Very strange all these reports.
Bigpay is a mastercard. I've rarely encounter any problems with any merchants as long as mastercard accepted, unless car rental etc that require credit not prepaid. ATM all can withdraw whether local or overseas (japan, china, Australia, Thailand, Indonesia, Singapore etc). Paywave I haven't tried (mine is old card) but even other credit card sometimes paywave fail (positioning etc). You do need to use your BP using pin first time before can paywave.

Bigpay has been a godsend for traveling. I don't go to midvalley line up change money anymore.

Lol at last sentence but agree

Paywave isn't working because you need to perform a PIN transaction first to enable the Paywave feature when you get your new card.

actually i quite pity those cashier, sometime they keep confusing whether this BP card is a credit card or debit card as they need to enter the request to their pos, i also dont know how to advise them. Maybe BP need to take a look on this card appearance next

It's a credit card (prepaid credit card).

You mean merchants should teach their employees about prepaid cards and also upgrade their POS system to show prepaid cards on the system screen?

There's nothing wrong with the card, there's a "Prepaid" clearly showed on the card.

Usually most employees will just consider prepaid cards as debit cards, which there's no problem with that.

i think if they choose credit card, the bank fee higher. if choose debit card bank fee lower. but if cc choose debit it cannot cross, but not the other way round.

Nowadays bank fees for credit cards is very low...not much difference than debit

i just used bigpay in Iceland and UK... no issues... all pay wave, or signature or PIN... all pass.. and good rates too!
Settlement took some time though.. few days...

Not true. I swiped AMEX oversea. Crazy fee

I think they were referring to the terminal fees..

Amex or Visa, you swipe oversea sure incurred additional 2% to 2.5% cross border fee. That’s why use BigPay to avoid this.

I was talking about how much the bank charges the merchant for CC payment. Used to be 2-3% but Bank Negara has lowered the fee to about 0.6%...?

in iceland...did you use it on self-service fuel stations ?

how much is the rate ?

not much difference from market rate at that time last week... 0.0341..
i used bigpay for all the purchases... food, drinks, coffee, ice cream, market, shopping... but not the fuel stations though (i saw most were unmanned fuel stations..) maybe you can try if you go there...

Also not true. I'm a merchant as well. Charges depends on payment gateway.

About to go Jogoya later

Should I tell the cashier my card is credit or debit?

so confusing

Why would they ask such a question? My experience with BP after using it for so many times over the counter is that nobody has asked me that question before.

bigpay is NOT a credit card (credit = credit line/facility given by the bank)

just prepaid or debit card will do.

Why not just say "pakai kad"?

I guess it's self explanatory right? Cashiers will figure it out anyways, prepaid card = debit card

I've never experienced the time when I have to tell the cashier what kind of card I'm using to pay.

This post has been edited by xperiaDROID: Dec 27 2018, 02:57 PM

True that let cashier figure it out.

On a side note, not every prepaid card = debit card.
For example cimb lazada prepaid card is actually a credit card. It is stated in the Tnc of cimb to choose "credit card" when buying online. So yeah very confusing indeed all these terms 😂😂😂