8 Tips on Keeping Your Bank Account Safe Online

Posted on December 11, 2012 by Mhel Ignacio | 1 Comment

After receiving phishing and scam emails the past months from fraudulent email accounts pretending they’re from my bank, I decided to write this. Many have fallen victim to these online predators, and at this day and age, people need to understand that scammers can get access to their bank accounts easily when they let their guards down. Hopefully, these tips on keeping your online bank account safe would help someone out there from being tricked.

How to Avoid Online Bank Account Scams

NEVER click on links through emails.

Don’t trust emails with links to access online banking where you’ll need to enter your username and password/PIN, or enter your information. ALWAYS go to the site directly by typing the URL in your browser, OR make sure you’ve bookmarked the link on your browser, so it’ll be easier for you to quickly access the site.

This has been a rampant scam for Unionbank EON users, so be warned. I’ll be writing this more in-depth in my next post.

Use separate emails for your bank, Paypal, social media and other online accounts.

I cannot stress this enough. Do not use the same email address for your bank account, Paypal account. social media accounts (Facebook, Twitter, etc), and other online accounts (gaming, etc).

Use a different email address for your bank account and Paypal – an email that you don’t use on any other site; something only you know.

Also, for Paypal, add and use an alternate email address when transacting with people. If you’re an online seller, this is very important.

Payment Proofs from November to December 2010

Posted on March 15, 2011 by Mhel Ignacio | 0 Comments

It’s been a month since I last posted an update here on Pinay Online Money Maker. For that, I sincerely apologize. I’ve been receiving emails from you, my dear readers, asking me about updates and I have failed to respond. It’s ridiculous how hectic it’s been for me with my other blogs, my business offline and, well, my personal life. But, I promise to make it up to you with a series of new posts in the coming days about my other money-making programs/sites.

By the way, I will be moving this blog to a new server. I’ve received emails from people who say my blog is usually down on their end. It’s a DNS issue with my current server so you might experience some downtime while I move this blog to my new server. Thanks to my uber generous host!

Now, let me share with you my payment proofs and withdrawal proofs from November to December 2010. As much as I would like to post them individually, I don’t want to flood this blog and your inbox/feeds with those. What I’ve decided to do is post all my payment proofs left from 2010 in one post, and then do a monthly posting for the rest, until I get to the most recent ones.

November 2010 payment proof from Scarlet-Clicks

November 2010 payment proofs from
sister PTC sites Clicksia and Incentria:

My First Successful Paypal Funds Transfer to Unionbank EON

Posted on March 18, 2010 by Mhel Ignacio | 1 Comment

As promised, here are screenshot proofs of my withdrawal of Paypal funds to my Unionbank EON cyber account. I transferred my Paypal funds over the weekend and the money is already showing up on my EON account. So, it’s ready for withdrawal from any ATMs this week. It usually takes 2-4 business/banking days before it’ll show up on your EON account.

The foreign exchange rate on March 13th was only Php 44.5052 to $1 USD so I got Php 8,015.83 transferred over to my EON.

(Click to zoom)

And that’s a screenshot of my Unionbank EON cyber account. I got Php 8,053.83 ’cause I had remaining money from my last withdrawal.

As soon as I withdraw my money, I’ll post another photo of me counting the money or maybe everything we bought with that money.

So, if you still don’t believe that I make money online, well, not my loss. You’re the one not taking full advantage of the limitless possibilities of making money online.

To find out how to withdraw or link your Unionbank EON account to your Paypal account, check out the related links below or check my SITEMAP.

Paypal Wishlist Payment Proof – $1.00 (argh) on 01/21/2010

Posted on January 28, 2010 by Mhel Ignacio | 0 Comments

Regrets, regrets, regrets.

That’s what I felt when I found this payment in my Paypal account:

(click to zoom in)

Yes, remember the Paypal Wishlist Application on Facebook? I knew it was legit but some of my friends tried using it and I got nothing. I gave them specific instructions on how to go about it but I wasn’t being credited. So, I didn’t focus on it, thinking that it has some kind of bug or something. Plus, I was busy with a lot of things because of the holidays back in December.

Then, last week, I got the payment. I was like, “WTF?!?!”. Hahaha! I know, I know.

Anyway, lesson learned. I hope you also learn from me. Do not pass up on chances to make money online especially when it’s for FREE!

Let’s hope Paypal Asia would have this giveaway again this year. I’m keeping my fingers crossed.

Did you get anything from Paypal Wishlist?! If you did, show me the payment proofs. Leave the address to the image in the comments section, aight? I’d love to see them… so I’d feel more inclined to smack my head or something. Kiddin’! LOL.

Verify Your Paypal Account using SmartMoney

Posted on November 30, 2009 by Mhel Ignacio | 60 Comments

For you to start earning money online, you at least need a verified Paypal account so you would be eligible to get paid by all online money-making programs that pay through Paypal. However, to verify your account with Paypal, you either need a credit card or a debit card. But, I found out through a friend that Filipinos can now actually verify their Paypal account using SmartMoney.

