PayMaya is a digital financial solution that empowers consumers and businesses, providing payment solutions for all eCommerce needs. PayMaya is a Joint Venture two Global Leaders: PLDT, the pioneer in mobile banking and mobile wallet services in the Philippines, and Rocket Internet, the world's largest internet platform outside of the US and China. Many Filipinos aspire to shop online but can't because they don't have access to banking services or credit cards. With the PayMaya app, anyone can now get their own instant virtual VISA card number so they can shop online without a credit card. PayMaya caters to businesses who can't accept card and online payments from their customers. For businesses who never want to miss a sale, PayMaya provides an array of products so they can accept payments from anyone, anywhere. PayMaya is formerly known as Smart e-Money Inc. (SMI), a subsidiary of SMART Communications, the largest network in the Philippines, with more than 46 million subscribers and patrons in the Philippines and abroad since the start of year 2000. Smart Hub, Inc. defines the mobile commerce and Mobile Payments Gateway globally with MasterCard Worldwide. This is where the developing countries can utilize superlative financial services like mobile banking and mobile commerce. Moreover, SMI's mobile wallet services have won several awards from distinguished international organizations and have led to strategic alliances with leaders in the remittance and payment industries. With over 10 years of experience in the mobile commerce industry and a pioneer in Mobile Banking and Mobile Wallet Services, Smart Communications have implemented a proprietary mobile commerce infrastructure that spans different products and services across different market segments, partnered with various financial institutions big and small in catering to the financial transaction requirements of the banked and unbanked.