Terms and Conditions

Metrobank PayNow (“PayNow service”) is a credit card feature that provides electronic
fund transfer and payment solution services from an active credit card to select or
nominated individual bank and electronic wallet (e-wallet) accounts.

General Mechanics:

1. PayNow service is applicable only to all principal and supplementary Metrobank

Peso Visa/Mastercard, Metrobank Vantage Visa/Mastercard, M Mastercard,
Titanium Mastercard, Platinum Mastercard, World Mastercard, PSBank Credit
Mastercard, Toyota Mastercard, Rewards Plus Visa, Femme Visa, Femme Signature
Visa, and Travel Platinum Visa credit cardholders in good credit standing.

2. PayNow service is not applicable to Metrobank ON Virtual Mastercard, Metrobank

Dollar Card, Corporate cards, Metrobank PRIME, Elite and Premier + Debit and
Prepaid cards, and YAZZ Prepaid Visa cards.

3. PayNow service is available in the Metrobank App, when a Metrobank credit card
is selected as the source account on a send money transaction. PayNow service is
also available via Metrobank Interactive Assistant (MIA) of Metrobank card on
Facebook Messenger.

4. To avail of PayNow service via MIA of Metrobank Card on Facebook Messenger,

primary and supplementary Metrobank credit cardholders must register their cards
through the Customer Service Hotline at 88-700-702. Only registered Metrobank
credit cardholders will be able to avail of PayNow service via MIA. For cardholders
with multiple Metrobank credit cards, enrollment to PayNow service will be on a
per credit card basis. Registration through the Customer Service Hotline is not
required for send money transactions done through the Metrobank App.

5. PayNow service is intended for purchase of goods and services. Fund transfers to
one’s own account is not allowed under Section 8 (Cardholder Responsibility)
herein.

6. PayNow money transfers are subject to a total maximum daily limit amount of
Php50,000.00 within the prescribed cut-off per credit card account, and a
maximum of Php100,000.00 for the last fifteen (15) calendar days. The limits on
transaction amounts may be revised upon Metrobank’s discretion subject to
reasonable notice.

7. All cardholders are required to update their mobile numbers with Metrobank to
avail of PayNow service.

8. The cardholder is required to provide his/her 16-digit credit card number, card
expiration date and one-time password (OTP) provided to the cardholder’s
registered mobile number in MIA of Metrobank Card on Facebook Messenger. For
send money transactions using the Metrobank App, the cardholder is required to
enter the 6-digit Passcode and one-time password (OTP) sent to his/her registered
mobile number to proceed with the transaction.

9. The cardholder is responsible for the OTP provided as part of the service
authentication and verification process once entered in the PayNow service.
Metrobank will NEVER ask the cardholder to share the OTP for his/her PayNow
send money transaction with ANYONE. Only the cardholder should encode it using
authorized Metrobank channels to confirm PayNow send money transactions.

NOTE: NEVER SHARE THE ONE-TIME PASSWORD (OTP) TO ANYONE.

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 10. Delivery of OTP and SMS notifications may be subject to delay due to traffic over
the mobile service network of your mobile service provider. Metrobank shall not
be liable for any loss or damages arising out of any interruption or delays due to
any failure or delay of the mobile service network.

11. Cardholders must ensure that all details required to process the PayNow send
money transaction are accomplished (example: beneficiary name, bank/e-wallet
name and bank/e-wallet account number) and the amount is complete and
accurate. No refunds or cancellations are allowed due to errors in information or
amount once the transaction has been successfully processed and charged to the
cardholder’s Metrobank credit card. All PayNow transactions are subject to
Metrobank’s credit evaluation and approval.

12. Metrobank reserves the right to disqualify a previously approved send money
transaction that was cancelled or charged back. Should the cardholder avail of the
PayNow service, but was later on deemed unqualified for not meeting the
requirements thereof due to disputes arising from, but not limited, erroneous,
invalid, fraudulent or unauthorized transactions, the cost of the send money
transaction shall be charged by Metrobank to the cardholder’s credit card account.

13. The terms and conditions governing the issuance and use of Metrobank credit
cards, reminders and other provisions contained in the card carrier, statement of
account, charge slips and other documents or instruments, which are made an
integral part hereof by reference, shall likewise be resorted to in instances where
they are applicable in these terms and conditions.

