Frequently Asked Questions (FAQs)

Gusto ko magpadala ng pera through a Smart Padala Agent

  1. Paano mag-send at mag-receive ng pera through a Smart Padala Agent?

    There are two ways to choose from:

    DIRECT TO ANOTHER SMART PADALA AGENT

    • How to sendHow to receive
    • 1. Mag-fill out ng transaction slip at i-present ang one (1) valid ID.1. Mag-fill out ng transaction slip at isulat ang natanggap na reference number. Mag-present rin ng one (1) valid ID sa pag-claim ng remittance.
    • 2. Ibigay ang transaction slip sa Smart Padala agent kasama ng mobile number ng receiver. Iabot ang pera at ang corresponding service fee sa agent.2. Ipakita sa agent ang natanggap na confirmation text containing the reference number.
    • 3. Confirm your transaction slip. I-double check ang details and sign your transaction slip. Your receiver will receive a confirmation text message with a Reference No. Your Padala is now successful!3. Confirm your transaction slip. Pirmahan and receive your transaction slip. Siguraduhing tama at kumpleto ang natanggap na pera. Libre ang pag-claim!

      *Simula August 1, 2017

    DIRECT TO/FROM A SMART MONEY ACCOUNT

    • How to sendHow to receive
      • 1. Para magpadala ng pera gamit ang Smart Money, pumunta sa Smart Menu at piliin ang Smart Money.
      • 2. Piliin ang Transfer and press OK.
      • 3. Piliin ang Others and press OK.
      • 4. I-enter ang mobile number ng receiver or Smart Money account number and press OK.

        *Note: Kapag hindi mahanap ang "Enter Mobile No." sa screen, i-text ang UPDATE MONEY to 343.
      • 5. Press OK kapag ang "Transfer from?" appears on the screen.







      1. Makakatanggap ka ng confirmation text message from Smart Padala na may natanggap ka nang padala.
      • 6. Pumili sa list ng Smart Money Card names and press OK.
      • 7. I-enter ang amount na ipapadala. Gamit ang # instead of a decimal point. Ex: Para i-enter ang 100.50, i-type ang 100#50.

        *Note: Pwede ka magpadala up to P10,000.
      • 8. Lalabas ang confirmation ng transaction mo. Validate na tama ang amount at receiver details, and press OK.
      • 9. I-enter ang 6-digit W-PIN and press OK.
      • 10. Ikaw ay makakatanggap ng free text message na nagsasabi na successful ang iyong transaction.









      2. I-check ang balance. I-verify ang natanggap na pera.
    Para malaman kung magkano ang Smart Padala fees, Click here.

  2. Saan may Smart Padala Agent?

    Para mahanap ang pinakamalapit na Smart Padala agent, click here.

  3. Magkano ang fees para mag send ng remittance sa Smart Padala Agent?

    Effective August 1, 2017, Smart Padala customers using the remittance service will only be charged when sending. Claiming of remittance will be free of charge. Service fee will be as follows:


