i havetechnically SMART MONEY isa Prepaid DEBIT CARD like other DEBIT CARDs available from bankswhat you need to do is get a SMART MONEY CARD or any other PREPAIDE MONEY/DEBIT CARD from banks like BPI and PSBankput Money on the cardregister the card with your Google Wallet Account(set up using your Google Account)then buy what you want to buythe difference:Credit Card = Buy Now - Pay laterDebit Card = Load Now - Buy laternote kung smart money card you need to pay P2.50 every time you use then card kasi you need to authorize the card everytime you use it for Online Transaction GARAPAL SA PERA ang Smart kasi its only authorized to be used for a set period of time untill it Automatically De-Authorizes itself at di sya magamit so you need to AUthorize again