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The SPOT.ph Guide to Cashless Payments

December 5, 2020 | Source: https://www.spot.ph/newsfeatures/the-latest-news-features/84039/cashless-payments-philippines-guide-a4362-20201102-lfrm3

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(SPOT.ph) Remember when physically lining up at a cashier to pay for things was the norm? With the rise of virtual wallets, "add to cart" has become every online shopper's new motto. So in case you're still getting the hang of making cashless payments—"Cash you can't see? What's that about?" said a parent somewhere, probably—we lay down everything you need to know in this guide! From how to use the most popular cashless payment options to last resorts when dealing with customer service, we got you covered.

There are several popular platforms out there today. Some function mainly as a way to pay for services online while others have an entire extended universe a la Marvel worth of features—but more on which one to get based on what you need later. We discuss what you need when opening an account with some of the most popular digital wallets out there.

GCash

Do you need a bank account? Nope—but you can link it!
Do you need to download the app to register? You can register through their site but the app is where all the transactions can be made.
You can register to Globe's mobile wallet either on your browser or on the app with your mobile number; no need to have a Globe number either. Once you've entered your mobile number and other information, you will be asked to create an MPIN. This will act as your passcode whenever you use GCash so be sure not to forget it! Verifying your account will give you full access to the platform's services—and add another layer of security—and will entail a valid government ID, your address, and a selfie. While the option to make an account is available on the official site, you will have to download the app to use it.

PayMaya

Do you need a bank account? Nope, but you can link it. Do you need to download the app? Yes. Make an account on the official PayMaya app with your name, mobile number, and e-mail address; your mobile becomes the official account number. Upgrading your account to get access to more features will take steps similar to GCash, too, so prep your ID and a selfie!

GrabPay

Do you need a bank account? Still no. You still have the option to link it though!

Do you need to download the app? Yes, definitely.

The GrabPay wallet is a main feature of the Grab app so you can easily activate it on your mobile. Head to the "Payment" section of the app by tapping on icon at the bottom of your home screen then select the "Activate your GrabPay Wallet" button. To get the basic services, you will be asked to enter the details of a valid government ID and your address; you can also upgrade your wallet by uploading a pic of the ID and having a quick video call with a Grab representative through the app to verify your identity.

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ii. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);

iii. attempt to decompile or reverse engineer any software contained on the company web site;

iv. remove any copyright or other proprietary notations from the materials; or

v. transfer the materials to another person or "mirror" the materials on any other server.

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We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

Web Site Terms and Conditions of Use

1. Terms

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

2. Use License

a. Permission is granted to temporarily download one copy of the materials (information or software) on the company web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

i. modify or copy the materials;

ii. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);

iii. attempt to decompile or reverse engineer any software contained on the company web site;

iv. remove any copyright or other proprietary notations from the materials; or

v. transfer the materials to another person or "mirror" the materials on any other server.

b. This license shall automatically terminate if you violate any of these restrictions and may be terminated by the company at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer

a. The materials on the company web site are provided "as is". The company makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, the company does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

4. Limitations

In no event shall the company or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on the company's Internet site, even if the company or a the company authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata

The materials appearing on the company's web site could include technical, typographical, or photographic errors. The company does not warrant that any of the materials on its web site are accurate, complete, or current. The company may make changes to the materials contained on its web site at any time without notice. The company does not, however, make any commitment to update the materials.

6. Links

The company has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by the company of the site. Use of any such linked web site is at the user's own risk.

7. Site Terms of Use Modifications

The company may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy.

Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
We will only retain personal information as long as necessary for the fulfillment of those purposes.
We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to- date.
We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
We will make readily available to customers’ information about our policies and practices relating to the management of personal information.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.