SSS Contribution Payment 2026: PRN, Online, Deadlines
Quick answer
Pay SSS contributions with a Payment Reference Number (PRN) from My.SSS or the SSS app, online (SSS app, GCash, Maya, ShopeePay, partner bank apps) or over the counter (SSS branch, partner banks, Bayad Center, ECPay, SM Bills Payment). The deadline is the last day of the month after the month or quarter you pay for; land-based OFWs have until December 31 for January to September, and until January 31 for October to December. Employees do not pay directly: the employer deducts their share and pays it by the last day of the following month.
What are the requirements?
- Your SS number and a My.SSS account or the SSS mobile app.
- A PRN for the months you are paying.
- Self-employed members: your declared monthly earnings set your MSC.
- Voluntary members: any MSC from the table when you first pay as a voluntary member.
- OFW members: an MSC of at least PHP 8,000.
- Employees: nothing to do; your employer handles the payment.
How much does it cost?
| Member type | Monthly contribution | Notes |
|---|---|---|
| Employee | 5% of MSC | The employer pays 10% more, plus PHP 10 or PHP 30 for employees' compensation |
| Voluntary member or non-working spouse | PHP 750 to PHP 5,250 | 15% of an MSC from PHP 5,000 to PHP 35,000 |
| Self-employed | PHP 760 to PHP 5,280 | 15% of MSC plus PHP 10 or PHP 30 for employees' compensation |
| Land-based OFW | PHP 1,200 to PHP 5,250 | Minimum MSC is PHP 8,000 |
The part of the MSC above PHP 20,000 goes to your MySSS Pension Booster account. Use our SSS contribution calculator to see your exact amount.
How do you apply, step by step?
Online
1. Log in to My.SSS or the SSS mobile app
2. Generate a PRN for contributions
Choose your membership type, the months to pay and your MSC. See how to generate a PRN.
3. Save the PRN
4. Pay in the SSS app through GCash, Maya, BPI or a card, or in the GCash, Maya or ShopeePay app
You can also use a partner bank's website or app. Choose SSS as the biller and enter the PRN as the reference number.
5. Keep the payment confirmation
6. Check your posted contributions in My.SSS
Walk-in
1. Generate your PRN online first
You can also request one through the SSS hotline 1455 or by email at usssaptayo@sss.gov.ph.
2. Pay at an SSS branch with a teller, a partner bank such as PNB, UnionBank or RCBC, or Bayad Center, ECPay or SM Bills Payment
3. Present your PRN and keep the receipt
How long does it take?
- Payments with a PRN are recorded in real time through the SSS Real Time Processing of Contributions system.
- Employers: pay by the last day of the month after the month covered.
- Self-employed, voluntary and non-working spouse: pay by the last day of the month after the month or quarter covered.
- Land-based OFWs: pay January to September contributions by December 31 of the same year, and October to December by January 31 of the next year.
- If the deadline falls on a weekend or holiday, you can pay on the next working day.
Where do you apply?
- Apply on the official website: https://www.sss.gov.ph/pay-contribution/
- Find SSS offices
What are the common problems and how do you fix them?
Payment not showing in My.SSS
Wait a few working days, then bring your receipt and PRN to an SSS branch.
PRN invalid
Generate a new PRN for the months you want to pay.
Missed a deadline as a voluntary or self-employed member
Late payments are not allowed. The missed months stay as gaps, so pay the current month on time.
Paid in advance before a rate change
You may have to pay the difference to keep your chosen MSC.
Employer deducted but did not remit
Report it to SSS with your payslips.
Frequently asked questions
How much is the SSS contribution in 2026?
The rate is 15% of your Monthly Salary Credit. Employees pay 5% and employers pay 10%. Voluntary members pay the full 15%, from PHP 750 to PHP 5,250 a month.
What is a PRN in SSS?
A PRN is a Payment Reference Number. It tells SSS which member and which months your payment is for. Every payment channel asks for it.
Can I pay SSS through GCash?
Yes. GCash is an accredited channel, both in the SSS app and in the GCash app. Enter your PRN as the reference number.
What is the deadline for SSS voluntary contributions?
Pay by the last day of the month after the month you are paying for. For quarterly payments, the deadline is the last day of the month after the quarter.
Can I pay past SSS contributions?
No, if you are voluntary, self-employed or a non-working spouse. Missed months cannot be paid late. Employers can pay late but are charged penalties.
What is the minimum SSS contribution for OFWs?
Land-based OFWs pay on a minimum MSC of PHP 8,000, which is PHP 1,200 a month.
Can I change my monthly salary credit?
Yes. Members below 55 can raise or lower their MSC any time. From age 55, you can raise it only once a year, by one bracket.
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