Pay, shop and transact anytime, anywhere

Fast, secure and convenient way to shop and pay

Pay for products you love with our online partner stores.

Shop and pay within your phone with just a few taps anytime, anywhere.

No additional charges to your Home Credit funds, pay only for your item that you purchase.

Pay online with peace of mind as we monitor every transaction to help protect against fraudulent activities by following BSP standards.

Scan to Pay with Home Credit

Enjoy simple, fast, secure and convenient way to pay for in-store transactions via QR in partner stores nationwide.

No need to carry cash or card when paying in partner stores.

Explore our wide network of partner stores nationwide.

Earn 1% rebate for every QR payment with your Home Credit Card.

Payments made easy

In-app transactions that are simple, fast, convenient, and secure. Plus, enjoy great deals and discounts when you pay through the My Home Credit app.

Enjoy hassle-free contactless payments within your phone.

Choose from a wide variety of prepaid products and billers.

Get exclusive discounts, rebates and offers.

How to shop online through
Home Credit Pay

Ready to shop online?

Select one of our partners below and pay through Home Credit Pay

See Merchant Partners

Explore our partner stores

We are continuously expanding our wide network of merchants to better serve all your needs! Check out our current list of partners below.

See list of Partner Stores

Are you an online merchant?

Learn how we can boosts your sales by offering your customers a flexible way to pay.

Learn More

Are you an online merchant?

Learn how we can boosts your sales by offering your customers a flexible way to pay.

Learn More

Get started with using
Home Credit Mobile Payments

Buy Load

Get discounts and no additional fees!

Buy load credits of any mobile network or prepaid utility service right at your fingertips using your My Home Credit app and save up to 5%.

Merchants

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Pay Bills

Over 200+ Billers Nationwide!

No need to line up to pay your bills. Just use your My Home Credit app and your service fee will be waived.

List of Billers

Frequently Asked Questions

Home Credit Pay is a payment option that enables clients to pay for their online purchases using Home Credit Card.

Currently, the payment option available in Home Credit Pay is Home Credit Card.

You can use Home Credit Pay as a payment option in any of our online partners listed here.

Yes, you need to have a Home Credit Card as it is your payment option to be used for your purchase.

Yes, you need to have an account on the My Home Credit app to enjoy Home Credit Pay. Just download our app for android phones here.

Yes, you can login using your mobile number as long as it is already linked to your My Home Credit app account.

Yes, you can login using your Facebook account as long as it is already linked to your My Home Credit app account.

No, you need to register on the My Home Credit app and link your previous loan account number. You can download the app for android phones here.

Just follow these simple steps to use Home Credit Pay as a payment option:
* Select Home Credit Pay as your Payment Option upon checkout.
* See if payment option is available to you by confirming your identity using your mobile number or Facebook account that is linked to your My Home Credit App
* Log in to your My Home Credit app once verified.
* Proceed with the transcation in the My Home Credit app by confirming your payment.

You can monitor your Home Credit Pay transactions in the inbox of your My Home Credit app. Just download the app for android phones here.

You can contact our customer service at 77535711 for any concerns on your transactions or registration.

If you are an existing Home Credit customer or have a previous account with us, you can apply for a Home Credit Card when you receive an invite from us via SMS, call, email, or thru your My Home Credit app.
You may also apply for a commodity loan now and see if it comes with a Home Credit Card.

If you’ve never had an account with us, try applying for a commodity loan at a participating partner store and see if it comes with a Home Credit Card. All you need to do is present two valid IDs:
a. 1 Government-issued ID
b. 1 ID with your address

Yes, you can use your Home Credit Card as a payment option under Home Credit Pay when paying for the items at a partner store.

Yes, for every transaction that you make using your Home Credit Card at partner websites through Home Credit Pay you will receive a 1% rebate.

Your reported transaction will be assessed by our team to check if refund is possible. You can call our customer service at 77535711 for any concerns regarding your transaction with Home Credit Pay.

You can call our customer service at 77535711 for any concerns regarding your transaction with Home Credit Pay. Our representatives will guide you on how you can file for an error or problem in your transaction.

See more FAQs

Frequently Asked Questions

QR (Quick Response) payment is a contactless method of payment  which is performed by scanning the QR code, a 2D barcode readable by smartphones. It is a safe and convenient way to pay through My Home Credit app.
Cashless transactions via QR is safe because you don’t have to bring cash all the time, and you also don’t need to worry about loose change.
This is available to Home Credit Card clients for now with registered account in My Home Credit app.
To purchase using QR code, simply follow the steps below:
  1. Tap the Scan icon in My Credit Card dashboard of your My Home Credit app
  2. Scan the partner store’s QR code
  3. Input the amount
  4. Click ‘Pay’
  5. Check the transaction details
  6. Click “Confirm Payment”
  7. Enter 4-digit PIN of your My Home Credit App for security check
  8. Present the transaction complete message to partner store.
Just make sure that your My Home Credit app version is up-to-date and you have a Home Credit  Card. What you need to do is:
  1. Tap the Scan icon in My Credit Card dashboard of your My Home Credit app
  2. Scan the partner store’s QR code
  3. Input the amount
  4. Click ‘Pay’
  5. Check the transaction details
  6. Click “Confirm Payment”
  7. Enter 4-digit PIN of your My Home Credit App for security check
  8. Present the transaction complete message to partner store.
A pop-up screen will appear in your My Home Credit app right after the transaction. You can also check your transaction history and account balance in My Credit Card dashboard of your app.
Yes, you can! Just press the ‘Cancel’ button before confirming the payment to cancel your transaction.
It is totally free of charge. Not only that, you can earn 1% cashback off your total purchases.
There is no limit in making payments when using QR so long as it’s within your Home Credit Card’s available credit limit.
Making payment using the QR Code is no different than using cash. You can guarantee this because you will get a receipt when the transaction is successful and to be secured, we are asking for your My Home Credit app 4-digit PIN before confirming your payment.
Just look for the “AUB Paymate Logo” in partner stores.
For questions or concerns regarding QR payments, feel free to call our hotline or chat with us using your My Home Credit app or in Home Credit website.
Every merchant has its unique code.
There is no need to enroll your Home Credit Card account to your My Home Credit app because it automatically happens. Just make sure that you have the latest version of My Home Credit app to avoid any inconveniences.  
The reason why your payment gets rejected because there is no sufficient credit limit left on your account but don’t worry you can still pay it using other options.
If it happens, check with the partner store if the payment went through. If they can confirm the transaction, then there’s no need to worry.  If it didn’t, you can still try using your Home Credit Card through POS terminal.
You can use your Home Credit Card instead through POS terminal.
QR payments will be taken from your Home Credit Card credit limit.
There is none.
You can still pay using your Home Credit Card via POS terminal.
You’ll get a pop-up notification when your balance is insufficient and your transaction will not push through.
No, your cashback can only be deducted from your Home Credit Card statement balance.
Kindly coordinate with the partner store and request a refund from them. Or you may fill out out Dispute Form which you may download at www.homecredit.ph and send it to disputeresolution@homecredit.ph together with all the supporting documents relating to your dispute.
See more FAQs

