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e-Wallet Wechat Pay (MY) Discussion Thread V1, Officially launched!

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TSxperiaDROID
post Aug 2 2018, 02:37 PM

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QUOTE(Reventon @ Aug 2 2018, 02:28 PM)
Today notice the angpao feature was enabled. Nice.
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Same here.
fruitie
post Aug 2 2018, 03:18 PM

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QUOTE(touristking @ Aug 2 2018, 02:37 PM)
China wallet question. Can you do online transfer from a China bank account to your China wallet?
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According to my best friend in China, she said cannot. Need to link to a card, either ATM card, debit card or credit card.
ATM and debit card can transfer money and give angpau but credit card cannot.
Credit card can only be used for expenses.

This post has been edited by fruitie: Aug 2 2018, 03:20 PM
touristking
post Aug 2 2018, 03:28 PM

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QUOTE(fruitie @ Aug 2 2018, 08:18 AM)
According to my best friend in China, she said cannot. Need to link to a card, either ATM card, debit card or credit card.
ATM and debit card can transfer money and give angpau but credit card cannot.
Credit card can only be used for expenses.
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Thanks

But isn't transferring money and expenses or spending money the same thing?
fruitie
post Aug 2 2018, 03:29 PM

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QUOTE(touristking @ Aug 2 2018, 03:28 PM)
Thanks

But isn't transferring money and expenses or spending money the same thing?
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No. Transferring money is among WeChat users like your friends and etc.
Expenses is for merchants and bills payments, Didi (e-hailing), train tickets for e.g.
touristking
post Aug 2 2018, 04:01 PM

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QUOTE(fruitie @ Aug 2 2018, 08:29 AM)
No. Transferring money is among WeChat users like your friends and etc.
Expenses is for merchants and bills payments, Didi (e-hailing), train tickets for e.g.
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Now I am confused. Please clarify...

You mean, in China if I want to use Wechat China Wallet to buy stuff from China merchants and pay Didi, I need to link a China Credit Card to my Wechat China wallet? And a China ATM card will not do?

And I also can't use my Wechat Msia Wallet to pay China merchants and Didi while in China?




leonhang
post Aug 2 2018, 04:15 PM

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QUOTE(touristking @ Aug 2 2018, 04:01 PM)
Now I am confused. Please clarify...

You mean, in China if I want to use Wechat China Wallet to buy stuff from China merchants and pay Didi, I need to link a China Credit Card to my Wechat China wallet? And a China ATM card will not do?

And I also can't use my Wechat Msia Wallet to pay China merchants and Didi while in China?
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I could only answer this, yes your Wechat RM Wallet is incompatible with Wechat RMB Wallet (at least for now)
fruitie
post Aug 2 2018, 04:17 PM

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QUOTE(touristking @ Aug 2 2018, 04:01 PM)
Now I am confused. Please clarify...

You mean, in China if I want to use Wechat China Wallet to buy stuff from China merchants and pay Didi, I need to link a China Credit Card to my Wechat China wallet? And a China ATM card will not do?

And I also can't use my Wechat Msia Wallet to pay China merchants and Didi while in China?
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Can. All can be used to pay - ATM cards, debit cards and credit cards. Only if you want to transfer money to your friends and give angpau, you need to link an ATM card or debit card.

No. You cannot use Malaysia wallet to pay China merchants in China.


This post has been edited by fruitie: Aug 2 2018, 04:18 PM
touristking
post Aug 2 2018, 04:29 PM

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QUOTE(fruitie @ Aug 2 2018, 09:17 AM)
Can. All can be used to pay - ATM cards, debit cards and credit cards. Only if you want to transfer money to your friends and give angpau, you need to link an ATM card or debit card.

No. You cannot use Malaysia wallet to pay China merchants in China.

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Looks like this Wechat is only useful if going to China.

And going to China more or less must have Wechat.

May be time to have a look at Alipay?

fruitie
post Aug 2 2018, 04:34 PM

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QUOTE(touristking @ Aug 2 2018, 04:29 PM)
Looks like this Wechat is only useful if going to China.

