BDO Charge on Demand – Use Credit Card to Pay Utility Bills

You can pay utility bills* by using your BDO credit card via the Charge on Demand payment facility. No enrollment needed.

First thing first, you must have a BDO online access. Second, your BDO credit card must already be connected in your BDO online access.

*You will know if you have your BDO credit card in your internet banking if you can see a dedicated section just for your cc. This is usually placed after your registered savings and checking account(s), just before the Investment / UITF section.

Third, you have a copy of the billing statement you wish to pay for. You cannot use BDO Charge on Demand facility if the bill is overdue. Also, note that the processing of payment can take up to 3 banking days. Which means that if the payment due date is very near, it is best to find an alternative payment method.

SECTION A: Can you pay for other person’s bills?

Yes, you can. You can pay the bill of any one using your BDO credit card via this special payment facility. You typically just need the following info:

• Company or Biller’s name or Payee’s name
• Subscriber name
• Subscriber’s account number
• Your BDO credit card (you can select this from a drop-down menu)
• Amount to be Paid
• Payment Due Date
• Contact number
• Landline number

If you offer Loading services, you can now also offer bills payment services to your customers as long as the amount to be paid is at least P300 and is not past due.

Per BDO “No limit to the number of bills you can settle! Pay as many bills as you can through Charge On Demand”.

To use this facility, aside from the minimum P300 current amount due, you must also have sufficient balance in your credit card to cover the payment. Plus, the bill/s you wish to pay is/are not enrolled in any existing Auto Charge Facility (with BDO, other credit card company or banks), this is to avoid double payment.

SECTION B: What are the included utilities in Charge on Demand?*

As of September 2017, these are the partner billers or utility companies which you can pay the current bills of using your BDO credit card. NO NEED FOR ENROLLMENT to your internet banking account. You can just charge the amount due on your credit card and then pay on demand:

• PLDT
• MERALCO
• GLOBEHANDYPHONE
• SMART MOBILE
• IGITEL
• SKY CABLE
• SUN CELLULAR
• BAYANTEL
• MAYNILAD WATER SERVICE

HOW TO PAY BILLS USING BDO CREDIT CARD CHARGE ON DEMAND

We now get to the iSensey tutorial proper for the BDO Charged on Demand payment facility.

STEP 1: Login to your BDO internet banking access. Input your username and password. Key in the one-time-password sent to your mobile phone, or use the mobile app’s OTP generator, or answer one of your security questions.

STEP 2: Click “Pay Bills and Reload” then click “Bills Payment” then click “Pay Bills”.

STEP 3: When the Bills Payment page loads, scroll down, then click “Credit Card Payment”. See screenshot for guide and look for the statement”or clients who wish to pay their bills via Credit Card please click the link CREDIT CARD PAYMENT”

STEP 4: The BDO Charged on Demand page will load. You can now pay bills like PLDT, Meralco, and Sky Cable, etc. WITHOUT ENROLLMENT. Scroll above and go to Section B if you want to see again the available utility bills that you can charge on your credit card.

Enter the needed details. See Section A above for the needed information to process the charge to your BDO CC. Then click Submit.

*If you’ve got more than one BDO credit card in your internet banking, choose the cc you want to use from the drop down menu.

STEP 5: The system will ask you to enter the answer to one of your security questions, answer correctly. Click Submit.

STEP 6: Charge on Demand preview loads. Verify if all details are correct. If there is an error click Edit. If there is no mistake, click Submit.

STEP 7: Charge on Demand SUCCESSFUL TRANSACTION. Screenshot the successful payment for your reference. Take note of the Website Reference Number, this serves as the unique transaction code.

Processing of charge on demand may take up to 3 banking days.

Check Your Email for Successful Transaction

BDO will send you an email containing details of your online banking transaction. See sample:

BDO Hotlines numbers:

• 1800-10-631-8000 (PLDT)
• 1800-3-631-8000 (Digitel)
• 1800-5-631-8000 (Bayantel)
• 1800-8-631-8000 (Globelines)
• INTERNATIONAL (Int’l. Access Code) + 800-8-631-8000

Cut off time is 12 noon. If you use Charge on Demand after 12 noon, the transaction shall be processed the next banking day.

Paying utility bills has become more convenient. Use your BDO credit card in paying PLDT, Sun Cellular, Globe, Smart, Meralco, Maynilad, and more, without enrollment. No BDO credit card? You can apply online or by visiting a Banco de Oro branch.