just too bad then. safety first.

but the problem is the missing topup during relatively peak hours will not be " resolved by itself naturally".
something has to be done.

maybe some upgrading of the capacity etc.
and seem like they are not keen in doing so.

there is always a way in resolving all these issues.

So jealous! Wanna try it out too but I guess it'll take a long while til BP sends a new card to those existing users.
I hate it when I go to SG and the merchants there only know how to use Tap, dono how to swipe/pin it even though I know the terminal accepts it.

there's a freeze function.

We're going to release the following statement:

I believe limit is 10k. Don't do till sharp sharp 10k la. Then reload liao, don't withdraw everything within a week la. Use it to pay regular bills like how u pay using your existing usage lo. Then probably weekly withdrawal will be good, just to pay off your cards.

I.e. Do what you usually do when BP does not exist. Don't tell me you 1 week withdraw all your salary just to pay your monthly expenses meh. Unless you're a cash person lor.

business survival is the key. dont over abuse it. use it moderately. dont try outsmart by squeezing others without air to breath.

like we always said, u help me i help u.

Now Bigpay card is becoming my main spending card on retail. but online still using others as they having promo code for good deal.

That's right. People always Like to take benefit from others ppl and expect they did nothing wrong and given reason like is the card feature. Will u keep deposit and make withdrawal all your money frequently in the bank?  If you are the boss who running this business, if a lot of people keep take benefit from your business will u take action or u just let them be and cover your own losses?

Those who lead their account getting bann have to responsible their own behaviour and that person definitely know why u are gonna be banned. Don't blame the company, think what have u done. A real businessman won't banned customers without a reason with their own preference.

Haha my calculations are accurate. Hahaha please read up before you comment.

18% late payment charges, are on annual basis. I once had a late payment charge, not sure which bank. They charge on monthly rest (1.5%). So, let's say i owe them 7k for late payment. 7k, with 1.5%, is RM105. But remember, not everyone pays late. I always pay on time, only that one time was because I forgotten about the statement date, since it's my first time using the card. I got it waived, changed the statement date to sync with all my other card's date.

Let's take it for bigpay now. Rm7k. Most companies such as Airasia, has a very aggressive expansion plan. Our funds represents liquid cash, needed for expansion projects. Yes you can say bigpay is still small, with a small customer base. That's why they are expanding this business. Their aim, is definitely to reach out the greater market. You may own a maybank card, i own a stand chart card. But together, they have 2 bigpay users as their customers.

As things stand, Malaysia has approx 10.3mil credit card in the market, average of 4mil users (below 3k is 2 cards only) but surprisingly, we have almost 36mil card-based e-wallet (prepaid card) users. This means, on average, everyone has 1-2 prepaid cards. I believe this number includes foreigners and etc, just for Malaysia market. Prepaid card is a growing business, growing faster than credit cards + debit cards combined.

If Airasia taps into the e-wallet market and holds 10% of those total, they would have 3.6mil users. If every user reloads average of 5k, they would have RM18bil liquid cash to spin. Airasia is in a very volatile market due to global oil prices. Though they lock the oil prices, they still need to pay contract price when it's due.

Also if you look at the 2016 statistics, we have RM2.7bil overdue credit card balances, representing RM40.5mil finance charges on monthly basis, for various banks. Divide them into 5-6 banks, you barely have 8mil per bank. 18bil per month, with 1% transaction fee, is 180mil, or 36mil per bank. Each banks earns 44mil.

If you see my calculation, what do you think. 18bil revenue less 1%, per month, even throw in FD, can earn 44.5mil on a monthly basis. And that is clean income for Airasia alone.

For you to say my calculations are way off, is rubbish. Airasia is earning way more than bankers themselves. And in a volatile market, with 17.82bil to spin, this represents a more lucrative income than banks.

Always bring an extra cc as backup. Although bigpay can be used overseas it’s always nice to have a backup.

Hi, there are few forumers have been using BP in Jpn, but unsure if they had make any withdrawal via ATM. May be you can check with them. I remember there was a member mentioned most of the place need no pin and there was a place reject the card.

Search the keyword of "japan"..

Enjoy your trip.

Mind to share your findings and experience of BP (where are not accepted, swipe/wave) and ATM withdrawal (max amount withdrawal, any fees, which bank ATM) after back from great trip. 

no otp but for overseas, there is Address Verification Service (AVS) checking, unlike here in Malaysia which i seldom see being enforced.

anyhow, for authorization code, it should've been accessible by CS, unless (1) their system/crm doesnt cater for it, (2) they dont receive/store it at all, or (3) staff untrained to find it.

interested to hear from BigPayJonathan too, since requesting for authorization code is fairly common for any card transactions, including bigpay too.

if i understand bp correctly, it's like this ...

bigpay <-> payment gateway <-> trust account bank (to store all the funds) <-> issuing bank (prepaid card)
  ^-------------------------------------------------------------------------------------------------^

not sure if trust account bank == issuer bank, but it would make sense to be the same bank to provide the e2e facilities to bigpay.
since bigpay also manage the prepaid card, i presume they should have some degree of information stored in their system for operations and support purposes.

bigpay never asks us to contact their bank for info, so i guess bigpay is responsible to manage all card transactions themselves.

really like this app's UI  the transaction history even shows the full details like transaction ID and approval code 

Yeah. I notice that there is no transaction number available in BigPay. Instead, they ask ua to provide Date and time... a bit speechless 😶

inside exported report, not displayed on app

good news, all my pending transactions (screenshot from Excel report) dated back to September, are now SETTLED! 

only 2 Presto transactions at RM0 were not updated to its proper status (should be DECLINED). anyways, no harm for these.

Which bank's card and what Telco SIM?