BillEase partners with SM Supermalls

Exciting news Billies!

Your most-loved consumer finance app, BillEase, has announced a partnership with the largest mall chain in the Philippines, SM Supermalls.

Tenant partners are now given the opportunity to offer three (3) cardless installment options to customers by simply scanning the BillEase QR Code at their counter:

◾Pay Later in 10 or 20 days for small-ticket purchases;
◾ Pay in 4 installments for medium-ticket purchases; and
◾Pay Monthly in 3, 6, 9, or 12 months for big-ticket purchases, with interest rates between 0% and 3.49% – the lowest rate in the country today

Georg Steiger, CEO and Co-Founder of BillEase, underscored the compelling edges for businesses to join their innovative platform that boasts millions of active users spanning diverse market segments.

Our mission at BillEase is to make financial services more accessible and convenient for everyone. We are excited to partner with SM Supermalls, a true industry leader, to offer its tenant partners and shoppers a new level of flexibility and convenience. Together, we aim to create a unique and frictionless shopping experience that empowers shoppers to buy their dream purchases and pay on their own terms,” said Steiger.

Steven Tan, President of SM Supermalls, emphasized the key impact of this collaboration for both their tenant partners and shoppers.

SM Supermalls has always been at the forefront of innovation in the shopping industry. By partnering with BillEase, we are taking another significant step towards providing our shoppers with an unparalleled shopping experience. This collaboration will not only make shopping more convenient, accessible, and enjoyable for Filipinos from all walks of life but will also contribute to the economic growth of the country by giving our tenant partners access to offer installment payments,” said Tan.


1. Simply download the BillEase app on your smartphone and complete the easy registration process. Wait for application updates that will be received via email. 

2. After shopping, proceed to the payment counter and ask for the BillEase QR code.

3. Log in to your BillEase account and click the scan icon on the top right corner then scan the store’s BillEase QR code. 

4. Input the amount, select & review the payment terms, and settle the required down payment.

We’re adding more tenant partners and making your experience even better. Tell us which brands you want to see us team up with. Stay tuned, because together, we’re going places!

Shop now at any of 100+ World Balance stores nationwide, pay later with ease

Want to step up your game with a fresh pair of lifestyle or sports shoes?

Let World Balance and BillEase help you pace your spending while keeping your gear game strong.

World Balance offers a wide array of quality products and experiences that you will surely love. Whether for everyday wear, work, or performance, World Balance provides value and comfort for customers from different walks of life.

BillEase is now available at 127 World Balance branches nationwide.


1. To start your shopping journey at World Balance via BillEase, simply download the app on your phone.

2. Complete the easy registration process and upload 1 valid ID, proof of income and billing, and 2 character references. Application updates will be received via email.

3. Shop at any World Balance branches in Luzon, Visayas and Mindanao.


4. After shopping, ask for the BillEase QR code at the counter.

5. Open the BillEase app, click the scan icon on the top right corner, and scan the BillEase QR code

6. Input the amount, settle the required down payment, and confirm the transaction.

No credit card? No problem! Head over to your nearest World Balance branch today and shop via BillEase. Happy shopping!

Travel Now, Pay Later! You can now book on Agoda using BillEase

Are you planning your next adventure but worried about the cost? Don’t let finances hold you back from booking your dream flights, hotel, and destinations.

BillEase is now available as a payment option on Agoda, a global digital travel platform, giving Filipino travelers more flexibility to pay in installments even without a credit card.

Thanks to the partnership enabled by Alipay+, a global cross-border digital payments and marketing solution operated by Ant Group, Filipino travelers can now pay for their accommodations, flights, and local activities in installments, even without a credit card.

To use BillEase as a payment option on Agoda, simply select it as a checkout option on both Agoda’s web and app platforms. Travelers can split the total cost of purchases into either bi-weekly or monthly payments for as low as 0% interest or with the market’s lowest interest rate for up to 12 months of installments. This gives customers the power to manage their travel expenses on their own terms, making it easier to plan and book their next adventure.

Georg Steiger, Chief Executive Officer and Co-Founder of BillEase, says, It empowers consumers to get back into the world of travel on their own terms, providing them with more financial flexibility and control. This way, they can begin to explore, reconnect, and create new memories without being burdened by the financial pressure of paying for their booking all at once.”

