Uniload by PinayShopper

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I’m always on the lookout for ways to earn extra money to augment the growing needs of my family and to help others as well.  I always knew that selling cell phone loads is a small business with big impact—although I never knew just how BIG that is until I decided to join the bandwagon.

Logo by Load Central

After weeks of debate and research, I finally decided to go and be a Uniload dealer.  Not for the networking purpose of this company, but for the simple reason that I can register unlimited number of retailers under my belt.  You heard me right.  U-N-L-I-M-I-T-E-D!!!

• Register as many as I like!

• Register as many as I can!

• From the start... until the end!

I don’t have to pay or buy anything every time I have a potential retailer that wants to earn extra by selling loads.

And as long as those retailers are selling loads to their friends, colleagues, or just at home, I will earn a little commission from their sales.

Let’s do the math and see how ‘little’ that commission is.  For example, I have 10 retailers who actively sell Php150.00 worth of load wallet daily.  I’m getting just a conservative 2% sales over-ride (commission) from those sales.

That would be:

(Php150 x 10) x 2% = Php30 daily

I won’t tell you the exact figures I’m getting right now.  But you can get the picture from above.  The retailers are actually earning more than that since they can get as much as 23% discounts on load sales.  And since cell phone loads have expiry dates or simply consumable, you will start to get loyal customers who will buy from you at least 3x a week.

Uniload by PinayShopper

Do you want to be a Uniload dealer like me? Register with PinayShopper. The Php3988.00 investment that you’ll get will be worth it.

BDO Cash Card

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Providing different means to pay is one convenience that online sellers should consider offering to their clients. Another is ensuring that those payment options don’t add up to the total amount the buyer would pay. However, to date only BPI offers the convenience of having 0 inter-branch fees; the rest are charging a minimum of Php50.00 for every Php10,000.00 deposit. One flow with BPI is that they don’t have the longer banking hours being offered by BDO. So what should you do?

BDO Cash Card

Why not try and open a BDO Cash card. For only Php120.00 you’d be able to offer payment options via BDO to your clients without the hassle of inter-branch bank fees!

Photo from BDO

BDO cash card is a re-loadable prepaid electronic debit card. Without having to open a deposit account, you can enjoy the security and convenience of an ATM account – withdraw money and pay even without cash.

How to open?

Simply visit any BDO branch and apply for a cash card. Don’t forget to bring 2pcs valid government ID’s. Private company ID’s and school ID’s are also acceptable as long as they are not expired.

You’ll be asked to pay the Php120.00 card fee.

Banking Convenience?

Just like your deposit account, you can access your account to view your balance, reload, pay bills and more via mobile and internet banking. Just enroll your cash card at https://www.mybdo.com.ph

Transaction Fees?

Transaction	Fee
BDO ATM Balance Inquiry and Withdrawal	Free
Withdrawal at BancNet, ExpressNet and MegaLink ATMs	Php11.00
Withdrawal at MasterCard, Cirrus and VIS Plus ATMs	$3.50
Balance Inquiry at BancNet, ExpressNet and MegaLink ATMs	Php2.00
Balance Inquiry or Rejected Transactions (insufficient funds, wrong PIN, etc) at MasterCard, Cirrus and VISA Plus ATMs	$1.00
POS Balance Inquiry and Purchase	Free

Know more about BDO Cash Card here.*

PinayShopper is in now way directly connected with BDO. I'm just a regular depositor.

BPI Express Deposit – Deposit your cash anytime, real-time

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I was surprised today at BPI when I went to deposit some cash. Normally, I would find a long line any time of the day waiting to be served by the only 2 tellers that this particular branch employs.

The 1st clue was when there was no line. The 2nd was when a young assistant—probably an OJT—approached me while I’m filling up a deposit slip. Apparently their branch now has the Express Deposit Machine that I could use to deposit money to my account as long as I have my ATM card with me and the money is for that ATM. He was able to persuade me to use the machine after ensuring that the money will be credited to my account real time—and that the machine won’t swallow first-timers like me.

Photo from BPI

After a few push of buttons and carefully placing my cash into the ‘mouth’ of the machine, I was done. The machine gave me the receipt, enumerating the bills that I deposited and the total account balance after deposit. The transaction took less than 3minutes to complete. It’s really great that BPI is now employing this Express Deposit machines; sadly they’re available only at 25 locations as of this writing.

Technicalities:

1. The machine accepts cash in Php100, Php500 and Php1,000 denominations only.
2. No need for envelops to deposit your cash.
3. Money deposited is credited to your account instantly.
4. You can deposit 24 hours a day, 7 days a week, but all transactions after 10pm will be credited on the next banking day.
5. The machine will issue you a receipt enumerating the bills that you deposited its total amount and your account balance.
6. Aside from cash deposits, you can also do balance inquiry, funds transfer, bills payment, prepaid cellphone reloading and express cash reloading on all Express Deposit Machines.

Know more about BPI Express Deposit Machine and where they are here.*

*PinayShopper is in no way directly related to BPI.  I'm just a regular depositor.