the apple store (was using my iPad that time and downloaded it in my android phone after realizing that this app would be so useful), I signed up. Received the verification code via sms after few minutes and entered it in the app. Activated the virtual visa card and received another sms confirming that my visa card is now activated.
I went to the nearest 7-eleven store to load up my account. here are the steps on how to cash-in:
- Visit the 7-eleven store and proceed to the Cliqq Kiosk.
- Select e-money
- Then choose PayMaya
- enter the phone number you wish to load up and the mobile number you used to register on PayMaya (the good thing is, you could load up for someone else's PayMaya account) make sure to double check the number!!
- Enter how much you want to cash-in
- The kiosk will issue a receipt and pay it in the Cashier.
- Once completed, PayMaya will send you an SMS confirming the transaction and updating you how much credits you still have in your account.
I signed up for PayPal also, paid my orders from AliExpress and paid using my Paypal.
Every time I made payments, PayMaya sends me an SMS and is reflected also on the app.
left: (using other camera) shot of the PayMaya app on android after loading up at 7-eleven
right: screenshot of the PayMaya app on iOS showing complete history of my transactions.
comparing the Android and apple PayMaya apps:
Android PayMaya app requires you to enter your password everytime you open the app and wouldn't let you screenshot the app. (Security features)
Apple PayMaya app also requires you to enter your password too (or you could just simply use your UserID fingerprint to sign in). Also, you could screenshot the app.
note: if you are using an iPad, make sure to change the settings from "iPad only apps" to "iPhone only apps".
ISSUES:
I have been using my Paymaya for my online transactions (buying from AliExpress) and as a payment methods for my online shop. It was working pretty well buy I had one issue wherein one of my Clients loaded up Php900+ pesos. It was reflected on my account but to my dismay, 7-eleven deducted the same amount. In other words, they took back the money! I tried contacting Paymaya(thru landline and FB messenger) The FB service wasn't really good but the hotline works well. The customer service instructed me what to do and confirmed that the transaction wasn't successful-so they told me I have to go back to the 7-eleven branch. It was a hassle considering that my client had to go back again. In the end, I let the issue go (leaving a loss of almost a thousand :( And did not consider Paymaya as a mode of Payment for my online shop again.
Another issue is that I LOST MY PHONE!! and the FB customer service isn't really helpful. but I tried looking into their FAQs and discovered I could still access my account (provided that I know the number and password). I forgot my password as well so I had to recover it with their "Forget password" feature.
What happens to my account if my phone is stolen/lost?
If you linked a post-paid mobile number to your PayMaya:
- Report it to your mobile network
- Once you recover your mobile number
- Install your new SIM into a new device
- Download the PayMaya app and log back into your account.
If you linked a prepaid mobile number to your PayMaya:
- Use a different smartphone (Android, iOS) to log in to your account
- Change your password
- Use up your balance if you have any
- If your account is upgraded and you have the physical card, withdraw any remaining balance or send it to another PayMaya account
- Create a new PayMaya account using a new mobile number
What I did:
I made a new account (with my new number), retrieved my password in my old account and since I my old account is upgraded, I was able to send the remaining balance to my new account. I tried linking my old physical card to my new account but it doesn't work. I could contact Paymaya again but for now,
I ain't considering updating my new account anymore. My plan is just to use my new account (virtual visa) for my online transactions (buying items online) and consume all remaining balance by buying Load.
............
CONCLUSION:
Weighing my experience, Paymaya has both pros and cons. But I still like how they try to improve their services. In my year of using the app, I have seen improvements in their customer service and types of product offerings.
PayMaya is still useful for simple transactions like loading, online shopping where visa is accepted, paying small bills because of the easy access & convenience. But I really don't advice using Paymaya for transactions worth around a thousand pesos and above.
For more details, visit their site , follow them on facebook and read the frequently asked questions here as a guide.
The PayMaya services offers great solution for our everyday needs (and WANTS!! I mean it. those little obsessions of ordering cute and wonderful and amazing stuffs online). and the best part is..
IT IS FREE!!! no registration fees, monthly subscription fees,etc. and by looking at it, PayMaya is expanding more of its services to make our lives easier. More power PayMaya! :D
...........