Peng Yang, Vice President and Head of Alipay+, Ant Group, said: “We are proud to further our cooperation with BillEase as our first BNPL partner in the Philippines, to offer Filipinos more payment flexibility at a global online travel platform like Agoda. Catering to consumers’ diverse preferences for payments is now imperative for merchants. This is especially so in the Philippines and wider Southeast Asia, where consumers have become much more accustomed to digital lifestyles, with a growing preference for digital payments like e-wallets and BNPL. We look forward to working with more partners to reach these consumers and better serve their needs.”

So what are you waiting for? Head over to Agoda and start using BillEase as your payment option today!

No BillEase account yet? Signing up is fast and easy.


1. Simply download the BillEase app on your smartphone or visit

2. Complete the registration process in as fast as 5 minutes and upload 1 valid ID, proof of income and billing, and 2 character references.

3. Wait for application updates that will be received via email.

Buy what you, pay later with ease.

No added fee, 0% Interest: Buy prepaid load now, pay later with BillEase

Did you know that you can enjoy fast and reliable mobile load top-up without having to leave your home or pay extra fees?

Purchase prepaid load and pay later via the BillEase app. Enjoy zero fees, zero interest rate and pay exactly what you load – on your next due date. 

Here are four easy steps to top up mobile prepaid load using BillEase:


Open the BillEase app, then tap “Mobile Load”. Select the mobile account you want to reload. You can also add a new phone number.


Choose from available denominations.


You can also select a promo. Note that promos differ depending on the network provider.


Make sure you have enough available credit limit. Verify payment and the mobile load will be credited instantly to the nominated recipient. 

Aside from mobile load top-ups, BillEase provides different types of financial services such as personal loans, e-wallet top-ups, gaming credits, bills payment, as well as a customizable shop now, pay later option in interest-free or interest-bearing installment plans. Download BillEase today!

Play Store:

App Store:

Here’s How You Can Get an iPhone 14 in 0% Installment Without Credit Card

Hundreds of Apple patrons lined up for hours and even days on the release of the iPhone 14 series in the Philippines last October 14, 2022.

If you’re still looking for signs on whether to upgrade your iPhone like them or make a switch from your current OS, you came to the right place.

According to Pro models of the iPhone 14 series have a 48-megapixel wide lens in the triple-camera array and a new “dynamic island” or a shape-shifting notification bar at the top of the screen to hide the front-facing cameras and Face ID sensor. It is powered by an A16 bionic chip, the ultimate smartphone chip. It is also designed for durability to support your lifestyle and passion, and has 6.1″ and 6.7″ display sizes, all in four Pro colors.

The most advanced iPhone Pro lineup ever can be yours in easy installments even without a credit card or a mobile post-paid plan. 

From October 18-22, 2022, Billies can enjoy up to 6 months of installments with 0% interest from Power Mac Center.

For new BillEase app users, register anytime even outside of banking hours and on weekends:

  • Download the app for free and complete the signup process
  • Provide 1 valid ID, source of income, proof of billing, and only 2 character references
  • Monitor your email for application results and head on to the nearest Power Mac center to avail of the promo

For existing BillEase app users, visit any Power Mac Center and pay using the BillEase app in 3 easy steps:

  • Ask for the BillEase QR code at the counter
  • Open the app, click the scan icon on the top right corner and scan the BillEase QR code
  • Input the amount and choose from the light and easy payment terms

The promo is valid for in-store transactions only and requires a ⅓ upfront payment or a 34% down payment. 

BillEase QR banner at Power Mac

Cravings But Not Payday Yet? 7 Restos To Eat Now, Pay Later At Even With No Credit Card

An English Victorian novelist once said, “No man can be wise on an empty stomach.”

So if you have cravings but are still counting the days to receive that paycheck for this cut-off, BillEase has got you covered!

Visit any of our partner restaurants and pay using the BillEase app in 3 easy steps:

  • Ask for the BillEase QR code at the counter
  • Open the app, click the scan icon on the top right corner and scan the BillEase QR code
  • Input the amount and choose from the light and easy payment terms

Here’s an especially crafted list of partner restaurants where you can eat now, and pay later. Bon Appétit!

Bistro Charlemagne

Known for its high-grade ingredients, Bistro Charlemagne is an Asian Fusion Restaurant launched in 2015, drawing heavy inspiration from the family-owned restaurant Little Asia. Their Beef Tenderloin Rolls with Cheese, Ox Sisig, Shrimp Poppers, Crispy Lumpiang Hubad,  and Little Asia’s Crispy Chicken are a must-try!