14. The PayNow service is further governed by the Terms and Conditions Governing
the Issuance and Use of Metrobank Credit Cards and the Metrobank Online and
Metrobank App Terms and Conditions. See Terms and Conditions at:
https://www.metrobankcard.com/about/termsandcondition and
https://www.metrobank.com.ph/articles/mbo-terms-and-conditions.

15. It shall be the cardholder’s responsibility to regularly check Metrobank’s official

websites: www.metrobank.com.ph and www.metrobankcard.com for any
changes or announcements related to Metrobank credit cards, Metrobank’s
electronic channels, the terms and conditions of the PayNow service and
Metrobank’s Privacy Policy. The cardholder’s continued use of the PayNow service
shall constitute their acceptance of the terms and conditions as amended.

PayNow Terms and Conditions:

1. PAYNOW SERVICE

1.1. Metrobank PayNow service allows you to send money instantly to various individual
bank or e-wallet account/s in the Philippines, either for payment of goods and/or services.
A processing fee of up to 1.5% of the transacted amount or Php25.00, whichever is higher,
is charged upfront for every use of the PayNow service. The amount disbursed using the
PayNow service, including the processing fee, will form part of the usual credit card
transactions that will be billed and charged to the cardholder on a monthly basis.

1.2 A transfer rejection fee of Php3.00 will be charged to the cardholder for each PayNow
transaction sent to invalid or inactive destination accounts such as, but not limited to,
closed accounts and dormant accounts.

1.3 PayNow service does not earn rewards points, unless offered as a promo or otherwise
allowed by Metrobank.

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1.4 The PayNow service is available through the Metrobank App, when a Metrobank credit
card is selected as source account on a send money transaction and through the
Metrobank Interactive Assistant (MIA) Chatbot of Metrobank Card via Facebook
Messenger. Metrobank will require cardholder authentication to access the PayNow
service. For the Metrobank App, the cardholder is required to enter the 6-digit Passcode
and one-time password (OTP) sent to his/her registered mobile number to proceed with
the transaction. For MIA of Metrobank Card, the cardholder is required to enter his/her
16-digit Metrobank credit card number and a one-time password (OTP) provided to the
cardholder’s registered mobile number in to proceed to the PayNow service feature.

1.5 The PayNow service is available only for send money transactions to select or
authorized bank and e-wallet partners of Metrobank. The authorized partners will be listed
in the Metrobank App or MIA of Metrobank Card and may be changed from time to time.

2. ELIGIBILITY

2.1. The PayNow service is open to all principal and supplementary Metrobank Peso
Mastercard/Visa, Metrobank Vantage Visa/Mastercard, M Mastercard, Titanium
Mastercard, Platinum Mastercard, World Mastercard, PSBank Credit Mastercard, Toyota
Mastercard, Rewards Plus Visa, Femme Visa, Femme Signature Visa, and Travel Platinum
Visa credit cardholders in good credit standing only.

2.2 The following cards are not qualified to avail of the PayNow service: Metrobank ON
Virtual Mastercard, Metrobank Dollar Card, Corporate cards, Metrobank PRIME, Elite and
Premier + Debit and Prepaid cards, and YAZZ Prepaid Visa.

3. SEND MONEY OR MAKE PAYMENTS

3.1. When a cardholder makes a payment using the PayNow service, the cardholder
authorizes Metrobank to automatically debit the payment amount and the PayNow
processing fee from the cardholder’s designated credit card, and to credit such payment
amount to the nominated beneficiary bank or e-wallet account.

3.2. When using the PayNow Service to make fund transfers or payments, the cardholder
is responsible for ensuring the accuracy and completeness of all nominated beneficiary
bank or e-wallet account names, numbers and amounts contained in his/her instructions.
Metrobank will not be responsible for any errors or any resulting loss or damage incurred
by the cardholder due to his/her incorrect entry of the nominated account’s information.
Metrobank does not carry out any independent verification on the nominated beneficiary
account and its information.

3.3. The cardholder agrees that Metrobank does not guarantee the exact time at which
the nominated beneficiary account will be credited by the relevant receiving bank or e-
wallet. To avoid incurring any penalty or other financial charges, the cardholder must
initiate a PayNow transaction sufficiently ahead of the payment due date as agreed upon
with the beneficiary. Metrobank will not be liable for any losses, damages, penalties or
other financial charges incurred by the cardholder or nominated recipient in relation to
the foregoing.

