[Solved] Cannot link Paypal to GCash

After a bazillion years of trying to get GCash to respond properly to my concern, I finally got the answer I'm looking for. I don't want to go into the details of how frustrating it is to deal with GCash support kasi ayoko ma-highblood so let's just get into the details of why I wasn't able to link my Paypal account smoothly.

Root causes:
1. My Paypal acount type is business
2. My first name in Paypal is wrong (it included my middle name)

So yeah, before you attempt to link your Paypal account to GCash, make sure to take note of the following prerequisites:

• Your first and last name on Paypal must be identical with your first and last name on GCash
• Your Paypal account must be setup in the Philippines
• Your Paypal account type must be personal (not business acocunt)
• Your GCash account must be KYC-ed (fully verfied)

When I first tried to link my Paypal account, I kept on getting this error:

"We are unable to link your account. Please make sure your credentials are the same in both your PayPal account and GCash wallet"

The error message was followed by two emails. The first was a preapproved payments plan registration notification, and shortly after -- its cancellation.

The message prompted me to check my details both on Paypal and GCash. My email, full name, and even home address are exactly the same down to the very last character. So what gives?

I kept asking GCash support about it. I've gone throught Facebook, Website, and InApp support.

They're all trash.

I told them that I've checked my details and they all match. And if they could just provide me which details don't match, then I'll work on it. But hey, they just can't do any more digging. I was convinced that my details were perfect, but I still don't get what's wrong. They kept on resending the steps and guidelines and it was getting frustrating having to deal with their very incompetent support group. Eventually I took my problem with Paypal, but the answer I got was as dismal. The verification part is made on GCash's end so they're the one's who can answer my question.

Then I found this thread on Reddit discussing the issue. OP found out that his first name in Paypal included his middle name so he requested to have it changed. I figured it must be the same case with me. I just need to validate if my first name really included my middle name.

But heck, there's nothing on my Paypal dashboard that says this is my first name. I have no welcome banner when I log in, and my profile simply states my full name, as in <first> <middle> <last>. I was wondering where I could see a clue of what my actual first name is.

Until one day, GCash responded to one of my many emails with yet another set of steps and guidelines. But this one's longer and more detailed. It included the prerequisite that your Paypal account must be PERSONAL type and not BUSINESS.

I felt pretty hopeful! So okay, I requested to downgrade my account. From business to personal. No biggie, my Merch by Amazon account got terminated anyway so there's no reason for me to run a business account.

When my request got approved, I logged into Paypal and noticed this change:

I don't know why I had to blur that lol

I have a welcome banner now!

Okay so apparently Paypal doesn't greet its business account holders looool.

And also, I got to validate that my first name is indeed wrong! I mean, welcome templates don't usually include your middle name right? It's usually just Welcome <firstname> or Hi <firstname>! 

Great. So that's it. I had my name changed at Paypal, which was quite an ordeal too. I had to request thrice, each with a note that says not to include my middle name with my first name. All of them were executed wrongly. They'd say congrats we've changed your name but nothing has really changed! I'm still being greeted with my middle naaaame aaarggh. That's the time I contacted support through email, not by contact-us form, and thankfully they responded correctly.

Finally I was able to successfully link my Paypal account to GCash, and cash-in my money instantly.

The name change also did not affect my Paypal to Bank transactions, so I'm glad. No more waiting 3 days to withdraw my earnings!

Frustrating! Why you can't link your BDO Debit Mastercard in GCash

Last update: October 2, 2019 (Successfully linked BDO Mastercard to GCash!)

Long story short, BDO blocks GCash transactions because it considers it a high risk app.

According to a BDO customer support agent, Mastercard has added more security layers in its platform restricting several apps, like GCash, from transacting with your bank account in order to minimize fraudulent activities. 

In order to link your BDO account to GCash, you have to call BDO Hotline and request to whitelist your account. In this process, you have to confirm that you have no other means to shop online, or have no other card you can link to GCash. Otherwise, they won't process your request.

