• What Merchants Need To Know About Buy Now, Pay Later + How It Can Help Your Business

    What Merchants Need To Know About Buy Now, Pay Later + How It Can Help Your Business

    Going digital is one of the adjustments many businesses are doing these days. Because of the Covid-19 pandemic, businesses, both big and small, are resorting to the World Wide Web not only to sell their products but also to reach out to bigger market.

    What does this mean?

    As a business owner, you need to make extend payment options to consumers to make payments easier and more convenient. Payment channels include:

    • Bank transfer, either online or over-the-counter
    • Gcash
    • Credit card
    • Payment centers like Bayad Center or SM Payment Center

    These are convenient options especially for small purchases. What if your customer needs to buy big items from you? Ideally, credit card will suffice. But for millions of Filipinos who don’t have access to credit cards, purchasing items they need will be limited.

    How can you provide solution as a business owner? Add Buy Now, Pay Later facility in your list of payment options.

    What is Buy Now, Pay Later?

    Also known as BNPL, this payment scheme allows consumers to shop for their needs and pay for their purchases later, usually on installment basis. You can also enjoy interest-free period, usually two months, starting from the day of purchase.

    The BNPL payment scheme has been around for quite sometime. Credit cards are the best example of this since consumers can already buy items and pay for them at a later time or on installment. Unfortunately and because of the required documents, not everyone can get a credit card. This could limit someone’s spending power, especially when they need to purchase big items.

    As a business owner, how can you avoid this? Consider adding BNPL payment option in your list of available payment channels.

    Why incorporate BNPL as part of your payment channels?

    • Reach out to younger consumers – E-commerce is a boom nowadays. Because of the pandemic, people are more scared to go out and prefer shopping for the items they need online. Millennials and Generation Z are heavy Internet users and are more likely to see your brand online. They are also more open to try different payment schemes that will make shopping easier and more convenient. Through Buy Now, Pay Later, you will be able to provide a new payment scheme that allows them to enjoy shopping and pay for their purchases later.
    • Helps you target unbanked customers – Unfortunately, not everyone can have a credit card. Banks have stringent requirements such as bank account to ensure that credit card holders are able to pay. In case of large purchases, owning a credit card could come in handy. If you offer BNPL as part of your payment options, then you could also target those who don’t have a credit card and encourage them to buy the items they need. This will give them more buying power as well.
    • More buying power for consumers – Not everyone has the capacity to buy whatever they want anytime they want. Unfortunately, there are cases when someone needs to purchase big items immediately such as new appliance or laptop for online schooling but with limited cash on hand. Through Buy Now, Pay Later, merchants are able to purchase items they need and pay for those items later. This means you will notice an increase in your customer’s basket size since they are more capable of spending more.
    • Offers flexible payment – BNPL allows consumers to shop for the items they need and pay for them on bi-monthly or monthly basis. This means customers can stretch payment and give them a chance to realign their budget every month.
    • BNPL is a booming market – Recent world events forced people to adjust and change their buying behavior. In fact, online transactions have increased since then. This includes providing alternative yet convenient payment solutions such as Buy Now, Pay Later. It gives consumers an opportunity to overcome their financial situation, especially when urgent purchases must be made.

    That being said, BillEase is ready to accommodate your need for BNPL platform and help you grow your online market.

    Why BillEase?

    • No set up fees
    • No minimum fees
    • Higher loan credit limit
    • 2.5 percent interest for every successful transaction
    • Daily disbursement through automated bank transfer
    • Down payment option, especially for purchases beyond the customer’s credit limit, is offered

    More importantly, BillEase supports all merchants, regardless if you’re big or small, no matter what type of business you’re in. Call us and request for a demo, and be one of our merchants today.

  • 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: https://billease.ph/

    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: https://billease.ph/privacy/

  • BillEase Expands Zero-Interest ‘Buy Now Pay Later’ Option in the Philippines

    BillEase Expands Zero-Interest ‘Buy Now Pay Later’ Option in the Philippines

    BNPL provider introduces interest-free bi-weekly payments on top of monthly 0% interest plans

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  • How to Settle Your BillEase Downpayment: Three EASY steps

    How to Settle Your BillEase Downpayment: Three EASY steps

    In case you missed it: BillEase is now available as a payment platform for 100+ merchants online. This means you can buy now from our wide array of partner merchants and pay later using your BillEase credit limit. 

