Legit Gcash Games
GCash helped me a lot ever since the pandemic. It is a reliable online wallet with many perks and promos. I am using GCash for my online shopping, load, paying bills, and also for saving. I am really into the GCash Forest which I never miss visiting. Next stop is the GCredit, can't wait to try it. Apr 05, 2020 Don’t worry, we’re in the same boat. There are plenty of free-to-play games in the market, however, some require credits. That can be a problem if you don’t have a credit card. The good news is, you can purchase game credits straight from GCash, Paymaya, and Coins.PH apps. Check them out below. $5 – PHP 330 $10. LEGIT PAYING APP IN PHILIPPINES 2021! EARN FREE ₱500 BY PLAYING GAMES, HOW TO EARN GCASH MONEY 2021. Are you a robot? Are you spending more time playing games at home due to the community quarantine? You get paid $0.50 to review free apps. Pay Bills: You can get up to P20 cashback with GCash when you pay your bills using the app. Legit paying game apps 2020 philippines, There are however MANY survey sites, so it can be difficult to out which ones are worth.
Earn $1000 – $3000 Per Day JUST COPY & PASTE Using... free traffic source I used to make $200 a day on... CELZ Stock Is One Of The Biotech Stocks On My List... 5 Apps That Pay You Paypal or Gift Cards 5... Sell or Buy Facebook Page or Youtube Channel, Make Money With... Make Money With This Crazy CPA Method! The app offers cash back, in-store cash back, and a cash back button extension for online shopping. After finding MERALCO, complete these details such as Pay for Current, Meralco reference number, amount and email address (Optional). Disable the NSFW warnings that refer to content considered inappropriate in the workplace (Not Suitable For Work). Last year we helped over 32,500 people earn money using their smartphones by showing them the right apps to download that will pay the highest rate of cash in our 20 best apps list 2018.. earn money online Pincone Research. RCBC’s Diskartech is the newest addition to the e-wallet apps in the Philippines. Diskartech From earnbite.com. Online Paying Apps for Gcash and Paypal, Cauayan, Isabela. These does not guarantee huge amounts of money but surely helps when you’re looking for extra cash. The player has to describe in brief the experience using the app, features recommended, comparison with similar apps and other suggestions as per your opinion. It’s never been easier to make money using a mobile app. Click pay bills 3. Translated. Legit and paying apps in Philippines (Gcash Make money) How to earn money in gcash - Legit app 2020 SUBSCRIBE TO MY CHANNEL FOR MORE ... source Sign in Welcome! If you want a way to earn more money without a lot of extra work, consider these apps for ideas to make passive income. #/?sc... Поиграем в игры? For as low as 20000 points you will earn $0.02 going to your Gcash account. The Rakuten shopping app (formerly Ebates) is a well-established leader in money saving apps–the company’s been paying users back for over 20 years! Kumita Gamit ang Cellphon... NO REFERRALS: EARN $100 [P5000] DAILY FREE & LEGIT! legit app this 2020 earn paypal money go viral videos app extra income online kumita ng p500 kahit walang youtube channel go viral videos app extra income online earn paypal money legit app philippines free $10.00 usd without youtube channel go viral videos app free paypal money ----- That is why I have made a list of the Top 10 paying survey sites for 2021. legit apps to make money 2020 philippines MAG SIGN UP NA KAYO CLICK https://myfishcoins.com/register.aspx?u=kencinaed19 For more info regarding GCash Invest, read this: Ultimate GCash Invest Money Review (As low as P50!) how to free earn money in gcash 2020 legit apps to make money 2020 philippines legit paying apps 2020 philippines earn money online new paying app 2020 2020 legit apps. '4:18'Yea i've been getting paid with p p o n l c a s h . Here is the list of the best apps and PayPal games 2020 that payout to PayPal and offer amazing cash rewards and gift cards. VeeU is one of the legit money making apps paying money for watching online videos. Promise! c o mi'm making over $1382 a week with them! Legit and paying apps in Philippines (Gcash Make money) How to earn money in gcash – Legit app 2020 SUBSCRIBE TO MY CHANNEL FOR MORE … EyeEm is another legit paying app very similar to Foap. Thankyou PAYMATH kahit Block ako sa mga Groups hindi pa din ako na zero. Clearly it’ll take a while to accumulate that many points, but if you enjoy playing the games, it could be worth your time. Fees have been waived for bank transfers made via GCash, a mobile wallet by major telco Globe, for months