Apps

Going Cashless: Make payments, transfer funds all on your phone

It’s pretty convenient

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So you’re stuck at home with some extra time on your hands. When you feel like taking a break from all the shows you’ve been watching, perhaps you can make time to figure out how to transition to cashless payments.

We’re dealing with a unique situation right now and cashless transactions is one of the little ways in which we can help with social distancing measures. Not to mention, it’s also pretty convenient.

If you already have a bank account, chances are you’re already using that bank’s mobile app. If not, we encourage you to do so. But we’re not going deep into that. Today, we’re looking at other payment services that will help you go cashless.

GCash

We partnered with GCash a while back for this quick How-To video. But if you don’t feel like watching, the text comes right after.

Before anything else download the app on the App Store, Google Play, or AppGallery.

Step 1. Open the GCash app and enter your mobile number. Tap “Next” to proceed.

Step 2. Fill in the mandatory information. These include your First Name, Last Name, Birthday, Address, Email Address. When you’re done, tap “Next” to proceed

Step 3. Review your information. Gotta make sure everything’s accurate and matches any official ID you have with you. If you have a referral code, input it using the drop down below your information. Afterwards, tap “Next”.

Step 4. Set your Mobile Pin by inputting a 4 digit MPIN. It’s very important that you can easily remember your MPIN. It serves as your password to access your GCash account. You also need it for your future GCash transactions. So yeah, don’t use your birthday or any birthdays of anyone you’re super close with. Protect your MPIN like your life depended on it. Tap “Submit” to move on.

Step 5. You will receive a 6-digit authentication code via SMS in the device authentication page. Enter the code to authenticate your device.

Step 6. Enter your 4-digit GCash MPIN and click ‘Log In’ to enter the app.

Congratulations! You’re now on GCash. There’s a ton that you can do here. This is where I connected my bank account so I’ve been using GCash to move money around my other accounts, transfer money to my family and friends, load up my prepaid sim, and of course the usual in-store transactions. You can also link it to your Lazada account for your online shopping needs.

For more information, visit the GCash Help Center.

PayMaya

PayMaya is very similar to GCash in that they practically let you do the same things. As mentioned earlier, these are making cashless payments, transferring funds, as well as online shopping. Personally, this is the account I used for most of my app subscriptions like Netflix, Spotify, and NBA League Pass.

Again, make sure you have the app. Get it on the App Store, Google Play, or AppGallery.

Step1: Register with your name, email and mobile number​. The mobile number can be with any network you’re currently using.

Step 2: Create a password​. Unlike GCash which uses an MPIN, the PayMaya password is a lot more like the usual passwords you use for your social media accounts. Again, make sure it’s secure and something easy for you to remember.

Step 3: Receive a verification SMS​. Enter this verification number on the app.

Step 4: Click the VIEW CARD button​.

Step 5: Input your address and birthday​.

Step 6: Receive a confirmation that your account has been activated​

PayMaya also has these cashback promos every now and then. That means anything you purchase, a percentage of that goes back to your account. Here’s a quick little video on that.

To find how you can maximize PayMaya just head on over to their Support Page.

GrabPay

Grab has surprisingly expanded its GrabPay services to more than just hailing rides, deliveries, and paying for GrabFood.

You can now also do the following:

  1. Cashless payment for Grab services (GrabCar, GrabFood, GrabExpress, GrabMart)
  2. Buy prepaid load
  3. Pay bills (Cablielink, Cignal TV, Destiny Cable, DFA, Easytrip, Globe, Manila Water, Maynilad, Meralco, Metro Cebu Water, MMDA, NBI, Pag-IBIG Fund, PLDT, Sky Cable, Smart, Smart Bro, SSS, Sun Celular, UNICEF, VECO)
  4. Pay in-store
  5. Pay online
  6. Send money for free (person-to-person and bank transfer)

Registering is pretty straightforward. Download the app on the App Store or Google Play, and then register using your phone number, Facebook account, or Google account.

For more on what else you can do with GrabPay and how they’re expanding, you may visit their Help Page.

You can also use these services to donate towards efforts in fighting COVID-19. For other ways to help check out our Where To Donate article.