    And you can buy a wide range of products, too. From gadgets to furniture and appliances, to fashion items, and beauty and health products, you certainly can get whatever you need from BillEase. 

    Certain items – specifically items with higher price range – require a downpayment to avail. This usually amounts to ⅓ of your purchase’s total cost. 

    Is there a process in settling your downpayment with BillEase? Yes, and we’re here to teach you how.

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  • 5 Ways to Pay Your BillEase Installment

    5 Ways to Pay Your BillEase Installment

    “Blissful shopping, easy billing” – this has been BillEase’s promise to its customers ever since this service started.

    As a company, our goal is to provide customers with easy and hassle-free installments, which everyone can enjoy.

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  • How to Buy Now and Pay No Interest Rates or Fees EVER

    How to Buy Now and Pay No Interest Rates or Fees EVER

    The “Buy Now Pay Later” (BNPL) payment method is not new in the market, but in the age where online shopping has become more of a necessity, BNPLs have also proven their use as a convenient way to purchase items without breaking the bank.

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  • Buy Now at Toshiba, Pay Later With BillEase

    Buy Now at Toshiba, Pay Later With BillEase

    Dishwasher, washing machine, multi-cooker, refrigerator – these are just some of the many appliances you need at home. These appliances are also helpful and useful, especially now that a lot of people are staying at home. Most families consider cooking and baking

    If you are particular about a certain brand, then consider Toshiba on your list.

    But first, some brief background about the company –

    In 2013, Concepcion Industrial Corporation, the company behind Carrier and Condura, forged a partnership with Midea Global, the world’s number one appliance manufacturer in the Philippines.

    The birth of Concepcion Midea Incorporated Philippines brought laundry and refrigeration solutions for residential and commercial users over the years. In 2017, the company sealed a partnership with Toshiba Lifestyle Solutions, a world-class brand that delivers superior Japanese quality products. The said partnership provided intelligent home solutions to make every Filipino family’s lives easier.

    Products include:

    • Refrigerator
    • Washing machine
    • Dishwasher
    • Microwave
    • Water dispenser
    • Multi-cooker
    • Electric fan
    • Air purifier

    We know what you’re thinking: what about the price?

    The good news is that you can now shop for your preferred Toshiba product and pay for it installment.

    Here’s the better news: you can enjoy monthly installment payment even without owning a credit card. How convenient is that?

    This is all because of the company’s partnership with BillEase. Through the Buy Now, Pay Later program, you can now enjoy shopping for your much-needed items at home and stretch the payment terms to up to six months.

    Is this enough to get you excited? Here’s how you can avail of the installment facility from BillEase when you shop at Toshiba.

    Step 1: Register

    You need to create an account with BillEase and Toshiba first. Don’t worry because signing up is free and easy.

    For Toshiba, simply fill out the registration form to register. Make sure you have an active email address since the confirmation link will be sent to your email. Click the confirmation link so you can start shopping.

    Registering with BillEase is easy, too. Just make sure you have a government-issued ID, pay slip, and copy of the utility bill when you sign up. You can sign up directly at the BillEase website or download the app for free at the App Store (for iPhone users) or Google Play Store (for Android users).

    Step 2: It’s Time To Shop

    After creating your accounts, you can now start shopping. Choose among Toshiba’s wide range of products to make your stay at home easier and more convenient.

    Click the item you plan to buy and then click Add to Cart.

    Once you’re done shopping, click My Cart located at the upper right side of the screen. Review your purchase/s and then click Proceed to Checkout.

    Step 3: Customer Information

    Fill out your shipping details. This will also be used to compute your shipping fee.

    Sample only

    Take note that the pick up option is also available as a delivery method. You can pickup your order either in their Cabuyao, Laguna warehouse or Chino Roces, Makati office.

    Then click Continue to Payment.

    Step 4: Payment

    Toshiba has several payment options including bank transfer through BPI or BDO and PayMaya.

    But if you want longer payment terms, especially since appliances come with a hefty price tag, then choose BillEase as your payment option. The best part is you don’t need to own a credit card to be able to qualify.

    Then click Complete Order.

