How to Pay SSS Contributions
Paying your SSS contributions regularly is essential to maintain your coverage and qualify for benefits. This guide covers all payment methods available for employees, self-employed members, OFWs, and voluntary members.
💡 Why Pay SSS Contributions?
- Maintain eligibility for SSS benefits
- Higher contributions = Higher benefits
- Qualify for sickness, maternity, retirement benefits
- Eligible for SSS loans (salary loan, calamity loan)
- Protection for you and your family
Who Pays What?
For Employees
- Employee pays: 4.5% of monthly salary
- Employer pays: 9% of monthly salary
- Total: 13.5% of monthly salary credit
- Automatically deducted from payroll
- Employer remits to SSS every month
For Self-Employed/Voluntary
- Member pays: Full 13.5% contribution
- Choose your Monthly Salary Credit (MSC)
- Minimum MSC: ₱1,000 = ₱135/month
- Maximum MSC: ₱30,000 = ₱4,050/month
- You pay directly to SSS
SSS Contribution Table 2026
Note: For employees, contribution is based on actual monthly salary. For self-employed/voluntary members, you can choose your MSC level.
| Monthly Salary Credit (MSC) | Employee (4.5%) | Employer (9%) | Total (13.5%) |
|---|---|---|---|
| ₱1,000 | ₱45.00 | ₱90.00 | ₱135.00 |
| ₱5,000 | ₱225.00 | ₱450.00 | ₱675.00 |
| ₱10,000 | ₱450.00 | ₱900.00 | ₱1,350.00 |
| ₱15,000 | ₱675.00 | ₱1,350.00 | ₱2,025.00 |
| ₱20,000 | ₱900.00 | ₱1,800.00 | ₱2,700.00 |
| ₱25,000 | ₱1,125.00 | ₱2,250.00 | ₱3,375.00 |
| ₱30,000 (Maximum) | ₱1,350.00 | ₱2,700.00 | ₱4,050.00 |
Payment Methods
SSS offers multiple convenient ways to pay your contributions:
Method 1: Online via My.SSS Portal (Recommended)
Step 1: Register/Login to My.SSS Website: https://my.sss.gov.ph Create account or login with credentialsStep 2: Click "Pay Contributions" Navigate to Contributions menu Select month/period to payStep 3: Select Payment Channel • Credit/Debit Card • GCash • PayMaya/Maya • Online Banking (BPI, BDO, UnionBank, etc.)Step 4: Enter Payment Details - Choose MSC level (for self-employed/voluntary) - Review contribution amount - Confirm payment informationStep 5: Complete Payment - Process payment through chosen channel - Receive confirmation email - Save Payment Reference Number (PRN)Advantages:✓ Pay anytime, anywhere (24/7) ✓ Instant posting of payment ✓ No need to visit SSS branch ✓ Digital proof of payment ✓ View payment history onlineProcessing Time: InstantFee: FREE (no service charge)Method 2: Payment Centers & Bayad Centers
Pay over-the-counter at authorized payment centers nationwide:
Banks
- BDO Network Bank
- LandBank of the Philippines
- UnionBank
- RCBC
- Security Bank
Bayad Centers
- 7-Eleven (Cliqq Kiosk)
- SM Bills Payment
- Bayad Center
- Robinsons Department Store
- Cebuana Lhuillier
Steps:1. Get SSS Payment Form (RS-5) - Download from sss.gov.ph - Or get blank form from payment center 2. Fill out the form - SSS Number - Name (as registered) - Month/Period covered - MSC amount (for self-employed/voluntary) 3. Go to payment center - Bring filled out form - Bring payment amount in cash 4. Pay and get receipt - Teller processes payment - Receive Official Receipt (OR) - Keep receipt for recordsProcessing Time: Same day postingFee: May have service charge (₱5-₱15)Method 3: Mobile Apps (GCash, PayMaya, etc.)
