Terms & Conditions — paytime

1 Definitions

Throughout these Terms and Conditions, the following definitions apply:

• "paytime" or "the Platform" refers to paytime.bet and all associated services, games, and features accessible through the website.
• "We," "Us," or "the Operator" refers to the legal entity operating paytime under the PAGCOR framework for Philippine online gaming.
• "You" or "the Player" refers to any individual who registers an account on paytime or accesses the Platform in any capacity.
• "Account" means the registered profile created by a Player to access paytime's services and hold a PHP wallet balance.
• "Funds" refers to any Philippine Peso balances deposited into or held within a paytime Account, including real-money balances and bonus credits where applicable.
• "Wager" or "Bet" means any real-money stake placed on any game or sporting event available through paytime.
• "Bonus" means any promotional credit, free spin, cashback offer, or other incentive provided by paytime to eligible Players in accordance with specific promotional terms.
• "KYC" or "Know Your Customer" means the identity and age verification process required of all Players before their first withdrawal.
• "PAGCOR" means the Philippine Amusement and Gaming Corporation, the government body responsible for regulating gaming activities in the Philippines.

2 Acceptance of Terms

By accessing paytime, creating an Account, making a deposit, or placing any Wager on the Platform, you unconditionally accept and agree to be bound by these Terms and Conditions, along with paytime's Privacy Policy and Responsible Gaming Policy, all of which form an integral part of the agreement between you and the Operator.

If you do not agree with any part of these Terms, you must immediately cease use of paytime and close your Account by contacting paytime Support. Continued use of the Platform following any modification to these Terms constitutes your acceptance of the revised Terms.

3 Eligibility

To register and maintain an Account on paytime, you must satisfy all of the following eligibility criteria at the time of registration and at all times during which you use the Platform:

• You are at least twenty-one (21) years of age. paytime strictly enforces the 21+ minimum age requirement in accordance with PAGCOR regulations applicable to Philippine online gaming.
• You are physically located in the Republic of the Philippines at the time of wagering.
• You are not a resident or citizen of any jurisdiction where online gambling is prohibited by applicable law.
• You are acting on your own behalf and not as an agent, nominee, or representative of any third party.
• You are not a current employee, contractor, director, or officer of the Operator, nor an immediate family member of such a person.
• You have not previously been self-excluded from paytime or had an Account closed by the Operator for a violation of these Terms.
• You are not suffering from a diagnosed gambling addiction or participating in a gambling exclusion programme at the time of registration.

4 Account Registration

Each eligible person may register only one (1) Account on paytime. The creation of multiple Accounts by a single individual — whether using different mobile numbers, email addresses, payment methods, or device identifiers — constitutes a violation of these Terms and will result in the closure of all associated Accounts and the forfeiture of all Funds therein.

Registration Requirements

During registration, you must provide accurate, current, and complete information including, but not limited to: your legal full name, Philippine mobile number, date of birth, and residential address. You must promptly update your Account information if any details change.

Account Security

You are solely responsible for maintaining the confidentiality of your Account login credentials. paytime will not be liable for any loss resulting from unauthorised use of your Account arising from your failure to keep credentials confidential. You must notify paytime Support immediately if you suspect unauthorised access to your Account.

paytime will never request your password via chat message, email, SMS, or any other communication channel. Any request for your password purportedly from paytime should be treated as fraudulent and reported to [email protected] immediately.

5 Identity Verification (KYC)

In compliance with PAGCOR regulatory requirements and Philippine anti-money laundering legislation, paytime is required to verify the identity of all Players before processing any withdrawal from the Platform.

Acceptable forms of government-issued photo identification for KYC purposes include: PhilSys National ID, UMID, Philippine Passport, Driver's License, SSS ID, GSIS eCard, Voter's ID, or PRC ID. You must provide a clear photograph of the front and back of your chosen ID and a selfie photograph holding the ID beside your face.

paytime may, at its sole discretion, request additional documentation including proof of address, proof of payment method ownership, or source-of-funds declaration where required by regulatory obligations. Failure to provide requested documentation within a reasonable timeframe may result in temporary suspension of withdrawal functions or Account closure.

All KYC documentation submitted to paytime is stored securely under SSL encryption and handled in strict compliance with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173). KYC documents are not shared with any party outside the PAGCOR regulatory framework.

6 Deposits

paytime accepts deposits through the following payment channels: GCash, Maya (formerly PayMaya), BPI Online Banking, BDO Online Banking, UnionBank Online, Coins.ph, USDT TRC20, and 7-Eleven over-the-counter cash payments.

The minimum deposit on paytime is ₱100 (Philippine Pesos). paytime does not impose a maximum deposit limit for standard accounts; however, large deposits may require additional verification in compliance with anti-money laundering requirements applicable to Philippine online gaming operators.

All deposits must originate from a payment method registered in your own name. Deposits from third-party accounts, corporate accounts, or prepaid cards not linked to a verified personal account are not permitted and may result in the suspension of your Account pending investigation.

paytime does not charge fees on deposits for most standard payment methods; however, third-party payment providers may apply their own transaction fees. GCash and Maya deposits are typically credited to your paytime wallet within seconds of confirmation. Bank transfer deposits are generally credited within 5–15 minutes during standard banking hours.