Paymaya actually is okay until you need to get your money back. I bought something worth 300 USD but had to cancel the order due to shipping time, they were only supposed to hold the authorization but no they removed the cash immediately and insisting that I am disputing the charge. I told them I am not disputing because as per email from the vendor which I sent them Paymaya should only charge when the goods are shipped. I sent them the documentation that the order is effectively cancelled but they keep asking me for new documents every other day like it is their money and they are doing me a favor. If this was actually a disputed charge I would understand but as they incorrectly charged me, I do not understand their insistence on making me revise a document which I submitted 5 days earlier to say I need to submit a new letter etc etc. Furthermore, the group handling this is a different group, not in their website and the communication is one way,i.e they will only SMS you they don't reply to your email and you cant call or SMS them back. What kind of set up is this? Smells fishy to me. I had these orders cancelled April 24, coordinated wih both the vendor and Paymaya within a week and still I am getting a complete runaround with their customer service. I provided them the reference ID, they will reply late next day that they need the time and date and amount of the transaction which should be in the reference ID. They ask for the merchant name again making me revise the letter when it was already there, they insisted that my signature was different from ID but I was able to buy land with the same ID and signature. Most of all, they initially wanted a transaction receipt for an online transaction I toldthem I don't get a physical receipt I only get the status of the order but if you cancel the order, you wont get a receipt!
TumugonBurahinAgain Paymaya is great while you are buying stuff but the moment that you need to get your money back, they will intentionally make it hell for you.
Same with Gcash. Don't get these types. Just get a prepaid credit card from banks
Burahini am ERIC BRUNT by name. Greetings to every one that is reading this testimony. I have been rejected by my wife after three(3) years of marriage just because another Man had a spell on her and she left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address AKHERETEMPLE@gmail.com have help a woman to get back her husband and i gave him a reply to his address and he told me that a man had a spell on my wife and he told me that he will help me and after 3 days that i will have my wife back. i believed him and today i am glad to let you all know that this spell caster have the power to bring lovers back. because i am now happy with my wife. Thanks for helping me Dr Akhere contact him on email: AKHERETEMPLE@gmail.com
Burahinor
call/whatsapp:+2349057261346
i am ERIC BRUNT by name. Greetings to every one that is reading this testimony. I have been rejected by my wife after three(3) years of marriage just because another Man had a spell on her and she left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address AKHERETEMPLE@gmail.com have help a woman to get back her husband and i gave him a reply to his address and he told me that a man had a spell on my wife and he told me that he will help me and after 3 days that i will have my wife back. i believed him and today i am glad to let you all know that this spell caster have the power to bring lovers back. because i am now happy with my wife. Thanks for helping me Dr Akhere contact him on email: AKHERETEMPLE@gmail.com
or
call/whatsapp:+2349057261346
Am Hellen, thanks to Dr oniha who cured me of fallopian tube blockage and fibroid with his herbal tuber cleanser. My marriage was on the verge of collapsing, because I was unable to bear a child for my husband. Until I came across Dr ONIHA's recommendation onLine,of how he has helped numerous of childless couples to have children with the help of his wonderful herbal medication, and I contacted him. And he administered his herbs on me.within the space of two months, i became pregnant, I now have a child I can call my own. In case you want to contact him for a similar problem, or all other infertilty issues, you can reach him through his email:
BurahinDRONIHASPELL@YAHOO.COM or call him on +2347089275769
Am Hellen, thanks to Dr oniha who cured me of fallopian tube blockage and fibroid with his herbal tuber cleanser. My marriage was on the verge of collapsing, because I was unable to bear a child for my husband. Until I came across Dr ONIHA's recommendation onLine,of how he has helped numerous of childless couples to have children with the help of his wonderful herbal medication, and I contacted him. And he administered his herbs on me.within the space of two months, i became pregnant, I now have a child I can call my own. In case you want to contact him for a similar problem, or all other infertilty issues, you can reach him through his email:
BurahinDRONIHASPELL@YAHOO.COM or call him on +2347089275769
thanks to Dr oniha, who cured me of fallopian tube blockage and fibroid. i married for over eight years wthout a child of my own. because of the problem with my fallopian tube and fibroid, until i came in contact with Dr oniha's testimony and recommendations online, on how he has cured and healed so many people of the same illness, and i decided to contact him, and he administered his medications on me, and i became pregnant in two months. incase you want to reach him for a similar problem, you can call or whatsap him on +2347089275769 or email: dronihaspell@yahoo.com
BurahinThankes to Dr OSAZE, who cured me of fallopian tube blockage and fibroid. i married for over eight years wthout a child of my own. because of the problem with my fallopian tubbe and fibroid, until i came in conntact with Dr OSAZE's testimony and recommendations online, on how he has cured and healed so many people of the same illment, and i decided to contact him, and he administered his medicatons on me, and i became pregnant in two monnths. incasse you wannt to reach him for a similar problem, you can call or whatsap him on +2347089275769 or email: DROSAZEHERBAL@GMAIL.COM
BurahinPwede po bng mag send paypal funds to paymaya then convertible to peso npo ba sya?