📱 GCash
- Open GCash app
- Go to "Bills"
- Select "Government"
- Choose "SSS"
- Enter SSS Number and payment details
- Confirm payment
- Save receipt
📱 PayMaya/Maya
- Open Maya app
- Tap "Bills"
- Select "Government"
- Choose "SSS Contributions"
- Input payment information
- Pay and confirm
- Screenshot receipt
✓ Benefits: Pay using your e-wallet balance, cashless transaction, instant confirmation, available 24/7
Method 4: Online Banking
If you have online banking, you can pay SSS contributions through your bank's bills payment facility:
Available Banks:• BPI Online/Mobile • BDO Online Banking • Metrobank Direct • UnionBank Online • Security Bank • RCBC Online Banking • And more...Steps (Example: BPI):1. Login to BPI Online/Mobile App 2. Go to "Pay Bills" 3. Select "Government" category 4. Choose "SSS (Social Security System)" 5. If first time: - Add SSS as biller - Enter SSS Number as account number 6. Enter payment details: - SSS Number - Amount to pay - Month/Period covered 7. Review and confirm payment 8. Save transaction receiptPosting Time: 2-3 banking daysFee: FREE (no bank charges for SSS)Method 5: At SSS Branch (Over-the-Counter)
Steps:1. Prepare requirements ✓ SSS Number or UMID card ✓ Payment amount 2. Go to nearest SSS branch - Bring SSS ID or valid ID - Get queue number 3. Fill out SSS Payment Form (RS-5) - Available at branch - Or bring pre-filled form 4. Submit at counter when called - Give form and payment to teller - Teller processes payment 5. Receive Official Receipt - Keep original receipt - Note: Long queues possibleBranch Hours:Monday-Friday: 8:00 AM - 3:00 PM (Varies by branch - check sss.gov.ph)Processing Time: Same dayFee: FREENote: May have long queues, online payment recommendedPayment Schedule & Deadlines
For Employees (Employer remits)
Deadline: On or before the last day of the month following the applicable month
Example: January 2026 contributions must be remitted by February 28, 2026
For Self-Employed/Voluntary Members
Deadline: On or before the last day of the month following the applicable quarter
| Quarter | Months Covered | Payment Deadline |
|---|---|---|
| 1st Quarter | January - March | April 30 |
| 2nd Quarter | April - June | July 31 |
| 3rd Quarter | July - September | October 31 |
| 4th Quarter | October - December | January 31 (next year) |
Complete Example: Self-Employed Payment
Scenario: Carlo Reyes, freelance software developerSituation:- Self-employed member - Chooses ₱20,000 MSC - Paying for Q1 2026 (January-March) - Uses My.SSS online paymentComputation:Monthly Salary Credit: ₱20,000 Contribution Rate: 13.5% (paid by member) Monthly Contribution: ₱20,000 × 13.5% = ₱2,700 Q1 Total (3 months): ₱2,700 × 3 = ₱8,100Carlo's Payment Process:April 25, 2026 (Before April 30 deadline) 1. Logged into My.SSS (my.sss.gov.ph) 2. Clicked "Pay Contributions" 3. Selected months: January, February, March 2026 4. Confirmed MSC: ₱20,000 5. Total amount: ₱8,100 6. Selected payment method: GCash 7. Redirected to GCash payment page 8. Confirmed payment via GCash PIN 9. Payment successful! 10. Received confirmation email 11. Payment Reference Number: PRN-2026-0425-12345 12. Contributions posted instantly to his accountCarlo can now:✓ View payment in My.SSS payment history ✓ Print official receipt from My.SSS ✓ Apply for SSS benefits if needed ✓ Qualify for salary loan (if eligible)Total Time: 5 minutes (from home)Total Cost: ₱8,100 (contributions only, no fees)Penalties for Late Payment
⚠️ Penalty for Non-Payment or Late Payment
3% per month penalty on unpaid contributions (computed from due date until full payment)
Example:
Contribution due: ₱1,350 (for March 2026)
Due date: April 30, 2026
Paid on: July 15, 2026 (2.5 months late)
Penalty: ₱1,350 × 3% × 2.5 months = ₱101.25
Total payment: ₱1,350 + ₱101.25 = ₱1,451.25
Additional consequences:
- Cannot apply for SSS loans until contributions are updated
- Cannot claim some benefits until penalties are paid
- Lower benefit computation if contributions are incomplete
Frequently Asked Questions
Can I pay for multiple months at once?
Yes! You can pay for several months or even a full year in advance. This is convenient if you want to stay updated without monthly payments. Just indicate all the months you're paying for.
What if I'm unemployed? Do I still need to pay?
If you're not working, you're not required to pay contributions. However, it's highly recommended to continue as a voluntary member (even at minimum ₱135/month) to keep your coverage active and avoid gaps.
Can I change my MSC level?
Yes, for self-employed and voluntary members, you can adjust your MSC level (within the ₱1,000-₱30,000 range) when paying. Higher MSC = higher contributions BUT also higher benefits when you claim.
How do I know if my payment was received?
Check your payment status by: (1) Logging into My.SSS and viewing your payment history, (2) Checking your Statement of Account, or (3) Calling SSS hotline with your Payment Reference Number.
What's the easiest way to pay?
My.SSS online payment is the most convenient - pay anytime via GCash, credit card, or online banking. Instant posting, no queues, and you get digital receipt immediately.
Can I still pay if I missed several months?
Yes, you can pay all unpaid contributions anytime. However, penalties will be charged for late payment (3% per month). It's best to settle as soon as possible to avoid higher penalties.
Do OFWs need to pay contributions?
OFWs are not required but highly encouraged to continue paying as voluntary members. This ensures continuous coverage and eligibility for benefits even while abroad. Payment can be done online via My.SSS.
Is there a penalty if my employer doesn't remit my contribution?
The penalty is on the employer, not on you. However, your coverage may be affected. Report non-remitting employers to SSS. You can verify your contributions through My.SSS portal.
Important Reminders
- Pay on time: Avoid 3% monthly penalties by paying before the deadline
- Use My.SSS: Online payment is the fastest and most convenient method
- Keep receipts: Save all payment receipts for verification purposes
- Check payment posting: Verify that your payment appears in your SSS records
- Higher MSC = Higher benefits: Consider paying higher contributions for better retirement benefits
- Don't skip payments: Continuous contributions ensure uninterrupted coverage
- Report non-remitting employers: Contact SSS if your employer deducts but doesn't remit
Need Help?
Contact SSS
- SSS Hotline: (02) 8920-6446 to 55
- Toll-free: 1-800-10-2255-777
- Email: members_relations@sss.gov.ph
- Website: www.sss.gov.ph
Disclaimer
This guide is provided for general informational purposes only. The requirements, steps, fees, and procedures mentioned here may vary depending on the SSS branch or office you visit. We recommend visiting your nearest SSS branch or office first to confirm the specific requirements and process before preparing your documents.