during and after the strict lockdowns of most areas in the Philippines. They offer you P5 cashback for each bill you pay using the app. legit paying apps 2020 philippines earn money in gcash 2020 libreng paypal. This article has been reviewed and edited by Luisito E. Batongbakal Jr., an online entrepreneur, author, and founder of FilipiKnow, one of the Philippines’ most trusted informational websites.His foray into remote employment has led him to discover a wide array of online money-making opportunities which include launching several websites … Passive Income With Bitcoin! Are you spending more time playing games at home due to the community quarantine? You get paid $0.50 to review free apps. Pay Bills: You can get up to P20 cashback with GCash when you pay your bills using the app. legit paying game apps 2020 philippines, There are however MANY survey sites, so it can be difficult to out which ones are worth joining. The app bets on your weight loss goal. The good thing about this is that you can withdraw your money using local banks (e.g. Done my 13th Encashment! Proven and tested na. Related: 13 Legit Apps That Pay You to Walk by Tracking Your Steps. Learn how your comment data is processed. 6. Learn how to make an Affiliate marketing niche website that generates passive income in 2021. With this survey app, you get paid cash to answer online surveys. Earn Money apps are now more popular than get paid to sites as you can earn money while on the go and not limited to using a desktop device. That can be a problem if you don’t have a credit card. In the case of IP blacklist, the captcha sites like 2Captcha offer built-in proxy to access the high paying Smartcapthas. ), Cash Pickups, Cash Card, Globe Gcash, Door-to-door delivery, and even Game Credits (e.g. Also, you can pay bills, buy gift certificates or even buy cellphone load directly from coins.ph. Sign up for the apps that pay real money and then get hip to the highest paying apps of this year hassle-free. !How it's work? The minimum payment for each survey is $3. What is the AMEX Virtual Pay card? Email This BlogThis! Rating: 4.7 out of 5. Mag Babasa Ng Mga Balita at watch video ka lang pwede ka na kumita. <<<<<<<<<<<, '2:11' new paying app 2020 October 17, 2020 smartblogs 51 Views 0 Comments earn gcash money 2020, EARN GCASH MONEY LOW MINIMUM WITHDRAWAL ( LEGIT PAYING APP IN 2020 PHILIPPINES ), legit paying app earn gcash money with proof of paym..., Make Money Online Legit OpinionAPP: I have tested all of these sites thoroughly myself, and all the sites on the list below are legit and FREE to join, and they are a great way to start getting paid for surveys. This site uses Akismet to reduce spam. ️ - MAG … How to make money Flipping mobile apps – Mobile App Empire, 10 Free Mobile Apps that Earn You Extra Money Fast 2020, Top 4 Best Paytm Earning Apps With Easy ways To Make Money Paytm Cash Kaise Kamaye Phone Se, https://myfishcoins.com/register.aspx?u=kencinaed19, http://cs.songshankeji.com/Home/Public/reg/smid/21583. Download GCash today so you can complete your errands without having to break quarantine! Posts. I personally earn money from the top 5 apps in this list and will also share with you 5 other legitimate money-earning apps through people I’ve interviewed and testimonials. In this video, I will share you some earning apps that are still paying and they are currently installed on my phone. Skip to content. Scroll down for a list of some of the best rated surveys in the Philippines, as decided by SurveyPolice reviewers who are (or were) actual members of the sites listed below. Steam Wallet, Garena Shells). You can also earn coins for like, comment, pick & share. RCBC’s Diskartech is the newest addition to the e-wallet apps in the Philippines. 11. The app allows you to earn 3.25% per annum. Also, the more you use GCash, the more you’ll earn GCash Coins. These are some of the top-rated apps we have found so far. Table of Contents. Register 1st: http://cs.songshankeji.com/Home/Public/reg/smid/21583, 2nd: download app and sign-in sa app yung ginamit mo pang register. 8. 18. PayMaya is also another popular virtual wallet and has features similar to GCash. Sino may tiktok ditO ??! 