    Amount Minimum Maximum
    Service Fee
    1.00 1,000.00 30.00
    1,000.01 1,500.00 45.00
    1,500.01 2,000.00 60.00
    2,000.01 2,500.00 75.00
    2,500.01 3,000.00 90.00
    3,000.01 3,500.00 105.00
    3,500.01 4,000.00 120.00
    4,000.01 4,500.00 135.00
    4,500.01 5,000.00 150.00
    5,000.01 5,500.00 165.00
    5,500.01 6,000.00 180.00
    6,000.01 6,500.00 195.00
    6,500.01 7,000.00 210.00
    7,000.01 7,500.00 225.00
    7,500.01 8,000.00 240.00
    8,000.01 8,500.00 255.00
    8,500.01 9,000.00 270.00
    9,000.01 9,500.00 285.00
    9,500.01 10,000.00 300.00
    10,000.01 10,500.00 315.00
    10,500.01 11,000.00 330.00
    11,000.01 11,500.00 345.00
    11,500.01 12,000.00 360.00
    12,000.01 12,500.00 375.00
    12,500.01 13,000.00 390.00
    Amount Minimum Maximum
    Service Fee
    13,000.01 13,500.00 405.00
    13,500.01 14,000.00 420.00
    14,000.01 14,500.00 435.00
    14,500.01 15,000.00 450.00
    15,000.01 15,500.00 465.00
    15,500.01 16,000.00 480.00
    16,000.01 16,500.00 495.00
    16,500.01 17,000.00 510.00
    17,000.01 17,500.00 525.00
    17,500.01 18,000.00 540.00
    18,000.01 18,500.00 555.00
    18,500.01 19,000.00 570.00
    19,000.01 19,500.00 585.00
    19,500.01 20,000.00 600.00
    20,000.01 20,500.00 615.00
    20,500.01 21,000.00 630.00
    21,000.01 21,500.00 645.00
    21,500.01 22,000.00 660.00
    22,000.01 22,500.00 675.00
    22,500.01 23,000.00 690.00
    23,000.01 23,500.00 705.00
    23,500.01 24,000.00 720.00
    24,000.01 24,500.00 735.00
    24,500.01 25,000.00 750.00
    Amount Minimum Maximum
    Service Fee
    25,000.01 25,500.00 765.00
    25,500.01 26,000.00 780.00
    26,000.01 26,500.00 795.00
    26,500.01 27,000.00 810.00
    27,000.01 27,500.00 825.00
    27,500.01 28,000.00 840.00
    28,000.01 28,500.00 855.00
    28,500.01 29,000.00 870.00
    29,000.01 29,500.00 885.00
    29,500.01 30,000.00 900.00
    30,000.01 30,500.00 915.00
    30,500.01 31,000.00 930.00
    31,000.01 31,500.00 945.00
    31,500.01 32,000.00 960.00
    32,000.01 32,500.00 975.00
    32,500.01 33,000.00 990.00
    33,000.01 33,500.00 1,005.00
    33,500.01 34,000.00 1,020.00
    34,000.01 34,500.00 1,035.00
    34,500.01 35,000.00 1,050.00
    35,000.01 35,500.00 1,065.00
    35,500.01 36,000.00 1,080.00
    36,000.01 36,500.00 1,095.00
    36,500.01 37,000.00 1,110.00
    37,000.01 37,500.00 1,125.00
    Amount Minimum Maximum
    Service Fee
    37,500.01 38,000.00 1,140.00
    38,000.01 38,500.00 1,155.00
    38,500.01 39,000.00 1,170.00
    39,000.01 39,500.00 1,185.00
    39,500.01 40,000.00 1,200.00
    40,000.01 40,500.00 1,215.00
    40,500.01 41,000.00 1,230.00
    41,000.01 41,500.00 1,245.00
    41,500.01 42,000.00 1,260.00
    42,000.01 42,500.00 1,275.00
    42,500.01 43,000.00 1,290.00
    43,000.01 43,500.00 1,305.00
    43,500.01 44,000.00 1,320.00
    44,000.01 44,500.00 1,335.00
    44,500.01 45,000.00 1,350.00
    45,000.01 45,500.00 1,365.00
    45,500.01 46,000.00 1,380.00
    46,000.01 46,500.00 1,395.00
    46,500.01 47,000.00 1,410.00
    47,000.01 47,500.00 1,425.00
    47,500.01 48,000.00 1,440.00
    48,000.01 48,500.00 1,445.00
    48,500.01 49,000.00 1,470.00
    49,000.01 49,500.00 1,485.00
    49,500.01 50,000.00 and above 1,500.00

    *For the latest service fee in Quezon and Bicol Region, please click here.

  4. Magkano ang magpatop-up o mag-encash sa Smart Padala agents using my Smart Money account?

    Effective August 1, 2017, ang fees para mag top-up o mag-encash gamit ang iyong Smart Money at any Smart Padala agent ay P15 for the first P1,000. Magdagdag lang ng P7.50 for every additional P500 na top-up o encashment amount. Walang charge o fee sa pagtanggap ng funds sa Smart Money. See top-up and encashment fees below:


