Hi guys, did bigPay have charges on oversea transaction?

I did swipe one transaction in China on November 1 , which is RMB 800 ( MYR 479.65)  , and the initial currency rate was RM 59.95 per RMB 100.

And I have constantly checked the currency on November 2 and 3, the currency rate is at Myr 60.4 per RMB 100.

However today ( November 3) , the transaction final settle is MYR 495.53. Which equivalent to MYR61.94 per RMB 100, that’s a huge difference in currency.

Anyone has any idea on this?

Yea, i have dropped them an email as well as gave them a call.
Also provided few screenshot of my transaction details.

1. Yesterday pending rate = 3.015 (5th of November)
2. Today Settle rate = 3.035 (6th of November)
3. Yesterday Master Card Rate = 3.012 (5th of November)
4. Today Rate = 3.022 (6th of November)

I realized that 2 days back the Master Card rate was 3.035 as well, perhaps they follow the wrong date Master Card rate.

Also, just to be clear on the 2% charge and so on: BigPay does NOT charge anything to its users on top of the exchange rate. That's always been one of our main features, and it's still the same. Whether the merchant / vendor / payment terminal charges you with anything else is up to that 3rd party. Just make sure you read carefully their T&Cs! If it's not mentioned anywhere, you should definitely follow up with them.

Using Taobao App (Oct 2018), Alipay (+3%) automatically convert into MYR, you don't have to check the Mastercard's exchange rate and bank charge (0-2.5%). The payment gateway is in London (TAOBAO.COM 125 LONDON WA GB), so some CC may charge Cross Border Fee (1%).

Maybe use boost to pay Taobao?

As you said, cashier may select the currency with out realizing, I always tell the cashier to charge as local currency, yet they still convert to MYR, and nothing I can on it ( denied the transaction) which not acknowledging by me, DO you still accept this transaction swipe? NOT to say I don’t like the currency rate converted, is just the transaction amount agreement is not acknowledged by me as cardholder. So what is the protocol to make such refund? How it works for bigpay?

Even when I swipe incorrect amount/ double swipe, we are still able to call bank to revert the transaction immediately through phone call, but BigPay doesn’t have customer service call to handle this?

https://world.taobao.com/helper/knowledge.h...mid&kid=6534303
Stated here 3 % fee

Managed to pay with BP for Lazada and Taobao. Confirmed no 3% with BP for Taobao if purchase on 1111.

The rate I got is competitive, equivalent to xe.com. Shall wait till it's settled.

anyone tried refund from taobao before? can enter in bigpay within how many days? is it like credit card need around 1-2 weeks?

i know that the new ios feature.

but does it work for all cc sms otp? i'm curious if it can capture all types of sms otp sent out by our banks 

I think zstan encounter the issue today.
May she may try your method if it works, unsure he she still wish to try.

Thanks for the update. Hmm...sounds like AA has resolved the issue.

Bro, did you purchase the luggage or flight meal add on? any discount on it? 

Thanks!!

The "Bank fee" = how many %?

So I was buying stuff from Shopee and it was using the dreaded cybersource gateway which blocked my card when I tried to purchase during 11.11, to my surprise now can use BigPay with cybersource gateway .

Yes. I shared earlier, it was opened on midnight of 12.11 when 1111 just over.
Now mine is permanently to Cybersource but luckily can use BP.

Maybe it is really on and off.
Try adding the card first instead of straight paying via BP. You may need to try few times in a day, I tried after midnight and it was OK. Don't dare to touch anything now.

But cybersource is not a local gateway. I get less rebate using my RHB CC, +1% cross border fee if I use SC/CIMB CC, transaction date/time is another issue to consider.

just sharing.

i just created dual-app (xiaomi phone) for bigpay app. working fine. able to use my fingerprint id template.

aside from NRIC, email address and mobile number has to be unique (not used) during registration.

now pending verification and delivery of card.

my settled transactions 2 weeks ago still missing Big Points...
hmm... need to call CS or wait few more days?