just wanted to ask, any try the AA Exchange point and merge points from two phone?

Welcome to my world i been a spay user since their launch last year.

So here are my tips for you.

Do not honor usually is your bank block your card certain bank have a certain limit before you need to use physical card to reset. The best card i used to date is maybank havent seen the do not honor message before.

When you make payment you dont tell them samsung pay instead you ask them can pay by credit card or can use paywave?

Answer yes let them trigger and tap.
Scenario 2 when ask for card i said i use phone i tell them

1) trigger the usual way
2) press f2 then key amount and i will tap
3) i ask them can let me try? If No usually depend on my mood if try fail i pay cash but if like want argue with me i tell them i dont want the item walk out.

4) i tell them this is same as credit card but instead it just use through phone and ask them to let me try. I show them my phone screen want collect points. Ask them not convince please google samsung pay.

Usually those dont let you try maybe the way your approach is wrong. I will say let me try if works next time i sure buy at this place more because i want collect points and i show them my reward points page on my phone.

Bank blocking. Could be not enough money or hit wave limit.

Hey guys, normally did u all finished tap 50 transactions per month?
For me, I think the most convinient way is to tap phone thru PHB petrol terminal bcoz no need facing those cashier..
But the only thing I concern is tap phone thru petro station terminal is it legal or not...as i know phone is not allow to use over there...