This is great news for Pinoys like me who are making money online and are using Paypal as their main payment processor. Plus, getting your own SmartMoney card is very easy since you won’t have to worry about submitting any financial documents or annual fees, unlike when you apply for a credit card.

NOTE: SmartMoney CANNOT be used to withdraw your Paypal funds. So, I highly recommend you get a Unionbank EON card because you can use it for verifying and for withdrawals.

Now, let me show you how you can verify your Paypal account with SmartMoney. If you have any questions, feel free to leave me a message, ok?

Get your own SmartMoney account/card.

This is only open to Smart subscribers, obviously. First of all, make sure you check with Smart helpdesk/customer service if your Smart SIM can be used for SmartMoney. I’ve heard from other Smart subscribers that some older SIMs and even new ones need to be upgraded before they can use SmartMoney.

You can get a SmartMoney account and card through any Smart Wireless Center OR you can apply online by filling up this online application form and just follow the instructions. You need Php 30.00 for the processing fee & the card, PLUS at least Php 200.00 to load on your SmartMoney account, which would be used when you start verifying your Paypal account. You’d get it back, don’t worry.

You must be aged 12 years or older to be eligible for a SmartMoney account. Also, you need to submit a photocopy of a valid ID when you go to the Smart Wireless Center for the application.

If you applied through a Smart Wireless Center, you can choose if you would like to receive the card through snail mail or if you’d want to just claim it through any Smart Wireless center you prefer.

If you applied online, you will receive a call from a Smart rep informing you that your card is ready for pickup and just advise them where you’d want to pickup the card. When you go pick up the card, that’s when you’ll pay the Php 30.00 processing fee.

After receiving your card, make sure you activate it using the Smart menu on your phone.

Very convenient, eh? Now, remember that you need to deposit money to your SmartMoney account before you can use it to verify your Paypal account because you’ll be charged at least $3.00 for linking your SmartMoney account to Paypal and verifying your Paypal account. Don’t worry, though, because you’ll get back the $1.95 in 2-5 days. So, just load your SmartMoney card at the Smart Wireless center or from loading centers that sell SmartMoney balance. I suggest you load at least Php 200.00.

How to Activate your Smart Money?

Option 1: Key-word Based
i. Type in MONEY and Send it to 343
ii. Subscriber will receive a prompt to enter desired W-PIN.
iii. Re-enter W-PIN and Press OK.
iv. Choose ‘Get Account’ press OK
v. Subscriber will receive a confirmation message with his Smart Money Account.
vi. Subscriber will receive a confirmation message that W-PIN has been set and Menu will be
updated.

Option 2: Menu Based
i. Go to SMART MENU and select SMART MONEY
ii. Choose any transaction.
iii. Subscriber will receive a prompt to enter desired W-PIN.
iv. Re-enter W-PIN and Press OK.
v. Choose ‘Get Account’ press OK
vi. Subscriber will receive a confirmation message with his Smart Money Account.
vii. Subscriber will receive a confirmation message that W-PIN has been set and Menu will be
updated.

That’s straight from SmartMoney’s Frequently Asked Questions.

Link/Add your SmartMoney account to your Paypal Account.

You have to make sure you follow the steps below to prevent any problems when you link your SmartMoney account to your Paypal account:

Ensure Internet transactions are unlocked on your SmartMoney account.

To do this, go to your Smart menu and open SmartMoney. There should be “Internet Txns” menu option there. If you don’t see it anywhere, you can call SmartMoney helpdesk and request for that menu to be activated OR text “internet” (without the quotes) and send to 343. This should activate the Internet Txns menu on your Smart menu.

If Internet Txns is already available, select that and choose Unlock and pick your SmartMoney card name. You’ll be asked to enter your PIN. Wait for the confirmation that Internet transactions are unlocked then proceed to the next step.

Images from SmartMoney website.

Enter SmartMoney Account details to Paypal.

Fill up all the information on the next page using your SmartMoney card number, expiration date, etc.

Wait for Confirmation from Paypal.

You should receive a text message from Smart that says EXPUSE and it includes a code that looks like “P*####“. The 4 numbers actually is the confirmation code you need to enter on your Paypal account to finish the verification process.

Enter the Confirmation Code to Paypal.

Now, before you can do this, you HAVE to unlock Internet Txns again through your Smart menu. Remember that Smart locks your SmartMoney account after every online transaction.
Once you’ve unlocked it, go back to your Paypal account page and enter the confirmation code that you received. You should receive a confirmation message that your Paypal account has been verified.

That’s it! Easy, right? Now, you have a verified Paypal account.

If you have any questions, feel free to leave me a message below. I hope this helps all the Pinoys out there who want to start making money online, too.

Category Archives: Paypal