    Amount Minimum Maximum
    Service Fee
    1.00 1,000.00 15.00
    1,000.01 1,500.00 22.50
    1,500.01 2,000.00 30.00
    2,000.01 2,500.00 37.50
    2,500.01 3,000.00 45.00
    3,000.01 3,500.00 52.50
    3,500.01 4,000.00 60.00
    4,000.01 4,500.00 67.50
    4,500.01 5,000.00 75.00
    5,000.01 5,500.00 82.50
    5,500.01 6,000.00 90.00
    6,000.01 6,500.00 97.50
    6,500.01 7,000.00 105.00
    7,000.01 7,500.00 112.50
    7,500.01 8,000.00 120.00
    8,000.01 8,500.00 127.50
    8,500.01 9,000.00 135.00
    9,000.01 9,500.00 142.50
    9,500.01 10,000.00 150.00
    10,000.01 10,500.00 157.50
    10,500.01 11,000.00 165.00
    11,000.01 11,500.00 172.50
    11,500.01 12,000.00 180.00
    12,000.01 12,500.00 187.50
    12,500.01 13,000.00 195.00
    Amount Minimum Maximum
    Service Fee
    13,000.01 13,500.00 202.50
    13,500.01 14,000.00 210.00
    14,000.01 14,500.00 217.50
    14,500.01 15,000.00 225.00
    15,000.01 15,500.00 232.50
    15,500.01 16,000.00 240.00
    16,000.01 16,500.00 247.50
    16,500.01 17,000.00 255.00
    17,000.01 17,500.00 262.50
    17,500.01 18,000.00 270.00
    18,000.01 18,500.00 277.50
    18,500.01 19,000.00 285.00
    19,000.01 19,500.00 292.50
    19,500.01 20,000.00 300.00
    20,000.01 20,500.00 307.50
    20,500.01 21,000.00 315.00
    21,000.01 21,500.00 322.50
    21,500.01 22,000.00 330.00
    22,000.01 22,500.00 337.50
    22,500.01 23,000.00 345.00
    23,000.01 23,500.00 352.50
    23,500.01 24,000.00 360.00
    24,000.01 24,500.00 367.50
    24,500.01 25,000.00 375.00
    Amount Minimum Maximum
    Service Fee
    25,000.01 25,500.00 382.50
    25,500.01 26,000.00 390.00
    26,000.01 26,500.00 397.50
    26,500.01 27,000.00 405.00
    27,000.01 27,500.00 412.50
    27,500.01 28,000.00 420.00
    28,000.01 28,500.00 427.50
    28,500.01 29,000.00 435.00
    29,000.01 29,500.00 442.50
    29,500.01 30,000.00 450.00
    30,000.01 30,500.00 457.50
    30,500.01 31,000.00 465.00
    31,000.01 31,500.00 472.50
    31,500.01 32,000.00 480.00
    32,000.01 32,500.00 487.50
    32,500.01 33,000.00 495.00
    33,000.01 33,500.00 502.50
    33,500.01 34,000.00 510.00
    34,000.01 34,500.00 517.50
    34,500.01 35,000.00 525.00
    35,000.01 35,500.00 532.50
    35,500.01 36,000.00 540.00
    36,000.01 36,500.00 547.50
    36,500.01 37,000.00 555.00
    37,000.01 37,500.00 562.50
    Amount Minimum Maximum
    Service Fee
    37,500.01 38,000.00 570.00
    38,000.01 38,500.00 577.50
    38,500.01 39,000.00 585.00
    39,000.01 39,500.00 592.50
    39,500.01 40,000.00 600.00
    40,000.01 40,500.00 607.50
    40,500.01 41,000.00 615.00
    41,000.01 41,500.00 622.50
    41,500.01 42,000.00 630.00
    42,000.01 42,500.00 637.50
    42,500.01 43,000.00 645.00
    43,000.01 43,500.00 652.50
    43,500.01 44,000.00 660.00
    44,000.01 44,500.00 667.50
    44,500.01 45,000.00 675.00
    45,000.01 45,500.00 682.50
    45,500.01 46,000.00 690.00
    46,000.01 46,500.00 697.50
    46,500.01 47,000.00 705.00
    47,000.01 47,500.00 712.50
    47,500.01 48,000.00 720.00
    48,000.01 48,500.00 727.50
    48,500.01 49,000.00 735.00
    49,000.01 49,500.00 742.50
    49,500.01 50,000.00 and above 750.00


    *Note: Smart Money users should be able to present their virtual account and/or Smart Money card when availing of top-up or encashment service.

  5. Ano-ano ang mga requirements para makapagpadala o makapag-encash sa Smart Padala Agents?

    Isang valid ID lang ang kailangan para makapagpadala! Para makapag-encash, alamin ang Reference No. ng transaksyon at magdala ng isang Valid ID.

