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How to Use PayPal in Purchasing Online with No Balance Available?

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I have recently learned that despite with limited balance on my PayPal account I can still manage to use it in buying or purchasing items online. I never thought this could be done till I discovered it while looking for a ways on how to fund my PayPal account which then I badly needed at the time. 

According to the source you simply Log in your verified PayPal account and go to the wallet, tab and link any valid bank account or credit card to be able to use PayPal for online transaction despite with limited balance or zero balance. Instead of the usual purchasing or buying online using our PayPal fund you can now choose your link bank account or credit card for online transaction as your second payment options if your PayPal account has limited funds?

To be able to use your bank account or credit card as your payment options for your PayPal transactions simply make sure that your bank account has sufficient fund before proceeding to any transaction to avoid hassle. If a bank account has sufficient fund, then proceed to payments and after successful payments all details are still under PayPal transactions.

Here are the simple steps on how to use a bank account or credit card as your PayPal payment options:

1. Log in to your PayPal Account
2. Choose your PayPal as your payment options on the website that you are having an online transaction.
3. On that site you will be asked to securely log in to your PayPal account and prompted with two options on how to choose a way to pay? It’s either your PayPal current balance or your bank account.
4. Choose bank account if PayPal has no fund
5. And wait for the transaction to finish.

I hope this article helps because it really helps me knowing that despite no current balance on my PayPal account I can still use PayPal by funding my current link bank account of credit card.

How to Renew Driver’s License and Adding Restriction Code

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LTO - On August 2, 2018, I visited one of the LTO Branches in Laguna to renew my driver’s license and at the same time to add restriction code “2” so that I can finally drive my private car legally. Despite not getting there as early as possible at the LTO still I came right in time with just several applicants with different purposes.

At the LTO, I quickly reach the information area where a security guard is assigned to handle incoming applicant’s questions and purposes. The guard is very accommodating and point me in the right direction on where to start my driver’s renewals.

Here is the list of step by step procedures oh how to renew your Driver’s License and adding restriction code:

1. Go to the Medical Clinic for your medical checkup such as for checking your blood pressure, eye test and weight measurement. After passing the test they will issue your medical clearance with Service fee amounting Php300.00.

2. Go back to the information desk and ask for an Application’s for Driver’s License (ADL) application form. After accomplishing the ADL Form the information center will check your duly accomplished form for some corrections if there’s any? And don’t forget to check the number of restriction code that you want to add on your renewal if theirs is also any?

3. After the ADL Checking go inside the LTO building and pass the duly accomplished ADL Form to the evaluator at Windows 3. Wait for your name to be call or wait for your number stab to appear on the monitor in the waiting area.

4. Once your name is called or your stab appeared on the screen monitor proceed to Windows 1 for picture capturing and signature and once again wait for your names to be called at windows 6 for payments.

5. At Windows 6, an initial payments amounting to Php167.63 for application fee and computer fee.

6. Proceed to the examination room for exams. (Examination are applied for applicants that are adding restriction code and newly applicants).

7. If the exam is passed proceed to driving area for drive test and if drive test is also passed return back all the requirements to the examination room and wait for your name or number stab to be called at Windows 6.
Take note: the car that I used for driving is my own car. Applicants with no car must pay additional payments at driving test.

8. At Windows 6, final payments amounting to Php852.63 for the addition of restriction code, license fee, revision of records and a computer fee. After payments wait for your name again to be called at Windows 2 for the issuance of the renewed driver’s license.
Take note: this case is only for applicants that has been issued of a temporary license. Meanwhile, applicants that have given DL card is taking finger prints first before the issuance of 5 year Drivers Card.

Overall the process took less than 3 hours with a grand total cost of Php1320.26 including the addition of restriction code “2” while applicants with temporary license may claim back their plastic driver’s license card at any LTO Branches in Laguna once there is an available DL card.

How to Refund Unprocessed Payments at GCash

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Philippines – I have recently used GCash mobile apps as my payment method in an International online buying website, but for some reason it was declined several times after I attempted to resolve the problem. The issue stated “My MasterCard was declined” but for some reason it was not explained in details and because of that issue I was not able to buy the item that I want to buy. 

