Payments

Over-the counter Payment
Online Payment Facilities
Digital (Mobile/Internet)
Employers’ On-line Payment Facility
Overseas Remittance

I. Over-the counter Payment:

Non-Bank
- Monthly Savings, MP2, Loan Amortization (Short Term Loan (MPL/Calamity) and Housing Loan) and eSRS employer payments
  - Bayad
- Monthly Savings, MP2 and Housing Loan Amortizations
Here’s how:
1. Fill out the require payment form from the collecting partner/s. Be sure that you know your MID, MP2 Account Number or Housing Account Number (HAN) - which you can get from your Monthly Billing Statement or previous Official Receipts.
  
  Note: If the wrong HAN is entered into the system of the collecting partner, the payment process may not continue or may be credited to another HL account. Make sure that you enter or indicate the correct information, especially the HAN when paying.
2. Pay your Pag-IBIG Fund due.
3. Receive the machine-validated Payment Slip indicating the Transaction Reference Number. This shall serve as your official receipt and proof of payment.
  
  Note: The collecting partner will receive HL payments even for accounts that are not updated or current payments made after due date.
Bank
- Monthly Savings, MP2, Housing Loan Amortizations and eSRS employer payments
  - Asia United Bank (AUB)
    - AUB Process Flow
      Acceptance of remittance/payment for Membership Savings, Modified Pag-IBIG II, Housing Loan, Multi-Purpose Loan, Calamity Loan, eSRS, and Other Amounts Due to Pag-IBIG Fund (soon) of Pag-IBIG member/member-borrower/employer.
- Housing Loan Amortizations only (current/updated accounts only)
  - MetroBank (MBTC)
    1. System Administration
    2. Pay Bills
  - Land Bank of the Philippines (LBP)

II. Online Payment Facilities:

Debit/Credit Card powered by Visa & Mastercard and JCB Card
1. Log in to Pag-IBIG Fund website at www.pagibigfund.gov.ph.
2. Click “E-Services” and select “Online Payment Facilities”.
3. Under Online Payment Facilities, accomplish the following required information to pay:
  - Membership Category (Local or Overseas)l
  - Pag-IBIG Membership Identification (MID) No./Registration Tracking No. (RTN) [ How to get MID/RTN ]
  - Payment Type:
    - Membership Savings (MS) – Membership Identification (MID)
    - Modified Pag-IBIG2 (MP2) – MP2 Account Number
    - Short Term Loan (STL (MPL or CL) – Membership Identification (MID)
    - Housing Loan Amortization – Housing Account Number (HAN)
  - Amount Due:
    - Minimum amount of Php100.00 for MS
    - Minimum of Php500.00 for MP2 payments
    - Exact Amount – for STL payments
    - Any Amount – for Housing Loan Amortization
  - Period Covered
  - Member’s Cell Phone Number/Email Address
    
    NOTES: The following information must be accomplished in the Payment Slip:
    - The member’s name will appear upon system validation of MID No.
    - Once the corresponding monthly savings is encoded, the Total Amount Due to be deducted from the credit card will be displayed including the Convenience Fee charged.
    - The system will only accept payment for current and future monthly savings.
4. Select what mode will be used for receiving the payment confirmation (thru SMS [member’s cell phone number] and/or Email [member’s email address]) and supply the needed cell phone number and/or email address.
5. Enter the code (CAPTCHA) and agree on “Terms and Conditions” then click “Proceed.”
6. The system will display “Payment Summary.” You will be asked to check payment details prior to proceed with payment and click “Submit.”
7. Choose what Debit/Credit Card will be used for payment.
8. Accomplish and confirm required debit/credit card details (i.e., debit/credit card no., expiration date, etc.).
  
  NOTES: The following information in Payment Slip must be accomplished:
  - Once payment transaction is completed, the Payment Result will be displayed reflecting the Merchant Reference No. and Payment Reference No. which shall serve as proof of payment.
  - The member will receive an SMS or Email notification concerning the transaction.
Pay by Maya (formerly PayMaya)
1. Log in to Pag-IBIG Fund website at www.pagibigfund.gov.ph and select “e-services”.
2. Select “Online Payment Facilities” under OTHER SERVICES and provide the following payment details:
  - Program Type (i.e, MS, MP2, Housing Loan, STL)
  - Membership Category (i.e., local or overseas)
  - Pag-IBIG ID Number
  - Member/Borrower’s Name
  - Period Covered To/From
  - Period Covered Duration
  - Amount
  - Mobile Phone Number
  - Email Address
  Note: A corresponding convenience fee, as indicated in the approved Memorandum of Agreement (MOA) shall apply for every payment transaction.
3. Enter the Computer Automated Public Turing Test to Tell Computers and Humans Apart (CAPTCHA) and agree on the terms and conditions by selecting the check box on the lower portion of the screen page.
4. Select “PROCEED” to confirm the payment details.
5. Provide the following card information and select “Pay”:
  - Card Number
  - Card Type
  - Expiration Date
6. Enter the card’s passkey and select “Submit” button.
  