7 Withdrawals

Withdrawal requests on paytime may only be made to a payment method registered in the same name as your verified Account. The minimum withdrawal amount is ₱200 (Philippine Pesos). KYC verification must be completed before any withdrawal request can be processed.

GCash and Maya withdrawal requests are typically processed within 15–30 minutes of submission. Bank transfer withdrawals are processed within one (1) to three (3) business days depending on the receiving institution. Crypto withdrawals (USDT TRC20) are subject to standard blockchain confirmation times.

paytime reserves the right to request additional verification documentation before processing any withdrawal where there is a reasonable suspicion of fraudulent activity, where Anti-Money Laundering (AML) obligations require it, or where the withdrawal amount is significantly larger than the Player's historical deposit and wagering pattern.

Bonus Funds are subject to wagering requirements before they may be converted to withdrawable cash balances. Detailed wagering requirements are specified in each individual promotion's terms. Attempting to withdraw Funds before meeting applicable wagering requirements will result in the forfeiture of Bonus balances and reinstatement of the real-money balance only.

8 Bonuses & Promotions

paytime offers various promotional bonuses to eligible Players, including but not limited to: welcome bonuses, deposit match bonuses, free spins, cashback offers, reload bonuses, and loyalty rewards. Each promotion is subject to its own specific terms, which are published alongside the offer and form part of these Terms by reference.

General Bonus Conditions

• All bonuses are subject to wagering requirements unless explicitly stated otherwise in the specific promotion terms.
• Bonuses are awarded per eligible Player and may not be transferred between Accounts.
• Only one bonus may be active at a time unless explicitly permitted by the specific promotion terms.
• paytime reserves the right to modify, cancel, or suspend any promotion at its sole discretion with reasonable notice to Players.
• Bonuses are only valid for use within the specified promotion window. Expired bonuses are automatically removed from Player Accounts.
• If paytime determines that a Player is exploiting bonus terms — including through matched betting, arbitrage, or systematic use of low-risk betting strategies to satisfy wagering requirements — paytime reserves the right to void any Bonus balance and decline further bonus offers to that Account.

9 Betting Rules and Game Conduct

All Wagers placed on paytime are final once confirmed. paytime does not accept requests to cancel or modify confirmed Wagers unless a game error or technical malfunction is identified by the Operator. In the event of a manifest error in odds, payouts, or game outcomes caused by a technical fault, paytime reserves the right to void affected Wagers and return stakes to the relevant Accounts.

Live Casino

Live dealer game outcomes on paytime are determined by real physical processes conducted by human dealers in certified live studios. All live dealer game providers used by paytime are certified by independent testing authorities. Game history records are available to Players within their Account activity logs.

Sports Betting

Sports betting markets on paytime are governed by the individual sport's governing rules and by paytime's published sportsbook rules. Specific rules covering dead heats, postponements, abandonments, walkovers, and in-play betting are detailed in the Sportsbook Rules section of the Platform. In all cases, the Operator's interpretation of sporting results is final.

Slots and RNG Games

All slot games and Random Number Generator (RNG)-based table games on paytime use certified RNG systems verified by independent testing laboratories. Return-to-player (RTP) percentages for individual games are disclosed in the game information panels within the platform lobby.

10 Prohibited Conduct

The following conduct is strictly prohibited on paytime and will result in immediate Account suspension, permanent closure, and/or forfeiture of Funds, at the Operator's sole discretion:

• Registering more than one Account on the Platform, whether under your own name or another identity.
• Providing false, misleading, or fraudulent information during registration or KYC verification.
• Using another person's identity, payment credentials, or KYC documents to register or maintain an Account.
• Colluding with other Players to manipulate game outcomes or exploit promotional terms.
• Using automated betting software, bots, scripts, or artificial intelligence to place Wagers on paytime.
• Exploiting software bugs, errors, or platform vulnerabilities to gain an unfair advantage.
• Engaging in any form of money laundering, structuring, or suspicious financial activity through the Platform.
• Threatening, harassing, or abusing paytime Support staff or other Players through any communication channel.
• Attempting to access paytime from a jurisdiction where online gambling is prohibited.
• Reverse engineering, scraping, or otherwise extracting data from the Platform without prior written consent.

11 Account Suspension and Closure

paytime reserves the right to suspend or permanently close any Account at its sole discretion, including but not limited to the following circumstances:

• Breach of any provision of these Terms and Conditions.
• Failure to complete KYC verification within the required timeframe.
• Reasonable suspicion of fraudulent activity, money laundering, or abuse of the Platform.
• Regulatory requirement or direction from PAGCOR or another competent authority.
• Identification of the Account as belonging to an ineligible person, including individuals under 21 years of age.
• At the Player's own request for Account closure or self-exclusion.

