All your credit card payment options, explained

There are multiple ways to pay your credit card bill, from mobile apps, ATMs, to over-the-counter at the bank or mall payment outlets. Each channel has different features, costs, and availability windows. Choose the method that helps you pay consistently—missing payments costs you in late fees and can negatively affect your credit score.

Here’s how to choose the right payment method for every situation.

Mobile and online banking: The 24/7 powerhouses

These digital channels give you the most control and convenience, available whenever you need them.

Metrobank’s own channels:

• Metrobank App: Pay without fees, see your payment post immediately, and handle everything in one app
• Metrobank Online: The full website experience where you can schedule payments ahead of time
• Automatic Debit Arrangement (ADA): Set it up once and payments happen automatically before your due date–just make sure your ADA account is sufficiently funded

Partner bank apps and websites:

• Bank Partners: Use PSBank, or other partner bank mobile apps and websites to pay your Metrobank card
• BancNet Online: Access through multiple partner banks across the country

These digital options work especially well if you already have a Metrobank savings account. Your credit card and savings account live in the same app, so you can check both balances, transfer money if needed, and pay your bill all in one place. ADA becomes even more convenient since it pulls directly from your existing account without any setup hassles.

E-wallets and digital bank platforms

Digital banks and e-wallets bridge the gap between traditional banking and modern convenience.

These allow for quick payments without opening your banking app. These may also earn you some cashback deals or rewards, and some work even if you don’t have a traditional bank account. This channel is best for people who already use e-wallets for shopping, those who like keeping bill payments separate from banking, or anyone who wants backup options.

ATM and self-service machines: Pay while you’re out

When you’re already running errands, these machines let you handle payments conveniently.

ATM payment options:

• Metrobank ATMs: Direct access to your account with all the payment features you need
• BancNet ATMs: A huge network available at most banks and shopping areas
• Other bank ATMs: Partner bank machines let you pay your Metrobank credit card bill

Self-service machines:

• Payment machines at convenience stores: Available around the clock at many locations
• Mall payment kiosks: Scattered around malls and supermarkets

With these channels, you get a physical receipt for your records, and they’re open longer than bank branches.

Over-the-counter payment centers: Personal service when you need it

Sometimes you want to speak with a person or handle multiple transactions at once.

Bank branches and authorized centers:

• Metrobank branches: Full service where you can talk to real people about your account
• PSBank and other partner banks: Partner bank locations that accept your payments
• Bayad Center: Specialized payment centers with longer hours than regular banks

Retail payment locations:

• Malls and Supermarkets: Pay your bills while doing your weekend shopping
• ECPay Partners: Neighborhood spots for local convenience

Understanding fees and processing times

Each payment channel has different cost structures and processing speeds.

Options that don’t cost extra:

• All Metrobank digital channels (app, online, ADA)
• Most e-wallet payments (but double-check individual apps for any fees)
• Paying at Metrobank ATMs

Options that might charge fees:

• Partner bank ATMs may add transaction fees
• Over-the-counter payments often include small service charges
• Some CLiQQ and other machines include convenience fees

How fast your payment shows up:

• Right away: Metrobank App, Metrobank Online, Metrobank ATMs
• Same day: Most e-wallets and partner bank channels
• Next business day: Over-the-counter payments made after banking hours

Note: While posting may take some time, Metrobank always considers the transaction date of your payment. Always save your confirmation details and keep receipts until the payment reflects on your account.

With multiple payment channels at your disposal, missing a credit card payment becomes nearly impossible. Choose the combination that fits your routine, and you’ll always have a convenient way to stay on top of your bills.

For more tips on how to take charge of your finances, visit lifebanking.ph.

Disclaimer: This article is for informational purposes only and does not constitute financial advice. Financial decisions should be based on your own research and personal circumstances. Consider consulting with a qualified professional before making any financial decisions.