TumugonBurahinyes. you'll need the upgraded account (free) and the physical card (150) to withdraw from paymaya.
Burahinhow was your experience buying from Aliexpress and paying it thru paymaya? i want to buy a few stuff from Ali too. but na co-confuse ako kasi dollar amount yung prices.
TumugonBurahini've tried it po. the item is worth $14.03. initial charge was PhP680.03. nagulat ako kasi nung mag update ang approved amount ay naging PhP690.23. So i googled it. Dun ko lang na tuklasan na may chance na iba ang final charge dun sa initial charge pag dollar transaction kasi moving yung exchange rate. Also found out, na hassle mag dispute for refund using virtual cards, kaya ngayon nag dadasal ako na sana walang problema at hindi ko kelangan mag dispute for refund. :| Still waiting for the item i've purchased.
Burahini've tried it po. the item is worth $14.03. initial charge was PhP680.03. nagulat ako kasi nung mag update ang approved amount ay naging PhP690.23. So i googled it. Dun ko lang na tuklasan na may chance na iba ang final charge dun sa initial charge pag dollar transaction kasi moving yung exchange rate. Also found out, na hassle mag dispute for refund using virtual cards, kaya ngayon nag dadasal ako na sana walang problema at hindi ko kelangan mag dispute for refund. :| Still waiting for the item i've purchased.
BurahinLately lang triny ko ung virtual paymaya, i loaded it up ng 500php sa 7/11 nice dahil walang fee they will notify u pa thru text message na successful ang pagload.ginamit ko paying bills ok nman sya, u need to wait lng until the next day before maprocess ung payment.i encountered din purchasing sa apple apps tpos bfore pa na install ung app na deduct na yung account ko khit failure ung installing na apps..so i asked apple merchant for a refund binalik nman nila sa paymaya nkalagay refunded pero not the exact amount may minus na 4pesos..so far ok nman
TumugonBurahinLately lang triny ko ung virtual paymaya, i loaded it up ng 500php sa 7/11 nice dahil walang fee they will notify u pa thru text message na successful ang pagload.ginamit ko paying bills ok nman sya, u need to wait lng until the next day before maprocess ung payment.i encountered din purchasing sa apple apps tpos bfore pa na install ung app na deduct na yung account ko khit failure ung installing na apps..so i asked apple merchant for a refund binalik nman nila sa paymaya nkalagay refunded pero not the exact amount may minus na 4pesos..so far ok nman
TumugonBurahinHow many times have you ordered from aliexpress? And how long does it take the item to get here? (standard free shipping)
TumugonBurahinBecause Im planning to order stuff as well this global 11.11 sale.
I have tried ordering for more than 5 times now from different trusted sellers. All of them were non-electronic stuffs (cheap necklaces, pens, stationary sets, notepads, souvenir items). Some items could be tracked but they aren't really reliable (cuz I chose for cheap shipping fee/ free shipping to save money). Items arrived 2 weeks (I'm from PH), longest I waited was 1 month.
BurahinCan u guys pay directly in aliexpress thru pay maya? Im using creditcard kasi and really wanted to try if i can pay directly thru paymaya since its a visa card.
TumugonBurahinHi. I tried paying directly with paymaya. All you need are the details on you virtual card plus make sure to have enough load balance (plus extra for additional rates caused by exchange rate differences) and all of my five transactions were successful (plus I also made sure that he reseller is good & trusted. Maximum amount I bought was around 1 thousand for a non-electronics stuff. It is advisable not to buy gadgets from aliexpress because Phil charges too much tax for items from abroad.
BurahinHi! Did you experienced to used Paymaya to buy loadwallet? As in loadwallet for retailers?
TumugonBurahinHi. sorry I haven't tried it yet. And I don't think paymaya offers that yet. All I know is load retailers have to buy them directly to their respective distributing agents.
BurahinPwede po ba sa ebay ang paymaya?may bibilhin kase aqng relo worth 4.8k ang price.