  Notes:
  1. If payment transaction failed, the member/borrower may opt to return to Pag-IBIG Fund Online Payment Facilities main page.
  2. Once payment transaction is completed, the Payment Result shall be displayed reflecting the Merchant Reference Number and Payment Reference Number which shall serve as proof of payment.
  3. The member/borrower shall receive an email or SMS notification concerning payment confirmation.
  4. If the member/borrower has no credit/debit/prepaid card, may still pay thru “Pay by Maya (formerly PayMaya)”, below shall be the processes:
    - Select “Pay by Maya (formerly PayMaya)” and encode the registered mobile phone number and PIN.
    - Select “Ok” to proceed.
      
      Note:
      - The system shall automatically debit the member/borrower’s Maya wallet as remittance/payment to Pag-IBIG Fund’s MS/MP2/loan amortization.
      - Upon successful transaction, the member/borrower shall receive an email notification reflecting the Transaction Reference Number (TRN) which shall serve as proof of payment in lieu of the Pag-IBIG Fund Official Receipt (PFOR).

III. Digital (Mobile/Internet) - Non-Bank

GCash
1. Register to GCash using your mobile number (ANY MOBILE NETWORK)
  - Download and Register on GCash via Apple Store or Google Playstore
  - Select “GCash”, and “REGISTER”. Enter details as required.
  - Enter registration details and you will be asked to confirm the details entered and agree on the “Terms and Conditions”.
  - Once transaction is successfully completed, you will receive an acknowledgement reflecting the successful registration and an instruction to change the MPIN for security purposes.
2. Convert Cash to GCash (Cash-in)
  You can cash through:
  1. Go to the app and select Cash-in via online bank accounts available on the options OR
    Go to your nearest GCash outlet to fund your GCash wallet.
  2. You will receive an sms notification that your GCash Fund has been credited to your account
  3. Your money is now converted to GCash.
  4. Use your GCash wallet in paying your Pag-IBIG Fund’s MS/MP2/Housing loan amortization.
3. Once your GCash wallet has been funded, you can pay your Pag-IBIG Fund’s MS/MP2/Housing loan amortization, as follows:
  - Dial *143# and choose GCash.
  - Enter the required details.
  - Once payment details are accomplished, a Transaction Summary will be displayed reflecting the program type and amount.
  - Confirmed the amount, type of transaction and PRN to complete the transaction.
  - Upon confirmation, you will receive an electronic acknowledgement message
  Note: You can also access GCash via Mobile App. Download is free thru App Store, Google Play or Blackberry Appworld.
Coins.ph powered by Bayad
1. Create a Coins.ph account
2. Cash in at 7-Eleven
3. Tap Pay Bills & choose the type of Pag-IBIG Fund payment you need to make
  1. Membership Savings
  2. Modified Pag-IBIG II
  3. Short Term Loan Amortization (MPL & Calamity)
  4. Housing Loan Amortization
4. Enter your Pag-IBIG details and slide to pay
  1. MID for membership savings and Short-Term Loan Amortization
  2. MP2 Account Number for the Modified Pag-IBIG2
  3. Housing Account Number (HAN) for housing loan amortization
5. Upon confirmation, you will receive an electronic acknowledgement message.
Pay by Maya (formerly PayMaya)
1. Set Up of Maya Account
2. Pag-IBIG Bills Pay Experience
ECPay
7-11 powered by ECPay
1. Visit the ECPay website at https://ecpay-online.ph/eApplication.
2. The User is required to register using a Mobile Number. Password is also necessary for security reasons.
3. Input your Pag-IBIG details then click “Validate”. The member-borrower will be able to see his/her payment details (e.g. Area Code, Contact Number, and the Amount to be paid). Also, the member-borrower may opt to change the amount to be paid.
  1. MID for membership savings
  2. MP2 Account Number for the Modified Pag-IBIG2
  3. Housing Account Number (HAN) for housing loan amortization
4. Upon clicking the 7-Eleven button, User will be re-directed to 7-Eleven’s Payment Instruction Page.
5. User must present the Payment Instruction Page to any 7-Eleven branch for the payment.
6. A printed receipt will be issued as a confirmation that your transactions has been processed successfully.
Shopee
1. Pag-IBIG Activation on Shopee
2. PAG-IBIG User Journey with Narrative for Bills Payment via Shopee
SNDT Express

