Linking Smart Money MasterCard to Paypal

Posted on by Caroline Siñel in Mobile Banking

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Smart Money MasterCard can be used to verify your Paypal account. It can also be used as backup funding source in case your Paypal balance is zero. I tested it and it works. Here’s how:

Smart Money Mastercard

  1. Apply for a Smart Money MasterCard. Click here and follow steps A to E.
  2. Learn about the unlock features of Smart Money MasterCard for offline and online purchase. There are two types of unlock in Smart Money:
    • Unlock for Offline Purchase. Offline purchasing is unlocked by default. When your card is unlocked, you can use your Smart Money MasterCard for shopping at any store that accepts MasterCard. To check its status, go to Smart Money > Card Mgmt > Txn Lock > Check Status.
    • Unlock for Online Purchase. Online purchasing is locked by default. It needs to be unlocked before purchasing online. To unlock, go to Smart Money > Internet Txns > Unlock. It automatically locks after 5 minutes.
  3. Build some credit history by using your Smart Money MasterCard online and offline
    • Use your Smart Money offline. Use your card to buy in a grocery store. When your parents/friends go grocery shopping, offer to pay their bill using your Smart Money MasterCard and in return, let them pay you in cash.
    • Use your Smart Money online. Donate $1 to Wikipedia. Choose Pay by Credit Card. Dont forget to unlock it.
  4. Login to Paypal and add your Smart Money MasterCard. Under Profile, choose Add/Edit Credit Card.Paypal add credit/debit card
    Make sure your Smart Money is unlocked for internet purchase before clicking Add Card. Paypal will charge $1 (non-refundable, converted to Peso) to your Smart Money MasterCard. Smart Money will send a text message:

    Approval of Php 44.29 purchase at PAYPAL Merchant from card Card Name. Avail Bal: Php XXXX.00 Ref: 123456

  5. Confirm your Smart Money MasterCard. Click Confirm My Card as shown below.Paypal confirm card 1
    Paypal confirm card 2
    When you click Continue, Paypal will charge Php 100 to your Smart Money MasterCard to make sure its yours. The charge creates a unique 4-digit code that will show up on a text message that will be sent by Smart Money:

    Approval of Php 100.00 purchase at PP*5465CODE Merchant from card Card Name. Avail Bal: Php XXXX.XX Ref: 123456

  6. Enter the code. If successful, the Php 100 charge will be refunded back to your Paypal account in dollars.
  7. Test it. Unlock your Smart Money MasterCard and donate $1 again to Wikipedia. But this time, choose Pay via Paypal. If your Paypal balance is zero, the $1 donation will be charged directly to your Smart Money MasterCard.

[Source: TipidPCMagos Biologis]


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40 Comments on Linking Smart Money MasterCard to Paypal

  1. hi!
    how do i unlock my smartmoney card if i want to add it to my paypal account?

    i found something from the net how to unlock and it says I have to go to the menu of my fone which is INTERNET TXN then choose unlock, unfortunately i dont have it. only TXN SUMMARY.

    pls advise,
    thanks.

    Reply

  2. Thanks a lot! I will try this later!;)

    Reply

  3. I just loaded P200 to my Smart Money account. Do I really need to use it first for my account to get verified? Because I tried several times already to verify my Paypal using Smart Money but it still was unsuccessful. I even called the Smart Money twice and I did as I was told, but it was still unsuccessful.

    Reply

  4. I don’t know what’s the problem with my smartmoney. I can’t link it to my paypal account. Can anyone help me? Thanks

    Reply

  5. Mine too! I cannot link my smartmoney card to Paypal.

    Reply

  6. does it need to have the same name and billing address ??? My smartmoney card is under my brother’s name but im the one using it both atm card and sim card.

    Reply

  7. Just got verified a while ago. For those who are not able to verify, pls. check if your card is already activated, it should be activated before you can use it to verify your paypal. And Unlock it for internet/online transactions first before submitting your card.

    Reply

  8. its been 1 week now since i withdrew money fom paypal to smartmoney but still i have not received any confirmation from my smartmoney that the money is already there..
    So stuck up such a waste of time, im losing my temper..

    Reply

  9. Withdrawing funds from paypal to smart money is very lousy and makes me lose my temper while waiting for a long time
    What should i do?

    Reply

  10. When i link my smart money to my PayPal account it was just a one time try… Until now I still can use it… Maybe you guys don’t follow the instructions…:) or you’re just unlucky….:p

    Reply

  11. you must have enough amount in your card to make the transaction successful

    Reply

  12. Jobelle Respecia October 9, 2013 at 8:47 pm

    Mine is successful….. thank you for your guide…

    Reply

  13. I can’t link my smart money card to my Paypal.. anyone help me plz,I try and try almost 20x , but still unsuccessful. Thanks

    Reply

  14. This really works. I didn’t have to purchase anything just to make it work. All I did was to make sure that I have sufficient funds in my SMART Money account and that I’ve unlocked my SMART Money Card first before continuing with adding my card. It took me several tries but finally I got it to work.

    Reply

  15. To those who can’t link, like I once did, make sure you unlock your card for online purposes. How? Look for INTERNET TXNS on your Smart money menu. If it is not there, like mine, you have to update your menu by texting INTERNET to 343. Then your menu will update and will show Internet Txns, and from there you can unlock it for internet purchases. That’s my troubleshoot.

    Reply

  16. I want to unlock my Smartmoney card I go to Smartmoney>Card Mgmt>Card Lock>Unlock>MySmartMoney1>Accept

    Then

    Error: E3 XX

    how am i supposed to unlock it?