    List of Valid ID’s

    • Passport including those issued by foreign governments
    • Driver’s License
    • Professional Regulation Commission (PRC) ID
    • National Bureau of Investigation (NBI) Clearance
    • Police Clearance
    • Postal ID
    • Voter’s ID
    • Tax Identification Number
    • Barangay Certification
    • Government Service Insurance System (GSIS) E-card
    • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
    • Department of Social Welfare and Development (DSWD) Certification
    • Integrated Bar of the Philippines ID
    • Social Security System
    • Senior Citizen Card
    • Overseas Workers Welfare Administration
    • Seaman’s Book
    • Alien Certification of Registration/Immigrant Certificate of Registration
    • Government Office and GOCC ID e.g Armed Forces of the Philippines (AFP ID), Home Development Mutual Fund (HDMF ID)
    • ID Issued by the National Council on Disability Affairs (NCDA);
    • Company ID’s issued by private entities or institutions registered with or supervised or Regulated either by the BSP, SEC or IC; and
    • Philhealth Health Insurance Card ng Bayan

    Hindi lang remittance ang services ng Smart Padala Agents! To find out what other services they offer, click here.

  6. Hanggang kailan valid ang remittance kapag hindi pa ito na-claim?

    Ang mga matatanggap na padala ay valid hanggang 150 days. Pumunta na sa nearest Smart Padala agent para i-claim ang padala!

    To learn more about receiving Smart Padala Local, click here.

  7. Paano kung wala ako natanggap na text ng Reference Number ko o kung nabura ko ang text message na may Reference Number?

    Madali lang! Kapag ikaw ay Smart/TNT Subscriber, i-text ang CHECK <space> PADALA to 8890 para makuha ang iyong Reference Number.

    Kapag ikaw ay Globe subscriber, please call our hotline number: (02) 845-7777 gamit ang iyong landline para malaman ang iyong Reference Number.

    To learn more about receiving Smart Padala Local, click here.

  8. Ano ang pinagkaiba ng Smart Money at Smart Padala?

    Ang Smart Money ay isang reloadable electronic wallet and prepaid card that can do the following services:

    • Send and receive money
    • Receive remittance from abroad
    • Bills Payment
    • Purchase Airtime load
    • Online Shopping
    • Card Swipe Transactions and ATM Withdrawal (If card is still valid)
    Smart Padala is the domestic remittance service kung saan madali at affordable magpadala ng pera sa mga kapamilya o kamag-anak sa Pilipinas. Kahit anong network pwede ka na magpadala! Pumunta lang sa kahit anong Smart Padala agent na malapit sayo!

    To learn more about Smart Money at Smart Padala, click here.

  9. Ano ang fees at limits ng Smart Money Account?

    SMART Money Account Fees

    • Dormancy Fee
      An account is considered dormant if there is no activity within 5 years
      Effective April 1, 2017:
      Php 30 (Debited from account)

    Smart Money Account Limits

    • Account Balance LimitPhp 50,000.00 (P100,000 for remittance accounts)
    • Wallet to wallet Transaction LimitPhp 10,000.00
    • Max Amount Purchase/dayPhp 50,000.00

    Fees

    • Local fund transfer to a Smart Money accountEffective August 1, 2017, service fee for the first Php1,000 fund transfer will be Php10. Add Php5 for every increment of Php 500 (debited from Smart Money account). Fee does not apply to fund transfers to a Smart Padala agent. Receiving of funds is free of charge.
    • Balance InquiryP 2.50 (debited from airtime)
    • Internet Lock/UnlockP 2.50 (debited from airtime)
    • Reload Money via Mobile BankingP 2.50 (debited from airtime)
    • E-Load*Free
    • PayMaya Top-Up/Encashment0.5% (debited from Smart Money Account)
    • Pay BillsP 2.50 (debited from airtime)
    • Other Phone TransactionsP 2.50 (debited from airtime)

    *Get a 4.5% discount for every transaction, actual value of airtime will be credited.

    To learn more about Smart Money, click here.

  10. May charge ba pag nag-receive ng funds sa Smart Money Account?

    Effective August 1, 2017, ang pag-receive ng funds to your Smart Money account ay free of charge.

