is paymaya legit and safe. All cellphone loads automatically get 5% discount when you buy it using PayMaya. is paymaya legit and safe

 
 All cellphone loads automatically get 5% discount when you buy it using PayMayais paymaya legit and safe  Yes same case for better rates

- Service charges range from 0%-10% - Loan amounts range from PhP 500 - 50,000. 3. If you're looking for a cool online casino that is legit and safe, It is definitely worth checking out! This online platform is licensed and regulated by the. Prior to pandemic, I’ve been using PayMaya na, siguro mga 2017 ata yun. My sim card got broken a month ago. ph. Also got lost funds na rin from Maya, my personal experience. Otherwise, if you did not perform the send money transaction on your activity list, please call our hotline (02) 8-845-7788, or toll-free *788. The PayMaya Enterprise is now Maya Business. You will receive a notification of the voucher redemption. ago. Select your desired disbursement methods and submit the application. ago. Sign up or log in to Maya Business Manager 2. In addition, VYBE lets you earn reward points which you. "Broadband is ‘life,’ especially during this time when many of us are staying safe at home. Using mobile wallets like GCash and PayMaya eliminates the need to carry cash or go through lengthy bank transfers, making it a preferred method for many online casino players.  If you. You can also expedite payments and send funds by the end of the day or even instantly. cards linked to. 00. 6% interest rate (4. This was last week and I haven’t received the amount yet. 4. 2. Alternatively, Arena Plus also supports e-wallet options like GCash and PayMaya. It’s everything and a bank. i am legit pissed na most of my relatives rely heavily sa western union instead of banks. ph vs PayMaya Comparison of Rates. PayMongo fee. There was even an agreement with the poseur customer that after the money has been transferred to the account, they will share in the proceeds of the fraudulent transaction. They will never bring your account back with a new number. for digital banking. The second way would be, you (1) have to call the PayMaya hotline service and request for change of number. WORST CUSTOMER SERVICE. com is a scam or a safe website, check if Paymaya. Other popular coins and tokens available for trading are Cardano (ADA), Chainlink (LINK), Uniswap (UNI), Solana (SOL. 5. PayMaya reserves the right to withdraw rewards or prizes to invalid accounts even if the user has already received the prize or benefit. The system takes approximately 20 minutes to calculate and process the unlocking once the criteria are met. The new user cashback reward is not. At a virtual event, PayMaya launched “PlayMaya,” which it described as a “fintech-first” innovation and a one-stop shop for gaming-related purchases. ago. Maya Business app, formerly PayMaya Negosyo, is a free business-in-a-box solution which allows you to earn extra income by just using your smartphone. You can use the app to make online purchases, buy games and applications for mobile or PC, pay bills or send money to your loved ones. 1 stars: “Full of scam refund money to customer with no reason and now. GCash e-Wallet 3. PayMaya enterprise. Link a Maya card to your wallet so you can shop, dine, and withdraw in over 200 destinations worldwide. ph. These are only for using PayMaya and other payment method players. It always pays to plan ahead. It is powered by a unique integrated financial services ecosystem that addresses the ever. 3). Save up while paying billsDownload GCash today so you can complete your errands without having to break quarantine! • Open to all networks. Make sure to include all details about how you were scammed, along with. • 3 yr. interest rate would look when Maya Savings is launched to the larger public though. I am a Paymaya user for over a year now and overall? It's not that bad. in less than 5 seconds nakukuha ko na yung money sa Paymaya ko without any issues. We are happy to provide PLDT Home subscribers with convenience plus rewards through the most reliable e-wallet app," Pepe Torres, chief marketing officer for PayMaya, said. PayMaya, a safe and fast transaction tool. Here’s how: On iPhone, Long-press an app, then tap Remove App > Delete App. Tap the Menu icon (top left). Toll Free: 1800-1084-57788. Only you should be able to have constant and secure access to your financial information, so come up with safe ways to remind yourself of your credentials. 