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Lender
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Bayad

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About lender

CIS Bayad Center, Inc., or simply Bayad, is one of the Philippines' largest and most diverse multi-channel payment platforms. With over 20 years of experience in the outsourced payment industry, Bayad is one of the most well-known and trusted names in bill payment.

Features

CIS Bayad Center, Inc., renamed Bayad in 2021, is one of the Philippines' largest payment centers, with over 40,000 outlets countrywide. You can find Bayad payment centers at malls, supermarkets, rural banks, pawnshops, and selected mini-stop branches countrywide. Bayad provides a mobile app that allows you to pay bills anytime and anywhere using your smartphone, making bill payment even easier for clients. The mobile app also includes a Bayad wallet, which you can top up using BPI or UnionBank online. You have credits in your wallet if you need to pay a bill.

Bayad guarantees real-time payment posting to prevent late and outstanding penalties when paying your payments. The app is still handy for clients who prefer to pay in person. It may notify you of upcoming due dates and show you the locations of nearby branches. So if you don't want to miss a payment, this is quite useful.

They are one of the pioneers and industry leaders in the bill payment business in the Philippines. It is conveniently placed in high-traffic areas and provides dependability through a powerful combination of a completely automated system and well-trained, customer-oriented personnel who handle payment transactions. They offer services like bill payment, insurance, remittance, loan payout, loading, ATM withdrawal, medical reimbursement, airline ticketing, etc.

They continue strategically growing their network by opening new branches and cooperating with large retail and community-based enterprises. They have penetrated conventional (over-the-counter) and digital (machines, web, mobile) channels to bring payment collection services closer to every Filipino, anytime, anywhere.

Pros and cons

Bayad Center is one of the market leaders in the outsourced payment collection sector in the Philippines. It continues to develop by offering a dependable bill collecting solution to its business clients and a simple bill payment alternative to every Filipino. Before using any of its services, it is essential to consider its advantages and disadvantages.

Pros

  • Their services are available both online and over the counter.
  • They provide excellent customer service.
  • The company has a mobile app, which aids with accessibility.
  • They offer a wide range of services.
  • They are one of the Philippines' most reputable bill payment platforms.

Cons

  • There isn't much information about the company and their services on its website.
  • Their customer support department is not available 24/7.

Products

As previously mentioned, Bayad provides a diverse range of products and services, some of which we will discuss in this part.

Bills payment

Several entities have agreements with Bayad Center to collect bill payments from their clients for their services via Bayad or Bayad online. Bayad bill payment is a payment transaction made by a consumer to a biller via Bayad or Bayad Center online. Some of the bills you can pay with Bayad are utilities, government services, telecommunications, cable TV, Internet insurance and pre-need healthcare, transportation, electronic wallets, credit cards, etc. Service fees differ based on the biller or the amount. So, be prepared to pay a service fee of ₱5 to ₱15 anytime you pay your bills at any Bayad Center.

Loading

Bayad Center also provides this simple service. You can purchase mobile phone credits for calls, messages, and data at any Bayad store or via the Bayad mobile app. They service Globe, Smart, Touch Mobile, Sun, Talk N Text, PLDT, and other networks.

ATM withdrawal

It is simple to withdraw money from the Bayad Center using your ATM card. Take your card to the nearest branch, input the PIN and the amount you wish to withdraw, and you're done. Following completion, you will be given a printed receipt.

Remittance

You can send money to individuals in the county and abroad swiftly and conveniently using the Bayad Center money transfer service. Remittance services make it simple to receive and transfer money abroad, no matter where you are. They provide dependable, quick, and trouble-free national and international money transfer services at any time and location.

Bayad

FAQ

What is Bayad?

Bayad is a multi-channel payment platform that provides the general public with a dependable and convenient bill payment solution.

Who owns Bayad?

Bayad Center is a wholly owned subsidiary of MERALCO and a member of the MVP group of enterprises.

How does Bayad work?

Customers can download the app, go to the website, log in, and choose a biller to pay, or go to any Bayad Center branch and inform the staff that they will be paying bills. Hand the slip and cash (no checks) to the clerk and wait for an email confirmation.

What is the maximum amount I can cash in through the Bayad Center?

The highest cash-in or transaction amount per day is ₱20,000.

What is the Bayad service charge?

Service charges differ based on the biller or the amount. So be prepared to pay a service fee of ₱5 to ₱15 anytime you pay your bills at any Bayad Center.

What maximum amount can be withdrawn using the Bayad POS withdrawal service?

You can withdraw up to ₱ 5,000 per transaction.

Where is the headquarters of Bayad?

Bayad is in the Philippines' Rizal province of Pasig.

Does the Bayad Center allow card payments?

Not all Bayad Center branches and billers allow credit card payments. Most Bayad business Centers still accept only cash as a payment method. If you prefer to pay your bills using a credit card, you may wish to use Bayad online instead. Credit card payments are accepted using this online bill payment method.

Customize your experience with this all-in-one pera transaction app.

© CIS BAYAD CENTER, INC.

Bayad available areas

  • Ilocos Region
  • Cagayan Valley
  • Central Luzon
  • CALABARZON
  • MIMAROPA Region
  • Bicol Region
  • Western Visayas
  • Central Visayas
  • Eastern Visayas
  • Zamboanga Peninsula
  • Northern Mindanao
  • Davao Region
  • SOCCSKSARGEN
  • Caraga
  • National Capital Region
  • Cordillera Administrative Region
  • BARMM
Bayad available areas

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Bayad
Loan
Rating by Finanso®
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What to pay attention to when applying for a loan at Bayad?

Recommendations

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