    Reply

  17. Jestoni u Esperanza April 27, 2014 at 11:03 pm

    who is Clarriza C Lopez? why she is always seen when im searching my accounts?

    Reply

  18. I am a greenwall installer in the Philippines that want to link my smart money card with paypal to pay my landscape architect consultant. You can check out my site verticalgardenphilippines.weebly.com for more details. One thing I think that is missing from online guides is the fact that you need to have a regular load balance ( P30,up )or you will always receive an “insufficient load balance” error.

    Reply

  19. wow caroline it works!
    i’ve successfully linked my smartmoney to paypal,

    thank u so much. keep posting great articles.

    Reply

  20. I’m so glad.. having read your post.. very informative tnx. I’ll try this 🙂
    God Bless
    More power

    Reply

  21. To Gio Rosel
    after successfully linking
    smartmoney to paypal… have you tried doing withdrawal from paypal to your smartmoney account? How much is the fee for the withdrawal? I’m new to these kinds of money transfer transactions. I already got a paypal account & smartmoney account. Thank you.

    Reply

  22. How much is the maximum or limit of amount can you withdraw? I was able to verify my Paypal account using my smart money mastercard but i haven’t done any withdrawal yet

    Reply

  23. any one tried linking smart money to skrill?

    Reply

  24. Try using your Smart Money Card first like withdrawing or checking your balance in an ATM or using it to buy an inexpensive item in a grocery. Perhaps it needs to have a credit history or something before it gets recognized by PayPal.

    Reply

  25. Sinubukan ko pong iverify paypal ko using smart money, pero ganito po ang laging lumalabas:

    The bank that issued your card didn’t approve this transaction. Please contact the card issuer’s customer service department if you have any questions. Or you can add a different card now to continue.

    Naka unlock naman po ung internet transaction nung ginawa, may load din po ung sim ko at may balance akong 500 sa smart money ko.

    Patulong po. Salamat.

    Reply

  26. To: Mary:

    1. Fill up mo muna yung blank field. Make sure correct lahat ng nalagay mo.

    2. Make sure minimum of P15 sim balance for unlocking/locking your card. P2.50 per transaction yung charge diyan.

    3. Unlock your card. Wait for the confirmation message.

    4. Click Continue. Tapos ayun na mag charge ang paypal ng $1 or P43.00 plus P100.00.
    May marerecieve kang mga message kasama na yung paypal code example..PP*1234CODE. Yung 1234 yan yung confirmation code para maverify yung account mo.

    5. Lock your card.

    Thats all. I’ve done it once lang. 2 minutes lang verified na PAypal ko. hehe

    Reply

  27. Just got verified. Thanks a lot for this info. Very helpful.. 🙂

    Reply

  28. im done withdrawing money from my paypal account to my smart money card. how long does bdo process? paypal done completing transferring to bdo. do i receive notification text that my money is ready to withdraw on my card?. how long will it take to get into my card?

    Reply

  29. Ing aadd ko pa lang yung smart money card ko, pero ganito agad ang nag aappear:

    The bank that issued your card didn’t approve this transaction. Please contact the card issuer’s customer service department if you have any questions. Or you can add a different card now to continue.

    tinry ko na ng ilang beses, pero ganun pa rin, paubos na naman yung pinaload ko pero wala pa rin, everytime na i aadd ko yung card nag lolock ng automatic yung card ko, so kelangan ko ulit i unlock at another 2.50 charge na naman, may laman naman ang card ko na 400 php, ingtry ko ring mag donate sa wikipedia, pero nag aautomatic lock ang card ko, may pag asa pa bang maiverify o magamit ko yung smart money ko, activated naman po ito, I try to used this option kasi kahit yung metro bank card ko na add pero hindi naverify. thanks for the help

    Reply

  30. how can i unlock my account / smart money to purchase online ? help me please ?

    Reply

  31. hi, anyone knows how much transaction charge ng smart money pag nagwithdraw ng paypal balance papuntang smart money card/bdo bank account?

    Reply

  32. I tried and followed your instructions here many times but i cant link my card, it says there is a problem. I’m frustrated now using SM card, i cant use to buy online. I tried also every after 2 days in 2 months now. Very frustrating, i would rather use UNIONBANK

    Reply

  33. This is frustrating and irritating, i even tried other online shop that has direct CC transaction without using paypal, same problem. I can’t use it. You said that unlocking takes 5 minutes before automatically locked, but after unlocking my card it locks after a seconds. BLA BLA!!!

    Reply

  34. Ask ko lang po ahmmm pag pO ba nag avail ng smart money card dapat malaglalgay agad ng deposit sa card?
    And if ever na ma verify ung account card sa paypal automatic n po bang matatransfer yung funds n nasa paypal papunta dun sa ni.link na smart card ? Or manually dapat ang pagtransfer?
    Hope for any response
    Thanks

    Reply

  35. ang gling.. in 5 mins.nalink ko agad, eh kagagawa ko lang ng account sa paypal..tnx po

    Reply

  36. How to unlock and get verified? I’ll get smartmoney tomorrow

    Reply

  37. How to link my smart money to PayPal? I mean can I use my smart money to receive PayPal ?

    Reply

  38. can the smart money card be used for receiving PayPal payments?

    Reply

  39. hi sir. how to transfer smart money to paypal. do u need a card? like smart money card??

    Reply

  40. hellow guys i did put my smartmoney card should i need to put in bank account to withdraw money plss help how do i withdraw the funds in my paypal

    Reply