Easy Answer - Ive used this 1000 times always works. If you have a BANK ACCOUNT/ATM Card here in the philippines just go to your bank and get a PREPAID CREDIT CARD/CASH CARD... it has a Mastercard Logo and can be used like a credit card but it comes out of your balance on the card which you have to load first. It is attached to my online banking so its a matter of a few clicks and a few minutes to transfer money to my savings account to my Prepaid Mastercard.. Boom