BDO clearly doesn't want you to link your account to GCash because of its many potential security threats. But I think they're not allowed to explicitly discourage you because that's denial of service? Hehe

So if you're considering using your BDO card for GCash transactions, look for other options. Or just quit using GCash altogether, their customer service sucks so much it opened a new level of disappointments for me. 

Story time!

The only reason I wanted to link my BDO to GCash is to allow me to transfer my BDO funds to my BPI account without having to go out to withdraw and deposit. It was an exciting thought, to be able to cash in my money from BDO and move it seamlessly to BPI. Real time and without charges. Wow. That's just so ideal for me as I've been doing this whole withdraw then deposit process manually for the past 2 years. 

But when I tried to link my BDO Debit Mastercard in GCash, I always receive this unfortunate message:

"Sorry, your card enrollment cannot be processed. Visit http://bit.ly/DebitCardErrorInfo to know more about failed enrollments."

So what should you do?

1. Forget about asking GCash Care or reaching out to any of their hotlines. 

They were NEVER helpful in my months long attempt of trying to ask WHAT'S WRONG. Even if you've provided ALL the details they need to look into your account, they will always, and without fail, ask for it again. They never review your request. They're just delaying your request until you eventually give up and forget about it. 

I call it rude, lazy, and a fckn customer service disgrace. But then I thought they were probably doing it on purpose to discourage people from actually using BDO because the bank has put so many restrictions on GCash. 

At this point they could have told you to call BDO instead to whitelist your account right? BUT NO. They don't know that detail. Or they're purposefully withdrawing that basic information.

Which leads me to only step that matters,

2. Call BDO Hotline at 02-631-8000 (landline)

Tell them you can't link your BDO account to GCash. They will inform you of the Mastercard security features they've put in place blah blah blah and ask you if there's really no other card you can use. Then they'll get your account number, card number and a few other info for verification.

They'll lodge your request to whitelist your account number and have you wait for 4 hours or a confirmation message coming from BDO. After that, you can try linking your account again...

I got this message from BDO nine hours after the call and immediately tried to relink my card.

Did it work?

NO! It didn't! Much to my dismay, which I'm growing more fond of, my card still won't link, and I'm still getting the same unfortunate message.

So what now?

Nothing. I don't want to deal with it anymore... at least for now. 

If you're experiencing the same problem, I hope calling BDO to whitelist your account works for you. It didn't for me, but I sincerely hope it works for you at least. Please let me know if it does, I want to learn of success stories! Maybe I'll try to look into it another time... when I'm not feeling so hopeless.

Haaaaaay! 

UPDATE (August 2019):

I tried to link my BDO debit Mastercard to GCash again, AND FAILED. I called BDO to confirm why it's still not working even if I've already had my account whitelisted, and the customer rep told me I need to coordinate this with GCash because everything is fine on their end, at least concerning my account.

I emailed GCash support once again, sent all the details they needed, and finally they answered with something more conclusive:

So it's BDO's fault?

So that ends it. No luck getting BDO to work on GCash. Hay.

IMPORTANT UPDATE (October 2, 2019)

Finally! Linked my BDO Debit Mastercad to GCash! Was also able to successfully cash-in from my linked BDO savings account as well, for no extra charge -- the very reason I stick to GCash for my interbank transactions. FI-NA-LLYYYYY!!! 

Thoughts? I think it's ultimately a Mastercard issue. I feel sorry for blaming BDO and GCash for all of this. But hello, they should also know not to keep their customers in the dark about what's happening with their credit companies. With this level of issue, we need technical answers.

It's also worth noting that we had OTP problems recently with our other Mastercards from Security Bank and BPI, which we escalated to customer service. Interestingly, they got resolved at the same time. Then I got the idea of randomly trying to link my BDO (even if I was 100% sure it would lead to more unnecessary frustrations) since it's a Mastercard, and holey moley, for the first time in this gruelling journey, IT FKN LINKED.

So, my advice? It's not you. It's them. So just wait it out.