III. Digital (Mobile/Internet) - Bank

UCPB
- FOR INTERNET BANKING
  Log in via UCPB Connect and follow these steps:
  
  To enroll as a biller:
  1. Select “Enroll Biller” under “Payment”
  2. Select “Pag-IBIG Individual” or “Pag-IBIG Employer” as Biller
  3. For Individual, select payment type:
    - Membership Savings
    - Modified Pag-IBIG II Savings
    - Housing Loan
  4. Enter the Subscriber Number and Billing Account Name
  5. Select “Add New”
  To pay:
  1. Generate transaction password via SMS or email
  2. Select “Pay Bills” under “Payment”
  3. Select the enrolled Pag-IBIG payment type, account to be debited and Pag-IBIG reference number
  4. Enter the amount and other payment details
  5. Proceed to payment using your transaction password
- FOR MOBILE BANKING
  Log in via UCPB Connect and follow these steps:
  1. Select “Pay Bills”
  2. Select “Pag-IBIG Individual” or “Pag-IBIG Employer” under Government tab
  3. For Individual, select payment type:
    - Membership Savings
    - Modified Pag-IBIG II Savings
    - Housing Loan
  4. Select the account number to be debited
  5. Enter the Pag-IBIG reference number, amount and other payment details
  6. Tap “Ok” to confirm payment and enter your log in password to authenticate transaction
  A transaction fee of Php 5.00 will be debited from your account.

AUB
- FOR ONLINE BANKING
  
  Pag-IBIG member/member-borrower/employer with existing AUB Preferred Accounts and enrolled in AUB’s Online Banking may pay through AUB’s Preferred Online Banking.
  1. Log in to AUB Preferred Online Banking account at https://ebanking.asiaunited.com.ph/eBanking/ and key in the 6-digit code from your Security Token.
  2. Click the Pay Bills icon on the left side Transaction Menu.
  3. If with multiple accounts enrolled, select the Source Account No. then tap the Biller Institution to see the dropdown.
  4. Select Pag-IBIG Fund from the list of billers and fill out the required information.
    
    Input the Payment Type:
    - Membership Savings
    - Modified Pag-IBIG II Savings
    - Housing Loan
    - Multi-Purpose Loan
    - Calamity Loan
    - eSRS
    - Other Amounts Due (soon)
    Input the applicable Pag-IBIG number:
    - Pag-IBIG Membership ID (MID) for:
      1. Membership Savings,
      2. Multi-Purpose Loan; and
      3. Calamity Loan
    - MP2 Account Number for Modified Pag-IBIG II Savings
    - Housing Account Number (HAN) for Housing Loan
    - Payment Instruction Number (PIN) for eSRS
    Input other required information:
    - Last Name: (Mandatory)
    - First Name: (Mandatory)
    - Period Covered: (Mandatory)
    - Acceptable Amount:
  5. A pop up dialogue box will appear then click OK and key in the 6-digit code from your Security Token.
  6. AUB will provide a system-generated transaction receipt as proof of successful payment.
- FOR MOBILE BANKING
  Pag-IBIG member/member-borrower/employer with existing AUB Preferred Accounts and enrolled in AUB’s Mobile Banking may pay through the AUB Mobile App.
  1. Log in to your Mobile Banking account via the AUB Mobile App.
  2. Tap the Pay Bills icon.
  3. If you have multiple accounts enrolled, select the Source Account No. then tap the Biller Institution to see the dropdown.
  4. Select Pag-IBIG Fund from the list of billers and fill out the required information.
    
