Perhaps they need to somehow “offset” for the ‘Spend Now 4 More Cash Back’ campaign that they have been running very frequently.

In a way, if you use a good card that gives you good cash back to topup your BigPay card, then you use your BigPay to transact for your online purchase to earn BIG points. If your online purchase is in a foreign currency, BigPay card usually has a slightly better conversion rate as well.

Weirdly, today I received SMS from StanChart that a transaction was made on my credit card to BigPay. I did not do any transaction nor did I receive any SMS for OTP, so does not look like unauthorised usage, but baffles me how a transaction on BigPay got through with an OTP.

Contacted BigPay and support told me they do not have any information to trace this. They only recommend me to file a dispute with my bank.

Is it so difficult to trace the transaction via its approval code and the date/time and see which BigPay account is it reloading to? I don’t want to cancel/block my credit card if it is a technical issue.

Yes, called the bank and they gave me the approval code.

This is not transaction from BigPay, it is transaction on my credit card to BigPay (topup).

Yes, and someone else PM me that he is also experiencing the same, the transaction happened around the same time.

Hi Jonathan, regarding the bolded part, this is exactly what I need to found out first before I lodge a report to my bank. However, the support said they don’t have such information and request me to just lodge a report with my bank.

If this transaction is still reloading to my BigPay account then I don’t mind, I just need the fund to be reflected. If it is going to another BigPay account that is not mine then of course I will lodge a report to my bank for unauthorised use of my card.

Also as I’ve mentioned, there was another forum member that PM me saying he experienced the same issue also and his transaction also happened around the same time as mine.

The thing is, I don’t know this transaction is topping up to which account. Which is why I provided the transaction date/time and the approval code from the bank to BigPay support but I was told they are unable to trace back the transaction is reloading which account.

The only info that I need to know is this credit card transaction is topping up which BigPay account.

There are some certain points that I could not get an answer:

1) Where did the funds for this transaction went? As in to which BigPay account? I guess BigPay could not answer this, they told me they are unable to trace it like that.

2) I believe all BigPay topup via credit card requires the TAC/OTP code from the bank, these transactions were made without any, so how did the transaction went through?

3) Seems like this issue affects SCB cards? You and another one who PM me are also using SCB cards. Time of the transaction is also about the same.

But we don’t store our CVV with BigPay as we have to enter it every time we want to reload. Unless BigPay is storing it without our consent, although unlikely.

So at this point of time, we can say that there is indeed a technical error and an investigation is being done?

By the way, is there any security breach? If all details are safe then I’ll probably just lodge a dispute with the bank but tell them I don’t need any card replacement.

This post has been edited by OKLY: Jan 15 2019, 04:21 PM

If a user is not aware of this and never lodge a dispute, and SCB releases the payment to BigPay, what is BigPay going to do with the money since the transaction cannot be traced back to the BigPay account?

This is one issue. The other issue is what triggered the top up when we did not perform any top up?

That’s why it is crucial to trace that card transaction to see which BigPay account it is topping up but unfortunately BigPay is unable to do so.

I guess to be safe it is better to ask SCB for a replacement card as well?

No reloads for this midnight.

Weird I did not have to remove my BigPay card from my Shopee account as it was already removed on its own. Added again as another card and payment went through fine.

Yes, they have a common cash card by NETS. However, contactless credit/debit card payments are welcomed as well at most retailers.

I have been trying to make an online purchase since 6am, still no OTP.

I have 2 SCB cards and only 1 got deleted. I have another 2 from different banks that got removed as well. After adding the cards back again reload is fine.

I noticed the merchant description has also changed, it’s now BIGPAYEC. Not sure if there will be any changes on their MCC.

Yeah explains why no longer receive SMS for spin and win.

I was not able to topup my BigPay until I updated to the new app though.

Definitely during the midnight when they released the new app version.

My last topup was 11+pm last night and was still ok. Only this morning 4am after updated my app and trying to topup that I noticed the new merchant description and suspected some changes took place.

Pre-authorised charges only, usually reversed almost immediately based on my experience.