ALTERNATIVELY - Use PayMaya

Alternatively, if you still can't find yourself to link BDO to GCash, TRY PAYMAYA instead. I've been able to cash-in money from my BDO account to Paymaya, then from Paymaya to my other bank accounts. FOR FREE. 

How?

1. Download PayMaya on your mobile device
2. Register using my invite code so we both get ₱50 credits!
   
   COPY PASTE THIS INVITE CODE: 
   3K6FPH4
3. Click on Add Money >> Using Debit or Credit Card >> Using New Card
4. Enter your BDO Mastercard card details, along with the amount you wish to transfer
5. Cash-in amount will be credited to your PayMaya wallet in real-time
6. Now, if you want to transfer your PayMaya funds to another bank account:
   Click on Bank Transfer
7. Enter bank details >> Continue
8. Funds will be sent real-time using InstaPay

Niggling Pains That Can't Be Ignored

Image by Ernesto Eslava from Pixabay

Nobody likes being in pain, but one of the most common complaints that people have, is that they're in some sort of pain. Whether it be because they're aching, because they've got a medical problem, or something has just started causing severe pain out of the blue. There are literally thousands of causes for this, yet we're so bad at actually finding out what's wrong. So many of us put up with pain until it's completely unbearable, until one day it gets too much, and finally a doctors trip happens. But realistically, we should be sorting the problems we're having as soon as possible, to make sure that we have the best outcome. So we're going to run you through some of the paints that definitely shouldn't be ignored, and simple thing that you might be able to do to get it sorted quickly!

Joint Pain

Joint pain is something that we're all going to experience at some point in life, especially as we move towards the older years. But even as young healthy people, we will have all of the joint aches and pains that older people have. It's due to the work we do, and the way we look after our body. People who sit in offices a day are known for their problems with joint pain, but mainly in the neck. But neck pain isn't something that should be ignored, and just shrugged off because you know it's related to your job. You should start practicing a better position at work, ensure that your back is straight and you're not slumped over. This will straighten your posture, and allow your neck to sit in a neutral position rather than tilted. It takes all of that pressure off the neck joint. Doing light rolls of your head and neck stretches to relieve any tension is also advised!

Something Caused By Injury

Now this is definitely something that can't be ignored, yet again, so many of us do. Injury can occur for many different reasons, from lifting something to heavy, to sports related injuries. Physiotherapy is always recommend when you've been injured with something that's long lasting. So torn muscle or ligaments, it's almost essential to have the physio to help the injured area repair to the optimum level. Don't ignore any pains that you're having through injury when it's long lasting area. It's always best to go the your doctor or to A&E, just to make sure that there's nothing more serious going on!

The Worst Kind Of Aches

There's nothing worse than both tooth and ear ache. Both are such a niggling pain that can lead to headaches and other aches. There are quick remedies that can soothe some pain, such as resting your ear on a hot water bottle, and for the toothache, getting into the dentist as quickly as possible is essential. There are emergency dentist appointments for people in serious pain, so never leave it!

So if you're going to take anything away, it's that you go to the doctor or whatever medical professional is relevant, and always get pain treated before it gets any worse!

Life Lately

I missed to write daily accounts of what's up this week so I'm just gonna share what's happening to me so far. Errr... Wala naman hahaha. Nothing interesting. I finally got a desk for our room, something I've been wanting to buy for months but can't 'cos it was out of stock for a while lol. Spotted it at Landmark this weekend, and finally took it home.

Can I just say. This table is rare. Nobody makes tables that are 90cm long. Like what heck right? Desks are either 80, 100 or 120cm long. But well, this little corner in our room is exactly 93cm wide so an 80cm table would look awkward. So yeyyy for finally getting the perfect sized desk!