    Input the Payment Type:
    - Membership Savings
    - Modified Pag-IBIG II Savings
    - Housing Loan
    - Multi-Purpose Loan
    - Calamity Loan
    - eSRS
    - Other Amounts Due (soon)
    Input the Pag-IBIG number:
    - Pag-IBIG Membership ID (MID) for:
      1. Membership Savings,
      2. Multi-Purpose Loan; and
      3. Calamity Loan
    - MP2 Account Number for Modified Pag-IBIG II Savings
    - Housing Account Number (HAN) for Housing Loan
    - PIN for eSRS
    Input other required information:
    - Last Name: (Mandatory)
    - First Name: (Mandatory)
    - Period Covered: (Mandatory)
    - Acceptable Amount:
  5. Once done, click Continue.
  6. You will be redirected to the Confirmation Page. Review and tap the Confirm button.
  7. AUB will provide a system-generated transaction receipt as proof of successful payment.
- FOR HelloMoney / Hello Pag-IBIG Mobile App
  Pag-IBIG member/member-borrower/employer with existing HelloMoney or Hello Pag-IBIG accounts may pay through the HelloMoney or Hello Pag-IBIG App.
  1. Log in to your HelloMoney or Hello Pag-IBIG account.
  2. Tap the Pay Bills icon.
  3. Select Pag-IBIG Fund from the list of billers and fill out the required information.
    
    Input the Payment Type:
    - Membership Savings
    - Modified Pag-IBIG II Savings
    - Housing Loan
    - Multi-Purpose Loan
    - Calamity Loan
    - eSRS
    - Other Amounts Due (soon)
    Input the Pag-IBIG number:
    - Pag-IBIG Membership ID (MID) for:
      1. Membership Savings,
      2. Multi-Purpose Loan; and
      3. Calamity Loan
    - MP2 Account Number for Modified Pag-IBIG II Savings
    - Housing Account Number (HAN) for Housing Loan
    - PIN for eSRS
    Input other required information:
    - Last Name: (Mandatory)
    - First Name: (Mandatory)
    - Period Covered: (Mandatory)
    - Acceptable Amount:
  4. Once done, click Continue.
  5. You will be redirected to the Confirmation Page. Review and tap the Confirm button.
  6. AUB will provide a system-generated transaction receipt as proof of successful payment.
- Payments to AUB through Other Banks via InstaPay – Individual Payor
  1. Log in to your other Banks’ online banking account.
  2. Click the Select the Fund Transfer via InstaPay option.
  3. Select the receiving Bank as “Asia United Bank (AUB)” and fill out the required information.
    - In the Account Number type: BIN + applicable Pag-IBIG Number
      1. BILLER ID NO (BIN)
      2. 8001 – for MP2 Payments
      3. 8002 – for Housing Loan Payment
      4. 8003 – for Membership Savings
      5. 8004 – for Calamity Loan
      6. 8005 – for Multipurpose Loan
      1. Pag-IBIG ID Number:
      1. MID – for MS, MPL & CL Payment
      2. MP2 Account No.- for MP2 Payment
      3. HAN - for Housing Loan Payment
    - Use the BIN as the first 4 digits, then add the 12-digit Pag-IBIG ID number as the 5th to 16th digit
      1. Example No.1
      2. Example No. 2
    - In the Account Name, type the Borrower Name
    - Other details: Use Others and/or add some remarks (depends on the other bank)
  4. Proceed with the transaction.
  5. The Sender Bank will provide a transaction receipt as proof of successful payment

Metrobank
1. FOR ONLINE BANKING
2. FOR MOBILE BANKING

IV. Employers’ On-line Payment Facility of Monthly Savings/ MP2 / STL (MPL / CALAMITY) at the following:

Union Bank of the Philippines (UBP) - MP2 not yet available
Bank of the Philippine Islands (BPI)
Land Bank of the Philippines (LBP)
Security Bank Corporation (SBC) - MP2 not yet available
BancNet
1. ASIA UNITED BANK (AUB)
2. BDO NETWORK BANK (BDO NB)
3. BANCO DE ORO/BDO UNIBANK
4. BANK OF COMMERCE (BankCom)
5. BANK OF TOKYO
6. CHINA BANK/CHINA BANKING CORPORATION
7. CITIBANK N.A.
8. CITYSTATE SAVINGS BANK
9. CTBC BANK
10. DEUTSCHE BANK
11. DEVELOPMENT BANK OF THE PHILIPPINES (DBP)
12. EAST WEST BANK
13. LUZON DEVELOPMENT BANK (LDB)
14. MAYBANK
15. METROBANK/METROPOLITAN BANK & TRUST COMPANY
16. PHILIPPINE BANK OF COMMUNICATIONS (PBCOM)
17. PHILIPPINE NATIONAL BANK (PNB)
18. PHILIPPINE VETERANS BANK (PVB)/VETERANS BANK
19. PHILTRUST BANK
20. RIZAL COMMERCIAL BANKING CORPORATION (RCBC)
21. ROBINSONS BANK (RBank)
22. STANDARD CHARTERED
23. STERLING BANK OF ASIA
24. UNITED COCONUT PLANTERS BANK (UCPB)/LANDBANK OF THE PHILIPPINES (LBP)

