How to Pay SSS Contributions Online

If you’re wondering how to pay SSS contributions online, you’re not alone. Whilst it might seem like a daunting task, paying online is a simple way to stay up to date with your contributions, saving you a trip to an SSS branch. Whether you’re an employee, voluntary payee, or OFW, we’ll take you through everything you’ll need to know to pay online. We'll also introduce the Wise account, a handy companion to make your money go further with low, transparent fees.

What is an SSS contribution and who needs to pay?

SSS, or the Social Security System, is a Filipino governmental program designed to improve social security in the country. Contributions are mandatory for most working Filipinos, and provide protection against a loss of income due to factors such as illness, disability or death¹.

Depending on your employment type, your contributions will vary:

• Employees: Coverage is compulsory², with the employee paying 5% of their salary, and their employer paying 10%³.
• Self-employed: Coverage is compulsory, with salary contributions of 15%
• Overseas Filipino Workers (OFWs): Coverage is compulsory whilst living abroad, with the worker paying the full 15% salary contribution. Upon returning from overseas, OFWs may continue to pay contributions to maintain their rights to full benefits.

For some, contributions may be voluntary. This includes⁶:

• Non-working spouses
• Employees who have been separated from employment (made redundant)
• Self-employed members who have received no income
• OFWs upon the termination of their overseas employment

Whilst for many, contributions are compulsory, the benefits it provides mean a lot of people choose to contribute even when they don’t need to. For example, if you are unable to work due to sickness, injury or unemployment, you may be entitled to a daily cash allowance to compensate for your lost income⁷. Upon reaching retirement age, you may also be eligible for either a monthly or lump-sum pension, depending on the number of contributions you have made⁸.

What you need before paying SSS online

Before you can pay SSS online, you’ll need several things to hand:

• SS number
• Payment reference number (PRN)
• Registered account

You’ll only need to create an SS number once, which will stay with you for life⁹, as will your account. However, you’ll need to generate a new payment reference number every time you make a contribution.

Paying SSS contributions is designed to give you flexibility, so you can make payments through a variety of channels, both in person and online. If you want to pay in person, you’ll need to find an SSS service near you, which makes paying online easier for many. We’ll go through how to pay online in more detail.

How to get PRN number

In order to pay your SS contribution, you’ll first need to generate a PRN. This is a number unique to each payment, so that the government knows that you have paid your contribution. You can generate a PRN in several ways¹⁰:

• Generate it through My.SSS, or through the SSS mobile app
• Email usssaptayo@sss.gov.ph
• Request one via the SSS hotline
• Request one using selected Payment Collecting Partners. Note that you’ll need to present a valid ID to do so

As you’ll need to make one for every SS contribution, find a way which works well for you, as this will save you hassle and time in the long run.

How to pay SSS contribution online: Step by step

There are a variety of ways to pay your contributions online. The steps you’ll need to follow vary depending on the payment method you choose, and your member type.

Paying online is likely to be easier than finding a physical location for most people. Understanding how to pay SSS contribution for OFWs online is particularly important however, as foreign workers are less likely to be able to access a physical location, making online payment options the only choice. For more details on SSS contributions as an OFW, check out our article dedicated to the subject.

My.SSS portal

You can pay your SSS contributions online via the My.SSS portal:

1. Log-in to your account
2. Generate a PRN
3. Follow on-screen instructions to pay

SSS Mobile app

SSS also has an app¹¹, making payments through your phone an easy choice for many.

1. Download the SSS mobile app and log in
2. Follow on-screen instructions to pay your SSS contributions.

The SSS mobile app works with several mobile wallets, including GCash e-Wallet, Maya e-Wallet, and for payment by debit or credit card.

E-Wallets

You can also pay via PayMaya and GCash. To pay with GCash, simply follow these instructions:

1. On your homepage, tap Bills
2. Choose SSS Contribution as your biller
3. Enter the details required on-screen
4. Review your transaction and confirm it

Note that GCash charges an 8 PHP fee for sending SSS contributions.

Online banking
You may also be able to pay SSS contributions online using your bank, if they are one of the participating institutions for SSS contributions, including:

• Robinsons Bank Corporation (RBC)
• Security Bank Corporation (SBC)
• Union Bank of the Philippines (UBP)

The exact step-by-step process will be different depending on the bank, but you’ll generally need to follow these steps:

1. Generate a PRN - see the steps above for how
2. Go to Billing, and choose SSS
3. Use your PRN as the account number or reference number

Common SSS online payment issues and how to fix them

Whilst paying your SSS contributions online is likely to go smoothly, there are also some common problems that members may face - but luckily, these have solutions.

If your PRN is not working, make sure you are using the correct one¹²: each PRN is only valid for a single month’s payment, so you’ll need to generate a new one each time. Try making a new one if your old one doesn’t work.

If your payment hasn’t posted, wait a few minutes. The system may take a little while to update, and once it does, your payment should show. If you’re not sure whether your payment has been sent, you can easily check:

1. Log into your My.SSS account
2. Click on Contribution, or Payment History
3. Look for your latest contribution

You may also get confirmation by email or SMS.

How to check contribution history

Checking your contribution history is simple through the My.SSS app:

1. Log into your account
2. Navigate to Contributions, or Payment History

From here, you can see your most recent payment, as well as other historical payments.

Paying from abroad? Convert to PHP for SSS and other local payments with Wise

If you’re paying SSS contributions from overseas or using a foreign card, exchange rate markups and extra fees can quickly add up.

The Wise account is an easy way to hold and exchange 40+ currencies, including PHP, USD, CNY, and more. All you need to do is create a free account to get started.

With Wise, you can exchange currencies at the mid-market rate each time, with low, transparent conversion fees from 0.57% and absolutely no markups. Plus, you can order a Wise card for convenient spending at the same great rate, without any foreign transaction fees. At times you need cash, you can also make up to 2 free ATM withdrawals to the value of 12,000 PHP when you're overseas. You'll even get 8+ local account details to get paid conveniently to your Wise account in PHP and a selection of other major global currencies.

Sending money or making payments abroad? Wise also offers fast, low cost transfers to 140+ countries - you can track your transfer in your account and your recipient will also be notified when a transfer reaches them.

🚀 Get started with Wise