And going to China more or less must have Wechat.

May be time to have a look at Alipay?
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Yes, it is useful to use in China.

AliPay is the same, you will need to be verified (using passport for foreigners) to receive and transfer fund to other users. You cannot reload your wallet unless you link to a China bank account.

Now I have both WeChat Wallet China and AliPay to use in China and previously I had issue with AliPay to receive fund from other users. So I was using only WeChat wallet. To me, I can still survive with either one because the places I went have both available. Now will be better for me because I can use both now. smile.gif
touristking
post Aug 2 2018, 05:17 PM

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QUOTE(fruitie @ Aug 2 2018, 09:34 AM)
Yes, it is useful to use in China.

AliPay is the same, you will need to be verified (using passport for foreigners) to receive and transfer fund to other users. You cannot reload your wallet unless you link to a China bank account.

Now I have both WeChat Wallet China and AliPay to use in China and previously I had issue with AliPay to receive fund from other users. So I was using only WeChat wallet. To me, I can still survive with either one because the places I went have both available. Now will be better for me because I can use both now. smile.gif
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The important question is, does Alipay insist you have a China mobile number like Wechat is?

fruitie
post Aug 2 2018, 05:33 PM

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QUOTE(touristking @ Aug 2 2018, 05:17 PM)
The important question is, does Alipay insist you have a China mobile number like Wechat is?
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I am using Malaysia no., again I'm not sure now. I got these two accounts since 2013.
eddie2020
post Aug 2 2018, 08:05 PM

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do top up using wechat wallet is what terminal mcc?
Possible to get CB with CC topup ?
Sumofwhich
post Aug 2 2018, 08:37 PM

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QUOTE(eddie2020 @ Aug 2 2018, 08:05 PM)
do top up using wechat wallet is what terminal mcc?
Possible to get CB with CC topup ?
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can only top up using debit card, credit card not allowed, 0 withdrawal charges is too good to be true if can use credit card to top up hahah
Sumofwhich
post Aug 2 2018, 08:38 PM

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anyone knows if top up WechatPay using OCBC 360 debit card is counted as RM500 debit card transaction for the 1.2%?
eddie2020
post Aug 2 2018, 08:49 PM

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QUOTE(Sumofwhich @ Aug 2 2018, 08:37 PM)
can only top up using debit card, credit card not allowed, 0 withdrawal charges is too good to be true if can use credit card to top up hahah
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no wonder i keep add cc i get error.... not malaysia issued card something...
but debit card got 0.2% lolz... top up 10k with debit n withdraw, 1 round rm20

fruitie
post Aug 2 2018, 08:54 PM

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QUOTE(eddie2020 @ Aug 2 2018, 08:05 PM)
do top up using wechat wallet is what terminal mcc?
Possible to get CB with CC topup ?
*
You cannot even add a credit card. smile.gif
Sumofwhich
post Aug 2 2018, 09:01 PM

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QUOTE(eddie2020 @ Aug 2 2018, 08:49 PM)
no wonder i keep add cc i get error.... not malaysia issued card something...
but debit card got 0.2% lolz... top up 10k with debit n withdraw, 1 round rm20
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which debit card get 0.2% rebate? Or are you mentioning charges? No charges for withdrawal cool2.gif
vinn
post Aug 2 2018, 09:08 PM

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Can this ewallet pay in rmb?
fruitie
post Aug 2 2018, 09:11 PM

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QUOTE(vinn @ Aug 2 2018, 09:08 PM)
Can this ewallet pay in rmb?
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You need China wallet.
eddie2020
post Aug 2 2018, 10:54 PM

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QUOTE(Sumofwhich @ Aug 2 2018, 09:01 PM)
which debit card get 0.2% rebate? Or are you mentioning charges? No charges for withdrawal  cool2.gif
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if not mistaken i read it somewhere before... but wechat got caps... i try to search around lol

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