3.4. Metrobank shall not be obliged to carry out any PayNow transaction and may reject
any PayNow transaction made on the designated credit card at its discretion. The
cardholder is not allowed to use the PayNow services to make payments in respect of (a)
any loan/debt repayment such as, but not limited to, credit card payments, mortgage
repayments and loan payments; (b) any cryptocurrency related transactions; (c)
unacceptable transactions, such as gambling transactions or transactions whose cause,
object or purpose is contrary to law, morals, good customs, public order or public policy;
(d) transactions which are not for personal purposes or use; or (e) such other transactions
that Metrobank may determine based on its discretion.

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3.5. Metrobank may impose a maximum limit on the amount and number of PayNow
transactions a cardholder can perform at a given time or period. Such limits on amount
and transaction count may be revised upon Metrobank’s discretion subject to reasonable
notice.

3.6. Unless for confirmed cases of fraud or unauthorized transactions without the
participation, fault, negligence or acquiescence of the cardholder, the cardholder accepts
and agrees that no refunds, reversals or cancellation of PayNow transaction amounts or
processing fees are permitted once charged to the designated credit card account.

3.7. The cardholder authorizes Metrobank to rely in good faith upon any instruction, which
Metrobank believes to have been made by the cardholder, referring to the OTP, credit
card expiry date, CVV and/or such other identification number or security device as
Metrobank may issue to the cardholder in accordance with its prescribed service
verification process, as authentic and duly authorized, whether or not actually authorized
by the cardholder. Metrobank shall be under no obligation to investigate the authenticity
or authority of persons sending or purporting to send the instructions or to verify the
accuracy and completeness of the same. Such instructions shall be deemed to be
irrevocable and binding on the cardholder notwithstanding any conflict or inconsistency
with any other prior instructions given by the cardholder to Metrobank or any error, lack
of clarity or misunderstanding in any instruction received by Metrobank; provided that the
instructions are provided in accordance with Metrobank’s prescribed verification process
prevailing at the time.

4. EXCLUSION OF LIABILITY

4.1. The cardholder acknowledges that Metrobank is not responsible for any interruptions,
errors, omissions, or delays beyond its control in the PayNow service and/or the transfer
of the payment amount to the nominated beneficiary account.

4.2. In the event that Metrobank is rendered wholly or partly unable to provide the
PayNow service by reason of causes beyond its control, including (but not limited to)
equipment, telecommunication, system or transmission link malfunction, failure or
sabotage, fire, flood, explosion, storm, acts of God, accidents, epidemics, work stoppages,
strikes, lockouts, blackouts or failure, labor disputes, civil disobedience, riots, rebellions,
compliance with applicable laws or regulations, or by any other causes which Metrobank
could not reasonably be expected to avoid, the performance of the PayNow service as
they are affected by such causes shall be excused while such causes exist. Metrobank
shall not be liable for any delay, loss, damage or inconvenience whatsoever caused by or
arising from or in connection with any one or more of the above-mentioned causes.

4.3. Without prejudice to the generality of the foregoing, Metrobank shall not be
responsible for any losses, damages, expenses (including any penalty or financial charges
incurred by the cardholder) to any of the following situations: -

4.3.1. Any delay or failure in delivery or transmission of payment amounts;

4.3.2. Any variation, cancellation or discontinuation of the PayNow service with

reasonable notice;

4.3.3. Closure, blocking or putting on hold of the credit card account (or any credit
balance therein, if any);

4.3.4. Payment which causes the cardholder’s credit card account to go over its credit
limit;

4.3.5. Incomplete and/or incorrect payment information provided by the cardholder,

including without limitation the nominated beneficiary account name, number and
payment amount;

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 4.3.6. In Metrobank’s opinion, the misuse by any cardholder of the PayNow service;

4.3.7. Rejection by Metrobank or by the receiving bank or e-wallet provider (of the
nominated beneficiary account) of payment for any reason whatsoever;

4.3.8. Metrobank and/or receiving bank/e-wallet’s compliance with applicable laws or

regulations;

4.3.9. The cardholder’s failure to comply with any applicable laws or regulations;

4.3.10. Personal devices or equipment (including computer, mobile, laptop, tablet or

other handheld devices), software or any communications links which are not working
properly;

