Terms and Conditions

Supplemental Terms and Conditions for Payment Methods for app Remittance Transactions

These Supplemental Terms and Conditions form part of and shall be read together with the Terms and Conditions Regarding Remittance Service (the “Main Terms”). They apply to payments made to KABAYAN International Ltd. (hereinafter referred to as “KABAYAN”) for remittance transactions requested through the PhilMoney App. In the event of any inconsistency, these Supplemental Terms shall prevail only with respect to the payment methods addressed herein. The Main Terms shall continue to apply to all other matters. Terms not defined in these Supplemental Terms have the meanings given to them in the Main Terms. In the event of any discrepancy between the Japanese and English versions, the Japanese version shall prevail.

1 General Conditions

1.1. Customers must create and submit a remittance request through the PhilMoney App and obtain the applicable payment instructions and transaction reference before making any payment.

1.2. The payment amount must exactly match the amount indicated in the remittance transaction details.

1.3. KABAYAN will initiate processing of a remittance transaction only after the full payment amount has been received and verified. The applicable fulfillment period under the Main Terms will begin after the payment has been received and verified, subject to the applicable cut-off times and holidays.

1.4. Any fee charged by a bank, ATM operator, convenience store, or third-party payment service provider in connection with a payment, if applicable, shall be borne by the customer and is separate from any remittance fee shown in the PhilMoney App. The applicable payment fee will be displayed or otherwise disclosed to the customer before payment.

1.5. KABAYAN may reject, suspend, or cancel a remittance request if required by applicable laws or regulations, or if KABAYAN determines that such action is necessary under the Main Terms, these Supplemental Terms, or its compliance procedures. If payment has already been received, any refund will be handled in accordance with Section 7 and applicable laws and regulations. Unless prohibited by law or regulation, KABAYAN will notify the customer of the rejection, suspension, or cancellation.

1.6. Where payer information is made available to KABAYAN by the relevant payment service provider, the payer's name must match the sender’s registered name in the PhilMoney App. 

2 Cash Payment at KABAYAN Office or Counter

2.1. Cash payments made directly to KABAYAN may be made only at a KABAYAN office or at a counter designated by KABAYAN. Cash payments made through Pay-easy or a convenience store terminal are governed by Sections 4 and 6, respectively.

2.2. Customers must present the transaction reference and pay the full amount shown in the PhilMoney App.

2.3. KABAYAN accepts Japanese Yen (JPY) only.

2.4. Large-denomination banknotes may be subject to additional verification procedures.

2.5. Customers are responsible for confirming any change received before leaving the counter.

3 Bank Transfer Payment

3.1. Customers may pay by transferring funds to the designated KABAYAN bank account.

3.2. The remittance transaction will remain in "Unpaid" status until the transferred funds are received and verified.

3.3. When making a bank transfer, customers must accurately enter the recipient bank account details designated by KABAYAN, as provided in the payment instructions through the PhilMoney App.

3.4. Incorrect account details, a transfer amount that differs from the amount shown in the PhilMoney App, or processing times at the sending bank may delay the receipt, verification, or processing of the payment. 

3.5. Any bank transfer fees charged by the sending bank shall be borne by the customer.

3.6. KABAYAN may request additional information to verify the source of funds before processing the transaction. 

4 Pay-easy Payment

4.1. Customers selecting "Pay-easy" as the payment method shall receive :

• Payment Organization Number (収納機関番号)

• Customer Number (お客様番号)

• Confirmation Number (確認番号)

• Payment Deadline

These details are required to complete payment. 

4.2. Payments must be completed before the indicated payment deadline. Expired transactions will automatically become invalid and must be recreated in the PhilMoney App. 

4.3. For payments to KABAYAN through Pay-easy, cash payments made at an ATM are generally limited to JPY 100,000 per transaction. Limits for payments made by cash card or online banking are determined by the relevant financial institution. Customers must comply with the applicable limits and requirements displayed by that financial institution.

4.4. Availability of Pay-easy services may vary depending on ATM operating hours, bank maintenance schedules, and financial institution policies.

4.5. ATM outages, Pay-easy system maintenance, or interruptions to the Pay-easy service may delay payment confirmation or processing.

5 GMO Virtual Account Payment

5.1. Customers selecting "Virtual Account" as the payment method shall receive a unique virtual bank account number generated specifically for the remittance transaction.