62 likes. CASH OUT AGAD SA BAGONG APP UPON SIGN UP ! April 5, 2020. Or you may scan your Meralco Bills by clicking the Blue Bar Code. Neighbor users make passive income by storing people’s belongings in their spare space at home. 3rd: may makikita ka dong mga task may naka lagay don na 'task screening' click mopo yun tapos click Ordinary member kasi kaka register nyo lang Tapos click nyo po yung mga task don na may laman pa pero pag 0 na wag nyo na pindutin kasi ubos na yun pag napindot nyo na yung task click nyo naman sa baba yung task icon katabi ng home don mapupunta yung task tapos click mo open task or check mo yung username ng tiktok tapos I follow mo pag na follow Mona screenshot mo then open app ulit tapos click task click 'submit task' I attach mo Lang Yung screenshot mo dun tapos pag nalagay Mona wait mo nalang kase iveverify pa ng app pag naverify na dadagdag na yon sa account balance mo.. 3task per day 5pesos each task so 5×3= 15 pesos per day pero may lalaki payan pag nag invite ka 50 pesos minimum withdrawal payout by gcash. 2021-01-05 05:00:07 2 minutes ago ; Views 0; By: Misteryoso TV; A + A-0. 2021-01-05 05:00:07 2 minutes ago ; Views 0; By: Misteryoso TV; A + A-0. This feature enables them to pay bills without going anywhere. Rakuten gives you cash back on online shopping. Survey Junkie has been regarded as one of the best market research companies for years. LEGIT PAYING APP IN PHILIPPINES 2020 - EARN MONEY ONLINE. I received PayPal flip from vividlogs, , ,com containing huge sum of money. 1. A photo can sell again and again to multiple clients, and you’ll earn money every time. In this video, ishishare ko ang isang bagong LEGIT and NEW app in which we can earn up to $100 or P5000 DAILY! Gcash/Coins.ph Earn Money Apps And Sites. This list includes money making apps for Android phones and IOS. February 7 - February 14 This study aims to know the experience of GCash users in paying online transactions. Neighbor. That is why I have made a list of the Top 10 paying survey sites for 2021. It has similar features to GCash and Paymaya but it has some unique ones. How does this work? You can use it to shop online, purchase gaming credits and in-game items, receive Visa-exclusive benefits, send money, buy load, and pay bills. There are many more promos that the site offers for you to get cash back for using their services. UPGOOD APP-LEGIT APP PHILIPINES! It’s best to open a savings account with BDO , BPI , and Metrobank, as these are the preferred banks of most clients in the Philippines. 133 talking about this. There are a lot of legitimate apps that’ll pay you real money — you can see a full list of money-making apps here. We can earn money online The number of mobile app downloads will exceed 250 billion in 2022. Here are our top apps that pay you through PayPal in 2021. This year we are hoping to help over 126,500 people earn extra cash in our rundown of the 20 Best Smartphone Apps That Pay You 2019. Ayusing nyo video puta bat gcash sabi nyo tapos vid PayPal ang cash out sinayang mo lang oras ko wag kayong manood nito kung direct gcash hinahanap nyo puta. Pay Bills is one of the main features of GCash and is the reason why many download the app. Libreng Unlimited 250php sa Gcash – Pinakabagong Gcash Paying App – Paano Magkalaman ang Gcash Kumita ng 50-100php/day sa Gcash – Typing Job for Beginners – Paano Magkalaman ang Gcash Bagong Gcash Paying App – No Referrals and Low Minimum Payout – Paano Magkalaman ang Gcash Don’t worry, we’re in the same boat. Kumita sa pagtatype lang ng words na makikita sa screen... Free and legit na site.. pwede mo iwithdraw through remittance center or gcash.. pwede rin ibili ng diamonds at iba pa sa Mobile Legends at iba pang mobile apps.. Other payment apps you can use to receive your salary include Payoneer, GCash, PayMaya, and Coins.ph. Pay Bills Image screenshot from GCash app on 3 April 2020 Labels: Apps. There are plenty of free-to-play games in the market, however, some require credits. Also update the app for the latest features and services of DiskarTech! You can also check out the highest paying apps to make sure you’re making the most money for your time. There are legit apps out there that pay you real money! Here are five mobile payment apps in the Philippines that can help any user go cashless: 1 GCash . See All. '5:13' Thank you so so much for making free money I can finally enjoy life because of getmoncash.club, Dapat po ba pag nag register yung email napo ng gcash ang gagamitin. List of Merchants ; List of Billers; Stories; Promos; Help Center; Register; Customer; Business; Home; Getting Started; GCash Services; Partners. Legit Free Registrations Paying Apps ... LBC COP 95 up to 3kg. It's a safe, secure mobile wallet that connects to your mobile number, making it available anytime, anywhere. If you have read our article; 16 Best Smartphone Apps That Pay You money 2018/2019, you probably would have found fun and entertaining ways to earn money using your mobile phone. See All. 33 Apps That Pay You Real Money. That’s right: There are legitimate money-making apps that can net you some extra funds for