TumugonBurahinPwede, pero If I were you, I will use another card in case you want your money back. Check Yuri Ladanga comment.
BurahinTo quote: "...but the moment that you need to get your money back, they will intentionally make it hell for you."
I just experienced it. March 16 transaction. Up to now, they are making me go in-circles.
yup, when i tried to buy at lazada worth 45 pesos of load, they charge me instantly but i didn't get the load. then kung anong cheche buretche ang hinahanap sakin sabi ng lazada na refund na daw nila yung pera ko which is not. if i were you i will go with COD or Paypal ;) good lang ang PayMaya pag magtatago ka ng pera using As ATM at online purchase ng Google Play iTunes or Spotify premium.
Burahinyou can also load-up from ECPAY, dahil walang 7/11 dito samin. yup i'd tried smart padala pero heck ang mahal ng charge for e.g my father and I tested this he send money to me worth 1,500 to my paymaya account then ang laki ng charge almost 78 pesos daw yung siningil sa kanya eh mas mura pa daw mag western union 25 lang daw pag ganun yung amount na itratransfer kinda bummer on my side but when I try to ECPAY it's free totally. but sa area ng father ko wala pang ECPAY. mas prefered ko ang Paymaya over Money Transfer like LBC or Western kasi medyo na-annoyed lang ako mag fill up ng control number and bringing some id kind of stuff since meron ATM machine dito sa school namin tyaka nalang ako kukuha ng baon ko pag kailangan na kailangan ko pa, plus the loading feature of this is awesome lol pwede nakong magload kahit kelan ko gusto na di na lalabas ng bahay para mag paload ang problema ko lang pag wala akong internet di ako makapag load hehe. plus yung toll free hotline nila pag smart ka it's awesome!
TumugonBurahinHi natry nyo na ba gamitin paymaya to book accomodation? Thank you in advance
TumugonBurahinPuwede ba ma access yung paymaya app kung nasa abroad ka. Nag open ako ng account via paymaya app nung umuwi ako, pero hindi ko na ma access nagyon. Lagi mali password try ko reset yung password pero ayaw tanggapin cel no ko na Smart (roaming).
TumugonBurahinFor payments and fund transfer lang po ba ito? Di po ba pwede na mag withraw ng cash na inilagay mo?
TumugonBurahinHi do you think it's safe paying meralco, pldt,maynilad, etc.,using paymaya? You know those kind of bills amount usually thousands.. Thanks
TumugonBurahinYes . :)
BurahinI plan to order something worth 7500 on aliexpress. Safe ba na method yung direct paymaya ang gagamitin? or paymaya->paypal->aliexpress? Thank you!
TumugonBurahinHi. Based on my experience.. Aliexpress dont allow use of Paypal.. They only accept debit/prepaid/credit cards because they have Alipay.. For that amount.. I suggest you use prepaid cards issued by the bank (bpi amore, bdo prepaid or bdo debit)
BurahinI plan to order something worth 7500 on aliexpress. Safe ba na method yung direct paymaya ang gagamitin? or paymaya->paypal->aliexpress? Thank you!
TumugonBurahinPag paypal ang mod of payment mo direct mag chacharge sa paymaya yun.
BurahinHi, I plan to save money po using my paymaya, ok lang po kaya na mag save ako ng money?
TumugonBurahinhi yes you can save money there. just make sure to upgrade your account so you can withdraw it.
BurahinThough I recommend saving in banks nalang para may interest kahit knoti.. just choose an account na di nagchacharge per withdrawal para di ka lugi :) with minimum amount like Landbank (Php500 minimum) , BPI (1k minimum, they also have instant deposit machines) , BDO (2k minimum- open pag saturdays pwede magdeposit)
Paano po mag withdraw using atm card, nag try po kasi ako mag upgrade still wala paring schedule for virtual interview? May laman pmnding cash ang paymaya KO....
TumugonBurahinPag po ba may virtual card na pwede na ko makabili ng concert ticket sa ticketnet?
