RJMarmol.com – Since 2008.

PayFree.com.ph — an eWallet+ Payment Solution Closed Down on November 30, 2012

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I just browsed through my spam folder and found this email. I thought it was a hoax so I immediately emailed support. Turns out that it’s true. PayFree.com.ph indeed closed down.

payfree online or mobile payment for free in the philippines
PayFree is no more.

“Payfree is an eWallet+ payment solution that incorporates SMS-based applications to pay or get paid online or thru POS (point-of-sale) transactions. It provides value, convenience and security. 

It also features several value added services such discounted voip calls and electronic loading of prepaid cell phone credits for all of its members.It secures members from the dangers of online credit card fraud since credit card details will not be revealed to merchants. View the uses of payfree.“ — from the PayFree website.

Here’s what the email says:

Dear valued customers,

Please be informed that Payfree will no longer be operational by the end of this month. It has been a long and tough journey for all of us but we have learned so much throughout the course of doing business and are looking forward to creating new and relevant solutions in other markets and industries.

 

You will have time to withdraw whatever remaining balances you have in your Payfree e-wallets and facilitate any other transactions (cash-ins, fund transfers, e-loading, etc.) until next week. We will no longer process user transactions by November 30, 2012.

We’d like to thank you for your patronage these past few years. Thank you for using our services!

Sincerely,

the Payfree Team

http://payfree.com.ph/

Although I’ve signed-up as member and never used the service, I still feel sad to see another online money service company close down. It’ll probably take a few more years before the Philippines would jump into the online money service with both feet.

Meantime, you can visit their website and learn about the service you and I never got to use.

 

Let me know what you think… :)

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● About Me
Cecilia Regina Aquino Blanquera Marmol aka RJ Marmol profile picture

I’m RJ Marmol — writer, musician, and independent creator based in Manila.

I write songs, essays, and books about the messy overlap between money, overwhelm, creativity, identity, and rebuilding. Much of my work circles around what happens when life stops feeling manageable — and how we try to think clearly, make decisions, and keep moving anyway.

I’m also the author of Rebuilding Under Debt: Thinking Clearly When Everything Is a Blur, a nonfiction book published under Steady Hand Press. The paperback edition is listed under my full publishing name, Cecilia Regina Aquino Blanquera.

On the music side, I release work as HeyRJ. On the writing side, this site is where I gather my books, essays, notes, and whatever I’m building next.

Music

HeyRJ is my sonic soul project. I create raw, minimalist-style and deeply personal music interpretations that feel like a late-night conversation with your truest self.

By blending lo-fi acoustic textures with poetic honesty, my work explores love, loss, grief, healing, and the quiet in-betweens of life. Each song is a letter — a journal entry — a gentle companion for when the world feels too loud or too quiet.

While my catalogue began with intimate cover renditions, my work is increasingly being shaped by original writing, drawing from years of poems, lived questions, and emotional survival.

“Stuck Home Syndrome” released on March 20, 2026 is my first original 20-track album written during a period when time felt compressed and days began to blur into each other. The songs came from sitting with thoughts that had nowhere else to go — unfiltered, repetitive, and sometimes uncomfortable. It’s a concept album that isn’t built around singles or polish. It’s closer to a continuous inner monologue, recorded with minimal production and very little ornamentation and meant to be listened to as one cohesive body of work. The goal wasn’t to resolve anything, only to document how it felt while it was happening.

On May 29, 2026 I released new original singles – “Rapturous”, “Uh Huh”, “Look At You”, “All That” and “Blew Print”. I continue to release both original and cover songs and intend to so for as long as I can so check back every once in a while — you might. just find something you’ll like.

For business inquiries relating to music, email me at: heyrjmusic[at]gmail[dot]com or my personal email at: rjmarmol[at]gmail[dot]com.

Books

Rebuilding Under Debt: Thinking Clearly When Everything Is a Blur

A nonfiction book about what debt does to the mind — and how to begin functioning again when financial stress has made everything feel blurred, urgent, and overwhelming.

Rather than treating debt only as a financial math problem, the book explores the emotional and cognitive realities of financial distress: shame, decision fatigue, avoidance, panic, relationship strain, and the difficulty of making sound decisions while mentally depleted.

Published under Steady Hand Press. It’s available worldwide in ebook and paperback formats on Amazon. Bookstores and libraries can also be order it wholesale via Ingram.

Contact

For book-related inquiries, media requests, bookstore questions, or discussion-group invitations, you can reach me through the contact page on this site or send me an email to rjmarmol[at]gmail[dot]com or hello[at]steadyhandpress.com

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