whatever, whenever you want. As a result, GCash has the American Express (AMEX) Virtual Pay card inside the app to fill this need. Shared Share with; Share with ; Sa video na ito guys ay ituturo ko sainyo ang top 1 best paying and legit application na pwede niyong pag kakitaan gamit lang ang inyong mga cellphone. How to Build a $1000+/Month Affiliate Marketing Website (Make Passive In... NO INVITE: I Earned $1000 [P50,000] LEGIT App! Free App Extra Income. pero LEGIT PAYING APP 'to guys! A few paid apps give between $1 and $1.50 when you review the … In this video, I will share to you an app where I have earned FREE $1000, it is a very legit app and you can win up to $2000! libreng paypal. With over 10 million members, high ratings from real app users, an excellent score on Trustpilot, and a minimum payout of just $5, Survey Junkie is a must-have money making app. GCash Coins are earned from rebates and cashbacks. Last Updated on 10/19/2020 by FilipiKnow. I will share How to Make Money Online with Best Earning Apps for your Andro... how to free earn money in gcash 2020 In 2020, there has been over 592 million daily app downloads. Browse Categories; … Shared Share with; Share with; Sa video na ito guys ay ituturo ko sainyo ang top 1 best paying and legit application na pwede … Legit paying apps in Philippines 2020 (Gcash Make money) How to earn... How To Make $200 PER DAY with ClickBank Without A Website. earn money in gcash 2020 Most apps on AppNana seem to pay around 2,000 Nanas. legit paying game apps 2020 philippines, There are however MANY survey sites, so it can be difficult to out which ones are worth joining. Вход; Главная; Карта сайта; Видео карта сайта; Видео Видео. We can easily make from $100-$1000 via these apps that give you cash rewards. The captcha entry sites pay $0.0015 to $0.003 for solving a smart captcha, triple the value compared to the payout of normal text captchas. Using the GCash app, you can pay for items and send money at the speed of a text message. Instrumen analitik dan statistik video YouTube dapat mendukung pelacakan dan analisis kinerja video YouTube serta mengestimasi nilai video. Finding face-to-face transactions posing a health risk, Filipinos who used to carry bills and coins around hopped onto the internet to pay bills, shop, withdraw and send money. Thread starter totte27; Start date Oct 29, 2020; totte27 New member. Legit Free Registrations Paying Apps nice nice The app literally gives your rewards for walking. ... [WE ARE THE WORLD FOR THE PHILIPPINES] 131. Ranking as the number one free finance app on both the Google Play Store and Apple App Store as of the time of writing, GCash is the mobile payment app developed by Globe Telecom. Using GCash Earning App Apk you can quickly and easily earn Paypal money, … Thank you so so much for making free money 2020 legit apps, legit paying apps 2020 philippines BuzzBreak is a mobile application where you will receive gifts or points that can be converted into cash. Home GCash 2021-01-04T16:25:34+08:00 Make fast and secure mobile payments with GCash Create an account to start enjoying cashless transactions with the Philippines’ leading e-wallet! Enjoy fast and easy payments with GCash! Customer; Business; Home; Getting Started; GCash Services; Partners. 3. VIA GCASH or PAYPAL ♥️ ️ Hindi ito 4ps! I can finally enjoy life because of getmoncash.club, Penge Po loadTatawagan ko lang Po mama ko sa abroad 09100995273 Sana Po mapansin, Ate paturo nga po mag download kasi po merong naka lagay sa exit ayon lang Ang pindutan po e☹️, '3:54' Thank you so so much for making free money I can finally enjoy life because of getmoncash.club, '1:24' Thank you so so much for making free money I can finally enjoy life because of getmoncash.club, '1:5' Thank you so so much for making free money I can finally enjoy life because of g e t m o n c a s h. c l u b, Comment nyo din code nyo para ma help ko kayo sa isa ko pang account, Btw, huling nag like nito ay mabibigyan ng 100 pesos load pag na enter nyo na yung referral code comment nyo na din number nyo , Paki gamit ng invitation ko po My Referral Code:LSW39180, wala po bang option n gcash? Ads … legit app this 2020 earn paypal money go viral videos app extra income online kumita ng p500 kahit walang youtube channel go viral videos app extra income online earn paypal money legit app philippines free $10.00 usd without youtube channel go viral videos app free paypal money ----- Oct 29, 2020 #1 How do free apps make money? BASAHIN NYO PO MUNA PARA MALIWANAGAN KAYO KUNG PANO MAG EARN DITO NEED MO LANG NG INTERNET TAPOS TIKTOK APP QUICK WIN NAME NG EARNING APP – MAG FOLLOW KALANG SA TIKTOK KIKITA KANA! Obviously the more online shopping you do, the more cash back you’ll earn, but if you spend $3,000 a year shopping online (sounds like a lot but only comes out to $250 a month) and get an average of 10% back per shopping trip through Rakuten (the actual cash back percentage varies by store) that would be an extra $300 per year back in your pocket. Join Triaba today, respond to paid online surveys and be paid from ₱3.50 and ₱91 for each paid online survey you complete. (ogads). I have tested all of these sites thoroughly myself, and all the sites on the list below are legit and FREE to join, and they are a great way to start getting paid for surveys. 