    Step 5: BillEase Checkout

    You will be directed automatically to the BillEase Checkout page. Log-in to your BillEase account.

    After logging in, configure your loan terms, particularly:

    • Installment term (up to 12 months)
    • Repayment frequency (once or twice a month payment)

    As you configure the loan terms, you will notice changes in the installment term. Use this as your guide to determine your readiness to pay every month.

    Then click Next.

    Step 6: Loan Confirmation

    You will see a copy of your Loan Agreement as well as schedule of payment in the next window. Take your time to read your contract because it will tell you everything you need to know – interest rate, penalty fee in case of default, other charges (only if applicable) , installment fee and schedule of payments, effects of default among others.

    Sample Loan Contract

    Then, input the four-digit OTP to confirm and finalize your loan. At this point, your loan application can no longer be canceled.

    Upon confirmation of your loan, just wait for the items to be delivered to your home, in case you opted for shipping.

    Easy, don’t you think? Now, you can have quality appliances at home and get to pay for those items on installment. Just don’t forget to allocate funds for your monthly payment because BillEase likes it when customers pay on time and in full. Who knows, you could get higher credit limit next time.

    Happy shopping!

  • Mandaue Foam Now Offers Buy Now, Pay Later Through BillEase

    Mandaue Foam Now Offers Buy Now, Pay Later Through BillEase

    Rose Tarlow, an American interior designer, once said, “Furniture must have a personality as well as be beautiful.” That’s true. Even if furniture are meant to be used, this doesn’t mean you have to buy whatever you find and put it in your home. It has to give a certain vibe so you’ll enjoy going home.

    When it comes to furniture and other home accessories, here comes Mandaue Foam.

    Who is Mandaue Foam?

    The name doesn’t sound new to you because you’ve seen and heard about them for years already.

    Mandaue Foam has been around since 1971, creating form and furniture products made of high quality materials. It aims to provide affordable and high quality foam and furniture products to Filipinos.

    For the past 40 years, the company came a long way from being a foam manufacturer in Cebu to becoming a nationwide brand with more than 25 factories and showrooms all over the country including Iloilo, Bacolod, Davao, Batangas, and Metro Manila.

    But let’s face it: buying a furniture or even a foam doesn’t come cheap. Thankfully, Mandaue Foam offers various payment options including:

    • Credit card (Visa, Mastercard, JCB)
    • Paypal
    • PayMaya
    • GCash

    Here’s good news: you can now shop for foam and furniture items from Mandaue Foam and pay on installment even without a credit card. This payment option is made possible with Mandaue Foam’s partnership with BillEase.

    BillEase x Mandaue Foam

    BillEase allows you to pay for your online purchases bi-weekly or equal monthly installments. Once your account is approved, you will be given P2,000 to P10,000 limit.

    Depending on your payment behavior and frequency of using BillEase as your payment channel (other merchants included), you can get as much as P40,000 credit limit.

    The best part is that you don’t need a credit card to avail of the Buy Now, Pay Later facility.

    Here’s how:

    Step 1: Create an account.

    Sign up and create an account with both BillEase and Mandaue Foam.

    You can create an account for Mandaue Foam by clicking this link. This will only take a one to two minutes.

    For BillEase, you can create an account upon checkout in Mandaue Foam website or by visiting the BillEase website, which you can access here. You can also download the BillEase app for free in App Store (for iPhone users) or Google Play Store (for Android users).

    Take note that when applying for BillEase, you need to be at least 18 years old, with at least one government-issued ID such as passport or driver’s license, and proof of billing like bills for Meralco or Maynilad. This will only take three to five minutes.

    Step 2: Start shopping.

    After creating an account, browse through Mandaue Foam’s wide selection of foam and furniture products for your home including houseware, storage solutions, home decor, and lights. You can also shop for office and outdoor furniture. Baby essentials such as nursing pillow and baby nest are also available.

    Click the item you wish to purchase and then choose which branch to shop. Then click Add to Cart.

    Step 3: Checkout.

    Once you’re done shopping, click the grocery cart icon on the upper right corner of the screen.

    Review your purchase/s as well as your branch of choice. After reviewing your orders, click the check box that says I have reviewed my order summary then click Checkout.

