I don't see any abuse or bullying, and the purpose of BigPayJonathan being here is exactly to obtain additional feedback. I think the only pointless blaming here is you trying to say people should follow 'your way' in terms of how to raise complaints.

Just came back from Japan. Used bigpay thinking the exchange rate is equivalent to XE but got a shock this morning when the app prompted me that I have a negative balance in my account cos the settlement rate is different from the rate I saw when I use the card. The exchange rate is even higher than money changer.

When I changed cash at Midvalley the rate was 37.245  and Bigpay settlement rate is 37.37!!

Totally regretted it. Such a ripped off!

Most importantly credit card cash back.

On the day I used the card the rate was 37.10 then when it settled today it's 37.37 wor..I of course know it flactuates but this is like 0.27 not 0.03

I checked klmoneychanger online aso highest is 37.35..the outlet in midvalley is 37.30..this is higher than money changer already no?

i see..didnt know tat...thanks

If you look at the Mastercard conversion rate for the month, these few days the rate is high.

For example:
9 Oct - 36.80
16 Oct - 37.18
20 Oct - 37.09
21 Oct - 37.09
22 Oct - 37.01
23 Oct - 37.16
24 Oct - 37.08
25 Oct - 37.29
26 Oct - 37.48
27 Oct - 37.48
28 Oct - 37.48
29 Oct - 37.38
30 Oct - 37.21

Today's rate on klmoneychanger.com, lowest is 37.30, highest is 37.50.

It all depends on your luck when the purchase is settled. That is how it works. We just hope that the payment is settled on the day when the rate drops. For example, if you have made purchases on the 27 October, the rate would have been 37.48, and if let's say it's settled on 30 Oct, then you will be paying the rate 37.21. And your post here in the forum would have been a different one I think.... hahaha.

It's normal. The status will change to settled within a couple days.

For more detail on the status, you can read it here: https://www.bigpayme.com/blog/why-do-payments-sometimes-fail
Hey, I need to follow up on how you engage Time on this issue. I called Time CS & they can't seem to locate the additional RM1 transaction & asked me to send them the screenshot which unfortunately, BP on Android can't capture any.

BigPayJonathan you guys seriously need to reconsider enabling screenshot on Android unless there's a way for us to get a payment receipt or statement to allow us to dispute with vendors.

Oh ok. I tot penang. We have one Hlb in penang Jalan Perak too.

show bank statement for?

Have anyone transfer fund in Bigpay to another Bigpay user? Will that money disallowed to withdraw? Any risk of getting banned?

used BP paid a course in AUD yesterday. rate was 3.015, then when today settled it s 3.035!.. XE only having 3.010+ , no idea why it difference so much.

Western Europe going cashless nowadays too? Its my first time going that area as well. Credit card or debit card for overseas use is the better option as backup?

How bout czech republic and hungary? As this 2 places uses different currencies instead of euro

Czech don't use Euro. CC, including of course BP, are widely accepted and only in rare occasion they wanted cash which you can withdraw from ATM.

Just makes VERY VERY SURE the ATM you use belong to a proper bank, not some money changer's ATM. They all have unfamiliar names. If in doubt, Google to confirm.

AirAsia CEO says its mobile payment app will give Alipay, GrabPay 'a run for their money'

https://www.cnbc.com/2018/11/06/airasia-ceo...heir-money.html

- AirAsia's new mobile payment app called BigPay can give established players in the region a run for their money, according to CEO Tony Fernandes.
- BigPay is a part of AirAsia's strategy to develop new businesses that can generate additional income for the airline as it weathers through market headwinds.
- Some of the other projects include the development of an e-logistics platform called RedCargo, Fernandes said.

at this point of time, only attractive cashback and promotion will make the mobile payment app popular.

who can sustain will be the winner.

Check out my latest post. Still the rate not the same as what it was showing on Master Portal for settlement date.

Okay now im pretty sure gonna jot down all the transaction im making when abroad and check the exchange rate.

i noticed during my last trip in Tokyo using BP, all my settled transactions rate ARE always higher than initial pending amount.

But is it better than using credit cards? hmmm...

Hi @BigPayJonathan, what’s the protocol for us user to reject a transaction that has been swipe due to we not acknowledge on the swipe currency.

I didn’t see any 24 hour customer service available but just email, and email response is extremely slow that take few days to rely my enquiry.

As you said bigPay is playing role as bank, but I don’t see any service provide as per bank

objection! 
its possible to charge back if the product or service not delivered as agreed. black and white needed as proof.