  11. Paano mag-send via Smart Padala International?

    1. Go to a Smart Padala International Partner.
      Pumunta sa pinakamalapit na overseas remittance partner ng Smart Padala.       Smart Money
    2. Mag-fill out ng Send form.
      Magpakita ng one (1) valid ID pagkabigay ng Send form.       Smart Money
    3. Ibigay ang pera.
      Bayaran ang corresponding fee na ayon sa amount ng pera na ipapadala.       Smart Money
    4. Kunin at itago ang receipt.
      Ang iyong transaction ay successful! Ibigay ang reference number at amount na pinadala sa iyong recipient.       Smart Money

  12. Paano tumanggap via Smart Padala International through Cash Pick-Up?

    1. Go to the nearest Smart Padala International Agent.
      Tandaan, magdala ng one (1) Valid ID. For list of valid IDs, click here.       Smart Money
    2. Ipakita ang text confirmation from Smart Padala.
      Ang text na ito ay may Reference No. ng natanggap na remittance from abroad.       Smart Money
    3. Mag fill-up ng Receive Money Transaction slip.
      Sagutan ng kumpleto at ilagay ang natanggap na Reference Number. Mag-present ng one (1) valid ID with photo.       Smart Money
    4. Receive your remittance.
      Ang iyong remittance ay ibibigay ng Smart Padala International agent in cash. NO FEES FOR ENCASHMENT!       Smart Money

  13. Paano tumanggap via Smart Padala International through my Smart Money Account?

    1. Hintayin ang confirmation from Smart Padala.
      Makakatanggap ka ng text from Smart Padala na magkukumpirma na ang pera galing abroad ay credited na sa iyong account.       Smart Money
    2. I-check ang balance.
      I-verify ang natanggap na pera.       Smart Money
    3. Gamitin na ang natanggap na pera Padala.
      Mag-online shopping, magbayad ng bills, magpadala ng pera, bumili ng e-load, o i-encash sa pinakamalapit na Smart Padala agent. Kung valid pa ang Smart Money MasterCard, maaari rin mag-withdraw via ATM o mag-shopping.       Smart Money

  14. Saan mahahanap ang Smart Padala International Partners abroad?

    Click here to view list of our Smart Padala International Partners abroad.



Gusto ko maging Smart Padala Agent

  1. Ano ang Smart Padala Agent?

    Ang Smart Padala Agent ay isang tindahan o establishment na tumatanggap at nakakapag-process ng Smart Padala transactions katulad ng:

    • Cash Pick-Up (Domestic and International)
    • Bills Payment
    • Airtime Load selling
    • Mobile Account/Top-up and Encashment

    Para malaman ang mga detalye sa Smart Padala Agent services, click here.

  2. Ano ang mga benepisyo ng pagiging isang Smart Padala Agent?

    • KA-PARTNER PROGRAM Automatic at hassle-free ang enrollment sa aming Ka-Partner Program.
    • FREE 24/7 CUSTOMER CARE SERVICE Maaaring tumawag sa (02) 845-7777 o sa 15177 gamit ang iyong Smart mobile number.
    • OPERATIONS SUPPORT Nationwide ang coverage ng Smart System Network. Ang aming mga area managers at merchant coordinators ay handang umalalay sa inyong mga pangangailangan.
    • FREE STORE MERCHANDISING SUPPORT May mataas na visibility at foot traffic ang iyong negosyo.
    • MEDIA MILEAGE Ang Smart Padala ay makikita sa iba't ibang media channels katulad ng digital, social media, tv or radyo, out-of-home advertising at mga brand partnerships.
    • PROMOTIONS Mayroong mga seasonal promotions upang mas mapalakas ang sales ng Smart Padala.
    • WALANG FRANCHISE FEE Dahil alam naming importante ang pera ay umiikot sa negosyo, walang franchise o monthly fee na kailangang bayaran!

