Globe - Abot ko ang mundo

FREQUENTLY ASKED QUESTIONS

1. What is GCASH?

GCash is a service for Globe & TM subscribers which allows you to use your mobile phone to:
     a.  Send & receive money to & from another Globe/TM mobile phone anytime & anywhere they  are - no remittance fees or bank charges
      b.  Buy prepaid load with an instant 10% rebate

[Initially mention only these top 2 services]
All these you can do anytime, anywhere at your convenience just by texting! You can also save on prepaid load because of the instant 10% rebate when you buy load using GCash.

It's easy to get started, just follow these simple steps:

             1.1.  Register your Globe/TM mobile phone [give format]
             1.2.  Convert cash to GCash in Globe & Globelines Business Centers free of charge to put GCash into your phones. [Enumerate other cash-in outlets if necessary]
             1.3.  You now have GCash in your phones & can now:
                          a. Send & receive money all over the country for as low as & as fast as a text message [explain format]
                          b. Buy load & save money [explain format & 10% rebate]
                          c. Paying bills [enumerate billers & syntax only if asked]
                          d. Buy items in Shoemart, Mercury Drug, Shakey's and other establishments using GCash. [enumerate outlets only if asked]
             1.4.  Other GCash uses:
                          a.  Donations
                          b. Tuition payments
             1.5.  Just remember access code 2882 

2. How do I activate my G-Cash service?

To register, send
REG [4-digit M-PIN]/[mother's maiden name]/first name]/[last name]/[address] to 2882.
You will then receive a text message saying that you have successfully registered.
Important Note: When you register your name (and other details) make sure it matches the information that will be seen on your valid I.D.
(Examples of Valid IDs: driver's license, SSS card with photo, Postal ID)

G-CASH PAYMENTS VIA TEXT

3. How do I use G-Cash Payments?

For Outlet Transactions
For G-Cash Outlets that accept G-Cash as payment, the frontliner will initiate the transaction. You will receive a request from the merchant
to deduct the amount of the product from your G-Cash wallet.
Simply reply with your MPIN to confirm the purchase or NO to reject the purchase. Send it to 2882.
Alternatively, the outlet may also ask you to initiate the transaction by sending G-Cash to the outlet's service unit via P2P transaction.
For Online Transactions
For myAyala SureSeats and other web-based transactions of partner establishments, simply follow instructions on the website on how
to pay using your G-Cash.

G-CASH DOMESTIC MONEY TRANSFER VIA TEXT

4. How do I send G-Cash to a Globe or Touch Mobile subscriber?

             4.1. Just go to any Globe Business Center, Globelines Payment and Services Center or an Authorized G-Cash Outlet that accepts cash-in transactions.
             4.2. Fill out a G-Cash Form.
             4.3. Please present a Valid I.D.
             4.4. Pay the processing fee. There will be no processing fee for Globe Business Centers effective October 15, 2006. For Globelines Payment and Services Centers, a flat fee of              Php10.00 for any transaction below Php1,000. For transactions above Php1,000 the fee is 1% of the amount.
             Example: Php10.00 for Php1,000 amount
             4.5. Frontliner will send the G-Cash to your beneficiary and give you an Acknowledgement Receipt (A.R.) of the transfer and an Official Receipt (O.R) of the processing fee.

5. How do I send G-Cash to a Globe Handyphone or Touch Mobile with my cellphone?

As long as you have G-Cash in your cellphone, just send the following message:
[amount] [mpin] and send to 2882+[10-digit number of recipient]
Note: Minimum amount to send G-Cash from phone-to-phone is Php 1.00

6. How do I transfer G-Cash into my phone?

             6.1. Just go to any authorized G-Cash outlet which accepts cash-in transactions.
             6.2. Show the required identification to frontliner.
             6.3. Give the frontliner the cash plus the processing fee.
             6.4. The outlet will send the G-Cash to your mobile phone number directly.

7. How do I cash-out my G-Cash?

Go to a Globe Business Center or any authorized G-Cash outlet.
7.1. Cashing out at a Globe Business Center:
             a. Fill out a G-Cash form.
             b. Present required identification to the frontliner.
             c. Pay the processing fee. A flat fee of Php10.00 for any transaction below Php1,000. For transactions above Php1,000 the fee is 1% of the amount.
Example: Php10.00 for Php1,000 amount
             d. Front liner processes the Cash-Out and subscriber shall receive an SMS message.
             e. Subscriber confirms cash-out by replying with MPIN.
             f. Frontliner will then print an A.R. for the cash-out and an O.R. for the transaction fee.
             g. You will then be given the cash.
             Note: The cash-out amount will be deducted from your G-Cash wallet. You will receive a confirmation message and the remaining G-Cash balance in your wallet.
7.2. Cashing out at an authorized outlet (mobile phone to mobile phone)
             Note: other channels will be included later (i.e. POS device, computer)
             a. Fill out a service form
             b. You then present the required identification to the frontliner.
             c. Pay the processing fee.
             d. Frontliner will show outlet's authorized mobile number to subscriber.
             e. Send the following message: and send to 2882 + [10 digit mobile number of authorized outlet]
             f. Frontliner will then print an A.R. for the cash-out and an O.R. for the transaction fee.
             g. You will then be given the cash.

G-CASH INTERNATIONAL REMITTANCE VIA TEXT

8. How does an Overseas Filipino send G-Cash to someone in the Philippines?

             8.1. Go to any Authorized International G-Cash Outlet that accepts Cash-in transactions.
             8.2. Fill out a G-Cash form.
             8.3. Please present a Valid I.D.
             8.4. Pay the processing fee to the frontliner.
             8.5. Frontliner will send the G-Cash to your beneficiary and give an A.R. of the transfer and an O.R. of the processing fee.
             8.6. Recipient will receive G-Cash and a text confirmation of the transaction.

