WEBINAR

PAYMENT REFERENCE NUMBER (PRN)

UNDER REAL-TIME PROCESSING OF
LOANS (RTPL)
 A. RTPL Overview
COURSE B. Payment Reference Number (PRN) Loans
OUTLINE Processes - Employer (ER)
C. Frequently Asked Questions - PRN Loans
In compliance to the directive of the President of
the Philippines to digitize the SSS processes in line
with the Ease of Doing Business Act, SSS
implements the Real Time Processing of Loans
(RTPL)
• Mandatory online filing of Salary Loan –
effective 11 November 2019 (Circular 2019-
014 dated 01 October 2019)
• PRN for loan payments – effective 09
November 2020 (Circular 2019-014 dated 01
October 2019)
Other member loan processes under the RTPL
umbrella:
• Mandatory online filing of Calamity Loan –
effective 15 June 2020 (Circular 2020-013
dated 13 June 2020)
• Salary Loan Releases thru DBP via PesoNet
Accredited Banks (Circular 2020-015 03 July
2020)
What are the NEW GUIDELINES in LOANS?
Circular 2019-014 dated 01 October 2019
Deadline of Payment
▪ Single-payment deadline for all member types every
end of the month following the applicable month
effective for the applicable month of October 2019
(due on or before 30 November 2019).
▪ If payment deadline falls on a Saturday, Sunday or
holiday, payment may be made on the next working
day.
Applicable to All Existing and Future
loans
Interest
▪ Same 10% interest rate per annum
▪ Pro-rated interest (PRI) from the date of loan
granting up to the end of the month prior to first
amortization month shall be deducted from the
loan proceeds.
▪ PRI is labeled as “Advance Interest” in the
Disclosure Statement.

Applicable to loans granted on

11 Nov 2019 onwards
Underpayment/ Arrearages
▪ Aggregate unpaid obligation equivalent to more than
six (6) monthly amortizations shall result to loan
default.
▪ The full balance of a defaulted loan shall become due
and demandable.
▪ A defaulted account is subject to 10% interest per
annum charged on the outstanding principal balance
and 1% penalty per month on unpaid principal and
interest until fully paid.
Applicable to loans granted on
11 Nov 2019 onwards
Filing of Loan Application
▪ Online filing of loan application thru My.SSS
facility
➢ Salary Loan effective 11 November 2019
➢ Calamity Loan effective 15 June 2020 (Circular 2020-013
dated 13 June 2020)
▪ EXCEPT Educational Assistance Loan (EALP) and
Emergency Loan (ELAP) which will still be filed OTC
at SSS Branches due to additional documentary
requirements.
Issuance of Loans Billing
▪ Electronic issuance/sending of monthly loan billing with
Payment Reference Number (PRN) thru SMS/email –
effective November 2020 (for the applicable month of
October 2020).

Applicable to All Existing and Future

loans
Loan reference for Payment and
Reporting
▪ Implementation of the use of Payment
Reference Number (PRN) for loans

Applicable to All Existing and Future

loans
 PROCESS FLOW
PRN FOR LOANS
Payment Reference Number
is composed of 14 characters, of which loan
payment will be identified with the first
character depending on the type of payor (R –
Employer and I – Individual).
 Payment Reference Number (PRN) Loans
Processes - Employer (ER)

1. Sending of PRN Loans billing notices

❑PRN Loans module in My.SSS
PRN Loans • View PRN
• Edit PRN
for • Add record
•
Employers •
Create LCL
Download/upload LCL
2. Payment of PRN
• ATS of SSS Branches
• Collecting Partners
3. Posting of Paid PRN
❑Sending of posting PRN Loans notices
 PRN Loans Processes – Employer (ER)
a. Receive email from SSS
1 Get PRN b. Log in to My.SSS account
c. IM and ER may get PRN at any SSS branches

a. SSS Automated Tellering System (ATS)

2 Pay with PRN
b. Compliant Collecting Partners

3 a. SSS sends notification thru email or

Payment Notification SMS to confirm payment and posting
SAMPLE PRN LOANS BILLING NOTICES FROM SSS

