You can pay any BPI credit card using your BPI Express online access, but you need to enroll the credit card first before you can use the Bills Payment facility.
Take note that you can enroll your own BPI credit card (cc), you can also enroll another person’s cc.
iSensey shares this step by step guide on how to enroll credit card issued by BPI in Bills Payment and Pay the amount due via online banking.
Naka lista na ba sa online banking “My Portfolio” ang iyong BPI credit card?
If you are enrolling your own BPI credit card that is already registered in online banking, meaning you can see your cc details when you click “My Portfolio”, this means you are not required to submit a signed copy of the Bills Payment enrollment form.
It is more convenient because you can just enroll your card in Bills Payment via online and then wait for at least 3 banking days for processing of your enrollment request. Once processed, you will see “BECC” in the list of merchants allowed for Bills Payment. You can then pay your credit card bills using your BPI savings or current account as ‘payment source’.
If your BPI credit card is not included in “My Portfolio” list of accounts, add it first.
Pay Other Person’s BPI Cc Bills Online
Maaari bang i-enroll ang BPI credit card ng iba para mabayaran online gamit ang iyong BPI account? Yes, puedeng i-enroll ang third party accounts.
Now, if you want to enroll another person’s BPI credit card, do any of these options first:
Option 1: Go to your branch, request for the Bills Payment enrollment form, fill up the form, and submit to the banker.
Option 2: Enroll via online, with this you will need to fill-up the online form, download it, print, and mail the form to head office.
Option 3: Enroll via online, fill-up the Bills Payment form, download, print and go to your branch and submit the accomplished form.
You will only do this once.
Once the credit card enrollment is done and it has been processed by the bank, you will see “BECC (your customer number)” in the drop-down menu when you access the Bills Payment section. Sample screenshot provided later on this post.
BECC means BPI Express Credit Card.
You can use the Mobile Banking App or access BPI online banking via desktop or laptop to pay credit card bills after enrollment.
There will be two phases for this iSensey Guide:
Phase 1 Enrolling credit card to BPI Bills Payment
Phase 2 Paying the amount due via online banking.
PHASE 1 – HOW TO ENROLL BPI CREDIT CARD for BILLS PAYMENT
Step 1 Login to your BPI Express Online Banking at www.bpiexpressonline.com. Input username and password and click ‘submit’.
Step 2 Click “Payments and Reloading” then “Bills Payment” then “Enroll Credit Cards or Loans” on the navigation bar. See screenshot guide:
OPTION A. Fill up the first section if you are enrolling your own card that is already part of “My Portfolio”, or
#1 – You will need to choose which of your BPI savings or current account you will use as “source” of funds for Bills Payment of your card.
#2 – Enter label for this card enrollment, or you can just enter the card type.
#3 – Enter the customer id no or the credit card number.
OPTION B. Fill up the bottom section if you are enrolling a third-party account / someone else’s BPI credit card or a card you own but does not appear yet in online banking.
Fill up #1, #2, #3.
If you follow Step 3.A – Just wait for enrollment request activation within 3 banking days.
If you follow Step 3.B – After filling-up the form with the required details, click submit, download a soft copy of the enrollment form, print it, and then go to the branch to submit. OR You may also download, print and mail to head office. OR go to the branch, request for the Bills Payment enrollment form, fill it up, and give it to the banker.
This is a sample confirmation of online enrollment of BPI credit card for Bills Payment. You will also get a similar confirmation after doing the process above.
The confirmation says within 2 banking days but per experience, the enrollment was activated after 3 banking days.
PHASE 2 – PAY CC BILLS ONLINE
Step 1: Login to your Express Online account via desktop, laptop, or mobile app.
Step 2, 3, 4: On the navigation menu, click “Payments and Reloading”, “Bills Payment”, and then “Pay Bills Today”.
If you are using mobile app, click “Pay Bills”.
Step 5: Select BECC (your cc customer number) from the drop-down. If you only have 1 BPI credit card enrolled then you will see only 1 BECC option, choose it.
Step 6: Enter the amount you want to pay.
Step 7: Click drop-down to see the “source account”, then select.
Step 8: In the “Remarks” field, enter note to remind you what the payment is about.
Step 9: Click Submit.
The page will refresh with the payment confirmation receipt.
* iSensey suggest that you screenshot the payment confirmation notice even though you will receive a copy of the payment confirmation via the email you registered with BPI Express online banking.
When will the payment reflect on your credit card balance?
Normally, online payment will be posted to your account 1 day after payment. Once posted, the amount paid will “return” to your credit limit.
Example (normal posting): Your available credit limit as of July 6 is P30,000 instead of the actual P35K credit limit of your card due to a payable worth P5K. Then on July 8 you paid P3,000. On July 9, the available credit limit will become P33,000 to reflect the posted payment. If you paid the P5K in full, your credit limit will reset to P35K.
*If your payment is not reflected the day after, call BPI to inquire.
Skip the long queue in the branches. Register your BPI credit card for online payment via the Express Online Banking and pay conveniently at home or while on the go.
If you don’t have a credit card yet, read more about factors in getting credit card approval. Apply for a card!