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ONLINE PAYMENT GATEWAY Frequently Asked Question (Faqs)

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ONLINE PAYMENT GATEWAY Frequently Asked Question (Faqs) Formerly Blue Cross Philippines ONLINE PAYMENT GATEWAY Frequently Asked Question (FAQs) 1. WHAT PAYMENT OPTIONS ARE AVAILABLE? a. Credit Card (Soon) b. Local Debit Card (BancNet) c. Over-the-Counter (Dragonpay) d. Mobile (GCash) e. PayPal 2. WHAT CREDIT CARDS ARE ACCEPTED? All major credit cards are accepted including those with VISA, Mastercard, AMEX, JCB, Diners Club International affiliations. 3. CAN PAYMENT BE DEFERED THROUGH CREDIT CARD? Only straight credit card transactions are accepted. 4. WHAT LOCAL DEBIT CARDS ARE ACCEPTED? Pacific Cross Center, 8000 Makati Avenue, 1200 Makati City, Metro Manila, Philippines T +632 899 8001 F +632 325 0638 W www.pacificcross.com.ph Here For You Formerly Blue Cross Philippines 5. WHAT BANKS REQUIRE MEMBER NUMBER? Allied Bank Allied Savings Bank CTBC Bank Landbank of the Philippines Mertobank PSBank Philtrust Bank RCBC RCBC Savings 6. HOW TO KNOW AND WHERE TO FIND THE MEMBER NUMBER/ BANK IDENTIFICATION NUMBER (BIN) IN THE DEBIT CARD? The Member Number may be found in different locations of the debit card depending on the issuing bank. Please see the image below for example: Pacific Cross Center, 8000 Makati Avenue, 1200 Makati City, Metro Manila, Philippines T +632 899 8001 F +632 325 0638 W www.pacificcross.com.ph Here For You Formerly Blue Cross Philippines 7. WHAT IS THE BANK IDENTIFICATION NUMBER (BIN) PER ISSUING BANK/ WHAT IS THE MAXIMUM TRANSACTION LIMIT FOR DEBIT CARD PAYMENT? The maximum transaction limit and BIN of debit cards varies depending on the issuing bank. The following provides the maximum limit and BIN per bank. BANK ISSUING BANK IDENTIFICATION TRANSACTION LIMIT NUMBER (BIN) Allied Banking 329 No Limit Corporation 504904 Allied Savings Bank 606293 No Limit 100,000 (combined Asia United Bank 602914 w/ Bills payment) Banco Dipolog 581674 40,000 Bank Of Commerce 590144 No Limit BPI Globe BanKo 590118 20,000 421 665 421433 421434 421562 100,000 (combined CTBC Bank 421563 w/ ATM withdrawal 421564 and IBFT) 421565 428307 428339 603224 City State Bank 601959 40,000 470676 Development Bank of 466536 No Limit the Philippines 200059 Dumaguete City Dev't 581837 50,000 Bank East West Bank 437507 50,000 Enterprise Bank 505813 20,000 Entrepreneur Bank 581870 20,000 Inc. Greenbank 639179 20,000 ISLA Bank 581678 No Limit 50,000 combined w/ Korea Exchange Bank 581869 Withdrawal/ IBFT & Bills Payment 603131 Landbank of the 2038 100,000 Philippines 474844 Pacific Cross Center, 8000 Makati Avenue, 1200 Makati City, Metro Manila, Philippines T +632 899 8001 F +632 325 0638 W www.pacificcross.com.ph Here For You Formerly Blue Cross Philippines BANK ISSUING BANK IDENTIFICATION TRANSACTION LIMIT NUMBER (BIN) Luzon Development 601652 40,000 Bank Malayan Savings Bank 603187 No Limit Maybank 603324 30,000 263 Bank to provide together with their Metrobank 504946 confirmation on the 589282 BINs PBCOM 589886 50,000 50,000 (cardholders PSBank 627592 can request for higher limit) Philippine Business 605053 No Limit Bank 592108 20,000 - 100,000 / Philippine National 510266 Shared with ATM Bank 528204 limits Philippine Veterans 590133 No Limit Bank 200000 Philtrust Bank No Limit 627507 Planbank 581827 No Limit Philippine Postal Bank 627818 No Limit 8888 421585 RCBC 20,000 589270 601971 590160 RCBC Savings 20,000 581816 Robinsons Savings 603080 40,000 Bank Security Bank 140651 40,000 407380 Standard Chartered 460186 100,000 Bank 601730 