ABC COMPANY
PRN Loans thru
ER’s email
Channels to get PRN Loans

My.SSS Web Portal SSS Branches SSS Mobile Application

i. Individual Member-Borrower i. SSS Self Service Express (for development/enhancement)
ii. Employer Terminals (SETs)
ii. E-Centers
iii. Over-the-Counter
NOTES:
• Individual and Employers may get their PRN at any nearest branch thru PRN Inquiry in WINS. For individuals, modification
of amount to be paid at the Branch is allowed. However, for ER, modification is thru their My.SSS only.
• FOR EMPLOYERS
• Regular Employer
• Household Help Employer
 Step 1
Employer to go/visit the
My.SSS portal or
www.sss.gov.ph and click
the “EMPLOYER” tab
Outline of
Report
Captcha field is required
when logging-in
 Log in Employer User ID and Password

ABC COMPANY
ABC COMPANY
ID Number 01-2345678-9-000
Novaliches Branch

Click the RTPL button to view Payment

Reference Number (PRN).
ABC COMPANY
ID Number 01-2345678-9-000 Active PRN loans will be displayed
Novaliches Branch
Employer (ER) PRN Loans Facility
ONLINE FEATURES
1. Edit LCL
• ER edits the “Amount To be Paid” for each
employee in the provided LCL.
2. Add record
• ER adds another or new employee in the existing
LCL.
3. Create New LCL
• ER creates a partial LCL from the original LCL
issued by selecting from the list of employees
(splits LCL).

OFFLINE FEATURES
1. Download LCL
• ER can download the LCL (in excel format) and
work offline.
2. Upload LCL
• ER can upload the LCL (in excel format).
ABC COMPANY
ID Number 01-2345678-9-000 View “PRN”
Novaliches Branch

ABC COMPANY
Address 1
Address 2

ID Number 01-2345678-9-000
ER PRN Loans Online Features

1.Edit LCL
• ER edits the “Amount to be Paid”
for each employee in the original
LCL provided.
ABC COMPANY
ID Number 01-2345678-9-000 Employer to “EDIT LCL”
Novaliches Branch
ABC COMPANY
ID Number 01-2345678-9-000 “EDIT LCL” main page
Novaliches Branch

Click the “+” sign to show

the content of each part

Part III – Pre-Billing/Newly Added Records

ABC COMPANY
ID Number 01-2345678-9-000
Novaliches Branch
ABC COMPANY
ID Number 01-2345678-9-000
Novaliches Branch
Part III – Pre-Billing/Newly Added Records
 Employer can edit the “Amount to be
Paid” in the data entry field. Amount
can be greater or less than the “Amount
Due” or zero for those without payment,
but should not be more than the
“Outstanding Balance”
ER PRN Loans Online Features

2. Add record
• ER adds another or new
employee in the existing
LCL.
ABC COMPANY
ID Number 01-2345678-9-000 Employer to “ADD RECORD”
Novaliches Branch
 “ADD RECORD” MAIN PAGE

1. ER to key in the SS number then click “SUBMIT”.

2. The system will display all the active loan/s of the newly added record.
3. ER to select the particular loan among the list (if with more than one) then click “SAVE TO
DRAFT” to add.
 The system will prompt the above
message if the newly added record is
already existing in the billing.
 Newly added record is with single active loan

Based on MOP No. 2015-013 dated 22 Dec 2015

The newly added record is added to the “count and
amount due” of the original LCL issued.
 System to prompt that the
record is successfully added.
 The “Total Amount to be Paid” and “Total Employee Count”
are updated once record/s is/are successfully added.

It is the same PRN. Only the details

are changed/updated.
Part III – Pre-Billing/Newly Added Records
Prior to “ADD RECORD”, count is 338. Now, it is 339.
To easily search for the newly added record,
employer can do alpha or numeric search.
ER to update the “Amount to be
Paid” of the newly added record.
ER to confirm and save to update the changes
made in the LCL record.
ABC COMPANY
ID Number 01-2345678-9-000
Novaliches Branch

System to prompt the employer that the

record is successfully saved and updated.
ABC COMPANY
ID Number 01-2345678-9-000
Novaliches Branch

AFTER ADD RECORD

PRIOR to ADD RECORD

ER PRN Loans Online Features

3. Create New LCL

• ER creates a partial LCL from
the original LCL issued by
selecting from the list of
employees (split LCL).
ABC COMPANY
ID Number 01-2345678-9-000 Employer to “CREATE LCL”
Novaliches Branch
“CREATE LCL” MAIN PAGE