4.3.11. The PayNow service being unavailable/down for maintenance with reasonable
notice;

4.3.12. The cardholder’s use of the PayNow service being prohibited, restricted,
delayed or otherwise affected by: (a) the laws and regulations of the country from
where the PayNow Service is accessed and/or the terms and conditions prescribed by
the relevant service provider, information service provider, network provider, content
provider, service or such other equivalent system in such country of access; (b) any
law or regulation of any jurisdiction, regional or international authority which governs
any use or any component of the PayNow Service, the relevant internet service
provider, information service provider, network provider, content provider, server or
such other equivalent system; (c) any act or omission by the relevant internet service
provider, information service provider, network provider, content provider, service or
such other equivalent system; (d) our modifying, maintaining or upgrading the
PayNow service and/or the relevant Metrobank pages; and/or (e) terminating or
modifying the PayNow service; or

4.3.13. The fraud, negligence, default, act or omission of any third party;

4.4.14. Any payment or transfer made, whether intentionally or accidentally, to any

account outside the Philippines; or

4.4.15. The lawful processing of recipient/beneficiary and cardholder’s personal data.

4.4. Metrobank may at its absolute discretion, from a risk management perspective,
security perspective or if required by the relevant authority or under any applicable law
or regulation, without notice to cardholder and without giving any reason, suspend the
cardholder’s access to the PayNow service. Metrobank may terminate the PayNow service
at any time at its discretion with reasonable notice.

4.5. Without prejudice or limitation to any of these terms, Metrobank will not be
responsible for any losses, damages, expenses or costs whatsoever (including without
limitation, any direct, indirect, special, incidental or consequential damages, loss of profits
or loss of any opportunity) suffered by the cardholder or any third party arising from non-
action on any such instruction for any reason whatsoever, except in the case of
Metrobank’s gross negligence or willful default. For the avoidance of doubt, Metrobank
shall not be liable to cardholders for any losses or damages, expenses or costs whatsoever
(including without limitation, any direct, indirect, special, incidental or consequential
damages, loss of profits or loss of any opportunity) arising out of or in connection with
the disclosure to any person of any information whatsoever regarding cardholder, the card
account(s), arising in any way as a result of or from or in connection with the cardholder’s
neglect or failure to keep the OTP or other security-related information confidential or the
use of the PayNow service, except in the case of Metrobank’s gross negligence or willful
default.

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4.6. Any contract between the cardholder and a beneficiary with respect to any goods or
services provided to the cardholder by the beneficiary, or with respect to any payment
obligation between the cardholder and a beneficiary, is independent of these terms and
conditions and is entirely between the cardholder and such beneficiary. Accordingly,
Metrobank assumes no responsibility and will have no liability of any kind whatsoever in
respect of the cardholder’s dealings with the beneficiary including with regard to the
payment amount, and the proper and timely delivery of goods or services by the
beneficiary. The cardholder remains to be solely and fully responsible for the timely and
complete fulfilment of all of the obligations towards the beneficiary (whether under
contract or at law), including all payments to be made by cardholder to the beneficiary.
The cardholder agrees to pursue all claims and disputes against a beneficiary directly.

5. FEES, INTEREST AND OTHER RELATED CHARGES

5.1. The cardholder will be charged upfront the PayNow processing fee for every use of
the PayNow service, the amount of which will be disclosed to the cardholder. The PayNow
processing fee is payable in addition to the payment amount. By using the PayNow
Service, the cardholder authorizes Metrobank to charge the PayNow processing fee and
the corresponding payment amount to the cardholder’s Metrobank credit card.

5.2. The cardholder shall be responsible for any tax or any other levies or charges
whatsoever now or hereafter imposed by law or required to be paid in respect of any
PayNow service transaction and cardholder shall compensate Metrobank for any payment
of such taxes made by Metrobank (if any) on the cardholder’s behalf.

5.3. The corresponding fees, interests and charges shall be imposed in case of non-
payment of the PayNow service transaction(s) in full on the due date specified in the
monthly statement of account. The PayNow service amount, its interests and charges shall
be combined with the other outstanding and unpaid transactions of the cardholder in
accordance with the Metrobank Terms and Conditions on Fees and Charges.

6. RELEASE OF INFORMATION

6.1. By availing of the PayNow service, the cardholder explicitly consents to provide the
beneficiary’s name and bank or e-wallet account details to Metrobank for the sole purpose
of fulfilling the payment instructions and sending payment to the nominated beneficiary
account.