418903 461769 461780 Sterling Bank of Asia No Limit 461782 604885 641781 Sun Savings Bank 581880 20,000 Tiaong Rural Bank 588858 20,000 Pacific Cross Center, 8000 Makati Avenue, 1200 Makati City, Metro Manila, Philippines T +632 899 8001 F +632 325 0638 W www.pacificcross.com.ph Here For You Formerly Blue Cross Philippines 8. HOW TO PAY USING OVER-THE-COUNTER (DRAGONPAY) OPTION? Pacific Cross Center, 8000 Makati Avenue, 1200 Makati City, Metro Manila, Philippines T +632 899 8001 F +632 325 0638 W www.pacificcross.com.ph Here For You Formerly Blue Cross Philippines 9. HOW TO PAY USING GLOBE G-CASH? Enter your 11-digit Globe mobile number then wait for the GCash SMS (2882) and enter your MPIN to authenticate the transaction. Pacific Cross Center, 8000 Makati Avenue, 1200 Makati City, Metro Manila, Philippines T +632 899 8001 F +632 325 0638 W www.pacificcross.com.ph Here For You Formerly Blue Cross Philippines 10. HOW MUCH IS CHARGED FOR USING THE ONLINE PAYMENT GATEWAY? Using credit and debit cards do not incur charges. On-top fees shall only commence when the payment is coursed the following OTC payment channels: PAYMENT CHANNEL ON-TOP FEE BPI ExpressOnline/Mobile (Fund Transfer) 1.00 BPI ExpressOnline (Bills Payment) 5.00 RCBC AccessOne 5.00 M. Lhuillier 20.00 BDO Over-the-Counter 25.00 Cash Deposit with Reference No. BDO Over-the-Counter Bills Payment 30.00 BPI Over-the-Counter Bills Payment 50.00 Security Bank OTC Bills Payment 50.00 11. WHAT ARE THE COMMON CAUSES OF FAILED TRANSACTIONS? a. Debit card has insufficient fund or has reached the maximum transaction limit/ threshold usage during the time of transaction b. Credit card reached the maximum credit limit c. Wrong input of ATM PIN d. Expired debit or credit card 12. HOW TO KNOW IF TRANSACTION IS SUCCESSFUL? After the transaction, a payment status notification shall be emailed to the provided e-mail address. Only one among the three statuses that could reflect in the e-mail: a. TRANSACTION PENDING b. TRANSACTION SUCCEFUL c. TRANSACTION FAILED 13. WHAT TO DO WHEN THE PAYMENT ATTEMP FAILED? For as long as the reference number has not been paid, you can still complete the payment within two (2) calendar days by using the OTC option. Otherwise, if not done within the said duration, you may still opt to pay using the same option but will have to confirm with you Account Executive the proof of payment for manual validation and tagging as paid transaction. 14. HOW TO REQUEST FOR A REVERSAL/ REFUND? Please call/ e-mail the Customer Service Hotline to request for a reversal/ refund: (+63 2) 230-8511/ (+63 2) 230-8522 [email protected] [email protected] Pacific Cross Center, 8000 Makati Avenue, 1200 Makati City, Metro Manila, Philippines T +632 899 8001 F +632 325 0638 W www.pacificcross.com.ph Here For You Formerly Blue Cross Philippines 15. HOW LONG DOES IT TAKE FOR THE REVERSAL/REFUND TO BE PROCESSED? a. Due from credit card – reversal/ refund are processed real-time upon approval of the request. b. Due from other payment options – please request thru your Account Executive for proper documentation and implementation of standard termination/ cancellation policy of Pacific Cross Philippines. For other inquiries: PACIFIC CROSS INSURANCE, INC. & PACIFIC CROSS HEALTHCARE, INC. 8000 Makati Avenue 1200 Makati City, Philippines Customer Service Hotline: (+63 2) 230-8511 (+63 2) 230-8522 Customer Service E-mail: [email protected] Pacific Cross Center, 8000 Makati Avenue, 1200 Makati City, Metro Manila, Philippines T +632 899 8001 F +632 325 0638 W www.pacificcross.com.ph Here For You .
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