5.2. Customers must transfer the exact payment amount indicated in the PhilMoney App to the virtual bank account assigned to the transaction.

5.3. Customers must carefully verify the GMO Virtual Account details before completing the bank transfer.

5.4. Virtual account details generated for a previous transaction must not be reused unless expressly instructed by PhilMoney.

5.5. If the amount received is less than the payment amount shown in the PhilMoney App, the customer must pay for the shortfall in accordance with the Main Terms and any payment instructions provided by KABAYAN. The remittance transaction will be processed only after the full payment amount has been received and verified. If the amount received exceeds the payment amount shown in the PhilMoney App, KABAYAN will refund the excess amount by bank transfer to the refund bank account registered by the sender in the sender’s own name, in accordance with Section 7.2 of these Supplemental Terms. Any deduction from the refund is governed by Section 7.3.

5.6. Customers are responsible for ensuring that all information related to their PhilMoney transaction and payment are correct before completing the transfer.

5.7. Any bank transfer fees charged by the customer's bank shall be borne by the customer.

5.8. Once payment has been received and successfully verified, the remittance transaction may be processed automatically.

5.9. Incorrect transfer details, a payment amount that differs from the amount shown in the PhilMoney App, bank processing times, or banking network interruptions may delay the receipt, verification, or processing of the payment.

6 Loppi Payment (Lawson, Natural Lawson, and MINISTOP)

6.1. Customers may use Loppi terminals at Lawson, Natural Lawson, and MINISTOP convenience stores when such payment option is available.

6.2. Customers must carefully follow the payment instructions displayed in the PhilMoney App and on the Loppi terminal.

6.3. Customers are responsible for ensuring that all payment information entered is accurate before confirming the transaction.

6.4. Customers must retain the payment receipt issued by Lawson, Natural Lawson, or MINISTOP until the payment status for the relevant remittance transaction is shown as “Paid” in the PhilMoney App. 

6.5. Incorrect payment information entered by the customer, failure to pay by the stated deadline, or system failures or service interruptions at Lawson, Natural Lawson, MINISTOP, Loppi, or an affiliated payment service provider may delay or prevent payment processing. Any liability arising from such circumstances is governed by Section 9 and the Main Terms.

6.6. Payment confirmation may not be immediate and may require additional processing time depending on the payment network.

6.7. Each payment through Loppi must not exceed JPY 300,000 per transaction. If a lower limit applies to a particular payment, the lower limit displayed in the PhilMoney App or by the payment service provider shall apply.

7 Refunds and Returned Payments

7.1. If a remittance transaction cannot be processed due to incorrect payment information, applicable legal or regulatory requirements, account verification issues, or other compliance concerns, KABAYAN may cancel the transaction. If payment has already been received, any refund will be made in accordance with Sections 7.2 and 7.3.

7.2. After completing the necessary verification procedures, KABAYAN will refund any amount to be returned under these Supplemental Terms by bank transfer to the refund bank account registered by the sender in the sender’s own name.

7.3. Any non-refundable third-party fees actually incurred in connection with the original payment or the processing of a refund, including any bank transfer fee charged for making the refund, may be deducted from the refund amount and shall be borne by the customer, to the extent permitted by applicable laws and regulations. KABAYAN will inform the customer of any such deduction and its amount before making the refund.

8 Anti-Money Laundering Compliance

8.1. Customers must use their own funds when making payments. If payment is made from a bank account or by cash card, the account or card must be held in the sender’s registered name in the PhilMoney App.

8.2. Payments made from an account held in the name of a third party may be rejected. If KABAYAN has already received such a payment, any refund will be handled in accordance with Section 7.2. 

8.3. KABAYAN reserves the right to request additional identification documents, proof of funds, proof of income, or other information necessary to comply with applicable laws and regulations.

9 Limitation of Liability

9.1. Any disclaimer or limitation of liability arising from or in connection with a payment method under these Supplemental Terms shall be governed by the provisions entitled “Disclaimer due to system failure, disaster, etc.” and “Limitation of liability” in the Main Terms. Those provisions apply to payments made by bank transfer, Pay-easy, Virtual Account, Loppi, or any other payment method covered by these Supplemental Terms.

9.2. Nothing in this Section limits KABAYAN’s obligations under Section 7 (Refunds and Returned Payments) of these Supplemental Terms or excludes or limits any liability to the extent that such exclusion or limitation is not permitted under applicable laws and regulations.

As of 01 October 2026