This is the working sheet of the

employer to create partial LCL.
1. The “original” and “new” list
can be viewed in this page.
2. ER may “add” or “remove” an
employee from the original LCL
to create a new LCL.
3. A numeric and alpha search
key is also available for easy
utilization.
ER may manually click the tick
box to select the EE from the
“original” list then use “ADD” tab
to complete the “new” list. Or
use the “REMOVE” tab to delete
an EE from the newly created
list.
 0123456789 CAESAR
BELLAGIO

9876543210 HYATT WYNN

The selected EE from the original

list is now part of the newly
created LCL.
 0123456789 CAESAR BELLAGIO

9876543210 HYATT WYNN

The selected EE from the original

list is now part of the newly
created LCL.

ER to confirm and save to update

the changes made in the LCL record.
System to prompt that a new LCL is created
with corresponding new PRN assigned to it.
ABC COMPANY
ID Number 01-2345678-9-000
Novaliches Branch

NEWLY CREATED (PARTIAL) LCL

PRN SOURCE OF THE “CREATE LCL”

ABC COMPANY
ID Number 01-2345678-9-000
Novaliches Branch

ABC COMPANY
Address 1
Address 2

ID Number 01-2345678-9-000
The newly created
LCL now has a
PRN of its own.
ER PRN Loans Offline Features

1. Download LCL
• ER can download the LCL
(in excel format) and work
offline.
ABC COMPANY
ID Number 01-2345678-9-000 Employer to “DOWNLOAD LCL”
Novaliches Branch
 Click to enable
modification in the
downloaded excel file
Click to enable macros
in the downloaded
excel file
 Excel functionality
aside from edit:
1. Validate
The downloaded excel file contains two (2) sheets: 2. Add
1. System-generated LCL 3. Error
2. Instructions on “How To Use the LCL Excel File”
INSTRUCTIONS PROVIDED IN THE EXCEL
 Excel to prompt this
message if ER failed to
validate the data first
prior to saving.
 Excel to prompt this
message if LCL contains
invalid or error in LCL
record after validation.
 ER to correct the
error/invalid entries in
the LCL record.
 Excel to prompt this
message if LCL contains
valid entries in the LCL
record after validation.
ER to click “validate”
every time there’s a
change in record.
In adding new record, the following “ERROR” tab helps the ER to easily
are mandatory fields: find the cell with invalid entry/ies
1. SS Number
2. Loan Type
3. Loan Date
 Excel to prompt this
message if ER failed to
validate the data first
prior to saving.
Excel to prompt this red
highlight if newly added
record already exist.
 Excel to accept the newly
added record if with different
record either in SS number,
loan type or loan date.
All entries are valid.
ER to save the excel file
if all entries are valid
after the validation.
ER PRN Loans Offline Features

2. Upload LCL
• ER can upload the LCL (in
excel format).
ABC COMPANY
ID Number 01-2345678-9-000 Employer to “UPLOAD LCL”
Novaliches Branch
ABC COMPANY
ID Number 01-2345678-9-000
Novaliches Branch
ABC COMPANY
ID Number 01-2345678-9-000
Novaliches Branch

ER to select the
file from
PC/laptop to
upload.
ABC COMPANY
ID Number 01-2345678-9-000
Novaliches Branch

Ensure that the

file is uploaded
then click
“SUBMIT”.
ABC COMPANY System to show the
ID Number 01-2345678-9-000
Novaliches Branch details based on the
LCL file uploaded.

01-2345678-9 –
000

Sample: PRN is the same,

but amount is different
ABC COMPANY
ID Number 01-2345678-9-000
Novaliches Branch
System to prompt an error message if file
is not consistent with the PRN record
after ER clicks the “SAVE RECORDS” tab.
ABC COMPANY
ID Number 01-2345678-9-000
Novaliches Branch

If file uploaded is correct and the same

as the existing PRN and LCL, system to
prompt the above message after ER
clicks the “SAVE RECORDS” tab.
ABC COMPANY
ID Number 01-2345678-9-000
Novaliches Branch
Sample PRN view VS details of same
transaction from the ACTIVE PRN list.

ABC COMPANY
Address 1
Address 2

ID Number 01-2345678-9-000
 Present PRN upon payment to SSS tellering counters
Step 2 or compliant collecting partners.

