Digital payment is indeed everywhere now, from unexpected expenses to online shopping on TikTok Shop, Lazada and Shopee. But managing these purchases can be challenging, even for savvy shoppers.
In fact, according to the 2026 eCommerce Savvy Shopper Report, Filipinos are ranked as Southeast Asia's 'savviest' shoppers, spending 47% more monthly because they strategically hunt for the best deals and payment methods.
Yet even savvy shoppers can strain their budget without flexible options. That's where the MoreTyme Virtual Card steps in, splitting every transaction into manageable installments so Filipinos can shop confidently and manage their finances smartly.
5 Reasons Why You Should Own a MoreTyme Virtual Card
The 'madiskarte' (resourcefulness) culture has been ingrained in our society. This Filipino trait makes us street smart and creative problem-solvers as we navigate daily challenges with the only available resources. Perhaps this is why most Filipinos are considered savvy shoppers.
Taking this into account, let's see how this trait connects to the MoreTyme Virtual Card, and find out the reasons why Filipinos need it more than ever in the digital era.
You need to manage your finances
Every household has a different daily cash flow, but the goal is often to bridge the gap between the high cost of living and household income. Some days, financial needs may go beyond the set budget, and some Filipinos might need to split payments into installments to make their expenses more manageable.
Fortunately, the MoreTyme Virtual Card automatically splits eligible purchases into four installments (Pay-in-4) as part of its installment payment solution for all eligible users. This gives Filipinos more flexibility to purchase what they need without using up their entire budget at once.
You need to split your online purchases
Modern Filipinos tend to juggle multiple things at once: their jobs, family life, social life, etc. Sometimes, they don't have enough time to go to a physical store, but instead they shop online to get what they need.
Taking this dilemma into account, an installment card like MoreTyme Virtual Card lets you split payments, making it easier to manage everyday expenses without straining your budget
You need to buy big purchases
Do you find yourself wanting to buy new appliances or perhaps a plane ticket to travel but you don’t have enough cash at the moment? Thanks to your MoreTyme Virtual Card, you can split big purchases into installments whether online or in-store.
So whether you’re shopping at the mall, booking flights on Cebu Pacific, or making any purchase with a Visa-accepting merchant, you can use your MoreTyme Virtual Card for digital payment flexibility. Plus, you can use it as an installment card to buy your ‘pasalubong’ when traveling abroad.
You want to go cashless
Sometimes, bringing a large amount of cash can be risky for safety reasons. When you want to go cashless, your MoreTyme Virtual Card is a smart choice for shopping. You can add it to your digital wallets, including Google Pay, Garmin Pay, and Apple Pay for contactless payments with instant virtual card activation.
All you have to do is tap and go when paying at the counter. Plus, you don't have to count your change or fumble with coins in your wallet—saving you time in the cashier line.
You need a more secure shopping experience
In the 2026 eCommerce Savvy Shopper Report, it revealed that Filipino Gen X and Gen Z shoppers were equally willing to pay more for stronger purchase protection. With this data, we can say a safe online shopping experience is a priority for most Filipinos.
Your MoreTyme Virtual Card indeed has enhanced security features like in-app lock and unlock whenever you want. It is also within a BSP-regulated financial institution, which makes it safe for users to use for their daily financial transactions.
How to Use Your MoreTyme Virtual Card
Your MoreTyme Virtual Card has many perks. First, learn the virtual card activation steps so you can use it to make your shopping easier.
Step 1: Activate your MoreTyme Virtual Card
Open the GoTyme Bank app anytime, anywhere—at home, work, or school—to start your MoreTyme Virtual Card setup. Go to MoreTyme Dashboard and tap “Manage Card” to activate it and get your secure card number.
Step 2: Spend at least Php 1,500
Once activated, you will have instant access to your MoreTyme credit line, ready to use for a lighter way to pay. You have to spend at least Php 1,500 to qualify for splitting your purchases into flexible installments
Step 3: Fund your Everyday Account
Now, before you shop, make sure to fund your Everyday Account so you can cover the first installment whenever you buy online or in-store.
Tip: View your payment calculator to see how much your need to fund before making a transaction
Step 4: Shop Online or In-Store
It’s time to enjoy your MoreTyme Virtual Card during online sales or when you go to the mall. Pay online by selecting VISA as your payment method. Just input your MoreTyme card details and you’re all set. If you don’t want to bring cash, you can link your MoreTyme Virtual Card to available digital wallets and just tap, pay, and go.
*Currently, only Apple Pay, Google Pay and Garmin Pay are available for MoreTyme Virtual Card.
Flexible Payments Now Come with a Virtual Card
Activate your MoreTyme Virtual Card in the GoTyme Bank app and start shopping with installment flexibility today.
Stay updated on product updates and learn how MoreTyme helps improve your shopping experience.
Frequently Asked Questions:
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What is a MoreTyme Virtual Card?
The MoreTyme Virtual Card is a way to pay in 4 installments anywhere VISA virtual cards and available digital wallets are accepted. It has its own unique number, CVV, and expiry date.
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How to use a MoreTyme Virtual Card?
You can use it to pay in installments anywhere VISA or available digital wallets are accepted, provided your purchase is at least Php 1,500 and within your remaining credit limit, and you have sufficient balance in your Everyday Account to cover the 1st installment. Online: select VISA as payment method and input your card details. In-store: link your card to Apple Pay, Google Pay or Garmin Pay.
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Is MoreTyme a Credit Card?
No, it's not a traditional credit card. MoreTyme Virtual Card lets you split purchases into 4 installments. It's an installment payment solution, not a credit card.
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How to be eligible for a MoreTyme Virtual Card?
Currently, MoreTyme Virtual Card is in early access and only available to select MoreTyme users. Keep actively using your GoTyme Bank and MoreTyme account and pay installments on time to increase your chances of getting access.
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Where can I use my MoreTyme Virtual Card?
You can use it online or in-store locally and internationally anywhere VISA or available digital wallets are accepted. Note: Usage is prohibited for financial services, casinos, gaming, and suspicious activities.
