Using quantum. Yesterday around 5pm got problem. Stuck at validating. After few minutes can already

Hi guys, I just got my card, planning to use it for when I go to Japan because it offers great conversion rates.

Just need to ask, when I was reading the disclosure sheet that came with the card, under the conversion fees they said this:

"(Applied when the purchase is effected in currencies other than Malaysian Ringgit)

1% + network charges"
(NOTE: Only charges by the network will be applied until further notice)
So how much are the the network charges?

Sorry if this has been discussed before. But does anyone here experiencing missing points frequently?

i kena this also, extra RM1 charged around 3am plus (shopee), became settled pretty fast
it will tally after a few days (all the shopee one or not transactions refunded, luckily I have 2 or 3 only), I've stop using BP for one or not since I encountered that one extra RM1

since balance tallied, not going to do anything
I chatted with cs when I first discovered the extra RM1, he assured me it's preauthorized and will be refunded.

BigPayJonathanI thk it's a bug in their system, while the previous pending RM1 (actual spending) is still there and they get a refunded RM1, somehow they did not manage to tie back to the original RM1. So the system created an extra RM1 spending to be offset by this refund. Both new RM1 refund and RM1 spending changed to settled. The original RM1 spending still pending and released a few days later. So total balance still tally but I would not prefer the extra entry.



original spending RM1 twice on 20 Jun (one status settled, one status released)
original spending RM2 on 22 Jun
extra RM1 charged - not initiated by me on 23 Jun 04:11am
two refunded RM1 on 23 Jun 05:06am (if no extra RM1 charged above, I think their system cannot tally since the one of the original transaction on 20 jun still pending)
one refunded RM2 on 25 Jun 05:14am (not in pic)
so if the original spending are released properly, I assumed there will be no problem

mamamia it was released around 29th or 30th jun if i remembered correctly

Can you come up with a way to better display the type of transactions? Case in point, I woke up to the below unrecognized transaction & I think it's pretty obvious that this is an outgoing transaction that was somehow rejected / reversed.


I went on a chat with BP & was told that this is actually a refund settlement instead that was somehow tied to my previous purchase that took place last month. So in a way, without contacting CS, I have no way of knowing that this is actually an incoming transaction, not outgoing.

How BP burn money? Care to explain?
Boost straight forward la

If that is the case then all e wallet also making loss even those that does not allow withdrawal

I believe all e-wallet operator are also generating profit somehow with the collected fund.
Else why so many companies want to start e-wallet business.

When each of the user leave RM20 in their wallet .. that is cash flow to them without need to pay us interest. They are able to use that million of dollar fund to roll. That is business.

not really. when u spend with BP i think they do have charges on merchant which would lower down some of their cost

this depend on the rule and regulation BNM set for e-wallet company. like bank, there were actually taking our money to loan to others

If that is the case. Wonder where does bank get all the money to loan to others ? I thought that is the way how banking work. Money to earn money.

I asked this because i saw your reply on below . So you mean bank can not take our money to loan to others ??
this depend on the rule and regulation BNM set for e-wallet company. like bank, there were actually taking our money to loan to others

-- No, they can't do that unless they're cooking the books.

i just top up my bigpay card using my credit card.
bcoz i i hav multiple credit card saved in it, i accidentally key in the wrong CVV.
to my surprise, it still goes through, still get OTP from bck, & the OTP also works.

this begs the question of how secure it really is.

Anyone having issues with the app? I've very frequent issues these past 2 weeks of not being able to display transaction and balance, not only my phone, my siblings one as well.

I read some blog saying that BigPay is best used for overseas spending due to no fee incur and rate better than money exchanger here. Anyone try before?

got some question regarding the BIGPAY card.

Is it every month we only can reload max 10k and swipe max 10k from the BIGPAY card? I remember last year December when I want to swipe SSPN > 10k it doesn't let me to reload more in that month.

As I read through there is a user that got banned . But according to latest update it's not valid anymore. Means it's ok to do so as long as not too frequent or big amount?

If you're not happy don't reply for the sake of trying to bash me.
I'm asking a question which might happen sooner or later. Life is unpredictable. Who knows one day bigpay was the only card you have and you need someone to top up money for you using their card with their name first?
And bigpay blocked that attempt and you're in critical situation which is life saving moment .

Bigpay gonna charge me rm20 for replacement while this obviously is security problem and got nothing to do with me. Else they will take 60 days to investigate and no charge if they found fraud. So low efficiency

hi guys, so Maybank stated that no more ewallet for earn cb or tp.... is BP included as ewallet.....?

I have pressed for the CS to provide me with a list, and this is the official list which will be excluded from receiving TP/MR/Cashback.

For now they have identified these as E-wallets.

GrabPay Network Sdn Bhd

TNG Digital Sdn Bhd

Alipay (Lazada Wallet Topup)

Measat - Astro Pay

Boost - Axiata Digital

BIGPAY

It was mentioned that they will from time to time add to this list, this is accurate as of now (as of 20th June 2019).

Appreciate it if we could refrain from directly discussing other wallets in this thread

It shows settled. but the point didnt seems to update to the total points there. this happened after i sync bigpay with big loyalty account.