6.2. By using the PayNow service, the cardholder agrees, consents and authorizes
Metrobank to disclose his/her personal data, as defined under the Data Privacy Act of
2012 and its implementing rules and regulations, including but not limited to his/her name,
address, date of birth, credit card number, in connection with this PayNow Service to:

6.2.1. Agents, service providers, correspondents, independent contractors and/or

associates of Metrobank tasked to process, collect, and store personal data specifically
for the PayNow services;

6.2.2. Any bank, financial institution or e-wallet provider involved in the payment,
which includes the receiving bank or e-wallet of the payment amount (i.e. the bank or
e-wallet which holds the beneficiary account); and

6.2.3. Law enforcers, police, regulators or courts of competent jurisdiction or any

public officer conducting investigations in connection with any offense or alleged
offense related to the PayNow services.

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7. HOLDING OF FUNDS

7.1. Metrobank may, in its sole discretion, place temporary holds on payments or suspend,
cancel, deny, stop or reverse any payment without any liability to any cardholder or any
third party (including for late fees, penalties, or interest imposed as a result of late
payment), including for the following reasons: (a) in order to verify the identity or status
of the beneficiary or to conduct such checks as Metrobank may deem necessary to comply
with applicable laws or regulations; (b) if the cardholder has brought a dispute or claim
against Metrobank and that dispute or claim has not been resolved; (c) if the cardholder
may have committed a breach of these terms, the terms and conditions governing the
issuance and use of Metrobank credit cards or of any relevant Metrobank Terms and
Conditions; (d) Metrobank detects any unusual or suspicious activity on the cardholder’s
Metrobank credit card; (d) Metrobank has reason to believe that the credit card may be
or may have been compromised, used for fraud or for unacceptable transactions, void or
illegal transactions; or (e) Metrobank has reason to believe that there is unauthorized or
fraudulent use of the PayNow service. Metrobank has the right to request more
information from the cardholder or any third party regarding a payment before a hold is
released. Notwithstanding the foregoing, funds successfully credited to the beneficiary
account can no longer be refunded or cancelled unless found to be unauthorized or
fraudulent.

8. CARDHOLDER RESPONSIBILITY

8.1. When accessing and using the PayNow service, the cardholder must comply with any
prescribed verification procedures, or other procedures, directions and instructions
communicated by Metrobank to the cardholder. Further, the cardholder hereby represents
and warrants that the cardholder SHALL NOT, in connection with the use of the PayNow
service:

8.1.1. Use the PayNow Service other than exclusively for the types of payments and
beneficiaries that Metrobank allows (as set out in these terms);

8.1.2. Send money to one’s self or recipients who have not provided the cardholder
with goods or services, unless allowed by Metrobank;

8.1.3. Provide the cardholder or any other party a cash advance from the cardholder’s
credit;

8.1.4. Engage in any fraudulent, illegal or unlawful activity whether intentionally or

unintentionally, or breach any regulations, rules, notices, instructions or directives of
any regulatory body or authority, governmental agency or national or other securities
exchange;

8.1.6. Infringe Metrobank’s or any third party’s copyright, patent, trademark, trade
secret or other intellectual property rights;

8.1.7. Use the PayNow Service in a manner that Metrobank reasonably believes to be
in breach of the relevant card association or network rules or any relevant Metrobank
Terms and Conditions; and/or

8.1.8. Use the PayNow Service to operate or engage in any business regulated by the
Bangko Sentral ng Pilipinas (BSP) or any other relevant regulatory body. Such
businesses include, but are not limited to, money services, remittance businesses or
virtual currency exchanges.

8.2. When Metrobank determines that the cardholder has engaged in any suspicious
activities, or committed a breach of these terms, any relevant Metrobank Terms and
Conditions or any applicable laws or regulations, or if Metrobank reasonably suspects that
the cardholder has engaged in fraud or an illegal activity in connection with the PayNow

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service, Metrobank shall take such action, as Metrobank may deem appropriate, such as
but not limited to the following: (a) terminating, suspending, or limiting cardholder access
to the PayNow service; (b) declining transactions even if cardholder has sufficient credit
limit; (c) suspending or cancelling the credit card and/or; (c) requiring the update of any
inaccurate information that the cardholder had provided. The cardholder agrees to
cooperate fully with any investigation that Metrobank conducts in connection with the
foregoing.

