Terms & Conditions for Smart Padala


Written information explaining how Smart Padala Centers charge the sender and beneficiary for SMART Padala transactions shall be displaced prominently at the Smart Padala Center and explained to the sender prior to completion of the transaction. PayMaya Philippines, Inc. (PPI) reserves the right to change the fees and charges at any given time.


Our obligation is with the sender that contracted Smart Padala services as indicated in the SMART Padala Form.


PPI shall not be liable and does not guarantee for the suitability or delivery of good and /or services paid for by means of Smart Padala. The sender shall not share his/her transaction data other than the beneficiary. The sender is cautioned against sending money to any person he/she does not know. In no event shall PPI or any of its agents be liable if the sender communicates data to any person other than his/her intended beneficiary. Customers are also responsible to provide true and correct sending /receiving information for accurate processing. The customer grants its consent to PPI to disclose the sender, beneficiary and /or transaction information to law enforcement authorities or other governing officials for any legal processes and /or in conformity with existing AML laws.

PPI is required by regulatory agencies to screen against their issued sanctions list/s customers and transactions. PPI may decline to process a transaction if any of the sender, beneficiary or transaction matches the identified persons or entities in the sanctions list or if perceived to be involved in a breach or violation of a law or regulation of any country. A transaction may also be delayed if the sender or beneficiary provided incomplete information or if required by a regulatory or law enforcement authority.


By signing the transaction slip form, the customer agrees that: (1) the information provided in the form is true, complete and accurate; (2) Money will be transferred to the indicated SMART Money Card/ Account Number based on the information provided. Request for reversals shall not be entertained;(3) In no event shall PPI be liable for any loss and damage, claims, liabilities, actions or proceeding arising from delay, non-payment, or underpayment of this money transfer for any reason whatsoever, whether caused by negligence of its agents; (4) The customer authorizes PPI and its agents to process the SMART Padala service he/she indicated upon submission of the required information and payment of its corresponding fees; and (5) The customer authorizes PPI and /or any of its agents to disclose to third parties any and all information he/she has provided above and consent to the use and processing of such information by PPI and or any of its agents or third parties in the connection with the transaction or any investigation in relation thereto.

PPI maintains a strict No Reversal Policy for all Smart Padala transaction. For any disputes, sender should notify PPI in writing fifteen (15) days from date of the transaction.


PPI shall have the right to automatically suspend or block the transaction in the event that PPI has reason to believe that the transaction may be illegal or used for fraudulent or suspicious businesses or by an unauthorized person. PPI may, but shall not have the obligation to, inform the sender prior to suspending or blocking the transaction pursuant to this clause. The sender acknowledges the authority of PPI to suspend or block the transaction and accordingly, the sender shall hold PPI free and harmless against any and all consequences of such suspension or blocking, or any loss or damage which the sender may suffer as a result thereof.


Customer and transaction information will be processed by PPI and all of its authorized parties with confidentiality and in conformity with applicable rules and regulations. Customer agrees that PPI shall use the information in the transaction slip for purposes of data analytics, marketing programs, improvement of products and services, customer service, subject to the rights of a data subject under personal privacy laws, except for investigation and prevention of crimes, fraud and anti-money laundering (AML). PPI or its accredited Master Aggregator shall retain in its custody the transaction slips bearing customer information and transaction details in compliance with personal data privacy laws, AML laws and other regulations. Customer retains the right to dispute and request the immediate correction of inaccuracies or errors in the transaction slips bearing customer information and transaction details, unless the Customer’s request is vexatious or unreasonable. Customer allows PPI to use and disclose to the PLDT Group, its subsidiaries and its authorized business partners all information contained in the transaction slip including proof of identification submitted, as well as information in connection with the transaction including remittance history/behavior, and all personal information for the purposes of: (A) Facilitating application for services they offer; (B) Product and service improvement being offered to me by PLDT Group and its subsidiaries and its authorized business partners; (C) Advertising new products and services being offered by PLDT Group, its subsidiaries and its authorized business partners; and (D) Improving customer experience. PPI shall ensure that the disclosed information will be retained only for as long as necessary for the fulfillment of the purposes for which the information was obtained or for the establishment, exercise or defense of legal claims, or for legitimate business purposes, or as provided by law.


For any complaints, suggestions and /or comments on the Smart Padala service, customers should contact PPI’s customer service hotline no.15177 (Toll free via SMART SIM) and /or (02) 845-7777 or 1-800- 1-888-5648 (via Hotline).

PPI may at any time and for whatever reason it may deem proper, amend, revise or modify these Terms and Conditions without further notice. It is the customer’s responsibility to regularly check any changes to these Terms and Conditions.

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