1) Even if having multiple of the same cards is a concern; you still need biometric authentication or a passcode before payment. It’s not like a physical card that you can steal and use the contactless function without verification.
2) Any wave transaction above RM250 needs a PIN anyway, it’s literally like your bank card but on your iPhone. Apple Pay still needs verification before payment.
3) Apple is not the card issuer, it’s just merely a platform to host the digital cards. The bank works with Apple and it’s responsible for the default limit and consumers have the option to increase it.

Even if the thief has the user’s biometric or passcode (at this point, if the user has reach this far; they really suck at securing their own iPhone) its the user’s responsibility to contact the bank about the stolen card and erase their stolen iPhone’s data via iCloud.

Is waving your phone over the card terminal not seamless enough for some?

It will be really fucked up if Apple Pay was cockblocked because some boomer doesn’t understand modern consumer electronics.

Like seriously, please have some tech savvy BNM officials approve it. Like it would really suck if this is the current situation.

This post has been edited by The1stHumanBeing: Jan 27 2022, 04:21 PM

On my Apple Watch 7 it shows “Wallet and Apple Pay” after the latest update to watchOS8.4 but not on my iPhone

Yet to update my iPhone to iOS 15.3 and watchOS 8.4. Maybe why it shows Apple Pay on your Apple Watch is because the developers forgot to turn it off for unsupported countries like back with iOS 13.6 for Malaysia.
https://sea.mashable.com/tech/11723/apple-p...ued-cards?amp=1

The card issuer that needs to impose any limit not apple pay. Apple pay merely a platform to use physical card in electronic form 🤷
All those things are similar with samsung pay that have been introduced in Malaysia for ages, nothing new

Appreciate your long post bro but I am well aware of how it works having used it in the UK since it was released there. I’m merely stating the roadblock that AP is facing in Malaysia

Yes but I’m told the current policy is 1 card 1 DPAN. Any further will require an exemption which Samsung pay may have gotten

Google pay seems abit more robust. Using both, but much prefer Google.

Samsung also got Watch which they can also use Samsung Pay on it.... which is like similar to AP. I really think now is that SP got some special privilege to be granted conditional approval.

Yeah I know, things take time and need to be regulated. That would be valid if this was their first time with this type of technology. What’s frustrating is that BNM approved Samsung Pay a while back which also faced similar challenges like what you’re saying about Apple Pay. Hope that those officials see that allowing NFC wallets allows consumers to always have their card to spend wherever they need with a terminal.

Anyone manage to add Wise debit card to Apple Pay?

malaysia issued one?
not for AP

For Malaysian issued, no support yet.
Unless you convert Malaysia to Singapore then yes.

Thanks!

How do you convert to Singapore for Malaysian issued?

I believe your starting acc must be already in SG and when you apply for the card must already be SG only the card is able to be added into AP.

For those interested in getting SG wise card, you HAVE TO HAVE a legit SG residential address tied with your name (proof of document) only can sign up SG region Wise account. If not, you CANNOT sign up Wise SG region account.

You have to go to Wise settings, not your iOS settings. Then select Singapore as your country.

Account > Settings > Account Actions > Personal Details > Country

Do note, once you switch to Malaysia to Singapore you have to do another round of verification, if you use your Malaysian NRIC to verify your account. You will need your Passport and Proof of Address (SG utility bill or bank statement not MY). Some have managed to get the Singapore account with their MY details but I’m unsure of the legality of doing so, do it at your own risk.

Also once you switch to Singapore, you can’t manually switch it back to Malaysia. You have to contact Wise’s CS to do it for you. Getting Apple Pay has some trade offs, example you cannot top up your account with MYR as you use an SG account unless you have Singapore banking privileges you can’t top up directly with your Malaysian bank, unless you use BigPay to transfer MYR to SGD to your Wise SGD balance (still I wouldn’t advise to change as you have to still pay some fees to convert your SGD to MYR in Wise). You would also lose your MYR account details with JP Morgan Chase. Overall, in my opinion I don’t recommend but you do you.

This post has been edited by The1stHumanBeing: Jan 30 2022, 05:51 PM

Twitter.

Idk izzit the account holder following our thread of he/she really got info from BxM itself.

But no one here saying bxm giving a green light tho

He mentioned green light from BxM.
But in this thread, no one mentioned BxM give green light
I believe it might be his own info

If it is true, would people starting to change their habits on payment methods?

I am the kind of people don't like to use eWallet.

I do see ppl that fed up with eWallet, don’t use eWallet anymore. Personally, I hate using them but I have no choice if they don’t accept CC. Why?
1) unlock phone
2) find the app
3) every app diff layout - find the scan or QR button
4) if no money? Need to reload, extra steps.
5) show QR or scan QR (this one wahhh I see most ppl [certain group of ppl la yeah] DIE DIE want to put QR in the screen’s shown box or DIE DIE wan to twist and turn the QR/phone so it’s “readable”)
6) tap amount in
7) promo code n vouchers
8) pay. Some require pulak pin or bio auth.
9) wait… see ur wifi or data strong or not lo
10) paid or error.

Bloody hell so many steps for 1 payment. Yes, I know we can cut down steps 1-4/5 by opening up the app first but it still takes farking long time to just do 1 simple transaction. Let’s not say AP. Normal CC or DC would only go like this:
1) take card out
2) wave or pin
3) if pin, enter ur pin lo
4) wait…
5) paid or error.

See? So much easier. Now see AP and SP.
1) take phone out
2) biometric or pin
3) wave
4) if more, enter pin on terminal
5) wait
6) paid or error.

Extra 1 step only but there’s higher chance the phone is already in ur hands. Better yet, AW is already on ur wrist.

Will ppl chg habit? Points n rewards chasers wont leave certain eWallets cos they offer better rewards. But mostly, general Apple users are more “savvy” and wanna show “ada gaya” so, yes to ur question and I’ll be one of them.