InstaPay
1. Ano ang InstaPay?
Ito ay isang real-time at electronic na paraan para mag-pasa ng pera sa ibang bangko o e-wallet. Dahil sa tinatawag nating clear-before-settle arrangement, instant o pumasok agad ang confirmation ng iyong transaction!
2. May limit ba kung ilang beses ako pwedeng mag-InstaPay transaction sa isang araw?
Walang limit sa bilang ng transactions! Pero tandaan, may limit tayo sa halaga: maaari kang mag-transfer ng hanggang P50,000 per transaction at may daily total limit na P499,999.99.
3. May bayad ba kapag nag-transfer ako ng pera via InstaPay?
Bilang bahagi ng initiative para sa financial inclusion, LIBRE o walang transfer fees kapag InstaPay ang ginamit mo!
Ang initiative na ito ay alinsunod sa guidelines ng BSP Circular No. 1238, Series of 2026, na nanghihikayat sa mga financial institutions na magpatupad ng makatwiran at patas na pricing para sa mga electronic fund transfers.
4. Ano ang kailangan kong gawin kung nabawasan (debited) ang account ko pero nagka-error habang nagpapadala via InstaPay?
Dahil sa clear-before-settle arrangement, automatic na ibinabawas muna ng RCBC DiskarTech ang pera sa iyong account bago ito ipasa sa receiving account.
Depende sa naging error, pwedeng ma-reverse at mabalik agad sa account mo ang pera (kasama ang transaction fee kung mayroon man). Maari din na maibalik ang pera sa susunod na banking day.
DiskarTech Tip: Maaari din munang i-check sa beneficiary kung pumasok ang pera. May mga pagkakataon na successful ang transfer kahit walang confirmation na natanggap mula sa kabilang bangko.
5. Kasama ba ang PESONet transfers sa libreng benefit na ito?
Hindi po. Hindi kasama ang PESONet transfers sa initiative na ito. Mayroon pa ring regular service fee na Php 10.00 bawat transaction kapag PESONet ang ginamit.
💡 May concerns ba? Huwag mag-atubiling mag-email sa ating DiskarTech customer care sa [email protected]
PesoNet
1. What is PESONet?
PESONet is one of the payment schemes operated by the Philippine Payment Management Incorporated, as authorized by the Bangko Sentral ng Pilipinas (BSP). It has been classified by BSP as a Financial Market Infrastructure and is governed as a Prominently Important Payment
System (PIPS). This means that the BSP looks after its safety, efficiency, and resilience.
2. Is there a limit to the number of times I can perform fund transfers via PESONet?
● For Community BDA, the maximum fund transfer amount per transaction is up to P10,000.00.
● For Full BDA, the maximum fund transfer amount per transaction is up to P50,000.00.
● For RSA, the maximum fund transfer amount per transaction is up to P500,000.00.
● Note that the daily outgoing aggregate limit, regardless of DiskarTech account type, is P500,000.00.
3. What should I do if my account was debited but an error occurred when sending my PESONet transaction?
When you make a fund transfer using PESONet, RCBC DiskarTech debits your account first and then sends the amount to the receiving bank. If there’s an error during the process, the system will automatically reverse and return both the amount and the transaction fee to your account.
In other cases, funds will be returned on the next banking day. Kindly double check with the beneficiary account if the amount was credited since it is possible that the transfer successfully goes through but no confirmation is received from the receiving bank.
4. When I transfer funds through PESONet, will the beneficiary receive the funds in real-time?
Transfers before the 2:00 PM cut-off are transmitted to the receiving bank the same day. Transfers made after the cut-off, holidays, or during weekends will be transmitted the next banking day.