Bistro Charlemagne at Ayala Malls Manila Bay recently partnered with BillEase and is committed to bringing an exciting gastronomic experience to everyone.

“Through BillEase, there will no longer be such thing as ‘petsa de peligro’ because our customers can eat now and pay later,” said Captain Waiter Gilmar Lagumbay, who since joining the restaurant in 2017 has noticed a drastic increase in customers who are using non-cash and alternative payment options, such as BillEase.

Bistro Charlemagne Ayala Malls Manila Bay is located at the 3rd Floor Cinemas Building and you may contact them at (02) 79149082 or 09266759345. 

Bay-Bay Seafood and Grill

Are you planning an out-of-town celebration with family or friends? The waves are calling and you must go. If you’re heading to La Union or a local at the Surfing Capital of the North, you don’t wanna miss a chance in dining at Bay-Bay Seafood & Grill.

The restaurant is famous as the home of the Original Seafood Feast in La Union and has an impressive selection of seafood and shellfish platters such as the mouthwatering Sea Food Feast Black Pepper.

Download BillEase now, sign up, and start your eat now, pay later experience at Bay-Bay Seafood and Grill located at G1 Ciabel Hotel & Fitness Center Panicsican, San Juan, La Union.

Kukis Empanada

Sometimes, the best memories are created on that meal between lunch and dinner — yup, it’s called merienda.

Whether you’re hustling midday at the office or pulling an all-nighter at home, Kukis Empanada has the perfect snack for everyone. It offers a unique dough recipe that makes Asian-style empanadas so flavorful, savory, and delicious. Made from all-natural ingredients, their deliciously cooked, artisan-shaped pies are cooked to perfection.

Get your yummy treat today and pay later with BillEase at Kukis Empanada located at Victory Park, San Isidro, Antipolo, Rizal. You may contact them at 09760011129.

Ketos of Manila

If you’re a health buff or just on a conscious diet, we also have something for you. Known as the #1 provider of Ketogenic diet in Metro Manila, Ketos of Manila has a complete product range from customized diet meal programs, to low carb meals, to sugar-free and keto bakery goods, to discounts and promos.

They are passionate about creating great-tasting food for hundreds of customers each week, as the Keto diet continued to grow in popularity in Metro Manila.

If you’re looking to eat clean, lose weight, get fitter, or snack sweetly and guilt-free, you may reach out to 09497865399 or visit them at #73 Dr. Natividad, Ibayo-Tipas, Taguig.

Pancake House

Walk down memory lane with mom and dad as you treat them at Pancake House. Having been around since the 1970′s, the restaurant is as familiar as a childhood friend to almost every Filipino family.

With their famous fried chicken, pancakes, spaghetti, creamy carbonara, tacos, and waffles, you will surely have delectable treats. 

Savor the taste of your all-time favorite as you walk through the door and hear warm greetings at Pancake House branches. BillEase is available at the following Pancake House branches:

Pancake House – Festival Mall

Pancake House – Uptown Mall

Pancake House – South Supermarket

Pancake House – SM City Sucat

Pancake House – Pacita Complex

Pancake House – Southwoods Mall

To start your eat now pay later experience, make sure to download and sign up using the BillEase app. At the restaurant’s counter, scan BillEase’s QR Code upon checkout and select from easy payment terms. Finally, receive the order confirmation and your payment schedule. 

Cinq Dessert Boutique

Birthdays, anniversaries, promotions at work, and other important occasions are not complete without cakes.

If you’re looking for an indulgent bite, Let Cinq be your sweet solace. This dessert boutique has Instagram-worthy and equally appetizing cakes and pastries made from only the finest fresh and natural ingredients. You can choose from Strawberry Sponge Cake, Ube Macapuno, Avocado Chocolate Cake, Pandan Cake, Tiramisu, Ube Macapuno Cake, and many more. 

Satisfy your sweet tooth today and visit Cinq Dessert Boutique located at  GF Ceo Flats, 27 Canopus corner Jupiter St., Makati. You may also contact them at 09178333445.


Eat for a good cause at this not so OD-nary bakeshop called Overdoughs. Their branches are mostly run by Deaf and Awesome individuals because they believe in doing good through good food.

One of their best-sellers is the OD Sourdough Pizza. It is a 12-inch-sized pizza, handcrafted with a sourdough base that comes in 6 unique and savory flavors: Truffle and the 3 Shrooms, Meat Me All The Way, Sam & Kimcheese, K.K.B. (Kang Kong and Blossom), Quatro Keso and Scallops & Honey Bacon Pizza. They also have chicken combos, cookies, donuts, and many more.

