PayMaya is a secure app that lets you pay and shop online without a credit card. All you have to do is download the app for free on Google Play Store or the Apps Store etc., sign up, load up in Ministop, Seven Eleven, SM, Robinsons etc. and voila! You get a virtual card that lets you not only shop but also send money and pay bills such as Meralco, Globe, PLDT to name a few. Yep, all these just in a tap away!