Updated , Published at 5:00 PM PHT,
by
Dennis Cabrera
Modes of Payment: Cash, E-wallet, Credit Card, Debit Card
Discover secure and money-saving payment options for MSMEs, SEO/Marketing professionals, and full-remote workers in the NCR, Philippines. This guide provides how-to tips for using cash, e-wallets (like Maya, GCash), credit, and debit cards.
It can also assist foreign tourists in the Philippines, digital nomads especially, to understand the financial subculture of the businesses in the National Capital Region of the Philippines. Learn to navigate security risks, avoid common payment hassles, and make stress-free transactions, even with weak mobile signals or large purchases.
Commonly used cost-effective payment options
With new technologies being updated at a fast rate, there are new modes of payments being used in the Philippines, but common payment options in the NCR are still cash, e-wallets, credit cards, and debit cards.
Other standard modes of payment are online bank transfers and current accounts or checks. These two payment modes will not be covered in this blog post. Although credit cards are mentioned in this post, the emphasis of the post is on Cash and E-wallets, since these are the payment options for our AI SEO Consulting Services.
The information below may contain business information meant for our old Web Store (Rosauro's Consumer Goods Trading). This E-commerce store has been closed down and the Blog (Rosauro's Legacy Archive) has now shifted to a Professional Service on AI SEO Content Strategies.
Learning how to pay via Cash & E-wallet at Rosauro's
Awareness of easy and secure modes of payment is important to make your order for a consulting session in each mode of payment successful and without unnecessary stress.
Using Cash / Cash on Delivery to Your Advantage
- Cash is generally accepted anywhere in the NCR
- A common business custom in the NCR is to add change money when you pay with big bills. This helps the retailer preserve his stock of small bills and coins. Be extra patient when the cashier asks for coins; he needs it as change money for the customers in line after you.
- Cash transactions are the simplest means. The goods purchased or service received are exchanged promptly on the spot.
- Cash is the most common form of payment for Filipinos.
How to use E-wallets for MSME transactions
- E-wallets conveniently link to a mobile app in your mobile phone
- All purchases are easily and exactly paid to the last Php 0.01 centavo
- It can always be accessed with mobile data
- There are many e-wallets in the NCR. Maya and GCash are two e-wallets which both big or small retailers accept
- E-wallets are convenient digital payment methods for compensation received from remote work
How to fix common difficulties with E-wallets
Be aware of quirks and glitches in your app or phone; familiarity with them makes it easy to fix them on the spot and make the transaction succeed
On very rainy or windy days, mobile data signals can be weak; this can interfere with the speed or success of your purchase; just apply patience.
It is wise to bring some cash in case the quirks experienced or rainy/windy days make it difficult to proceed. Practicing kindness to the retailer and yourself, and others next in line is a win.
You can also use a debit card if the signal in your phone suddenly goes down.
How to use Credit Cards securely
- Like e-wallets, these are convenient to use
- Extra security is needed with this mode of payment
- It is safer to use a credit card as a source of funds for your e-wallet than to use it directly on e-commerce platforms
- Avoid using a credit card with a big credit limit. Use a credit card with a smaller credit limit for online purchases
- It is not good to make one's credit card as a substitute for cash in your wallet; it is not for regular use
- Credit cards can be, in times of need, a life-saver; it can also save you from embarrassment if you are short in cash
- Two credit cards many big and small retailers accept are Visa and Mastercard. Big banks such as Metrobank and BDO have both Visa and Mastercard
Using Debit Cards to Secure Your Finances Effectively
- Debit cards are digitally linked to your ATM savings account
- They need a PIN to be typed when you make a purchase
- Like e-wallets, the exact amount can be paid down to the last Php 0.01 centavo
- There is a risk of a newly employed or trainee-cashier to accidentally double debit your purchase amount (that can be solved but it can be a hassle at times)
- Better to use debit cards in big retail establishments where cashiers are experienced in this mode of payment
- Unlike credit cards, debit card purchases are rarely "denied"
- Reliable debit cards are easily applied for with proper identification. Banks such as BDO, BPI, Metrobank, and China Bank Corp. have secure technology to safeguard all your debit card transactions.
Collaged #4 GEN AI image of entrepreneurs on their mobile phone, an ecommerce system using mobile phone, and delivery riders bringing orders purchased by families
Image produced by Gen AI tools Copilot and Gemini-Bard
Rosauro's Legacy Archive
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