It actually opens up to a dining table too. The tabletop is folded and there's a swivel mechanism underneath that allows it to transform. Cool. Didn't need that feature though but could be useful someday! :D

Next project, a headboard! So I can read on the bed lol

Monday was a holiday in light of the elections. Didn't vote. I've never voted actually. Whatever love I have for this country is easily trumped by life's smallest inconveniences. Too far, too hot, no parking, voter's reg is a hassle (hope there's an online portal for this), I could generate a hundred excuses just to avoid participating in the elections. I call it privilege. I'd rather chill at home than exercise my right to suffer suffrage. Our ballots are only going to get sabotaged anyway. And they did, right? Doesn't mean I don't get to have opinions on matters of state though. I didn't research enough to bet on anyone, I thought I liked some candidates from Otso Diretso but when I answered a quiz about key issues that mattered to me, none of them was a match. Hmm...

Anyway. Let's leave it.

How To Mix and Match Pizza With Sides

Image by Igor Ovsyannykov from Pixabay

You probably know exactly what pizza you want to order when you ask your friends, “Where are pizza locations near me we can order from?” A tasty pizza can turn a good night into a great one. However, depending on the size of your party, you may need more than pizza to keep everyone happy. After saving money on the cheapest pizza specials available, you can end up with more money in your pocket to spend on the perfect size.

For the Health-Conscious

Pizza naturally comes with a lot of calories. If you want a healthy side to even things out, then you should order a chicken Caesar salad with your meal. It comes with crisp Romaine lettuce along with all-white meat chicken. It comes topped with a creamy Caesar dressing and shredded cheese, making this one salad you will have no problem getting down.

For the Game Day

Pizza and buffalo wings are a tradition as old as the Super Bowl. Bone-in wings are covered in a delectable buffalo sauce and baked to perfection. They pair incredibly well with a Philly Cheesesteak pizza. You can search online for “philly cheesesteak pizza near me” to find a local restaurant that will give you the perfect meal for the perfect game.

For the Party Animals

When a party is in full swing, you need food people can grab and take with them easily around the room when they want to mingle. Garlic knots fit the bill perfectly. People can grab a plate and get a slice of pizza and a couple of tasty garlic knots. They are made out of fresh dough and covered in a delicious garlic parmesan seasoning. It is the perfect way to take your party to the next level.

Everyone’s taste is different. You can mix and match to your liking to find the perfect combination you will want to order time and time again. Give it a whirl by ordering pizza with a side today.

Week in review

Monday

There are days when I feel so excited to go to work and do my job but when my boss isn't around I just tend to be more uhmmm lenient lol sssshhhh. It's true that when the cat's away the mouse will play. Not saying my boss is strict though, more like his presence errr encourages me to appear to work hard HAHAHA. Charot.

But hey, I accomplished something today. I'm finally 70% in this Holiday Staff Assignment page I'm working on in PHP. Next step is adding data validation. I might sayyyy, this task was pretty challenging. Duh, everything dev related is challenging to a QA (in my mind: what's happening to my career???).

So I have a table with checkboxes and input fields and on submit I need to collect the values from all the rows where the checkbox is checked and run an update query. The ideal approach (at least for me) is to grab the row values on checkbox check, and attach it to the value of the checkbox. That way, upon submit I could just get one list and everything I need would be there. But thennn, I'm trying to avoid onchange functions because I think it isn't too neat and I'm reserving the method for validation where it's more apt? Errrr.

Anyway, I managed to "cheat" my way into it by processing 2 lists and matching them together. Not the most elegant approach but hey, it can't go wrong.

Another thing I accomplished today was a logo project for one of my colleagues hahahaha. After retiring from writing on the sides, I badly needed more gigs. Right now I only have 2 logos, 1 invite, and one blog post. Man I need to keep myself busy.

Here's a reject, by the way:

Tuesday

Oh this day was busy. I had 2 RPA meetings. I didn't mean to be productive today but heck you know when there's a programming logic bugging your mind and you can't stop thinking about it? It's eating up my me time --- which starts by the time my boss leaves until the end of my shift hahahaha. Charot.

Here's another reject. Oooh I like it that my collection of "Drafts that didn't make it" is growing!