9. Are there any limits to the amount of transactions?

The maximum amount for single cash-in, cash-out, or phone-to-phone transfer transaction is Php 40,000.
The minimum amount for phone-to-phone transactions is Php 1.00.

You can only accumulate a maximum of Php 40,000 worth of G-Cash in your G-Cash wallet.
You must cash-out or transfer G-Cash to another person before you can accept more G-Cash.
The maximum amount of cash-out per subscriber per day, regardless of number of transactions, is Php 40,000.

Beginning September 26, 2006, Globe & TM subscribers can now enjoy a maximum wallet limit of Php 40,000 from the previous Php 10,000 limit for their GCash transactions. This will now give subscribers the flexibility to convert more cash to GCash, send and receive more money, buy more prepaid load, pay bigger bills and purchase higher value items using GCash.
Maximum amount for any single transaction is now Php 40,000. A subscriber can accumulate only a maximum of Php 40,000 worth of G-cash in his wallet; thereafter he must cash-out or transfer GCash to another person before he can accept more GCash.  Maximum amount of cash-out or person-to-person transfer per subscriber per day, regardless of number of transactions, remains to be Php 40,000.  Maximum amount that can be transacted, regardless of number of transactions, within a month also remains to be P100,000. 

10. Why is it important for me to register for G-Cash?

You must register to be able to send the G-Cash you received from another mobile phone or to do a cash-out transaction.

11. What if I send G-Cash to an expired number? Can my beneficiary get the amount?

Please ensure first that the recipient of your G-Cash is an active number, and please advise your beneficiary to claim the cash promptly.
If you send G-Cash to an expired number, your beneficiary will have to wait for 7 working days from the date of expiration
of the number before he can go to a Globe Business Center to claim the amount. Your beneficiary will have to be a registered
G-Cash subscriber and must show a valid I.D.

12. Can I get back the amount?

You cannot claim back the amount from the cash-in outlet. Your beneficiary will be the one to claim the amount at the Globe Business Center.

13. If I lose my phone, can I still claim my G-Cash?

Yes, you can still claim your G-Cash. Report the loss of your phone promptly to the 24-Hour G-CASH Hotlines at 739-2882 (Metro Manila),
1-800-8-2882882 (Domestic toll-free number from any Globelines phone) or 2882 (toll-free) from your Globe Hnadyphone or Touch Mobille.
Specify you have a G-Cash wallet and that you want it blocked. Globe will then block access to the G-Cash wallet.
You may then go to any Globe Business Center and present your valid ID in order to unblock the access and claim your G-Cash.

G-CASH 24-Hour HOTLINES:

2882 (toll-free) from your Globe Handyphone or Touch Mobille.
1-800-8-2882882 (toll-free) from any Globelines phone.
739-2882 (Metro Manila)OTHER QUESTIONS ABOUT G-CASH
Globelines Payment and Services Centers nationwide also accept G-Cash transactions.

14. With the launch of G-CASH, is Globe performing like a bank?

No, G-Cash does not perform the same as banks.  Banks are financial institutions that accept cash for safekeeping and channel the money into lending activities.  With G-Cash, the money is accepted at cash-in outlets, remitted to designated beneficiaries for cash-out or spent at merchant outlets.  We do not re-invest the money.

15. Is G-CASH good as cash?

G-cash operates in the same manner as load transfer.  A pre-payment is done at a cash-in outlet and the "load" is just being transferred to another person's "wallet." Parties will still settle in cash and that settlement will be handled by settlement banks.
G-Cash works like this:

a. The cash-in outlets (remittance companies and banks) accept the cash
b.  Globe Telecom provides the transport
c. Cash-out outlets disburse the money
d. Settlements are performed by settlement banks; merchants accept payment for goods or services and ultimately must also settle

16. Will you comply with AMLA (Anti-Money Laundering Act of )?

As a listed company we are covered by AMLA. We ensure compliance with the Know-Your-Customer rules first by knowing who they are, where they are and the nature of business they are into.  This is to ensure that they are not involved in any illegal activity. 
To adhere to this act, we require cash-in outlets to do a remitter identification and verification routine. 

17. Will G-CASH not be diverting foreign currency inflow away from the banking system?

All settlements will be done by banks, so ultimately the money will flow back into the banking system.

18. Are you operating like a credit card? Are you not in effect operating a debit card?

We are not operating like a credit card because we do not lend at any one point in time. There must always be a prepayment at a cash-in outlet and no one can cash-out or make a payment without there first having been a cash-in.
This is also not a debit card, because G-Cash is not a card-based product.

19. How is this product different from Smart's Padala?

G-Cash is a superior product as it provides subscribers a simpler, but more comprehensive, integrated payments service that is able to offer various types of payment -- of which remittance is a part.  It therefore provides flexibility to Globe in introducing future payment services (i.e. POS-device-to-phone, cash card-to-phone and scratch card-to-phone transactions) without the need for additional requirements (i.e. another 16-digit PIN, another plastic card) to our subscribers.

20. How will Globe earn from this? 

Globe's main source of income will be the SMS charges for the transactions (i.e. P2P, Cash Out, etc).  Globe will also earn service fees from remittances transacted through Globe's Business Centers.

21. When will it be available to/through ST/affiliates (or at least available in their countries)?

G-Cash will be available through ST/affiliates sometime late this year or first quarter next year starting with Singtel.