Where an Account is closed for a breach of these Terms, paytime will conduct a review of the Account activity. Funds determined to have been generated through prohibited conduct may be forfeited. Legitimately deposited Funds that are unrelated to the breach will be returned to the verified payment method after the review period.

Players who wish to voluntarily close their Account may submit a request to paytime Support. Account closure requests will be processed within five (5) business days. Any remaining real-money balance at the time of voluntary closure will be returned to your last verified payment method.

12 Responsible Gaming

paytime is committed to promoting responsible gambling and to minimising harm to Players and the wider community. paytime provides the following responsible gaming tools to all registered Players, accessible at any time from within Account Settings:

• Deposit Limits: Daily, weekly, and monthly deposit ceiling controls. Limit reductions take effect immediately; increases are subject to a 24-hour cooling-off period.
• Session Time Limits: Automatic alerts and session termination after a Player-defined period of continuous play.
• Loss Limits: Maximum net loss thresholds over defined periods, after which further wagering is suspended until the period resets.
• Cool-Off Periods: Temporary account suspension from 24 hours up to 6 weeks. During a cool-off period, the Account cannot be used for wagering. The cool-off cannot be shortened once activated.
• Self-Exclusion: Permanent or long-term exclusion from the Platform. paytime will block all marketing communications to self-excluded Players and will not accept Account re-registration attempts from excluded individuals.

If you are concerned about your gambling behaviour or that of someone you know, paytime encourages you to seek assistance from qualified support services. paytime's Responsible Gaming page provides further information on available resources and self-help tools.

13 Intellectual Property

All content on paytime — including but not limited to the website design, graphics, logos, game interfaces, software, text, and trade marks — is the exclusive property of the Operator or is licensed to the Operator by its respective rights holders. All intellectual property rights are reserved.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use paytime for personal, non-commercial gaming purposes only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from paytime without prior written consent from the Operator.

14 Limitation of Liability

To the maximum extent permitted by applicable Philippine law, paytime's total liability to any Player in connection with the Platform — whether in contract, tort, negligence, or otherwise — shall not exceed the total amount deposited by that Player in the twelve (12) months immediately preceding the claim.

paytime shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from or in connection with your use of the Platform, including but not limited to loss of winnings, loss of data, interruption of service, or any loss arising from a technical fault beyond the Operator's reasonable control.

paytime does not guarantee that the Platform will be continuously available, error-free, or free from interruptions caused by maintenance, technical failures, or events outside the Operator's reasonable control. Scheduled maintenance windows will be communicated to Players where practicable.

You acknowledge that gambling involves financial risk and that you participate in all games and betting markets on paytime entirely at your own risk. paytime does not guarantee any winnings and is not responsible for any losses incurred through the normal course of gambling activity on the Platform.

15 Privacy and Data Protection

paytime collects, processes, and stores your personal data in accordance with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173) and all applicable PAGCOR data handling requirements. The full details of how paytime handles your personal data are set out in the paytime Privacy Policy, which forms part of these Terms.

By registering an Account on paytime, you consent to the collection and processing of your personal data as described in the Privacy Policy, including the use of your data for KYC verification, transaction processing, regulatory compliance, and — where you have opted in — marketing communications. You may withdraw marketing consent at any time through your Account Settings.

16 Governing Law and Dispute Resolution

These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising out of or in connection with these Terms, including disputes relating to Account closure, Wager settlement, or Fund withdrawal, shall be subject to the exclusive jurisdiction of the competent courts of the Republic of the Philippines.

Before initiating any formal legal proceedings, Players must submit their complaint to paytime Support in writing at [email protected]. paytime commits to providing a substantive written response to all formal complaints within seven (7) business days. If the complaint is not resolved to the Player's satisfaction through the internal complaints process, the Player may escalate the matter to PAGCOR through its published dispute resolution procedures.

paytime's decisions on matters of game outcome, Wager settlement, and bonus eligibility are final and binding, subject to the PAGCOR dispute resolution pathway available to all Players.

17 Amendments to These Terms

paytime reserves the right to amend, update, or replace these Terms and Conditions at any time. Material changes to the Terms will be communicated to registered Players via notification within the Platform and, where appropriate, via the contact information registered on your Account, with a minimum of seven (7) days' notice before the changes take effect.

Your continued use of paytime following the effective date of any amended Terms constitutes your acceptance of those amendments. If you do not agree with any amendment, you must cease using the Platform and contact paytime Support to close your Account before the amendment takes effect.

The version of the Terms and Conditions currently in force at any given time is the version published on this page at paytime.bet/terms-conditions. The effective date and last revision date displayed at the top of this page indicate the currency of the published version.

18 Contact and Support

If you have questions about these Terms and Conditions, wish to submit a formal complaint, or require assistance with your paytime Account, please contact the paytime Support team through the following channels:

• Customer Support Email: [email protected]
• Business and Legal Inquiries: [email protected]
• Live Chat: Available 24/7 through the paytime website. Average response time: 3–5 minutes.

All written communications to paytime regarding these Terms must include your registered Account mobile number and full legal name for verification purposes. paytime aims to respond to all formal correspondence within seven (7) business days.