TumugonBurahinscam yang paymaya na yan, not advisable na lagpas 1k ang bibilhin na product. takte kayo paymaya, ayusin nyo serbisyo nyo, balik nyo pera ko
TumugonBurahinhi. nagorder po kasi ako sa aliexpress, thru western union, kasopagdating sa western, hindi pwede kasi wala na sa system nila yung quickpay. then my last option is paymaya. pano po ba gumamit nun? first timer po, kelangan muna loadan? bago makapagbayad sa aliexpress? thank you sa sasagot
TumugonBurahinHi! Can you delete your paymaya account ba? Since di ko na ginagamit number ko (naiisip ko kasi na baka i-recycle ng network ang number ko), baka mag-access nila info ko. I tried googling pero walanh nalabas. Pahelp pls thank you
TumugonBurahinHi! When I talked to their rep before, they dont have the facility to delete accounts daw :( Pero that was 2yrs ago(?) Ewan ko lang ngayon
BurahinNagamit nyo yung PayMaya sa Aliexpress? Sakin ayaw,hindi daw secure yung mode of payment na yun kaya pinagawa napunta ako sa Aliexpress Appeal form para macheck nila kung legit ba talaga hay
TumugonBurahinHi po. I signed up for PayMaya when I was in such a rush. So instead of entering my full name (3 kase first name ko) I only entered one first name then last name ko na. Pangalan ko pa naman din, Pero it’s not the one reflected on my ID. Can I change the name of my PayMaya po? If so, may fee po ba and magkano po? Kung hindi po pwede, what can you suggest I should do to my account po? Can I delete it po? Balak ko kasing i-connect sa sa Paypal but I think it would be a problem kung hindi yung full name ko ang nakareflect sa Paymaya ko.
TumugonBurahintry po nila sa Smart centers, approach a PayMaya Staff, ipaupgrade mo na lang para maipaayos mo ang name mo. For money matters, etc. they require full names otherwise, ma invalid ang binili mo online, etc.
BurahinNaalis ng may-ari ang komentong ito.
TumugonBurahinHello po paymaya first time user ask ko lang po kasi sa mga pic na nakita ko sa taas may card na bnibigay ung paymaya bakit po ung akin wala kahit upgraded napo ako.... ano po ba un need papo mag lagay ng money before lumabas ung green card?
TumugonBurahinAng pangalan ko ay Gng. Amalia Amangkurat, isang biyuda at nawala ko ang asawa ko 4 taon na ang nakararaan at nagmamalasakit ako sa mga bata, ngayon ay gumawa ako ng pera upang magbayad ng upa at utang ngunit wala akong pera upang magbayad, kamakailan lamang, nakakita ako ng isang patotoo online tungkol sa isang kaibigan na nakuha ng isang hindi secure na utang mula sa Rika ina. Gumawa ako ng mga katanungan at ako ay sinabihan na siya ay isang matapat na ina, kaya nag-aplay ako para sa isang utang na $ 50 milyon kaya pagkatapos ng proseso ng pautang, ang aking pautang ay inilipat sa aking account sa bangko at ngayon, nagkaroon ako ng isang tindahan na pinapatakbo ko ang aking negosyo at ngayon ay nabayaran ko ang aking utang at lahat ng aking mga bayarin, lahat salamat sa Rika Anderson Loan Company ay isang mahusay at tapat na tagapagpahiram kaya pinangakuan kong magpatotoo at ibahagi ang aking mabuting balita din. makipag-ugnay sa kanyang email rikaandersonloancompany@gmail.com,
TumugonBurahinWhatsapp: +19147057484 makakuha ng impormasyon tungkol sa kung paano makakuha ng utang. Kung mayroon kang mga pagdududa o takot, maaari kang makipag-ugnay sa akin palagi sa pamamagitan ng amaliaamangkurat@gmail.com
Naghahanap para sa isang pautang sa negosyo? Mga Personal na Pautang, Mga Pautang Pautang, Mga Utang sa Consolidation ng Utang, Unsecured Loan, Venture Capital, atbp Kung kaya mangyaring sumulat sa amin ngayon: (georgeanderson.loanfirm255@gmail.com) at makuha ang utang ngayon.