Treat yourself today at Overdoughs Cafe + Elait located at 2F Promenade Mall, Greenhills, San Juan City. 

BillEase, PayMongo Partnership to Drive Growth for Retailers through card-free BNPL

BillEase, the top buy now, pay later (BNPL) and consumer finance app in the Philippines, and PayMongo, the leading payment processor backed by Y Combinator and Stripe, today announced the launch of their strategic partnership to help retailers drive growth through a transparent card-free BNPL service. Retailers using PayMongo can now offer BillEase as an installment option at checkout, providing consumers a seamless shopping experience.

Through BillEase, online and offline retailers can offer shoppers three installment options at checkout: Pay Later in 10 or 20 days and Pay in 4 installments for small-to-medium ticket purchases, and Pay Monthly over three, six, nine, or 12 months for big purchases with interest rates between 0% or 3.49 percent – the cheapest rate in the country. Retailers can also choose to offer 0 percent annual percentage rate (APR) via PayMongo. For example, a PHP 15,000 purchase would only cost PHP 3,350 over 3 months at 0% APR with only 1/3 upfront payment.

Isabel Ridad, PayMongo’s Acting Chief Executive Officer: “We’re thrilled to partner with BillEase so thousands of businesses using PayMongo can offer consumer credit at checkout and flexible installment plans. Our payment infrastructure, combined with BillEase’s customizable payment plans and transparent consumer credit offering, is a powerful tool for retailers to reach new customers, and increase average order values.”

Georg Steiger, Chief Executive Officer & Co-Founder of BillEase: “Over the past 3 years, BillEase and PayMongo redefined the ecommerce landscape for millions of Filipinos. This strategic partnership underscores our shared values of providing flexible and transparent point-of-sale (POS) financing for retailers and their customers. With PayMongo, BillEase can provide inclusive options for retailers across all sizes and categories, helping them attract new customers and build strong loyalty.” 

Unlike other BNPL providers, BillEase is an “on-demand consumer credit app” that shoppers can use online and offline for different types of transactions, from paying for day-to-day needs like food and grocery to discretionary purchases like electronics and furniture. Customers can split payments in easy installments even without a credit or a debit card and do not require topping up an e-wallet account. Shoppers only need to provide 1 valid ID when signing up and get instant credit to complete their purchase at checkout.

Over 1,000+ online and offline retailers using BillEase experience increased conversions and basket sizes. Businesses already offering the BNPL service see a significant increase in sales conversion between 15-25% with average order values increasing up to five times more than sales that are not paid through POS financing. Its revolving credit line provided to customers who sign up also increases the likelihood of re-transaction using the same payment method. 

PayMongo offers a quick and fully-online onboarding process and seamless integration with retail websites or apps, which allows them to accept digital payments such as credit and debit cards, online banking, e-wallets, and BNPL with BillEase as the newest addition to the channel. PayMongo is used by over 10,000+ retailers in the Philippines. 

Championing Customer Engagement at BillEase, MoEngage #GROWTH Masterclass 

September 26, 2022 – BillEase, one of the fastest-growing consumer finance apps in the Philippines, today announced a successful gathering of its top merchants through a masterclass in partnership with MoEngage, a global insights-led customer engagement platform.

As a rapidly growing shop now, pay later platform in the Philippines, BillEase continuously strengthens its relationship with merchants and end consumers. While searching for the ideal customer engagement platform, BillEase also needed a platform that could improve the deliverability of push notifications.

By using MoEngage’s industry-first capabilities like Push Amplification™ Plus, BillEase has improved the deliverability of its messages, increasing engagement amongst merchants and end consumers. 

“By associating with MoEngage, we look forward to enhancing our customer engagement strategy and boosting conversions on BillEase. We aim for BillEase merchants to increase their conversions and their customer lifetime value,” said Georg Steiger the CEO and Co-Founder of BillEase.

Saurabh Madan, the Vice President and General Manager of MoEngage Japan, ANZ, and SEA, said the partnership aims to scale greater heights in the Filipino fintech ecosystem: “It is our ultimate goal to assist BillEase in its mission of increasing financial access to Filipinos. With our best-in-class customer engagement platform, we aim to support them in all aspects of customer engagement.”