Wednesday

I got up pretty early so I had enough time for coffee. Oh I love coffee mornings. Moreso the fact that the time it takes for me to finish taking a bath is enough time for my coffee to brew and cool down a bit. Now I'm looking forward to more mornings like this.

I cooked butter tikka masala and bought naan from Queens. I really really love Indian cuisine (particularly masala, lassi, and samosa) but I don't like how long the smell lingers in our kitchen, our living, on our couch, AND IN MY MOUTH haha yesss even after brushing! I even feel like I'm giving off a scent as well HAHA.

Anywayyy. We played badminton today! It's pretty much my only source of sweat this week. I need to do this regularly!

Thursday

Cooked pork giniling today and I love it! Of course I wasn't able to cut down on rice, but well, I've been off track in pursuing a no rice lifestyle for so long so I don't care anymore! Hahaha

Today we had a short town hall with our regional chiefs, and one of them mentioned about the new building we're transferring to in two years time. I'm so excited! We're moving to Ayala Triangle Tower Two, which will also house the new Mandarin Oriental Hotel. The project is being developed by Ayala Land, of course, and the gorgeous building is designed by SOM. Here's thread from Skyscrapercity.

I'm sooooo looking forward to the new building I might actually stay until we move out! Not that I have plans on leaving lol.

Friday

I AM SO BLOATEEEED!!! Super lamon ako today! My husband got me kare kare with lechon kawali this morning before going to sleep, then I ate burger, pizza, and chicken at work. Also got coffee. I'm not even done digesting and I'm already craving for moooore. I'm just so hungry nowadays. My period's probably coming up.

Updates! I changed my blog layout a biiiiit. Just rearranged and colored a few sections lol

Uhm, what else. I wrote a new entry on my other blog, Surf & Perf. If ever you're working on UIPath and is interested with RPA. Check it outttt.

3 Health Changes To Make As You Reach Middle Age

Looking after your health gets so much harder as you get older. When you’re young, it feels like you can bounce back from anything and you don’t need to worry too much. It’s still important that you try to get into good health habits but you can afford to make a few mistakes along the way. But when you start to hit middle age and your risk of disease begins to increase, it’s so important that you start thinking more seriously about your health. If you don’t, you’ll struggle to manage it when you’re older and you’ll be far more likely to have serious health problems. If you haven’t thought about it much, these are some of the biggest health changes you need to make as you reach middle age.

Photo from Pixabay

Diet And Exercise

Diet and exercise are so important at any age, but when you start to get older, you need to prioritize it. Your risk of things like heart disease and strokes are massively increased and you need to make sure that you’re doing everything that you can to reduce that risk as much as possible. Diet is a good place to start because if you’re eating a lot of fatty foods and sugar, your heart health is really going to suffer. Drinking a lot of alcohol has a big impact too. You need to cut those unhealthy foods out of your diet and replace them with more healthy alternatives.

Exercise is so important for heart health as well and if you’re doing a good amount of cardio on a regular basis, your risk of heart attacks and strokes is massively reduced. Staying active will also help you to keep your joints in good working order so they don’t seize up as you get older. You don’t have to be an athlete, but it’s important that you stay active, even if you’re just walking on a regular basis.

Contraception 

When you’re getting older and you’ve already got a family, you might decide that you’re not going to have any more children. In that case, you might want to consider some form of permanent contraception so you can avoid any accidents. If you have good private medical insurance, the vasectomy cost will be covered, you’ll just have to pay the excess. It’s not expensive but it is worth doing for peace of mind. Having an unplanned child later in life can be really tough so it’s best to be safe.

Get Regular Tests 

When you’re young, there isn’t really much need to go for regular tests on things like your sight or your hearing unless you notice a problem. But as you start to get older, these things will start to go. However, if you can catch the problem early and get some glasses or hearing aids, you can limit the damage and stop the problem from getting worse. If you leave it though, you’re likely to lose your hearing completely and have serious vision problems in later life.

Make these simple health changes as you approach middle age and you’ll be able to manage your health a lot better as you get older.