Linking Smart Money to Paypal

Smart Money MasterCard can be linked to Paypal. It can be used even if your Paypal balance is zero. I tested it and it works. Here’s how:

1. Apply for a Smart Money Mastercard. Click here and follow steps A to E.
2. Learn about the unlock features of Smart Money MasterCard for offline and online purchase. There are two types of unlock in Smart Money:
   • Unlock for Offline Purchase. Offline purchasing is unlocked by default. When your card is unlocked, you can use your Smart Money Mastercard for shopping at any store that accepts MasterCard. To check its status, go to Smart Money > Card Mgmt > Txn Lock > Check Status.
   • Unlock for Online Purchase. Online purchasing is locked by default. It needs to be unlocked before purchasing online. It automatically locks after 5 minutes.
3. Build some credit history by using your Smart Money Mastercard online and offline
   • Use your Smart Money offline. Use your card to buy in a grocery store. When your parents/friends go grocery shopping, offer to pay their bill using your Smart Money MasterCard and in return, let them pay you in cash.
   • Use your Smart Money online. Donate $1 to Wikipedia. Choose Pay by Credit Card. Dont forget to unlock it.
4. Login to Paypal and add your Smart Money MasterCard. Under Profile, choose Add/Edit Credit Card.
   
   

   Paypal Add/Edit Credit Card
   Make sure your Smart Money is unlocked for internet purchase before clicking Add Card. Paypal will charge $1 (non-refundable, converted to Peso) to your Smart Money MasterCard. Smart Money will send a text message:
   

   Approval of Php 44.29 purchase at PAYPAL Merchant from card Card Name. Avail Bal: Php XXXX.00 Ref: 123456

5. Confirm your Smart Money MasterCard. Click Confirm My Card as shown below.
   
   

   Confirm My Card
   
   

   Confirm Card 2
   When you click Continue, Paypal will charge Php 100 to your Smart Money MasterCard to make sure its yours. The charge creates a unique 4-digit code that will show up on a text message that will be sent by Smart Money:
   

   Approval of Php 100.00 purchase at PP*5465CODE Merchant from card Card Name. Avail Bal: Php XXXX.XX Ref: 123456

6. Enter the code. If successful, the Php 100 charge will be refunded back to your Paypal account in dollars.
7. Test it. Unlock your Smart Money MasterCard and donate $1 again to Wikipedia. But this time, choose Pay via Paypal. If your Paypal balance is zero, the $1 donation will be charged directly to your Smart Money MasterCard.