9. INDEMNITY

9.1. The cardholder will indemnify and hold Metrobank free and harmless against any
loss, damage, liability, cost and expense (including legal costs), which Metrobank may
reasonably incur or suffer as a result of or in connection with the cardholder’s credit card
account and/or the PayNow service and/or these terms, including without prejudice to the
generality of the foregoing:

9.1.1. Breach of any of the cardholder’s obligations, responsibilities and/or

representations and warranties under these terms or any relevant Metrobank Terms
and Conditions;

9.1.2. The actual or attempted enforcement or protection of any of the rights and
remedies against the cardholder;

9.1.3. Any change in law, regulation or official directive which has an effect on the
PayNow service, the credit card account and/or these terms; and the same may be
charged to the credit card account and/or shall be paid by the cardholder on demand;
and/or

9.1.4. Any of the instances enumerated under Section 4 herein.

10. NO REPRESENTATIONS OR WARRANTIES

10.1. The cardholder expressly understands and agrees that the use of the PayNow
service is at the cardholder’s sole risk. The service is provided to the cardholder “as is,”
“as available” and without any representation or warranty of any kind, whether express,
implied or statutory (including any implied warranties of title, merchantability, satisfactory
quality, fitness for a particular purpose, compliance with any description, non-infringement
or any implied warranty arising from course of performance, course of dealing, usage of
trade or otherwise, all of which are expressly disclaimed). Metrobank expressly disclaims
all warranties of any kind, whether express or implied, including, but not limited to the
implied warranties of merchantability, fitness for a particular purpose and non-
infringement, except in the case of gross negligence or willful default. In particular,
Metrobank makes no warranty that (i) the service will meet the credit cardholder’s
requirements; or that (ii) the service will be uninterrupted, timely, secure, virus-free or
error-free.

11. INTELLECTUAL PROPERTY

11.1. The cardholder acknowledges that all proprietary rights relating to and in connection
with the PayNow service (including without limitation of Metrobank websites, Metrobank
webpages, the Metrobank App, MIA of Metrobank Card on Facebook Messenger on which
the PayNow service is also hosted and all updates thereof, including without limitation any
title, trademark rights, patent rights and copyrights, shall at all times vest and remain with
Metrobank.

12. MISCELLANEOUS PROVISIONS

12.1. Venue of Actions. These terms are governed by Philippine law and the cardholder
hereby submits irrevocably to the exclusive jurisdiction of Philippine courts. The exclusive

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venue of all suits to enforce these terms is in the proper courts of Makati City, with both
parties waiving any other venue.

12.2 Assignment or Transfer. Metrobank may assign or transfer its right or obligations
under the PayNow service subject to reasonable notice to the cardholder.

12.3 Separability. Should any of the terms and conditions hereof be declared illegal,
invalid or unenforceable by any competent authority, the remaining terms and conditions
hereof shall not be affected or impaired thereby and shall remain in full force and effect.

12.4. Waiver of Breach. No waiver of a breach or violation of any term or condition

hereof shall constitute a waiver of any subsequent breach or violation of the same or any
other term or condition. The failure to exercise, or any delay in exercising any right, nor
any single or partial exercise of any right hereunder shall not operate as a waiver thereof,
prevent any further exercise thereof or any other right, nor be construed to excuse or
absolve the cardholder from complying with or fulfilling the same.

12.5. Amendment of Terms and Conditions. Upon prior written notice (e.g. letter,
publication, statement of account or otherwise) to the cardholder within a reasonable time
as prescribed under pertinent regulations, Metrobank may, at any time and for whatever
reason it may deem proper, amend, revise or modify the terms and conditions hereof,
and such amendments shall bind the cardholder, unless he/she objects thereto by
manifesting his intention to terminate or revoke his/her consent to these terms and
conditions.

12.6 Customer Assistance. For any questions, concerns or complaints, the cardholder
may contact:

 Metro Manila: (02) 88-700-700

 Domestic Toll Free: 1-800-1888-5775
 Email: customercare@metrobank.com.ph

Metrobank is regulated by the Bangko Sentral ng Pilipinas (BSP).

 Tel#: (02)8708-7087
 Email: consumeraffairs@bsp.gov.ph
 Website: www.bsp.gov.ph

12.7 Acceptance of Terms and Conditions. By using the PayNow service, the
cardholder acknowledges that he/she has read, fully understood and accepted all the
terms and conditions herein stated, including the terms and conditions in separate
documents such as the Issuance and Use of Metrobank of Credit Cards, Schedule of
Metrobank Credit Card Fees and Charges, use of Metrobank Mobile Banking, Metrobank
Online and Metrobank App, and any amendments thereto.

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