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Hello am here to testify of a great and powerful spell caster. my Wife left me and my two kids for a couple months, I tried to beg her even I called her, she didn't pick up when she came back home the 3rd week she told me she wanted a divorce I was so sad I cried all night he left again I was so lonely the next day I was searching for something online when i found a spell caster called DR ADEKUNLE, who have helped so many people with their various issues and problems, so I contacted him with my problems he told me it will take 24hrs and my Wife will be back to me I did everything he told me to do and the next day very early my wife came back kneeling and begging she canceled the divorce we are now happy together all thanks to DR ADEKUNLE
TumugonBurahinhe also cure
HIV/AIDS,HEPATITIS,LOW SPERM COUNT,CANCER DISEASES,FIBROID DISEASES,GONORRHEA,GONORRHEA,FALLOPIAN TUBE,PREGNANCY,HERPES,lottery spell.
he can also help you too, contact him directly if you need his assistance on EMAIL:- adekunle.temple@gmail.com
or whatsapp him +2349059123256
i am ERIC BRUNT by name. Greetings to every one that is reading this testimony. I have been rejected by my wife after three(3) years of marriage just because another Man had a spell on her and she left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address AKHERETEMPLE@gmail.com have help a woman to get back her husband and i gave him a reply to his address and he told me that a man had a spell on my wife and he told me that he will help me and after 3 days that i will have my wife back. i believed him and today i am glad to let you all know that this spell caster have the power to bring lovers back. because i am now happy with my wife. Thanks for helping me Dr Akhere contact him on email: AKHERETEMPLE@gmail.com
TumugonBurahinor
call/whatsapp:+2349057261346
i am ERIC BRUNT by name. Greetings to every one that is reading this testimony. I have been rejected by my wife after three(3) years of marriage just because another Man had a spell on her and she left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address AKHERETEMPLE@gmail.com have help a woman to get back her husband and i gave him a reply to his address and he told me that a man had a spell on my wife and he told me that he will help me and after 3 days that i will have my wife back. i believed him and today i am glad to let you all know that this spell caster have the power to bring lovers back. because i am now happy with my wife. Thanks for helping me Dr Akhere contact him on email: AKHERETEMPLE@gmail.com
or
call/whatsapp:+2349057261346
I just lost my man about three months ago though he is back again full of love and passion with the help of great man Dr IKHIDE. i NORAH PEDRO from Norway, have been into relationship with daniel moork since i was 22 years old and i am 28 now. i so much love him but i could not show the love, it was very difficult for me to prove my realness to him because i thought proving my love to him might make him look down on me and go after other girls. for over six years Daniel have give me all that i ask of him. i was always threaten him with break up each time i want to see his level of love for me because i was told if i threaten him, he will propose to me and then will get married to him before i can show my love despite his complains of him not sure of my love i was respond to him with negative words. though i was suspecting he have another girl in his life, i did not border to ask him about that because i was so sure of his love despite my attitude. on the 8th of September a day to my birthday he came and gave me so many lovely gift like never before claiming to wish me a happy birthday in advance with his words and behavior i expected him to propose to me on my birthday night then i will also tell him of my pregnant for him. i wait for him on my birthday he did not show up not even a call, i tried his number and it was not going through i refuse to go check on him because the anger in me six days later i went to his house and i found nothing not even a sign of my Daniel once live there. i was disappointed, frustrated, confuse with so many thought on my mind like hang my self if i did not see him again because i can not my parent about the pregnancy when the man responsible for it had disappear. our religion it's against that, my family will be disappointed in me, i have brought them shame. i look for daniel every where till i could chart with him on social network, he warned me never to disturb him again because he already had find another girl that he want to live his life with, after a while he block me from all access then i could not tell him of my pregnancy for him. so, i needed a help from all corners of life, i decide to check google my self or read some write up on site on how to coup with my pain because i could not tell any body about it not even my friends were aware of my pregnancy. i keep reading to cancel my self till i find how Dr IKHIDE help so many persons from different walls of life with their testimonies. then i decide to also contact him with dr.ikhide@gmail.com. Because i do not know much about contacting a spell caster, i was not sure he can bring my Dan back but i decide to give him a try though his requirement was another problem i meet with a friend for help because i could not the items that he needed i have to plead with Dr IKHIDE to help me get the items because really need my man back to take away my shame. just two days after i send him the requirement Daniel call me, plead for forgiveness. just yeterday he propose to me and i am so happy. you can also contact him with dr.ikhide@gmail.com
TumugonBurahinKumusta lahat. Nakita ko ang mga puna mula sa mga tao na nakuha ang kanilang pautang mula sa purong mga pautang sa puso at pagkatapos ay nagpasya akong mag-aplay sa ilalim ng kanilang mga rekomendasyon at ilang oras lamang ang nakaraan nakumpirma ko sa aking sariling personal na account sa bangko ng isang kabuuang halaga na $ 50.000,00 na hiniling ko. Ito ay talagang isang mahusay na balita at pinapayuhan ko ang lahat na nangangailangan ng tunay na pautang upang mag-aplay sa pamamagitan ng kanilang email (jamesmichaelloanservices@yahoo.com) o Whatsapp +16314912234, natutuwa ako ngayon na nakuha ko ang utang na hiniling ko.
