It was my first time using bigpay at payonline.com.my too. I made 2 DBKL assessment, 1 maxis yesterday morning around 11am. The deduction was not immediate. Received confirmation email from payonline today around 2pm, followed by deduction from BP. No confirmation email & deduction from BP on the 2 DBKL assessment. Am wondering if it goes through...

Never use WeChat. But why is it worse?

Hi, I assume you are both new users of BP and UOB Payonline. UOB pay online does have delay in sending notification email on payment approval status. I guess not the BP problem.

I worry if we have transfer a big chunk of money into the card n then suddenly over night the card cannot use n money cannot refund as company tutup kedai. A similar case happened to Obike in Singapore where the users money n deposit in the account now cannot get bavk after Obike bungkus.

agree. so usually I only topup when I want to buy something just to be safe for now. not giving us any confidence

buggy apps does not mean our money is "buggy".

the money is still there, just how to access it realiably by the app is the issue.

all bigpay's wallet fund doesnt sit in *someone*'s personal bank account. there is a separate operating account to hold all the funds, all the wallet activities goes thru this account and wallet provider HAS to report to BNM on the account status.

separately, there is an escrow account, committed by the provider, in this case, bigpay. this escrow account is somewhere like 1:1 ratio against the balance in operating account.

e.g. if all the bigpay wallet balances = RM10mil (sits inside operating account), there is a similar equivalent 1:1 fund size in a separate escrow account. think of this is a "guarantor account".

these operating/escrow accounts are governed by the respective (actual) banks where bigpay/provider made agreement with. dont know what are the jargons here, something like both parties are mutually responsible and both accounts are auditable.

imagine the commitment set by AA/bigpay. 1 user = max RM10k wallet size, the amount of total fund size to commit is huge.
there are also reasons why wallet providers are set a certain limit of RM200 (small purse) and RM1500 (large purse) wallet size. only bigpay has a wallet size of RM10k. BNM didnt approve bigpay's this wallet size for no reasons or justifications and commitment by bigpay itself.
not everyone accepts ewallet, let alone see their money on the phone. some would just rather see/touch physical $$ notes or bank booklets as assurance 

I feel safe but a bit insecure, inconvenient, troublesome.
It is a prepaid card, not a credit card.
Worse case I lose the credit balance in BP account, max RM10,000 only, not a big issue.

Failed top ups are rare, but they happen. Whenever that happens, our team pulls the data out of our accounts and manually reflects the amount in our users' account. It usually takes less than 24h, unless there's been an usual amount!

Me too, all settled status but no points since 6th aug txn
Have u receive email from Uob Payonline on ur payment status?

Somebody cannot take the fact and report my post.
Great job!

If your app is so reliable and the CS is so responsive, there won't be so many complaints in this thread.

A fintech company is expecting to be work like AA model is not workable because it involves money!

Is it just me or is BP down again?

Same "can't reach you message..." and can't see balance.

Ok. Me too. Cant login. May be system down

Can it be?

usually zero fare is applicable to the ticket price only. one still need to pay for the taxes and fees.

usually the time frame is 10 working days. if merchant does not accept the transaction, then it will be reversed to you within 10 working days.

Guys, normally the BPcard will send to our mailbox directly or doorstep which require signature? first topup last tuesday, and yet to receive the card, but the app already shown "Delivered! time to active" since yesterday.

I haven't receive the card lo... ;-(

I have the same experience with you when i applied the card. The root cause was the stupid courier delivered to the wrong address and finally my neighbour who recieved the card passed it back to me. Hence, check with the courier if confirm is their fault BP will cancelled the lost delivery card and send u the new one.

Just tried to withdraw from a Maybank ATM, max allowed is RM1500. Can we change the limit?

I believe the limit is with the ATM machine instead, in fact majority of machines are limited to 1.5k per withdrawal.

Excellent point, and I hope this is a question I hope BP Jonathan will answer!

The issue of fraud is very real.  When I was in Europe, ALL my transactions went through without PIN. One cashier even joked that it would be a lucky day to anyone who found my card. It doesn't even have our names on it, so we lose it while travelling, its like losing cash with little hope of retrieving the card.  The only upside is that the maximum you can lose is whatever amount is reloaded (max RM10k).

This is when you need the freeze function, immediately freeze your card when you lose your card