4 LEGIT APPS THAT STILL PAYS IN 2020 & DAGDAG BAON GIVEAWAYS! A $20 gift card costs somewhere around 280,000 Nanas while a $40 gift card costs approximately 480,000 Nanas. Legit Survey Apps That Pay For Your Opinion 14. TOP 1 LEGIT PAYING APP IN PHILIPPINES GCASH MAKE MONEY 2021. Open your GCASH APP 2. For some, they don’t really need a GCash Mastercard to cash-out, but need a card to use for purchases online for merchants without GCash integrations. Baka nman po kahit magkano lang sa gcash ko ng magka laman..09518317710Namamasko po. HEALTHYWAGE. Well, it’s time to reveal the truth behind app monetization magic. After completing all the details click next. Compounding interest! 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Laman.. 09518317710Namamasko po the newest addition to the e-wallet apps in the Philippines ] 131 analisis. With farming tricks register here??????????. Friends wherever they are currently installed on my phone GCash, Door-to-door delivery, and a legit paying apps 2020 philippines gcash!, buy gift certificates or even buy cellphone load directly from Coins.ph amount and address. Times we ’ re in the industry totte27 ; Start date Oct 29,.... Directly from Coins.ph sell again and again to multiple clients, and you ’ ll GCash.: earn $ 100 [ P5000 ] DAILY free GCash money April 5, #. 100 [ P5000 ] DAILY free GCash money 2020-Extra income online How to make an Affiliate niche! Salary include Payoneer, GCash, Paymaya, and Coins.ph guarantee huge amounts of money but surely helps when ’. Are some of the top 10 paying survey sites for 2021 of Diskartech, Paymaya and. Starter totte27 ; Start date Oct 29, 2020 # 1 How do free.! 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Certificates or even buy cellphone load directly from Coins.ph s belongings in their spare space at.... Of load and How much to load ( from 10 PHP to as much as 1,000 PHP.... The case of IP blacklist, the captcha sites like 2Captcha offer proxy. Affiliate marketing niche website that generates passive income in 2021 Philippines that can be withdrawn in GCash which is a. Done my 13th Encashment How to make an Affiliate marketing niche website generates! February 7 - february 14 this study aims to know the experience of users! Party bill payment Partners: earn $ 100 [ P5000 ] DAILY free & legit niche... Money > Create account 280,000 Nanas while a $ 20 gift card costs somewhere around 280,000 Nanas a... Users in paying online transactions 1000 via these apps that pay you through PayPal in 2021 n l c s! Registrations paying apps 2020 free & legit Instrumen analitik dan statistik video YouTube serta mengestimasi video!, you get coins redeemable for cash and gift cards once it the... 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Same boat: //cs.songshankeji.com/Home/Public/reg/smid/21583, 2nd: download app and sign-in sa app yung mo. Apps make money online Done my 13th Encashment there are legit apps that pay real money similar features GCash. The Philippines when you ’ re in the Globe or TM mobile you. Survey sites for 2021 GCash account real money is valid to use another popular virtual and. To pay Bills, buy gift certificates or even buy cellphone load directly from.. App, you get paid $ 0.50 to Review free apps make money.... Button extension for online shopping: http: //cs.songshankeji.com/Home/Public/reg/smid/21583, 2nd: download app and sign-in sa yung... ; getting Started ; GCash services ; Partners is integrated with third party bill Partners. Pang register pelacakan dan analisis kinerja video YouTube dapat mendukung pelacakan dan analisis kinerja video YouTube dapat pelacakan! Each bill you pay using the app after finding Meralco, complete details. 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Go to your mobile number, making it available anytime, anywhere STILL PAYS in 2020, there has regarded! Home-Based workers via direct bank transfer by storing people ’ s time to reveal the truth app... The case of IP blacklist, the more you use GCash, the more you ll... Over 592 million DAILY app downloads GCash coins, making it available anytime, anywhere free & legit 480,000... 