TumugonBurahinMagandang araw
TumugonBurahinKailangan mo ba ng pananalapi upang mapalawak o maitaguyod ang iyong sariling negosyo?
Nag-aalok kami Pribado, Komersyal at Personal na Pautang na may napakaliit na taunang Mga rate ng Interes na Mababa ng 3% sa loob ng 1 taon hanggang 20 taong tagal ng pagbabayad sa anumang bahagi ng mundo.
Ang aming mga pautang ay maayos na nasiguro para sa maximum na seguridad ang aming prayoridad.
Ang sinumang interesado ay dapat makipag-ugnay sa amin sa pamamagitan ng E-mail: nelsonwealthfinacialloanservic@gmail.com
Kumusta lahat. Nakita ko ang mga puna mula sa mga tao na nakuha ang kanilang pautang mula sa purong mga pautang sa puso at pagkatapos ay nagpasya akong mag-aplay sa ilalim ng kanilang mga rekomendasyon at ilang oras na ang nakakaraan nakumpirma ko sa aking sariling personal na account sa bangko ang kabuuang halaga na $ 50.000,00 na hiniling ko. Ito ay talagang isang mahusay na balita at pinapayuhan ko ang lahat na nangangailangan ng tunay na pautang upang mag-aplay sa pamamagitan ng kanilang email (jamesmichaelloanservices@yahoo.com) o Whatsapp 16314912234, natutuwa ako ngayon na nakuha ko ang utang na hiniling ko para sa
TumugonBurahinPagbati sa iyo,
TumugonBurahinAko si G. James Michael na kinikilala ang nagpapahiram ng pera, at nag-aalok ng mga pautang para sa lahat ng tao, Kailangan mo ba ng pautang o pagpopondo sa anumang kadahilanan, tulad ng personal na pautang, pautang sa negosyo, pautang Pagpapalawak, Negosyo pagsisimula ng pautang, pautang sa edukasyon, pagsasama-sama ng utang,? ang anumang uri ng pautang ay hindi nakikipag-ugnay sa amin sa pamamagitan ng: jamesmichaelloanservices@yahoo.com para sa karagdagang detalye
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TumugonBurahinkailangan mo bang umutang? Ako ay isang nakarehistro at maaasahang tagapagpahiram, nagbibigay ako ng pautang sa mga taong nahihirapan sa pinansya, ang mga tao na nagsisikap na magbayad ng mga bayarin sa paaralan, ang mga nagsisikap bumili ng kotse o magsimula doon may sariling negosyo, mga kontratista at mga ahensya ng gobyerno. Para sa karagdagang impormasyon o pormularyo ng application ng pautang Makipag-ugnay sa amin sa pamamagitan ng email: thompson.loanservice@gmail.com
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I want to thank Dr Emu a very powerful spell caster who help me to bring my husband back to me, few month ago i have a serious problem with my husband, to the extend that he left the house, and he started dating another woman and he stayed with the woman, i tried all i can to bring him back, but all my effort was useless until the day my friend came to my house and i told her every thing that had happened between me and my husband, then she told me of a powerful spell caster who help her when she was in the same problem I then contact Dr Emu and told him every thing and he told me not to worry my self again that my husband will come back to me after he has cast a spell on him, i thought it was a joke, after he had finish casting the spell, he told me that he had just finish casting the spell, to my greatest surprise within 48 hours, my husband really came back begging me to forgive him, if you need his help you can contact him with via email: Emutemple@gmail.com or add him up on his whatsapp +2347012841542 is willing to help any body that need his help.
TumugonBurahinAm here to testify of a great spell caster who is very straight forward with his words of casting spells. When my Wife left me for another Man i was so confused,but one day a friend of mine gave me the email address of this great spell caster called Awo Babatunde, I contacted this man and explained to him all that i was going through,he then told me to be calm and not worry anymore because my case is a very easy one. At first i never believe all that he was saying until when my wife returned home two days later begging me to forgive him all that he has done to me and to please accept him back into my life,I was so amazed,I never believe it was going to happen that fast.