Frequently Asked Questions

Home Credit Pay Mobile Payments is a new feature in the My Home Credit app that allows you to make payments using your mobile device.
You can pay for your bills, prepaid load purchases and other online purchases.

You can chose to pay using your Home Credit Card and Home Credit Pay Wallet.

It’s free if you use your Home Credit Card or your Home Credit Pay Wallet.

Buy Load is a new feature availabe in My Home Credit app that lets you buy prepaid mobile loads, utility loads and other prepaid products.

All Home Credit customers with a registered account in My Home Credit app can use the Buy Load feature provided they have a Home Credit Card or Home Credit Pay Wallet.

You can purchase prepaid load by using your most updated version of My Home Credit app and follow these easy steps:

1. Click the menu bar at the upper left side of your My Home Credit app.

2. Press Goods and Services then select telco brand under Mobile section or utility prepaid under Others section.

3. Choose the load variant you want to purchase and enter the recepient’s mobile number. You may even go to your contact adress book to select a recipient from your mobile phone.

4. Select your preferred payment method from the confirmation screen and Confirm Payment.

The transaction complete receipt will be available once purchase is successful.

You must have the most updated version of My Home Credit app and your Home Credit Card and Home Credit Pay Wallet must have sufficient balance to pay for your purchase.

You will see the transaction receipt and receive a push notification right after the successful transaction. You may also check the details of your transaction in My Credit Account or Wallet dashboard in My Home Credit app of whichever payment source you have used.

There is no processing fee when you buy load in My Home Credit app instead you’ll get a 5% discount for every purchase transaction.

Make sure that the receipient’s number in the push notification confirmation is correct. If the load you purchased is not received within one hour and the amount was already taken out of your account, send an to e-mail to info@homecredit.ph with a screenshot of the transaction receipt or proof of purchase, transaction number, and date and time of purchase.

Your purchase may not go through if your Home Credit Card and Home Credit Pay Wallet has insufficient balance.

You may add cash to your Home Credit Pay Wallet before you try again or choose another mode of payment that has sufficient balance.

In case you are unable to transfer load or experience a technical issue, you may try again making sure to enter the required details correctly. Send an email to info@homecredit.ph with a screenshot of the error if the error persists.

If the mobile number you entered does not exist or is invalid, the load transfer will not push through. If the mobile number you entered is active, the load will be transferred to the active number and your accout will be charged for that request.

Pay Bill is a new feature availabe in My Home Credit app that lets you pay for your bills with over 200 billing partners.

All Home Credit customers with a registered account in the My Home Credit app can use the Pay Bill feature provided they have a Home Credit Card and a Home Credit Pay Wallet.

Make sure to update your My Home Credit app to the latest version and simply follow these easy steps:

1. Go to the menu bar at the upper left side of your My Home Credit app.

2. Tap Pay Bills then select the category of the billing partner you want to pay.

3. Enter your billing details (i.e. account name, account number and the amount to pay).

4. Choose the payment method you want to use and confirm your payment details.

5. A receipt will pop-up once your payment is successful.

Download or update to the latest version of the My Home Credit app. Make sure that your Home Credit Card or Home Credit Pay Wallet has sufficient balance to cover your bill. Lastly, be ready with the billing details.

You will see the transaction receipt right after your successful transaction and receive a push or email notification. The details of your transaction will also be available in your My Credit Account and/or Wallet dashboards, depending on the payment source you have used.

It’s free if you use your Home Credit Card or your Home Credit Pay Wallet.

Payments may not push through possibly because the balance on your payment option is insufficient or there is an issue with the billing information provided. If you feel you have this covered, feel free to send an e-mail to info@homecredit.ph for further assistance.

If your payment does not push through because there is insufficient balance on your payment option, you may add cash to your wallet account or choose a different payment option that can cover the amount you are paying for.

However, if the amount was deducted from your selected payment option and you still receive an error message, please send an e-mail to info@homecredit.ph for proper resolution and include the transaction reference number and a screenshot of the error message.

You may try again and if error is persistent, send an e-mail to info@homecredit.ph and include a screenshot of the error message.

See more FAQs
Home Credit Philippines is regulated by the Bangko Sentral ng Pilipinas with contact number (02) 8708-7087 and with email address consumeraffairs@bsp.gov.ph