    Step 4: Shipping Information

    Fill out your shipping information, which will be used to compute your shipping fee. Then click Continue to Shipping.

    You can opt for branch pickup to save on shipping costs. Otherwise, you can have your items delivered via Mandaue Foam’s partner logistics or you can book your own courier.

    Then click Continue to Payment.

    Step 5: Payment

    In the payments option, choose BillEase. Then click Complete Order.

    You will be directed to BillEase Checkout page. Don’t forget to log in.

    Then, start configuring your loan terms including installment term and repayment frequency (you can choose between monthly or twice a month).

    As you navigate the button, you will see the installment amount below for reference. Then click Next.

    Step 6: Loan Confirmation

    The next step would be to confirm your loan. New window will appear showing a copy of the promissory note as well as the Disclosure Statement, which shows your scheduled payment.

    Sample Loan Agreement

    A four-digit one-time password (OTP) will also be sent on your registered mobile number. Input the said code to confirm your loan application and then click Confirm.

    Take note that at this point, you can no longer cancel your loan application.

    Now that you confirmed your order, make sure to pay your scheduled amortization on time. BillEase values customers with good payment behavior and will make it easier for you to get approved for a higher loan.

    What are you waiting for? Shop now!

  • Get Your Next Facial Session From Remedy Skin Solutions

    Get Your Next Facial Session From Remedy Skin Solutions

    Did you know that acne is the most common skin condition in the Philippines? In fact, it affects millions of Filipinos regardless of age and gender.

    Aside from acne, dark spots, pores, signs of aging, and scars are also some of the issues one has to deal with. In a society where appearance still matters, it’s good to know that there are facilities that gives you “a solution beyond the cure.”

    Introducing Remedy Skin Solutions.

    Who is Remedy Skin Solutions?

    Acne may be a common skin problem but dealing with it isn’t the same for every individual. This is where Remedy Skin Solutions come in.

    Remedy believes that you can’t put a price on confidence. This is why every acne concern will be addressed with personalized and step-by-step approach to make sure that your skin concern will be solved.

    Why Remedy?

    • Provides you with high-quality but reasonably-priced dermatology solutions
    • Handled by seasoned professionals in Dermatology
    • Customized treatment that will fit your needs
    • Overall skin care

    To put simply, Remedy is committed to providing a treatment for acne using the safest, fastest, and most effective way possible. This way, you can get a healthy skin that you deserve.

    Other services offered are:

    The next question now is this: how much does the treatment costs?

    This depends on the kind of treatment, the results that you want to achieve and number of sessions. For maintenance and cleansing, each session starts at P3,300 per session.

    For complete rejuvenation and instant results, it will cost you P10,500 per session. Other services are between P7,000 and P9,000 per session.

    Package deals are also offered by Remedy Skin Solutions, which allows you to save at least P1,500 per session.

    You can check Remedy’s complete pricing of their services here.

    But that’s too pricey! What are my other payment options?

    The good news is Remedy Skin Solutions recently partnered with BillEase to provide you a convenient and more affordable way to help you achieve clearer and more youthful skin.

    How does this work?

    You only pay one-third of the total fee and pay the rest in six equal monthly installments. This way, you don’t have to pay everything in one go and budget your expenses accordingly.

    The best part is you don’t even need a credit card to avail of Remedy and BillEase’s installment facility.

    I’m interested! How do I apply?

    Application is easy and convenient.

    First, you need to sign up with BillEase to create an account. Don’t worry because signing up is easy and will not require tons of documents. You’ll get instantly approved, too. Just make sure you have at least one government-issued ID, proof of income, and proof of billing for verification.

    You can sign up by downloading the app on App Store or Google Play Store for free. You can also sign up directly through BillEase website.

    Second, sign up and create an account with Remedy. Signing up is convenient, too.

    Third, book your consultation online by visiting Remedy Skin Solutions website. You can also access the website here. Click New Clients in case it’s your first time to try Remedy’s services.

    Customize your booking by choosing your preferred treatment and desired schedule. Take note that dates in green are the clinic’s available dates.

    Due to ECQ restrictions, Remedy will limit customers to ensure everyone’s safety.

    Then, click Book Reservation. You can also send a message on their Instagram page for faster booking to properly facilitate the installment payment procedure.