TumugonBurahinThis man is truly great indeed. Contact him today for a perfect solution to your love problem, Awobabatunde50@gmail.com or whatsApp him +2349045101972
Thank you Dr Ifayemi for what you have done for me! My husband stopped filling the divorce papers after I contacted you to help me stop the divorce with my husband and now things are going much better now. As you said, all the process concerning the divorce have been cancelled and the evil woman that cause the problem in my marriage has be sent away by my husband and we are now happy together, if you are having relationship or marriage problems or any other problems, you can email him at: (dr.ifayemis@gmail.com) or WhatsApp him (+2348118083441). Have a nice day
TumugonBurahinI don't know how else to appreciate the good work you have done for me order than testify about you, Thank you very much Dr AKHERE for bringing my ex husband back to me.
TumugonBurahinHello friends, I want to tell you little about this great spiritualist who helped in bringing my ex husband back to me and restoring my marriage. After a month that my husband left me to get a new lover who took over his memory, I cried and I didn't know what to do, so one day I saw a comment on the internet talking about how DR AKHERE helped to bring their ex boyfriends and girlfriends back to them and also how he helped people to get their dream jobs and I did not believe it at first but I decided to give it a trial and so I contacted DR AKHERE through his email: AKHERETEMPLE@gmail.com and he asked me to be calm that my husband is going to come back to me. So after he casted the spell in less than 24hrs my husband called me and started begging me that he need me back in his life and ever since I have been living happily with my husband without any arguments or fight.
You can also contact Dr AKHERE for help through his email: Email him at: AKHERETEMPLE@gmail.com or call / whatsapp: +2349057261346
Thankes to Dr OSAZE, who cured my wife of fallopian tube blockage and fibroid. we got married for over eight years wthout a child of our own. because of the problem with my fallopian tubbe and fibroid, until we came in conntact with Dr OSAZE's testimony and recommendations online, on how he has cured and healed so many people of the same illment, and we decided to contact him, and he administered his medicatons on my wife, and she became pregnant in two monnths. incasse you wannt to reach him for a similar problem, you can call or whatsap him on +2347089275769 or email: DROSAZEHERBAL@GMAIL.COM
TumugonBurahinAls ich Dr. Ehimen fand, musste ich unbedingt meinen Ex-Liebhaber zurückbringen. Er hat mich wegen einer anderen Frau verlassen. Es ging so schnell und ich hatte überhaupt kein Mitspracherecht in der Situation. Er hat mich einfach nach 3 Jahren ohne Erklärung verlassen. Ich kontaktiere Dr. Ehimen über seine Whats-App-Nummer +2348025004360 und er hat mir gesagt, was ich tun muss, bevor er mir helfen kann, und ich habe getan, was er mir gesagt hat, nachdem ich ihm das gegeben habe, was er wollte, hat er einen Liebeszauber gesprochen, um zu helfen wir kommen wieder zusammen. Kurz nachdem er seinen Zauber ausgeführt hatte, fing mein Freund wieder an, mir eine SMS zu schreiben, und fühlte sich schrecklich für das, was er mir gerade angetan hatte. Er sagte, dass ich die wichtigste Person in seinem Leben sei und das weiß er jetzt. Wir zogen zusammen und er war mir gegenüber offener als zuvor und dann fing er an, mehr Zeit mit mir zu verbringen als zuvor. Seit Dr. Ehimen mir geholfen hat, ist mein Partner sehr stabil, treu und mir näher als zuvor. Ich kann Dr. Ehimen jedem, der Hilfe braucht, wärmstens empfehlen. E-Mail: dr.ehimen.temple@gmail.com Rufen Sie ihn an oder fügen Sie ihn auf WhatsApp hinzu über: +2348025004360
TumugonBurahinAlles dank Dr. Oberpriester Igabari Bring meinen Ex zurück Ich hätte nie gedacht namens Rose, die mir von einem Zauberkundigen namens Dr. Oberpriester Igabari erzählte. Sie gab mir seine E-Mail-Adresse und Handynummer und ich kontaktierte ihn und er versicherte mir, dass mein Mann sich innerhalb von 48 Stunden bei mir melden würde. Print weniger als 48 Stunden kam mein Mann zurück und bat um Vergebung und sagte und gebar mein drittes kind. Wenn Sie Hilfe von ihm benötigen, können Sie ihn per E-Mail kontaktieren: chiefpriestdrigabari3@gmail.com oder whatsapp unter +233500103260 https://www.facebook.com/111063858176958/posts/111078294842181/
TumugonBurahin