Note:
* Rizal Commercial Banking Corporation (RCBC) and RCBC Savings Bank (RSB) have merged last July 22, 2019.
* UCPB merged with Land Bank of The Philippines last March 1, 2022

Here’s how:

Enroll with bank’s electronic collection facility
1. Accomplish bank’s enrollment form and comply with bank’s requirements
2. Once approved, the bank shall provide you access (bank provides user ID and passwords) to its electronic collection facility.

Remit Membership Savings (MS)/ Modified Pag-IBIG2 (MP2) / Short Term Loan (Multi-Purpose Loan (MPL)/Calamity) Amortizations
1. Log in to the bank’s website (or to the Pag-IBIG website – click the bank’s logo and it will automatically link to the bank’s website); upload collection file based on Pag-IBIG Fund’s file structure format.
2. Registered Authorizer(s) of employer receives electronic notification for each successful upload.
3. Registered Authorizer(s) of employer approves payment for MSS/STL
4. For successful transaction the Transaction Reference Number shall be displayed.
5. Retrieves electronic receipt from the system/Print Transaction Reference Number (TRN) to serve as proof of payment in lieu of Pag-IBIG Fund Receipt (PFR).

V. Overseas Remittance of Monthly Savings/Loan Amortizations at the following Collecting Agents and its Remittance Company partners:

Philippine National Bank (PNB)
Asia United Bank (AUB)
1. I-Express Remit Mo Sa Pag-IBIG Process Flow
  1. Secure and accomplish Partner’s Remittance Application Form.
  2. Pay Members Savings (MS) / Modified Pag-IBIG 2 (MP2) / Short Term Loan (STL) (Multipurpose Loan (MPL) / Calamity Loan)/ Housing Loan (HL)
  3. You will receive the machine-validated Transaction Slip, which will serve as your official receipt in lieu of Pag-IBIG Fund Official Receipt (PFOR).
2. I-Text Mo Sa Pag-IBIG Process Flow
  1. Secure and accomplish Partner’s Remittance Application Form.
  2. Send Redi Money Number together with the following whichever is applicable through Short Messaging System (SMS) via mobile phone:
    - Membership Identification (MID) Number for Members Savings (MS) / Short Term Loan (STL) - Multipurpose Loan (MPL) / Calamity Loan
    - Modified Pag-IBIG 2 (MP2) Number
    - Housing Account Number (HAN)
  3. You will receive a text message for every successful payment transaction.
3. Foreign Tie Ups
iRemit
1. iRemit Process Flow
  1. Accomplish and submit iRemit Remittance Application Form and Auxiliary Service Form to iRemit Teller.
    
    NOTES:
    - The amount specified in the payment/remittance form must be in Philippine Peso for payment of Members Savings (MS)/ Modified Pag-IBIG 2 (MP2) / Short Term Loan (STL) (Multipurpose Loan (MPL) / Calamity Loan) / Housing Loan (HL)
    - The U.S. dollar is converted to the local currency using the prevailing local currency/US$ rate as determined by iRemit.
  2. Upon settlement, you will receive a validated Official Receipt (OR), reflecting a unique reference transaction number from iRemit Teller which will serve as proof of payment.
2. i-Remit list of Partners/Tie-Ups
VENTAJA
1. VENTAJA Process Flow
  1. Accomplish and submit Remittance Application Form as basis for payment details.
    
    NOTES:
    - The amount specified in the payment/remittance form must be in Philippine Peso for payment of of Members Savings (MS)/ Modified Pag-IBIG 2 (MP2) / Short Term Loan (STL) (Multipurpose Loan (MPL) / Calamity Loan) / Housing Loan (HL)
    - The U.S. dollar is converted to the local currency using the prevailing local currency/US$ rate as determined by Ventaja’s tie up Remittance partner.
  2. Upon settlement, you will receive an official Remittance Receipt reflecting a unique reference transaction with attached Ventaja’s valid receipt which will serve as proof of payment.
2. Ventaja List of Partners
3. Ventaja List of Agents
List of PAYKII Inc.