    Fourth, you will get a payment link for your treatment. Make sure to check your registered email for confirmation.

    Since payment will be done on installment basis, you will be required to pay one-third of the chosen treatment while the rest will be distributed into six interest-free installments. Don’t worry because payment instructions will also be sent to your email.

    Here’s a sample breakdown for your reference:

    Lastly, as soon as payment is confirmed, you will receive booking confirmation as well as your payment schedule.

    Make sure to pay on time to avoid incurring penalties. BillEase prioritizes clients with good payment behavior, which means you can get higher credit limit and pay for your purchases on installment even without a credit card.

    What are you waiting for? Nobody does laser facials like Remedy, so make sure you book your treatment today. Remember, you deserve a healthier, glowing skin.

  • Own Your First Electric Scooter From Urban Origins PH

    Own Your First Electric Scooter From Urban Origins PH

    What is your preferred mode of transportation? Ideally, you will have your own car since it is safer and more convenient. The reality is cars can be expensive and will require you to shell out hundred thousands before you can own a car.

    Motorcycle can be a good option but then again, although cheaper than car, it will require thousands of pesos as well. You can go for a bicycle since it is more affordable or you can try an electric scooter.

    Electric scooters are distinct from the scooters you used during the 90s and 2000s. These scooters are unmotorized, which means you need your feet to be able to move.

    Electric scooters comes with a battery, electronics, larger and air-filled tires, and an electric motor. Although electric scooters are designed in a way where riders stand on deck, some manufacturers offer seats for additional price.

    So, where can you buy an electric scooter? Try Urban Origins PH. The best part is you can even get a brand-new electric scooter and pay for it on installment basis with the help of BillEase.

    But first, who is Urban Origins PH?

    Urban Origins PH is a brand under SnapTec Gadgets. So far, it has eight variants:

    • Featherweight – Lightweight and portable. This one costs P15,000.
    • Scout / Scout Pro – This entry-level scooter is a reliable work horse for the daily commuter. Price starts at P19,000 to P25,000.
    • Outrider / Outrider Pro / Outrider Elite – This is ideal for daily commuters with enhanced capabilities and robust features. Price range is between P31,500 and P35,500.
    • Alpha – If you’re looking for an optimal and comfortable ride, then this one is for you. Suggested retail price is P39,000.
    • Bruiser – A heavy duty electric scooter that could fit the rider’s needs. It comes with a P55,500 price tag.

    The next question is this: can you really get an electric scooter for your convenience?

    The answer is YES.

    Before you say pass, here’s a treat for you: you can now get your very own Urban Origins PH electric scooter and pay for it on installment with the help of BillEase.

    Here’s how:

    Step 1: BillEase Registration

    Before anything else, make sure you signed up with BillEase to facilitate your application. No worries because signing up is easy and won’t require tons of documents.

    You can sign up by downloading the BillEase app for free on Google Play Store or App Store or through the BillEase website.

    Don’t forget to upload your documents like government-issued ID, proof of billing, and proof of income.

    Step 2: Shop At Urban Origins PH

    Unfortunately, customers cannot directly shop at their website but you can order through their Facebook page.

    Browse through their page and inform Urban Origins PH representative on which scooter you wish to purchase.

    What if you weren’t able to sign up with BillEase? That’s okay.

    Send them a message and provide them with your:

    • Name
    • Active email address
    • Mobile number

    Urban Origins PH will submit your information with BillEase for account creation.

    Step 3: Installment Confirmation and Downpayment

    This is the next step once your account was created.

    Take note that downpayment is required upon approval by BillEase. Down payment is pegged at 34 percent or 1/3 of the retail price.

    For instance, if you plan to got Scout electric scooter (price is P19,500), then you need to make a downpayment amounting to P6,630. The rest of the amount will be distributed equally for six months for your monthly installment.

    Take note that the downpayment will be paid upfront by the customer to BillEase.

    Tips To Remember Before You Apply:

    • Although both Urban Origins PH and BillEase want to make purchase easier for you, downpayment is still required.
    • Take note that the maximum loan term is six months.
    • Set an alarm for the payment of your monthly installment. BillEase prioritizes customers who pay on time and in full. Prompt payment could also increase your chances of getting higher credit limit.

    Are you ready to own your first electric scooter?