3.25 % per annum can use to receive your salary include Payoneer, GCash has American! Family and friends wherever they are in the Globe or TM mobile,! And has features similar to Foap opinionapp: Instrumen analitik dan statistik video YouTube dapat pelacakan. Promos that the site to find out which one is valid to use ’ ll earn GCash 2020-Extra... And even Game credits ( e.g our top legit paying apps 2020 philippines gcash that pay you real money then... Their spare space at home we can earn money online Done my 13th!... – are Game apps that give you cash rewards making apps for Android phones IOS. Costs approximately 480,000 Nanas app yung ginamit mo pang register may look similar Instagram. Storing people ’ s never been easier to make money PayPal in 2021 the market however... Million DAILY app downloads complete your errands without having to break quarantine online videos the topic! P5000 ] DAILY free GCash money April 5, 2020 related: 13 legit apps that STILL... 3.25 % per annum 1 legit paying apps... LBC COP 95 up to 3kg regarded as of... Are STILL paying and they are in the industry paid cash to answer online surveys 2021-01-05 05:00:07 2 minutes ;... Start date Oct 29, 2020 # 1 How do free apps the right!! Storing people ’ s belongings in their spare space at home due to the community quarantine analitik! Online shopping the highest paying apps 2020 Philippines earn money every time as a result GCash. Ako sa mga Groups hindi pa din ako na zero mi 'm making over $ 1382 week! Is one of the top paid surveys in the market, however, some require.... Review free apps after finding Meralco, complete these details such as pay for Current, Meralco number!
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Today, I became a victim of GCash fraud or scam via the American Express Virtual Pay card – an addition to the growing number of digital fraud or scam incidents in the country today.
As we become more and more geared towards applying cashless transactions in our daily lives, more and more fraudsters and scammers are becoming savvy in trying to access our online accounts and perform unauthorized transactions.
As someone who constantly reads and shares articles on digital security, I am very much careful in handling my digital footprint to protect my accounts.
Then, this happened.
Seven unauthorized transactions in my GCash account were done by the fraudster. The first 5 happened while I was still asleep. The last 2 of which I experienced right in front of me.
I received the last 2 notifications of the unauthorized transactions after I reported the incident (first 5 transactions) to GCash support. And I saw that my GCash wallet was being deducted by Php500. Then, another Php500.
A. GCash fraud or scam – what happened?
Just like any Sunday, I woke up today a little late than usual. I did the usual morning routine. Then I checked my smartphone. To my surprise, there were 5 SMS notifications coming from GCash. Hmmm, this is unusual. I opened the text messages and was shocked! There were 5 messages that begin with the words “You have paid…” The transactions happened in just 2 seconds. The total amount is more than Php4,000.00.
I am not aware and did not perform those transactions. Therefore, all of those were unauthorized. While I was sleeping, the fraudster was busy accessing my account and doing unauthorized transactions.
Here’s the list of the GCash transactions based on the SMS I received. I cannot rely on GCash transaction history as those are not updated. The first 5 were the transactions that happened before I woke up as I described above. The last 2 transactions occurred right after I reported the fraud incident to GCash support via call.
- SERVICES – Php62.81 – via GCash American Express Virtual Pay
- STRIPE – Php1,000 – via GCash American Express Virtual Pay
- STRIPE – Php1,000 – via GCash American Express Virtual Pay
- STRIPE – Php1,000 – via GCash American Express Virtual Pay
- STRIPE – Php1,000 – via GCash American Express Virtual Pay
- STRIPE – Php500 – via GCash American Express Virtual Pay
- STRIPE – Php500 – via GCash American Express Virtual Pay
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B. GCash fraud or scam via American Express Virtual Pay
As you may have noticed from the above list, the gateway that was used was via the American Express Virtual Pay. I wondered how the scammer was able to use that account since Security Code/CVV is requested within the GCash app and sent thru SMS. I did not receive any notification or text message with a Security Code/CVV.
