PayMaya offers a virtual card by simply registering via their PayMaya mobile app. If you want a GCash debit card alternative, you can definitely use PayMaya abroad and withdraw your funds using a physical PayMaya card.
Since the premise of PayMaya is principally for the purposes of a virtual card, no physical card is provided for the virtual card number you enrolled to by default on the PayMaya mobile app. It is important to note that you can have 2 or more PayMaya physical cards which you can order on the PayMaya website online or in PayMaya booths in malls. Once you have the PayMaya physical cards on hand, you can proceed to link them to your PayMaya virtual card. The mobile app is pretty straightforward when it comes to linking the physical cards. Once your physical cards are confirmed linked, the balance is shared among your physical cards and the virtual card number.
But how do you use your PayMaya abroad? First, you need to ask yourself if you used your postpaid or a prepaid number as your PayMaya login credential. Although you can use your TM or Globe mobile number to initially register with PayMaya, the critical distinction to make is the postpaid or prepaid number.
With a prepaid number, all you need to make sure is top it up with PhP100 for international roaming. With a postpaid number, you will be charged a PhP500 or so per day which is not ideal when you are staying overseas for long.
Second, you need to make sure you have logged in to your PayMaya mobile app before traveling out of the country. Some time ago PayMaya added a security feature for its users via a verification code that can only be sent to your registered mobile number.
If you registered with your postpaid number as your PayMaya login credential, it means you will need to keep your sim inserted to get the verification code.
The good news is you can still view your PayMaya funds but it will have to be on an ATM machine overseas and not on your smartphone’s screen. Using the PayMaya physical card, you can inquire about your balance by doing a balance inquiry.