P 500.00

PRN
RTPL PRN Loans Compliant
as of October 30, 2020
A. SSS Branches with Tellering Facility
B. Accredited Collecting Partners
Banks under BancNet
➢UCPB Savings
1. Asia United Bank (Local)
2. Bank of Commerce
3. China Bank Corporation
➢PNB Foreign 4.
5.
CTBC Bank
Metropolitan Bank and Trust Company
6. MUFG
7. Philippine Bank of Communications
8. PNB Local
➢Bancnet 9. RCBC
10. Robinsons Bank
11. Standard Chartered Bank
12. United Coconut Planters Bank
 Payment posting will be sent to the member’s
Step 3 registered mobile number and email address.

SSS
Payment
posted
SAMPLE PRN LOANS POSTING NOTICES FROM SSS

abcxyz@gmail.com

ABC COMPANY

PRN Loans
thru ER’s email
SAMPLE PRN LOANS POSTING NOTICES FROM SSS
PRN Loans thru member’s email PRN Loans thru member’s SMS

03xxxxxx01 Your
(Loan Type) payment
for P 999,999.00 on
MM/DD/YY with
Payment Ref. No.
TMYY9999999999 has
been posted. Log in to
your My.SSS account
for details.
ER “VIEW PAID PRN”

ABC COMPANY
ID Number 01-2345678-9-000
Novaliches Branch
ABC COMPANY
01-2345678-9-000
 PRN
LOANS
Question
What is a PRN Loans?

The Payment Reference Number for loans or PRN for loans is a

system-generated number that corresponds to a loan billing
Answer statement of an individual member or employer.

As part of the Real-Time Processing of Loans (RTPL) program,

this will facilitate immediate and correct posting of loan
payments to the corresponding loan account.
Question

Is PRN for loans required for all loan payments?

Yes, to ensure immediate and correct posting of loan payments

to the corresponding loan account.
Answer
Question
When shall the use of PRN for loans start?

▪ Implementation of the use of PRN for loan payments will

commence on 09 November 2020 for applicable month of
October 2020. Loan billing with PRN will be sent to your
Answer registered mobile and email address.
▪ However, SSS will still accept non-PRN payments until 31
January 2021 ONLY.
▪ Mandatory use of PRN for loan payments will be strictly
implemented on 01 February 2021 (for billing month: January
2021).
Question
Why do I need to get PRN for loans?

Similar to PRN for SS Contributions, the use of PRN for loan

payments will facilitate immediate and correct posting of loan
payments. As soon as you pay, the amount will be posted (or
Answer credited) to your loan account, no matter where you are in the
world.

Remember: You must have a PRN for every SSS loan payment
transaction.
Question
Is PRN provided for all types of loan (e.g. Loan Restructuring)?

Yes, PRN is available for all short-term member loan types such
as:
✓ Salary Loan
Answer ✓ Calamity Loan (CLAP)
✓ Emergency Loan (ELAP)
✓ Loan Restructuring

EXCEPT Educational Loan Assistance Program (EALP) which shall

be without PRN yet until further notice.
Question
I have more than one outstanding loan, will I get one PRN for
each?

Yes, there will be one (1) PRN for each outstanding loan of
individual members. However, for employed individuals, their
Answer loans will be included in their current employer’s PRN.
Question
How and where to view/get my PRN for loans?

Individual members and employers may view/get their PRN for

loans thru the following:
✓ The SSS website by logging in to their registered My.SSS
Answer account
✓ Any nearest SSS branches (thru WINS) or e-Service Centers
with Self Service Express Terminals (SETs)
✓ Call the SSS helpline at 1455 (Mondays to Fridays only)
✓ Email at PRNHelpline@sss.gov.ph
Question
What do I need to present in the payment of PRN?

Payor may present any of the following:

Answer ▪ Printed PRN Loans Billing (with barcode) downloaded from

My.SSS or obtained from SSS Branch
▪ SMS on PRN Loans received from SSS
▪ PRN Loans Billing (with barcode) from member’s Android
or iOS device
Question
Can a member/employer pay a different amount other than the
amount billed by the SSS with PRN?
Yes. However,
▪ Member and employer must modify first the amount to be
paid by logging in to their My.SSS account via the SSS website
Answer and update the corresponding PRN.
REMEMBER:
▪ Amount to be paid may be lower than the amount billed BUT
cannot be greater than the Outstanding Balance.
▪ Make sure to SAVE every modification made in the details of
PRN via My.SSS facility to update the changes.
Question
Can my representative e.g. spouse, sister/brother, etc. pay for
me?

