How a bill gets lighter
A request on Payrabao is a real bill with a real due date. Here is every step it takes, and who does what.
The four steps
Step 1: Ask with a photo of the bill
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.
Step 2: We check it, every time
Her government ID, the bill against what she typed, the biller, and a person on our team. Most requests clear review within a day.
Step 3: People chip in
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.
Step 4: We pay Meralco directly
When the bill is covered, or on the due date, Payrabao pays Meralco and posts the receipt for Lorna and for every helper.
Asking and helping
If you need help with a bill
- Pick what it is for. Electricity, water, tuition, a hospital bill, a goal like a team's travel fund, or an occasion like a debut gift.
- Photograph the bill. The app reads the biller, account number, amount and due date. You confirm them or fix them.
- Say why, in a few lines. Choose private (only people with the link) or public (shown to helpers in the app).
- Share the link. Your request goes live once a reviewer approves it.
If you want to help
- Swipe through verified requests in the app, or open a link someone sent you. No account is needed to give from the web.
- Pick an amount, from ₱20, or cover the rest of the bill in one go.
- Pay with QR Ph, GCash, Maya or a card. Fees are shown line by line before you pay. See the rates.
- Choose who sees your name, and leave a message of up to 140 characters.
What each status on a request means
01
In review
A reviewer checks the ID, the bill and the biller.
02
Live
Visible to people with the link, or in the app feed if public.
03
Covered
Gifts reached the goal. No more gifts are taken.
04
Paying
Payrabao sent one payment to the biller for the whole bill.
05
Paid
The biller confirmed it received the payment.
06
Posted
The payment shows on the account. Receipts go out.
When the due date comes first
If a bill is not fully covered by its due date, Payrabao pays the biller everything raised so far, on time. The request is marked partly paid, and the requester can pay the rest themselves with GCash. Helpers are not refunded, because their gifts already went to the bill.
One payment per bill
Payrabao does not forward each gift as it arrives. It pays the biller once per request, when the bill is covered or due, so the biller sees one clean payment against one account.
Get Payrabao on your phone
Swipe through verified requests near you, ask for help with your own bill, and keep every receipt in one place.
- Coming soon toApp Store
- Coming soon toGoogle Play