Ready To Bill Out? GCash Has A Kanya-Kanyang Bayad Feature You Can Use
ILLUSTRATOR Bea Faicol
Most establishments started offering contactless payment options during the earlier months of the pandemic, and while the restrictions have loosened, the likes of GCash aren't going away. It's what we use to pay for all sorts of products and services, from our groceries, electronics, clothing materials, online purchases, and, of course, dining in establishments.
If you've ever eaten at a restaurant or a coffee shop with your friends, the common scenario goes something like this: One person pays for the total bill and everyone else pays that person their share, often via GCash. And if you're that "one person who pays for the bill," GCash has a convenient feature on the app made for you, the designated payer: GCash has a KKB function.
We're not sure if Gen Zs know what KKB means but just in case, it's an acronym for "Kanya-Kanyang Bayad," meaning "each one pays their own."
Here's how GCash's KKB feature works:
You can access the KKB feature by clicking VIEW ALL and scrolling down until you find the ENJOY section where you can see the KKB button with a receipt icon. You'll see the ACTIVE tab, the COMPLETED tab, and on the lower part of the screen, the NEW KKB REQUEST button. You click on this button to create a KKB transaction.
You can choose a category, depending on what you're paying for. The following categories are Activities, Entertainment, Family, Food, Friends, Gift, Shopping, Transportation, Travel, and Utilities. Choose Food if you're paying for your restaurant, coffee shop, or grocery bill, and then pick a due date, a.k.a. the deadline for completing the payment.
What's interesting about the KKB feature is you can choose a split type. There's the Split Equally if everyone is paying the same amount, then there's the Split by Item, which means you assign a certain item (with a corresponding price) to a person.
You Add People (the payers) either by adding them from your contact list or inputting their GCash-registered mobile numbers. You can also opt to create a group for those constant people you eat out or do groceries with.
GCash KKB: Split Equally
If everyone at the table ordered the same items or if everyone shared all the meals, you can choose Split Equally. All you have to do here is to add all the items listed on your bill, together with their Name (Food, Drinks, Grocery, or Others) and their corresponding prices. You can click the "+" button if you need to add multiple items.
As you add all these items, you'll see the Total Amount and Amount per Person become updated in real-time. Once you've finalized all the items, make sure that the total amount due on your bill should be the same as the total amount you see on your KBB request.
When you click on the NEXT button, you'll see the total amount under "You are about to create a KKB request worth:" and you'll also see the amount each person has to pay. Then click SEND to send out the KKB request!
GCash KKB: Split by Item
If you chose Split by Item, you'll see that there are two sections you have to fill in for each payer. There is the type of Items (Food, Drinks, Grocery, or Others) and their corresponding Price. If there are more items that the payer needs to pay for, you can click the "+" button on the right side of the name to add more items.
Once you've finalized all the items and prices and clicked on the NEXT button, you'll see the total amount of the bill and the total amount each payer owes. Make sure that all details are correct before hitting on SEND.
GCash KKB: How To Pay
Payers included in the KBB Request will receive an automated SMS to their GCash-registered number (the same number listed on the transaction). Payers can also access the KKB requests in their GCash inboxes.
If you're the payer: you can see the transaction under the Active tab, where all ongoing or unpaid KKB transactions can be found. Click on the transaction you're paying for, then your name, and click PAY.
When you've paid, the initiator, a.k.a. "one person who pays for the bill" will mark your payment as PAID. Your KKB transaction will get transferred from the Active tab to the Completed tab, where all paid KKB transactions can be accessed.
GCash KKB: Nudge
You can NUDGE someone to pay for their share of the bill! If you want to remind that friend, sibling, or your ka-date to pay for their portion but don't know how to say it, you can press the NUDGE button.
What you need to do is to go to the ACTIVE tab, click on the transaction, and then click on the drop-down arrow beside the person's name you want to nudge. You'll see the NUDGE button, right beside MARK AS PAID.
Be Wary of GCash KKB Scams!
While GCash's KKB feature is useful, it's important to be wary of people who take advantage of it. Watch this video about how scammers can use the KKB feature so you can avoid it from happening to you:
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