RCBC Pay

Tap your phone to pay with your RCBC Mastercard Credit Card!

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Experience a faster, easier, and secure way to make contactless payments – just tap your phone and go with RCBC Pay!
RCBC Pay is available on RCBC Mastercard® Credit Cards using RCBC Pulz on NFC-enabled Android smartphones and can be used wherever contactless payments  are accepted!

Convenient
Pay effortlessly - no need to pull out your wallet or physical card!

Fast & Easy
Making payments is a snap.
Just tap your phone and go!

Secure
Your card information remains protected. Every RCBC Pay transaction requires your authentication for added security.

Setting up and using your RCBC Pay is super easy!
Here's how it works:





Enable RCBC Pay
Ensure NFC and Biometrics are enabled on your phone.

To enable NFC on your Android device:

Navigate to Settings > Connections. Select “Contactless payments”, set “RCBC Pulz” as your default payment service, and enable “Pay with currently open app”.
Note: Settings options may vary depending on your device or OS version.

To activate Biometrics on your Android device and RCBC Pulz:
On your Android device, you can typically do this in Settings > Security > Biometrics.
In the RCBC Pulz app, go to "Security" and toggle the Biometrics option to enable it.

Once your NFC and biometrics are activated, continue setting up your RCBC Pay:

  1. Tap the “Pay” icon at the bottom center of the screen.
  2. Select your RCBC Mastercard Credit Card.
  3. And then verify using a One-Time Password.

You can also enable this feature by tapping the "RCBC Pay" icon in the ’Credit Card’ dashboard, or by navigating to ‘Security’ settings > selecting 'Manage your RCBC Pay NFC Settings.


Shop and pay
Once your RCBC Pay is set up, you’re ready to tap & go. Look for the Contactless Symbol in stores. Open your RCBCPay and authenticate using biometrics.


Tap your phone and go!
To make a payment, just tap and hold your phone near the contactless terminal until the payment is completed.

Payment confirmation will be displayed on the POS terminal and sent via SMS.


Download the RCBC Pulz app on your NFC-capable Android smartphone now.
  
Read our FAQs

RCBC Pay is a feature in the RCBC Pulz app that enables payments to be charged from an RCBC Mastercard Credit Card by simply tapping an NFC-enabled Android mobile phone at a point-of-sale (“POS”) terminal that supports contactless payments.

To turn on NFC on your Android device, navigate to Settings > Connections. Select “Contactless payments”, set “RCBC Pulz” as your default payment service, and enable “Pay with currently open app”.

You can enable each of your RCBC Mastercard Credit Cards (including Co-Brand Cards) to have an RCBC Pay capability through RCBC Pulz. Ensure your Card is not locked. If it is locked, you need to unlock it first through the same app.

To enable RCBC Pay, please see the steps below: 

  1. Log in to RCBC Pulz and open "RCBC Pay".

    You can find it on the (1) ‘Pay’ icon in the bottom center of the screen, (2) ’Credit Card’ dashboard, or (3) ‘Security’ settings.

  2. Select the RCBC Mastercard Credit Card you want to use for RCBC Pay and tap ‘Continue’.
  3. Verify using One-Time Password (OTP) to complete the RCBC Pay setup!

To use RCBC Pay, log in to the RCBC Pulz app and click the “RCBC Pay” icon or the “Pay” button at the bottom portion of the screen. Authenticate the transaction through biometrics then tap the phone directly at the POS contactless terminal.

The merchant POS terminal will print a receipt of your successful payment. You will also receive an SMS notification for every successful RCBC Pay transaction.

Yes, RCBC Pay can be used at all Mastercard-accepting merchants with contactless POS terminals here in the Philippines and abroad. These terminals may display the “Tap to Pay”   symbol.

No, you must have an internet connection to access the RCBC Pulz app and transact using RCBC Pay.

No, you do not need to present your RCBC Mastercard Credit Card when paying with RCBC Pay.

Yes, RCBC Pay is safe to use as it requires logging in to the RCBC Pulz app before transacting. You will also be authenticated before tapping your phone on the card terminal.

Please report the incident to RCBC Credit Customer Service by calling (02) 8888-1888. 

RCBC Pay is currently not available for POS-based installment transactions. You may however opt to do a straight payment transaction with RCBC Pay and convert the purchase to Unli Installment using the RCBC Pulz. Alternatively, you can use your physical credit card to purchase on installment at our partner merchants.

You must have RCBC Pulz app version 11.3.2 or higher to use RCBC Pay

To see the RCBC Pay icon, please ensure that:

  1. Your phone is an Android smartphone with NFC and biometrics capability.
  2. Your RCBC Pulz version is at least 11.3.2.
  3. You have an active RCBC Mastercard credit card registered in RCBC Pulz.
  4. Your RCBC Mastercard credit card is not locked; and
  5. The biometrics authentication is enabled both on your device and RCBC Pulz Security page.

The 4-digit number is a token that is generated to replace your real card number so your real credit card number is not exposed during an RCBC Pay transaction. 

At the moment, RCBC Pay is only available for NFC-enabled Android users. For iPhone users, the equivalent payment method is Apple Pay, which is not yet available in the Philippines. 

At the moment, only RCBC Mastercard credit cards can use RCBC Pay.  

Download the RCBC Pulz app on your NFC-capable Android smartphone now.