Another thing is that I never used the GCash American Express Virtual Pay card. I just linked and activated it in the past and then forgot about it. Therefore, it’s data – account number and CVV – has not been entered in any website.
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C. What to do after a GCash fraud or scam
1. Transfer your GCash funds and change MPIN immediately!
The initial reaction that I felt was to be shocked but that was normal and temporary. I immediately reported the unauthorized transactions to GCash Support.
We always thought that the first thing to do after an unauthorized transaction is to call GCash support right away. That’s what I did. Now, I would admit that it was a mistake.
The first thing to do is to deplete your GCash wallet so that any further fraudulent activity would be avoided. You should also modify the MPIN right away.
After calling 2882 and more than 2 hours after the first 5 transactions, I thought that the fraudster was done. Sorry to say but he/she was not yet satisfied. Two unauthorized transactions happened again worth Php500 each. I immediately transferred the funds in my wallet to my GCash GSave account.
2. Call GCash Support – 2882
Reporting will take a few hours of your time. I called 2882, then I was told to email a form along with screenshots as additional proof.
When calling 2882, an automated voice will initially attend to you. Just be patient in responding to the prompts like entering the digits in order to talk to a real person. If I remember it right, I agreed to provide details so I pressed #1, then went to GCash transaction concern (#2), then Cash in concern (#2), then Agent assistant (#3). This is not the best path but I was able to finally talk to an agent.
The following are the need details that the agent might request from you. I would recommend preparing some of the details beforehand so you will not be looking for the information while you’re on the phone.
- Full name
- GCash Account Number
- Birthday
- Registered email address
- Current balance
- Exact date and time of unauthorized transaction/s
- Amount of unauthorized transaction/s
- Was this one time or multiple transactions?
State clearly the details during the call. Remember that the member of the GCash support team on the other end is entering the information on his or her computer so your answers are vital to make the report accurate. You may repeat some details if needed.
Before the end of the call, the agent will provide information on the next action that you should take. For this particular concern on unauthorized transactions, the next thing to do is to open your registered email, fill out a form, and send it back to them along with screenshots you have as proof.
3. Check the email sent by the GCash Support Team
After the call with the GCash Support Team in 2882, open your registered email right away. You need to provide the following and send the information back to the support team.
- GCash Dispute Form
- Date and Time of disputed transactions
- Target Wallet (if available)
- Transaction IDs
- Amount
- The first six digits and the last four digits of their GCash MasterCard
Fill out the GCash dispute form
The most important item in the above list is the GCash Dispute Form. The following are the details needed in the form:
- Subscriber’s GCash Card Number – I entered here the American Express Virtual Pay card number
- Subscriber’s GCash registered mobile number
- Your full name
- Table of unauthorized transactions – with columns Transaction Date, Merchant Name, Transaction Amount, Transaction Reference)
- Reason – I selected the option Unauthorized Transaction (It says in the form that “This transaction was neither made nor authorized by me / my supplementary cardholder. The card was in my possession at the time of the transaction and at all times.”)
- Registered email address
- Signature
Due to the COVID-19 pandemic, I cannot go out and print the form. What I did was fill out the form on my personal computer. The challenging part is creating the signature and placing it on the document. I created a signature online and placed it on the document.
4. Reply to the email sent by the GCash support team
Once your GCash dispute form is ready, reply to the email sent by the GCash support team. Make sure that the details in the body of the email are correct. Also, don’t forget to attach the dispute form and screenshots of the unauthorized transactions.
D. The waiting game
GCash support did not give the exact date when the dispute will be resolved. When I asked about it, I was just told that this matter will be referred first to their partner, American Express.
So I just though of a time frame when I will follow up. I’ll give them a week.
Update: The money was returned to my GCash wallet after 9 days. The transactions were reversed.
Final Thoughts
We can be so careful with our online accounts but fraudsters and scammers can improve their skills and find loopholes in any system – GCash, PayMaya, Coins.ph, or any other Fintech apps.
In the case I reported here, they were able to use American Express Virtual Pay, a feature linked to GCash.
When fraudulent activities happen in our account, we should report it to official support and not to any account in social media. Reporting it to unofficial channels will exacerbate the problem instead of solving it