  3. Sinu-sino ang mga karaniwang customer ng Smart Padala Agent?

    • Mga senders and receivers ng domestic remittance
    • Mga receivers ng international remittance
    • Smart retailers (mga nagpapaload ng Load Wallet nila gamit ang Buy Smart Load)
    • Smart Money/PayMaya accountholders o cardholders

  4. Sinu-sino ang mga pwede maging Smart Padala Agent?

    • Mga existing na tindahan, retailer, establishment o institusyon
    • Mga registered businesses
    • Kahit sino na may stall o tindahan kung saan pwede magpaload o magpaencash ng Smart Money ang mga Smart Money customers

  5. Anu-ano ang mga requirements?

    Small (Sari-Sari Store)

    • Smart Padala Agent Enrollment Form (filled out) and Terms and Conditions
    • Mayor's Permit or Business Permit
    • Valid ID of Authorized Signatory
    • Photo of the store with the store name and store owner
    • BDO Application Form (Kung meron ka nang BDO account)

    Sole Proprietorship
    • Smart Padala Agent Enrollment Form (filled out) and Terms and Conditions
    • DTI Registration
    • Valid ID of Authorized Signatory
    • BDO Letter of Request (Kung meron ka nang BDO account) (1)
    • Mayor's Permit or Business Permit (2)
    • Merchant Info Sheet
    • BIR Certificate of Registration (2)

    Partnership/Corporation
    • Smart Padala Agent Enrollment Form (filled out) and Terms and Conditions
    • Articles of Incorporations/By-Laws
    • SEC Registration
    • Valid ID of Authorized Signatory
    • General Information Sheet
    • Secretary’s Certificate/Board Resolution
    • Merchant Info Sheet
    • BDO Letter of Request (Kung meron ka nang BDO account) (1)
    • Mayor's Permit or Business Permit (2)
    • BIR Certificate of Registration (2)

    (1) – Ito ay isang optional na dokumento na isusumite ng Smart Padala agents na gustong mag-enroll, at mag-avail ng Autosweep Facility.
    (2) – Ang dokumento na ito ay required per branch o store at isusumite sa PayMaya Philippines, Inc. head office ng accredited na Smart Padala agent.

  6. Paano mag-nominate ng Primary Account?

    I-text ang ENROLL<space>CARD<space><16-digit account number> at i-send to: 343

  7. Maaari ba mag-verify kung tama ang Reference No?

    I-text ang CHECK <space> <Reference No.> (Ex. CHECK 1234567890) at i-send to 8890 gamit ang cellphone na naka-link sa iyong Smart Money account. Walang charges sa pag-verify.

  8. Ano ang fees at limits ng Smart Money Account?

    SMART Money Account Fees

    • Dormancy Fee
      An account is considered dormant if there is no activity within 5 years
      Effective April 1, 2017:
      Php 30 (Debited from account)

    Smart Money Account Limits

    • Wallet to wallet Transaction LimitPhp 10,000.00
    • Max Amount Purchase/dayPhp 50,000.00

    Fees

    • Balance InquiryP 2.50 (debited from airtime)
    • Internet Lock/UnlockP 2.50 (debited from airtime)
    • Reload Money via Mobile BankingP 2.50 (debited from airtime)
    • E-Load*Free
    • PayMaya Top-Up/Encashment0.5% (debited from Smart Money Account)
    • Pay BillsP 2.50 (debited from airtime)
    • Other Phone TransactionsP 2.50 (debited from airtime)

    *Get a 4.5% discount for every transaction, actual value of airtime will be credited.

  9. Paano mag-process ng encashment ng international remittance from Transfast?

    1. Ipa-fill-up ang Smart Padala transaction slip sa customer kung saan dapat ilagay ang Transfast reference number. Hingin sa customer ang valid ID.
    2. Text TRANSFAST <space> <Transfast Reference Number> at i-send to 8890
    3. Makakatanggap ng confirmation message from 8890 na may detalye ng customer at remittance amount.
    4. I-validate kung pareho ang customer details sa SMS and ID of customer.
    5. If correct, text OK <space> <Beneficiary’s Mobile #> at i-send to 8890.
      *Pwede mag-claim for all mobile networks
    6. Ibigay ang pera at transaction slip sa customer.

    Reminder: Libre ang pag-claim ni customer! Ang commission mo ay automatic na credited to your account.

  10. May natanggap ako na Reference Numbers na nagsisimula sa 08 at 53. Ito ba ay Valid Reference Numbers?

    Ang Reference Numbers na ito ay VALID for claiming. Ang mga transactions ay galing sa ating partners tulad ng ECPay, 7-Eleven, Bayad Center, Cebuana Lhuillier, Palawan Pawnshop, Sendah Remit, HAPINOY, PaySwitch, eTap Inc., Global Access, iBayad, GPRS, and POS!BLE.NET.

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