And the problem gets worse when I checked my GCash current balance and I was credited on that several failed transactions that clearly didn’t even proceed to that online buying website. So I quickly contacted the customer support of the said website and asked them if they credited me in my recent transaction with them? After they deeply look at my account they said that I was not charged on any transaction and my recent transaction was declined due to bank issue? They advised me to contact my bank (GCash) to know what caused the problem.

Afterwards, I immediately contacted GCash through their emails ( then I decided to contact them at their hotline 2882 to speak with their customer service representative to quickly know what might cause the problem of my recent transaction as soon as possible. Fortunately, my calls were answered in a short time of waiting and I was assisted very professionally by GCash representative.

Upon the conversation with GCash CS they asked my complete details or information to validate my identity and after successful checking on my personal details then the checking proceed on my GCash latest transaction. Upon their checking on my account it shows that I made 4 failed transactions on a certain website which is that online buying website and they promised me that all my failed transactions will be refunded as soon as possible and if not expect 15 working days to process..

I’m glad I contacted their hotline and I was very well assisted and with just a couple of days my money was refunded back in my GCash account.

Helpful Tips: Before contacting GCash hotline prepare this thing first:

1. GCash Mastercard
2. GCash Mobile Apps Number
3. The Caller should be the owner of Gcash Mastercard and Mobile Apps.

How to Fund PayMaya at 7-Eleven by Generating an Add Money Code via SMS

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Philippines – PayMaya is a mobile app and one of the most popular online payments in the country. They recently updated their system last July 1, 2018, to a newer and improved system by generating ADD Money Code instead of the older versions of users PayMaya’s Cell Phone number. 

According to the new system is that all users must generate first an Add Money Code before they can add money to their PayMaya account at any PayMaya Add Money partners.

Since I’ve been using the 7-Eleven Cliqq Kiosk as my payment options or cash-in options I will teach you on how to generate an Add Money Code before going to 7- Eleven Cliqq Kiosk Machine.

Steps to add money at 7-Eleven Cliqq Kiosk using the Add Money Code Generated by SMS:

1. Text ADDMONEY <space> 711 <space> AMOUNT and send to 292907969

2. Wait for your ADD MONEY CODE to be sent via SMS

3. Head to a Cliqq kiosk found in 7 – Eleven branches and fill your details

4. Present Cliqq kiosk receipt and your payments to the cashier

5. Wait for the SMS confirmation text of your ADD Money transaction before leaving the 7 – Eleven store and that’s it.

You can also Add Money through different Add Money Channels such as:

-7 – Eleven

-The SM Store

-Touch Pay

- Bayad Center

-Smart Padala











For more details and information kindly go to PayMaya Facebook Page at PayMaya Cares.
Source: paymaya

Puregold an Alternate Option for GCash Cash-In Payments

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Philippines – Today I experience the trouble of funding my GCASH account when all 7 – Eleven convenience store nearby in our area are all currently upgrading their system and there is no time table when their system will be up?

 To avoid the hassle of late payments on my bills I checked the internet and Google the web to find other options on how to solve my problem because I badly needed to fund my account right away.

So, upon checking the web. I discovered that there are different options to fund my GCASH Account, there is GCASH Accredited Payment Centers and GCASH Partner Outlets. I’m glad that aside from 7 – Eleven, the usual cash – in options for my GCASH Account there are still lots of options to be chosen.

Right away, I choose Puregold as my alternate options to fund my account because it’s the nearest payment options in my area. As soon as the hypermarket open, I entered the market and look for the Customer Service and ask if they handle GCASH Cash – in, lucky for me they do? 

Take note: As far as I know not all Pure Gold Customer Service are accepting GCASH Cash – in? 

Here’s how to fund your GCASH Account at Puregold Customer Service:

1. Ask for the right assign personnel who handles GCASH Cash In at Puregold Customer Service.

2. After finding the right personnel, he/she will give you a slip to fill out the necessary details needed. After filling the slip, such your name, address, the amount of money and your GCASH Mobile Phone then it’s time for the personnel to encode your details at their system.

3. They will ask for your money on the amount that you want to pay until they proceed for the transactions to finish.

4. Upon successful transaction they will give you a receipt of transaction and later on you will receive a confirmation text that you already received the Cash-in money.

5. The transactions is also is in real time and no service fee.

Overall the procedures took less than 5 minutes base on my experience. Now I have two options of funding my account its either 7 – Eleven or Puregold.