Apps

Instagram will start to put ads on a user’s profile

And on the Explore page

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Ads are everywhere. Several platforms are testing where and how much they can put without raising a lot of fuss from their users. On a few occasions, a platform can cross the line, prompting a wave of reprisals. Instagram, for example, backtracked on a controversial decision to pump out more recommended posts and ads after massive backlash. Despite the recency of the controversy, Instagram is back again with another ad-fueled decision: ads on user profiles.

This week, Meta announced that two more types of ads are coming to Instagram. The first type is a natural extension of what the platform already has. Instead of hiding video ads deep within the Explore section, these short videos will start popping up right on the section’s landing page. Since the section already has ads, it might not be as intrusive, especially when compared to the second type.

Besides a new spot in the Explore feed, Instagram is also adding ads to a user’s profile. Likely to a lot of users’ dismay, it is what it says on the tin. Offering some consolation, the platform won’t spoil a profile’s grid with an ad. Instead, when a user clicks on a post on the profile, the vertical feed, which usually shows a timeline of the profile’s content, will contain spots for ads.

Instagram has not officially confirmed which users will get the feature. However, the company is currently testing it for select creators. It also assures users that it will come only on public profiles, not private individuals.

SEE ALSO: You can snooze recommended posts on Instagram

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YouTube might ask users to pay to watch in 4K

In testing phase

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Despite offering a mostly free service, YouTube is finding new ways to monetize parts of its platform. Now, ads are a lot more prevalent while watching videos. A less popular way is gating some features behind the platform’s YouTube Premium banner. YouTube is trying it once again, though. The platform is currently testing whether to keep 4K viewing behind a paywall.

With the capabilities of displays today, YouTube and its creators can offer content in stunning 4K resolution. Though not everyone can enjoy the feature, 4K viewing was a welcome one.

However, as spotted by some users on social media (via TechCrunch), the video-sharing site is reportedly making the viewing option exclusive for Premium users. The company has not officially announced any change yet. However, YouTube’s other accounts on Twitter replied to some concerned users on the site, citing an “experiment” to test what works for Premium and non-Premium users.

The company is still gathering responses to the experiment. However, if the initial social media response is any indication, a good chunk of YouTube’s users isn’t pleased with having to pay more to enjoy high-quality content.

Currently, YouTube Premium comes at US$ 11.99 per month for interested customers. The paid subscription offers ad-free viewing and offline viewing. If the company sees some progress with the experiment, they might ad 4K viewing to Premium’s mix.

SEE ALSO: YouTube has quietly launched a Podcasts hub

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TikTok, Tencent linked to sexually violent ads on Facebook

Ads continue to run on platform

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Facebook has an ad problem. After spending years on the platform, you might have noticed a plethora of misplaced ads occasionally peppered on your feed. Though most users cringe at how the algorithm can uncannily show appropriate ads right after talking about a certain topic, a series of more off-putting, offensive, and disturbing ads is making the rounds on the social media platform. Now, following a deep dive, a report has found that ByteDance and Tencent are affiliated with the phenomenon.

What are these Facebook ads? In a report from Forbes’s Emily Baker-White, several web novel companies are advertising erotic content on the platform. However, more than just erotica, these ads promote sexual, violence, rape, and self-harm. Some are even using images of popular personalities without their permission.

A particularly egregious example involves a photo of a crying woman in the shower with the caption: “his personal cum bucket.” A few others are more up front about harming women to get sex.

Others depict scenes from Twilight and Star Wars, despite not being affiliated at all with the titles. Several companies and personalities contacted by Forbes confirmed that they did not give these novel apps any permission to use their likeness.

As for the deep dive, a good number of these companies were previously backed by either ByteDance, TikTok’s parent company, or Tencent, one of the biggest Chinese companies in the world. While ByteDance has claimed that the apps don’t reflect their values, these ads continue to proliferate around the platform. Tencent has likewise denied any involvement with the campaigns.

It’s also worth nothing that the apps aren’t limited to just China. One app, called Pinky Novel, operates from the Philippines and is spreading similarly troubling ads everywhere, including one that says, “Raped by Mr. CEO.”

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