5% interest daily for up to 5,000,000php then the rest will fall to 1. Log-in your PayMaya app. Once you’re on the dashboard of your app, click the menu button at the upper left corner of the app. GCash issued the statement after Paymaya rebranded into Maya earlier this month and put the spotlight on additional services in its platform, including crypto trading and its fully digital Maya Bank. For existing PayMaya users, update your app to Maya Maya Customer Hotline: (+632) 8845-7788 Domestic Toll-Free: 1-800-1084-57788 Mobile: Dial *788 using your Smart mobile phone. Still better option than other banks i guess. for digital banking. PAYMAYA Philippines is registered with the Securities and Exchange Commission (SEC) and is licensed to operate as a lending institution. Other Payment Options: Pay through Landbank LinkBiz Portal website 4. ----Canada Grabpay. It's questionable why Paypal just didn't mention they don't support Paymaya anymore, nor was it stated publically anywhere. I pay cashless when I can. Registering in Gcash is similar to opening a Maya account. The court order mention would be a supporting document for paymaya together with valid ID's and proof of transactions about the said scammer. TheAwesomeBastard. Each survey varies in the minutes needed to answer them. Need Help? support@maya. GCash will not refund any amount from scam transactions. SEND MONEY IN REAL TIME. Select PayMaya or Smart Money, depending on. P395 x 4 months = P1,580. Business overview. CD keys currently has the best price. Business overview. In an emergency, the app offers quick and easy access to money. ”. Been using Paymaya for 2 years, and been using it to withdraw from Paypal but I haven't had any problems naman. Even if you plan to withdraw money in your destination, it’s still a good idea to bring some cash just in case something happens. Binance has the lowest tx fees (along with gate. Select Using New Card if you haven’t saved any card yet. Customer Service: 09668651730, 09158083137 (Monday-Sunday/ 9am-6pm) Email: [email protected] of end-2017, PayMaya reported eight million users across its various services. PayMaya has also made sure that buying from casual sellers who are also PayMaya users is easy and safe – with the introduction of PayMaya Verified Sellers. Make sure that the details in the body of the email are correct. These are safe and you can use GCash for any purpose you have in mind. Please use Gcash to make transactions. INVEST . ph. From 9am to 6pm. With LexisNexis® Risk Solutions, PayMaya is able to provide Filipinos, particularly the unbanked and underserved, with a safe, eficient, online payment. There are a lot of benefits in using Maya Business app (formerly PayMaya Negosyo): Increased sales: Offer additional services such as remittance, prepaid load, bills payment and Maya (formerly PayMaya) Cash In! You can also accept payments from millions of Maya customers and other BSP-supervised financial institutions through any. You can still earn money with PayMaya by referring others. Get instant 50 pesos when you use this code: 5J8D1VMXL31YRegister here: MORE 💲💲💲 Extra Income here:• Free P50 (Gcash) af. We explain why betkubi. Consumers say: The maya app are like a scamer they close my account and ather user with out further notice, SCAM APP, Cant cash in from remitance western union. You can link BPI online to Paymaya. This is another legit paid survey platform where you can earn real money! With Triaba, they promise an average of ₱3. PayMaya has announced its Verified Sellers program for safer transactions between buyers and sellers using the PayMaya app. Safe and convenient Several methods to receive money No collateral needed We only require 1 valid ID, around 10 types of cards are acceptable Minimal fees and/or charges Transparent transaction from application to repayment You can monitor your account 24/7 We don’t tolerate harassment Bigger offer for users with good credit history Product. Low-income individuals that require. Corporate Name: TREASURE BOWL FINTECH LENDING CORP. 3. It meets your needs for safe and hassle-free financial transactions using your cell phone. With our fresh new look and supercharged experience, Maya is your go-to money app that lets you save, spend,. No, paymaya. 00 = Php 1,020. E-Wallet / Digital-Bank. Just search. Supports Visa, JCB, MasterCard, Maya, GCash and WeChat. This helps especially if you manage many accounts. Panalo999 is formed by a group of passionate casino players, with the goal of providing the best gaming experience for Filipino bettors, by betting and playing on hundreds of sites, finally we know how to bring the best betting experience to you. Once that’s done, just complete any of the following: Use the load e-wallet service in your BPI, BDO, or RCBC app to send P500 or more to your Maya Wallet. 50 – ₱91 per survey you complete. PayMaya is currently rolling out the feature progressively to its base. Pay using PayMaya/GCash E-wallet 2. 