As part of its fifth-anniversary celebrations, BillEase has collaborated with MoEngage for an exclusive masterclass “How to Engage with Customers to Increase their Lifetime Value” on September 23rd, 2022 at Marquis Events Place, Taguig. 

#GROWTH Masterclass by MoEngage was an invite-only event offered by BillEase to its topmost merchants. The attendees received fresh insights on how to leverage customer engagement to create personalized and seamless brand experiences to increase their customer lifetime value. 

In a panel discussion hosted by Sirish Krishna Pallevada the Country Manager of MoEngage to the Philippines, Lazada Philippines shared that investing in consumer research plays a vital role in providing a seamless experience to users: “Whatever we learn from our customers, we formulate that into strategy, and whatever message we come up with, we push forward with strategies that are aligned with different teams of the platform,” said Krisel Macatangay, Lazada’s Consumer Relationship Management (CRM) Manager.

Panelists from Sta. Lucia Grocers, Lazada PH, PriceLOCQ & BillEase leading meaningful discussions on how to engage customers.

PriceLOCQ Philippines meanwhile, shared the importance of making sure that customers have a seamless experience for both online and offline transactions: “It requires close alignment between the teams. More than it just being a marketing aspect, being familiar with your users’ journey is something that affects all the things that contribute to developing and promoting your product,” said Dyane Chua, PriceLOCQ’s Consumer Marketing and Analytics Supervisor. 

The event brought together over 30 growth & marketing leadership attendees with a range of topics on engaging customers and driving growth. 

MoEngage leaders Sirish Pallevada & Saurabh Madan in collaboration with representatives from BillEase top merchant, MetroMart.

For panelist Janme Dhakal Jr., Managing Partner of Sta. Lucia Grocers, one of the key factors in emerging from the unexpected silver lining of the Covid-19 pandemic was knowing their customers and hearing what they have to say: “We had customers who were senior citizens who live alone. It was more of listening to them and identifying what their pain points are and solving them as much as we can.”

BillEase’s Head for Offline Merchants Khristine Subijano shared that tailor-fit solutions for customers are as important as it is for partner merchants: “We look into their typical services that customers are utilizing. Depending on the usage of our customers, we figure out which programs we should highlight. For the merchants’ segment, when we see that there’s low performance in a segment, we try to push more marketing initiatives or collaborations. We do the same thing for segments with potential.”

BillEase PSA: Don’t Get Scammed!

 Some scammers are pretending to be BillEase agents or staff and are calling/messaging customers who posted their loan concerns in our FB group or other social media. Be careful and vigilant! Wag magpa-scam!

1. Be careful when posting your contact details online. Scammers have ways in getting your mobile number and email address such as by visiting your Facebook profile page. When you need to provide your account details, make sure to do it privately. And if you have account-related concerns or questions, best is to email us at

2. We will NEVER ask you to change your BillEase app PIN as well as your PIN for other apps such as GCash,, etc. The same way that we will never ask you to provide your log in details, password, authentication code, or OTP.

3. When someone ask you to change your contact details for any reason such as so your credit limit will increase or cash loan will be activated in your account, DON’T. They will steal your account and your money. Our staff will NEVER ask you to add their mobile or email your contact details.

4. Our staff can’t help you increase credit limit, activate cash loans, multi-loans. These are system-generated and our staff does not have access to it. Anyone who promises to unlock these features is trying to scam you.

5. Only make payments via the Pay Now function in BillEase App. All our official payment methods and accounts are listed there.

Stay safe!

Google Play Protect

Some users of our android app received a warning from Google Play Protect today that BillEase app is potentially harmful and spying on their device. We are working with Google to understand and resolve this warning.

The warning seems to affect older versions of our app, so can update (or uninstall and re-install) to the latest version. Alternatively, all features are available at our website and you can login with the same user details there:

The warning message has alarmed many users, so we want to stress that we do NOT access or ask for permission for very sensitive data such as SMS messages, call history or audio recordings as stated in the message. For photos our algorithms use only metadata but not actual photos. Also no data breach or hack has occurred.

We take data privacy and protection very seriously and we want to make sure your data works for you. We do collect and use data on your phone to facilitate automated credit approvals and to protect your account and combat fraud – an issue that has become only more prevalent during the pandemic. Based on our understanding this data collection may have triggered an algorithm or review at Google Play to issue this warning.

We disclose this data collection and use prominently and the granting of permissions is optional. Most importantly we never use your data for unethical collection practices or other illegal purposes.

Please also refer to our Privacy Policy for more details: