Your Guide to Effortless SSS Online Payments and Contribution Tracking

Your Guide to Effortless SSS Online Payments and Contribution Tracking

Accounting| Investments| Finance| Bookkeeper
May 30, 2025•3 min read

Published Date: May 30, 2025

Published By: Jac Cantos, Upcloud Accounting

Paying your Social Security System (SSS) contributions is now easier than ever thanks to online access. Staying on top of your SSS payments is crucial for financial security and accessing various benefits. This guide simplifies the process of paying and tracking your SSS contributions online, whether you're an employee, self-employed, or an employer managing employee contributions.

Why Online SSS Contribution Tracking Matters

Checking your SSS contributions online offers significant advantages:

  • For Employees: Ensure your employer is making timely and accurate contributions, avoiding potential penalties.

  • For Self-Employed/Voluntary Members: Track your payments to ensure no contributions are missed, maximizing your eligibility for benefits. (Note: While there's no penalty for missed payments, retroactive payments aren't allowed.)

  • Benefit Eligibility: Verify your contribution history to confirm eligibility for salary loans, housing loans, disability benefits, and other member privileges.

How Employers Can Pay SSS Contributions Online

SSS offers several convenient online payment methods for employers:

  • BancNet: Utilize the eGov portal through 19 participating banks (see list below). You'll need to generate a Payment Reference Number (PRN) for each payment through your SSS online account.

  • GCash: Another convenient option, also requiring a new PRN for each payment.

Participating BancNet Banks:

  • Asia United Bank (AUB)

  • Bank of Commerce (BOC)

  • China Bank Corporation (CBC)

  • CTBC Bank

  • Metropolitan Bank and Trust Company (MBTC)

  • MUFG Bank

  • Philippine Bank of Communications (PBCom)

  • Philippine National Bank (PNB)

  • Rizal Commercial Banking Corporation (RCBC)

  • Robinsons Bank (RBC)

  • Standard Chartered Bank (SCB)

  • United Coconut Planters Bank (UCPB)

Types of SSS Contributions You Can Manage Online

The online SSS portal allows you to manage and track various contribution types:

  • Monthly Contributions (Employers): Manage employee contributions, ensuring timely and accurate payments.

  • Self-Employed/Voluntary Member Contributions: Track your own payments and maintain your coverage.

  • Flexi-fund (OFWs): Manage contributions for overseas Filipino workers.

  • Worker's Investment and Savings Program (WISP): A voluntary tax-free retirement savings program (subject to eligibility requirements).

  • Loan Repayments: Track all loan repayments made through your SSS account.

  • Employee Claims (Sickness/Maternity): Employers can view employee claims submitted online.

  • Salary Loan and Retirement Certifications: Access and manage your loan information and retirement certifications.

How to Pay SSS Contributions Online (Step-by-Step)

Detailed instructions for online payments through BancNet, UnionBank, and GCash are provided in the original article. (Note: These steps are available in the original article, and should be included here for completeness)

Stay on Top of Your SSS Contributions

Timely SSS payments are essential for accessing benefits and avoiding penalties. While online payment methods offer convenience, professional assistance can simplify the process further. For comprehensive bookkeeping and accounting services, contact Upcloud Accounting.

Upcloud Accounting: Virtual Outsourced Accounting and Bookkeeping Services in the Philippines

Upcloud Accounting offers accounting, bookkeeping, tax compliance, and business licensing services specializing with startups and SMEs in the Philippines.

Our goal is to increase efficiency, automation, and transparency across the accounting and finance functions of our clients with our cutting-edge technology. If you want to move your company’s finance function online, contact our Team of Expert Accountants and Bookkeepers directly via [email protected] or visit www.upcloudaccounting.com to learn more about how Upcloud Accounting accounting services can support your PH business!

Disclaimer: This article or blog is only for general knowledge and guidance and is not a substitute for an expert opinion. For technical advice, please consult your tax / legal advisor for your specific business concerns. For comments, suggestions, and feedback, feel free to email us at [email protected].

Back to Blog