1800 1084 57788 toll-free. Facebook Page. BOTTOM LINE. One of the main reasons Filipinos sign-up for a PayPal account is because it's an easy way of accepting credit card payments from customers and clients. Later that night, I had a trail of emails about multiple funds transfers I was completely unaware of. Unlock Ancient Wisdom And Gain The Edge. ph. 1. They are different from Kinguin and G2A. If you are asking is PayMaya lending corporation Philippines legit, you can be sure that the. A savings account is arguably the most convenient and safe place to park your money. Second, you can collect puzzle pieces on the app to make extra points. QR more than a code. Select the voucher you want to redeem under “Available” and tap “Claim”. Get Access To Blocked Website. - Annual Percentage Rate (APR) of our installment plans ranges from 0% to 41. 5% sa Paymongo for gcash and 2% lang sa Paymaya. Benefits of PayMaya. You can treat your goal as a savings account. and Maya Bank, Inc. Did you find this article helpful? Last Updated: May 22, 2022: Viewed 480 times: 3 found this article helpful: Last Updated: May 22, 2022. collection and other legitimate purposes. Scammers are just as likely to use psychology to steal your data as they are to use technology. Maya is a convenient platform to use for payments and money transfers, and you should consider taking a few quick precautions to keep your account safe and secure. Like PayMaya, there are many legit online casinos using GCash for deposits and. Put some in Maya, put some in Gcash. 1 Tap on the order Maya card button on the app. Design a fully branded checkout with customizable CSS-level styling. Gumroad has a rating of 3. Stay safe and protected with Maya. 5/100. 1800 1084 57788 toll-free. Even with the new Maya app I can't log in even with a new device. It has received a digital banking license from the Bangko Sentral ng Pilipinas (BSP) to establish digital. Mas mataas lang ng konti ung rates nila. 5% sa Paymongo for gcash and 2% lang sa Paymaya. Scale your business faster with the. 5% boost upon completion of missions): Yes, 6% interest rate ni Maya sa savings hanggang 30 November 2022, given that boosted po siya as a reward for completing missions or paying through Maya. The Maya savings account is similar to GCash GSave, Diskartech, Tonik and other digital banks/wallets. Report the incident within GCash. 88%. No, pero mas ma-maximize mo siya kung meron. Rate comparison was done on April 19, 2022. Need Help? support@maya. I can say that this is not easy money, it really takes hard work and determination, because with Paymath I can buy everything I want, and I can help with household expenses, especially bills. 00 to BTC and the same amount back to Philippine Peso. 5% service charge per transaction. All fees are VAT‑inclusive. Paymaya - No idea GCash - No idea Reed - No idea Reply reply. For us to help you efficiently, please share the complete details of your concern and we’ll address it within 10 working days. 5. and Maya Bank, Inc. Need Help? support@maya. That’s it! Personalize your Maya card with @username. For existing Maya users,. Jiliace Casino offers its players a number of safe and secure payment methods adapted to the local market. Loan approved within 1 minute and money disbursed instantly. Here are the following services and features available in Maya Business app (formerly PayMaya Negosyo): Smart Padala – process remittance transactions using the app (you must have an upgraded account to offer this service) Send Money to Bank – process your customer’s request to send money to select banks such as AUB,. The interest rate on its. account number). So throughout that four-month period, you can passively earn up to P1,580. Remember that even legitimate businesses. Long story short, when you linked your sim card into PayMaya and that sim card got broken, your PayMaya account is good as dead. Everybody wants to be No. Please like. While PayMaya allows you to make cashless transactions at convenience stores, payment centers, and pawnshops, you can also choose to have a physical card that you can tap on payWave terminals or swipe on POS terminals. And Maya is now a full-fledged bank. Buy, sell, and trade. Really convinced there is a massive data breach/selling of personal data within GCash or Paymaya since I don’t use my full name in socmed and used a pseudonym on those contact tracing forms. You can buy cellphone load for Smart, Globe, TNT, TM, and DITO ranging from ₱5 to ₱1,000, as well as prepaid promos. Enjoy the strongest internet connections plus free cashback when you pay your PLDT Home via PayMaya. Made with Framer. With the Maya Business, all types of businesses will grow in bolder directions through. PayMaya has also made sure that buying from casual sellers who are also PayMaya users is easy and safe – with the introduction of PayMaya Verified Sellers. Just set your Nintendo account on Argentina. Complete your registration by following these steps: 1. What’s new. PayMongo simplifies it all, from payment acceptance to tracking, managing, and analyzing your finances. 