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Credit Cards Maybank Islamic MasterCard/PETRONAS Visa Ikhwan V3, Another Fantastic Cash Back Card

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ClarenceT
post Nov 23 2025, 09:08 AM

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QUOTE(Human Nature @ Nov 16 2025, 03:42 PM)
I made a payment yesterday to clear my spaylater directly. However, it appears in unbilled statement as shopeepay. How is this possible?

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QUOTE(kart @ Nov 17 2025, 03:27 PM)
I also encountered similar issue, when I made a payment to directly clear SPayLater Bill, without reloading ShopeePay ewallet.
Transaction Description during Secure2u approval: MY SHOPEE PAY LATER
Transaction Description shown in pending transaction in Maybank2u website: SPAYLATER REPAYMENT-EC KUALA LUMPUR 59200 000
Transaction Description shown in unbilled transaction in Maybank2u website: SHOPEEPAY KUALA LUMPUR MY
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QUOTE(blibala @ Nov 22 2025, 09:16 AM)
Missing CB is in today without reporting..

My yesterday payment to spaylater using ikhwan amex also posted as shopeepay now
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All of you just added the card details to "MY SHOPEE MARKETPLACE" recently?
Human Nature
post Nov 23 2025, 09:25 AM

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QUOTE(ClarenceT @ Nov 23 2025, 08:57 AM)
My testing results...
To be confirmed by others.

For those already saved the card details before, the description at 3D secure page is still "Seamoney" and posted description is "SPAYLATER".

For those just saved the card details to Shopee account, will see "MY SHOPEE MARKETPLACE" at approval page, when pay Spaylater will get "MY SHOPEE PAY LATER" at 3D secure page and the posted description is "SHOPEEPAY" (but MCC 5964 instead of 6540).

So DO NOT REMOVE card details from Shopee account!
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You might be right. This happened when the card was newly added to another shopee account. I suspected so too but since I have not made anymore payment to test, I can’t confirm.
blibala
post Nov 23 2025, 09:40 AM

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QUOTE(Human Nature @ Nov 23 2025, 09:25 AM)
You might be right. This happened when the card was newly added to another shopee account. I suspected so too but since I have not made anymore payment to test, I can’t confirm.
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it is random. i just made payment and it shows seamoney. i have multiple shopee accounts and never saved card

This post has been edited by blibala: Nov 23 2025, 09:41 AM
Human Nature
post Nov 23 2025, 09:43 AM

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QUOTE(blibala @ Nov 23 2025, 09:40 AM)
it is random. i just made payment and it shows seamoney. i have multiple shopee accounts and never saved card
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Meaning you key in card details all the time? Need to see if anyone with saved card getting the same issue or not.
blibala
post Nov 23 2025, 09:47 AM

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QUOTE(Human Nature @ Nov 23 2025, 09:43 AM)
Meaning you key in card details all the time? Need to see if anyone with saved card getting the same issue or not.
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yes. i always manual key in card detail during payment and never save any card detail. so it is random i believe. for the same transaction i tried 3 times until i see seamoney on the 3rd times
Human Nature
post Nov 23 2025, 10:06 AM

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QUOTE(blibala @ Nov 23 2025, 09:47 AM)
yes. i always manual key in card detail during payment and never save any card detail. so it is random i believe. for the same transaction i tried 3 times until i see seamoney on the 3rd times
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Good tips. Have to monitor the description at the approval page for the time being.
MGM
post Nov 23 2025, 11:21 AM

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QUOTE(Human Nature @ Nov 23 2025, 10:06 AM)
Good tips. Have to monitor the description at the approval page for the time being.
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So far what r d descriptions n which one is most likely ewallet?
Human Nature
post Nov 23 2025, 12:07 PM

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QUOTE(MGM @ Nov 23 2025, 11:21 AM)
So far what r d descriptions n which one is most likely ewallet?
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From clarence and blibala, seamoney is for spaylater.
Human Nature
post Nov 23 2025, 02:51 PM

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QUOTE(Human Nature @ Nov 23 2025, 09:25 AM)
You might be right. This happened when the card was newly added to another shopee account. I suspected so too but since I have not made anymore payment to test, I can’t confirm.
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I did some test to pay using this newly added card. All 3 attempt shows MY SHOPEE MARKETPLACE.
blibala
post Nov 23 2025, 03:18 PM

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QUOTE(Human Nature @ Nov 23 2025, 02:51 PM)
I did some test to pay using this newly added card. All 3 attempt shows MY SHOPEE MARKETPLACE.
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I just tried add card and make payment a min ago. It is seamoney..
Human Nature
post Nov 23 2025, 03:29 PM

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QUOTE(blibala @ Nov 23 2025, 03:18 PM)
I just tried add card and make payment a min ago. It is seamoney..
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means its very random
kart
post Nov 23 2025, 03:33 PM

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ClarenceT

I always manually type my card details, before making a payment to SPayLater. After the payment is completed, I will delete the saved card details.


QUOTE(ClarenceT @ Nov 23 2025, 08:57 AM)
For those just saved the card details to Shopee account, will see "MY SHOPEE MARKETPLACE" at approval page, when pay Spaylater will get "MY SHOPEE PAY LATER" at 3D secure page and the posted description is "SHOPEEPAY" (but MCC 5964 instead of 6540).
Ok, thank you for providing the MCC.


Since our SPayLater transactions with the description of SHOPEEPAY KUALA LUMPUR MY have the MCC of 5964, our SPayLater transactions should not be classified as e-wallet transactions.


QUOTE(blibala @ Nov 23 2025, 09:47 AM)
for the same transaction i tried 3 times until i see seamoney on the 3rd times
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Thank you for sharing your tip.


So, only when we see Seamoney during Secure2u approval, then we shall approve the transaction to pay SPayLater bill right?


If we see MY SHOPEE PAY LATER or any other merchant name during Secure2u approval, we should reject the transaction or let the Secure2u lapses without approval.

This post has been edited by kart: Nov 23 2025, 03:39 PM
ClarenceT
post Nov 23 2025, 03:50 PM

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QUOTE(kart @ Nov 23 2025, 03:33 PM)

Since our SPayLater transactions with the description of SHOPEEPAY KUALA LUMPUR MY have the MCC of 5964, our SPayLater transactions should not be classified as e-wallet transactions.

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Don't know how Maybank identify an "ewallet" transaction, can be by MCC or by keyword (eg "SHOPEEPAY").
Also. MCC can be changed by the Acquiring Bank anytime in the future. (I don't understand why Seamoney transaction is under MCC 5964, Direct Marketing - Catalog stores)
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