Payra + bao: the red envelope that pays the bill.
Together, it gets lighter.
Family, friends, OFWs and strangers chip in on a verified bill. Payrabao pays Meralco, Maynilad, the school or the hospital directly, and the person you helped gets the receipt.
Lorna
VerifiedMarikina
My son Paolo is reviewing for the nursing board exam and studies at night after his shift at the pharmacy. The September flood took most of the stock in my sari-sari store, and this Meralco bill ran ahead of me. A disconnection notice came last week.
Drag a card, or focus it and use the ← → keys.Read Lorna's story
Sample requests. Live ones load when Payrabao's server is reachable.
Payrabao pays billers like these directly:
Lorna photographs her Meralco bill. The app reads the amount, account number and due date, and she writes a few lines about why she needs help.
Her government ID, the bill against what she typed, the biller, and a person on our team. Most requests clear review within a day.
She shares the private link in the family group chat, or makes the request public in the app. Each helper gives what they can, from ₱20.
When the bill is covered, or on the due date, Payrabao pays Meralco and posts the receipt for Lorna and for every helper.
Payrabao holds every gift and pays the biller itself. Nobody has to wonder where the money went, and nobody has to ask a relative for proof. The person you helped gets a receipt with the biller's reference on it.
So far, 0 helpers have paid 0 bills, ₱0 in all, through 0 billers.
Live from Payrabao's ledger, refreshed every 30 seconds.
Fees sit on top of your gift, so the bill receives all of it. Processing is passed through at cost. All rates and limits
The bill receives ₱500, every centavo of your gift.
Rates come from Payrabao's current fee settings.
“Mama is home now. To all 112 of you: we read every message out loud to her, one each night.”
“We have running water again. Three kids and one lola say thank you.”
“I took my finals and passed. I will pay it forward the week I get my first salary.”
“The kids came home with two medals and a lot of stories about the ferry.”
“The ref is still running, and so is my insulin. Salamat po.”
“I picked up the laptop from the store myself. The first thing I wrote on it was this note.”
Working in Riyadh, Dubai or Hong Kong? Pay your family's Meralco bill from where you are. Cards issued abroad work, and the receipt shows when the payment posts, so nobody has to send you a photo of the bill to prove it.
International cards: 4.125% + ₱13.39 processing.
A request is private unless you make it public. Drop the link in the family group chat and Tito Ramon, Tita Cora and the cousins in Canada each chip in what they can. Everyone sees the same progress bar, so nobody pays twice.
If a request ever turns out to be fake, we remove it and refund every helper in full. How we keep requests honest
The requester verifies a government ID (PhilSys, UMID, driver's license or passport) with a live selfie.
We read the bill photo and match its amount, account number and due date against what was entered.
We only take requests for billers we pay directly: utilities, schools, hospitals and partner stores.
A Payrabao reviewer approves every request before anyone can give to it. Reports go to a person too.
No. Payrabao collects every gift and pays the biller directly: Meralco, Maynilad, the school cashier, the hospital. The person who asked gets the receipt. Gift money never goes to a personal account.
You pay two small fees on top of your gift: the payment processor's fee, passed through at cost, and a 3% Payrabao fee. The bill receives 100% of your gift. The fee calculator shows every line before you pay.
Every request passes four checks before anyone sees it. The requester verifies a government ID with a selfie, we match the bill photo against the amount, account and due date, we confirm the biller is one we pay directly, and a person on our team reviews it.
We pay the biller everything that was raised, on time. The requester can pay the rest themselves. Helpers are not refunded in this case, because their gift already went to the bill.
We remove it and refund every helper in full. Anyone can report a request from its page, and reports go to a person on our team.
Yes. For each gift you choose: show your first name to everyone, show it only to the person you helped, or appear as “A kind stranger” to everyone, including them.
Yes. Cards issued outside the Philippines work, at 4.125% + ₱13.39 processing. Your receipt shows when the payment posts to the bill, so you can see it landed without asking anyone back home.
From ₱20 to ₱50,000 per gift. Card gifts start at ₱300. Until you verify your ID in the app, you can give up to ₱10,000 in any 30 days.
Swipe through verified requests near you, ask for help with your own bill, and keep every receipt in one place.