1. With this, it is easier to know if the casual seller you are paying is legit! "More Filipinos are now enjoying the convenience of online shopping using PayMaya. Surely, they are top 2 in the finance category (Free, obviously) I've been making transactions with them from the smallest amounts to the 1k range and sometimes they do stutter due to server issues and stuff but one or two refreshes like closing the app's task, you can. PayMaya: It uses mobile number and a legit/full ASCII password as well as OTP Other app wallets I use: >Tonik: Will use this once i reach my target savings amount sa Maya; Savings ko din siya though, i've also been considering using GOThyme, seems good. Have peace of mind every day with Maya by following these tips to keeping your account information secure and private. Here are some of the most popular alternatives. Maraming beses ako tumawag to follow up and almost everytime ang sinasabi lang sakin ieescalate. Sa Gcash may 2% charge when you cash in for amounts > P100. nalang lalabas pero nakalagay parin na ‘verified’ yung account kaya may sense of confidence ka parin na hindi scamPayMaya reserves the right to cancel or withdraw cashbacks to accounts with suspected invalid transactions even if the user has already received or redeemed the cashback. Na scam ako ₱2,700. And then, register your number. for digital banking. Reviews and Complains. PHLWin offers a wide variety of games. open your PayMaya app and log in to your account. Maya is powered by the country's only end-to-end digital payments company Maya Philippines, Inc. I used Maya Bank as the receiver and filled in my number as the account number. ago. Revolutionary-96Well. 7. Confirmation page will show the total amount to be deducted in your credit or debit card. Bigla nalang nag offline yung ka transact ko. Customer pays via credit or debit cards. Business overview PayMaya is one of the Philippines’ premier e-wallet companies. Need Help? [email protected]% service charge per transaction. These findings are corroborated by a Unisys APAC Banking Insights survey, in which 53% of Filipino respondents said. As a new launched product, we are providing the service to pre-credit PayMaya accounts. With PayMaya now Maya, an all-in-one money app – it’s all you’ll ever need for your financial. Be updated with promos so you can take advantage. 4. Maya is the e-wallet formerly known as PayMaya. These scams are designed specifically to steal your information and convince you that you've won a prize or contest. These accounts are also interest-bearing, which gives you the opportunity to passively earn from the interest rates they. PayMaya solves this key pain point by giving you easy access to hundreds of guaranteed legit brands straight from your app, with Maya Mall. Go to the cashier section of your chosen online casino and select PayMaya as your payment method. As for Gcash and Maya yes they are generally safe since these are big institutions and your deposits are covered up to 500k by PDIC. INFORMATION ABOUT THE COST OF YOUR INSTALLMENT PLAN: - Monthly interest rate ranges from 0% to 3. 3. PayMaya reserves the right to refuse the awarding of rewards or prizes to accounts that are suspected to be invalid or fraudulent (i. For existing PayMaya users, update your app to Maya Maya Customer Hotline: (+632) 8845-7788 Domestic Toll-Free: 1-800-1084-57788 Mobile: Dial *788 using your Smart mobile phone. While PayPal is free, the Payoneer Mastercard will cost you $29. Check if Paymaya. The. 7. For deposits, Filipino residents can choose from such popular options as GrabPay, PayMaya, GCash and bank transfer. PayMaya was what I used for online payment needs before I had my first CC, I had no issues then, it was a huge upgrade in usability and features from when I used prepaid cards from some bank. 2. Turns out SAP ABAP (back-end) and late mid shift yung. Maya is powered by end-to-end digital payments company, PayMaya Philippines, and Maya Bank for digital banking services. PayMaya Enterprise is the first digital suite of emerging. ph vs PayMaya Comparison of Rates. BPI literally sent me a notif yesterday. support@maya. PayMaya was rebranded to Maya. For existing PayMaya users, update your app to Maya. In an emergency, the app offers quick and easy access to money. There’s something about Maya. 0. ) or that website has been hacked, your paymaya balance can be compromised. Eligible users can only avail of the new user cashback reward once (1x) during the entire promo duration. So I called their customer care service to have my number changed. The percentage of Filipinos using digital banks has significantly increased over the past few years. Maya – all-in-one digital bank is very safe to use. for digital banking. " - From Voyager's Innovation Inc. If you're looking for a cool online casino that is legit and safe, It is definitely worth checking out! This online platform is