Yes, as long as your representative has your PRN details.

Answer
Question
Can I still use a PRN after its due date?
▪ Yes, as long as the new PRN for the recent billing month is not
yet generated by SSS but penalty will apply.
▪ However, the old PRN will expire upon the generation of the
Answer new PRN for the latest billing month. PRN generation is from
1st to 6th day of the month following the billing month (e.g.
PRN for applicable month November 2020 will be generated
on December 1 to 6, 2020).
▪ Once expired, PRN will no longer be accepted for payment.
Member/Employer must use the new PRN which contains the
past due and current due amounts.
Question
What if a member/employer did not pay the amount due for a
particular applicable month? Can they pay it the next month
instead?

▪ Yes, but it will be covered by the most recent PRN for the
current applicable month. The most recent PRN will include
the past due and current due amounts with the
Answer corresponding interest and penalty.
▪ Prior month’s PRN will become invalid upon generation of the
latest PRN.
Question
How can an employer delete a separated employee from the
electronic Loan Collection List?

Employer cannot manually delete/remove a separated employee

in the eLCL but they can replace the amount to be paid with zero
(0) for the separated employees .
Answer
To remove the separated employees from the LCL, employer
must report the separation thru R1A to update the loan billing
effective the next applicable month.
Question

How will I know if my PRN payment is posted?

Posting notice will be sent as thru:

➢ SMS and email for individual member-borrowers
➢ E-mail for employers
Answer
Members/employers may view their My.SSS account thru
www.sss.gov.ph or call the SSS Hotline at 1455 for verification.
Question
Will loan payment by employers thru Electronic Data
Interchange (EDI) providers e.g. eGov, BizLink without PRN still
be allowed?

SSS and SSS accredited Collecting Partners shall still accept non-
PRN payments, including loan payment of employers thru
Answer Electronic Data Interchange (EDINet)/eGov facilities, until 31
January 2021 from our accredited collecting partners covering
the applicable month of December 2020.
Question
Can I get my PRN Loans thru SSS mobile app?

PRN Loans thru SSS Mobile Application will become available

soon. Kindly visit our official website or social media* accounts
for any announcements.
Answer
*Official SSS social media accounts:
▪ Facebook – Philippine Social Security System
▪ Instagram – mysssph
▪ Viber – MYSSSPH Updates
▪ Twitter – Social Security Sytem @ PHLSSS
▪ You Tube - Philippine Social Security System @ MYSSSPHILIPPINES
Question For loan payments not covered by PRN, can an employer still
submit the Loan Collection List (LCL) in excel format
downloaded from the SSS branch?
Yes, employer’s LCL may still be submitted thru USB over-the-
counter at any SSS Branch or thru online. This will cover
employer payments without PRN for applicable months prior to
Answer PRN implementation up to applicable month of December 2020
only.

Starting with the applicable month of January 2021 with

payment due date on 28 February 2021, PRN for loans shall be
strictly implemented for all loan payments.
Question
For employers with application for installment and with
submitted Post Dated Checks (PDC) to their Account
Management Section, Branch or Large Accounts Department,
can they use the PRN?

Yes. Employer to “Create new LCL” thru their My.SSS account

and generate PRN. The total amount to be paid in the LCL must
Answer be equal to the PDC amount.
BABALA SA PUBLIKO!

✓ Siguruhin na tama at lehitimo ang SSS website o

social media accounts na pinupuntahan niyo.

✓ Huwag Maniwala, buksan o ikalat ang mga

"clickbait" posts tungkol sa pa-raffle o cash bonus
para sa mga SSS Members. Fake News ito.

✓ Mag-ingat sa mga online scammers o fixers na

diumano'y nag-aalok ng SSS-related services,
kapalit ng "transaction fee", tulad ng sumusunod:

• Pag-update ng member information through FB

Messenger;
• Pagkuha ng SS Number, UMID card, o Payment
Reference Number;
• Pag-apply sa Pension Loan Program; o
• iba pang serbisyo tulad ng pag-file o paglakad ng
claims.
End of presentation.
Thank you.