licensed and regulated by the. Abnormality of PayMaya: Currently, due to the abnormality of PayMaya, any transaction using PayMaya cannot be made at this time. No need to memorize 11 digit numbers. Enter your PayMaya virtual card (on the app) or the physical PayMaya Visa card). For existing PayMaya users, update your app to Maya Maya Customer Hotline: (+632) 8845-7788 Domestic Toll-Free: 1-800-1084-57788 Mobile: Dial *788 using your Smart mobile phone. [email protected] the comfort of you homes, just open the PayMaya app, and then purchase a prepaid load at your desired amount. support@maya. Register an account using your mobile number. Download from App Store or Google Play. For existing PayMaya users, update your app to Maya Maya Customer Hotline: (+632) 8845-7788 Domestic Toll-Free: 1-800-1084-57788 Mobile: Dial *788. the process for the pencil is smooth since they have stock so yeah nabawasan na lang yung money ko sa account the moment na ishiship na siya nov 28 ako nag order then dec 2 na complete yung process sa bayad and it was delivered 1 week before the actual date but the ipad 8th is still. Tap ‘Chat with us’. Payment method. On this page, you'll find a review, see alternative legitimate products/services and get to know what you can do if you already lost money. Here’s a step-by-step guide: Download the PayMaya app from the App Store or Google Play Store. nah. Step3: Entering verification code. Faking a PayPal balance isn't a scam by itself, but it can serve as the basis for various scams. They'll send you an SMS or you can check the PayMaya app. For existing PayMaya users, update your app to Maya Maya Customer Hotline: (+632) 8845-7788 Domestic Toll-Free: 1-800-1084-57788 Mobile: Dial *788. Been using Paymaya for 2 years, and been using it to withdraw from Paypal but I haven't had any problems naman. I tried my PayMaya (virtual card) and after 15 days nareverse yung payment ko plus dineactivate ni PayMaya yung VC ko : (. Also, don’t forget to attach the dispute form and screenshots of the unauthorized transactions. Receive your settlement in one to two business days. If you’re concerned about the security of your online accounts, here are 12 tips that will help keep them safe. Now, the new features will give you business opportunities to earn more! FEATURES: • [NEW] Buy Smart Load: Top-up your Smart load wallet using your. But when I checked my paymaya di parin siya. For existing PayMaya users, update your app to Maya Maya Customer Hotline: (+632) 8845-7788 Domestic Toll-Free: 1-800-1084-57788 Mobile: Dial *788 using your Smart mobile phone. Jan 11, 2021 05:02 AM. A “CashniJuan” is a form of payday loan offered on the app, and it is really simple! You must first register as a PayMaya account holder before you may apply for a loan. Fill in all the personal information required. On this page, you'll find a review, see alternative legitimate products/services and get to know what you can do if you already lost money. Since I have a PayMaya Visa debit card, I can go to a grocery store and swipe my card to pay some grocery items. com is legit, read other customer reviews, discussions and complaints. 13arricade. Pbm. It is anticipated that by the end of 2021, growth rate would again exceed 100%! Hence, using PayMaya is a no brainer in terms of nationwide use. PayMaya was already known for being a one-stop shop for many services – transferring money, paying bills, buying load, it even had its own online mall where you. Garlic-Recent. Double check the card-reader or the keypad first before inserting your card to any machine. Yes same case for better rates. Now, you can easily check if the. Now, you can easily check if the seller you’re paying is legit – all you have to do is check for the Verified Seller badge on the app’s confirmation screen right before you pay. Low-income individuals that. Of course, no system is perfect and you should always. PayMaya e-Wallet option 2 2. In a sense, it’s your own bank account within the PayMaya app. PayPal. Our customer support team may ask for information to prove your identity and ownership of account. 5. Dragonpay. Exact same dilemna. Maya also offers Maya Business (formerly PayMaya Enterprise), where you can accept payments online, in-store, mobile, invoice, or through. The PDIC also ensures depositors’ money at Maya Bank, up to P500,000 per depositor. If you like the idea of PayMaya casinos but want to review the alternatives, there are plenty. That’s it!More legit than digits. CashNiJuan is a pure credit small cash loan issued by our company to limited eligible customers for personal daily consumption and needs. Tap Delete to confirm. Put some in Maya, put some in Gcash. Need advice? Report scams Check Scamadviser!Melio is a business payment platform that simplifies the way businesses pay their vendors & contractors—in and outside the U. Bayad — Rebate of 1 peso per 1 transaction, any amount. Maya is powered by the country's only end-to-end digital payments company Maya Philippines, Inc. Then Pandemic came, mostly ng establishments at local store nag Gcash, kaya nag gcash na din ako. paymaya. It allows users to easily save money without opening a bank account. Ibig sabihin kung magkanong vbucks ang bibilhin mo ganun din mismo ang gagastusin mo. com is online shop. For us to help you efficiently, please share the complete details of your concern and we’ll address it within 10 working days. He challenged the communists front organizations to return the money collected or give them to Tamano and Castro or to their parents who suffered more from false narratives. arrow_forward. I used paymaya to purchased my apple pencil and ipad 8th gen. Digital banks also offer higher interest rates, more monetary control, and. daily interest rate the more they do wallet transactions. Kumakabog ang online bingo hindi mo na kailangan pumunta pa sa mga bingo outlet at hindi lang yan may iba pang games na pwede mong laruinMaya formerly PayMaya is a financial services app under Smart Communications. Cash in P500 or more from your linked bank account. Cash in P500 or more via InstaPay bank transfer. You can also ask PayPal to tag your PayMaya debit card (online or physical) as long as it is Visa. Disclaimer: I do not promote borrowing. With over 8 million active users, this free digital payment app makes online transactions secure and hassle-free. Don’t pay online with PayMaya. INVEST . [email protected] Casino is a popular online casino that allows players to deposit using GCash and PayMaya. It was dual purpose: I thought it looked cool and kept my wallet safe at the same time. Paymaya — Instant 5% rebate on each load amount. Cash in P500 or more from your linked bank account. Online shopping through PayMaya is safe and secure. Php 1,000 will be credited to your Maya account and the. maganda na naglalagay sila ng means to bank via cimb and invest na din na legit at abot kaya. Open your PayMaya app with a fully registered profile. About this app. The Customer Protect program is our promise that you will not be held liable for unauthorized transactions made from your account. Click here to learn more. Gumroad has a rating of 3. Users can send money, pay bills online, buy cryptocurrency, shop online, and more with this all-in-one financial software. The sages of the Rivalry Academy walk you through a free crash course in all things betting. Paano gumawa ng Paymaya account: 1. For sellers, this badge from PayMaya is a stamp of approval – a way to let consumers know that they are legitimate and trustworthy businesses that have passed the financial institution's rigorous background check. Get a Maya card. Only you should be able to have constant and secure access to your financial information, so come up with safe ways to remind yourself of your credentials. Reduce friction and simplify compliance with built-in logic. Approximately 54% own a formal financial account, with e-wallet. For a more detailed FAQs about our different Products and Services and their related transactions, you may click on any of the links below: Cash In. With the recent upgrades and news from both popular e-wallets, below is a sample comparison of their rates if a user converts ₱500. May 28, 2022. PayMaya latest version: An e-wallet and third-party payment app. Play now. Many online casino Philippines sites have adopted PayMaya as a payment processor, making the rise of online casino PayMaya platforms more prevalent. Verify the details you have provided and then click on Receive on the Confirmation screen. Reviewers satisfied with Gumroad most frequently mention digital products. It has over 200,000 touchpoints nationwide, consisting of 39,000 Smart Padala agents and 165,000. Is PayMaya legit and safe? PayMaya employs the latest security technologies to protect both individual users and merchants, ensuring that every transaction is safe and secure. Should a qualified transaction be cancelled or declined, whether the cancellation is customer- or biller-initiated, PayMaya reserves the right to withdraw the cashback or. Although may mga tasks ka pa na gagawin to maintain that 6. . PayMaya has also made sure that buying from casual sellers who are also PayMaya users is easy and safe – with the introduction of PayMaya Verified Sellers. ago. The PayMaya app is now the Maya app, the all-in-one money app for every Filipino. Enter your recipient’s Mobile Number or press the + sign to search your phone contacts. Its objective is to assist Filipinos in getting through tough financial times when they most need financial assistance. A “CashniJuan” is a form of payday loan offered on the app, and it is really simple! You must first register as a PayMaya account holder before you may apply for a loan.