QUOTE(james.6831 @ Sep 19 2024, 08:45 PM)
sharing my exp after back from biz trip in shanghai.
Must download Alipay app. I Link with my big pay card. Tried Gxbank card but failed payment. maybe my fault i dunno but i tried twice to pay by QR in Alipay link to GXBank card even with overseas transaction enabled but it failed. In the end use link with big pay card and it works.
within alipay app you can create metro card and scan easily to use their transport. plenty of example on youtube. no need queue for ticket at each station. you can also use didi app within alipay. the driver will usually ask last 4 digits of your hp number (in my case is my msia hp number since i'm on roaming) to verify.
I Didn't bother getting local number but used roaming instead. no need to bother with vpn since google whatsapp etc all works via roaming on celcom digi.
google maps might not be accurate for some locations. my hotel location totally different on google maps compared to actual location. use apple maps if lost from google maps lol.
if possible, prepay your hotel online via trip.com for example. at my hotel i tried paying by CC but failed. tried with visa and mastercard both also fail. I think the CC terminal doesn't accept. In the end paid via QR using Alipay app (link to my big pay card) but niama kena 3% charge. Any payment above 200 yuan kena extra 3% charge on Alipay. Try to split your payment if can.
Cash is still used widely for tourists but easier to pay via QR. they prob think i'm some kampung fella since pay by cash lol all the locals just pay via QR.
I didn't bother with wechat app but ok la still survived. most places accept alipay. the only time was at a vending machine which only accept wechat.
Tried Gxbank card but failed payment. maybe my fault i dunno but i tried twice to pay by QR in Alipay link to GXBank card even with overseas transaction enabled but it failed. Since GX Bank is relatively a new bank, they had to use the latest 8 digits BIN number standard for its card number.
It is the future card number standards for Mastercard and VISA, and meant to supersede the current standard of 6-digits BIN number that is in use since long long time ago.
But it is believed that some overseas merchants did not or have not update their POS systems to support 8 digits BIN number from Mastercard/VISA cards due to technical reasons. Therefore as a result from the end user, the transaction will get declined. I believe this issue won't happen if the merchant supports 8 digits BIN number.
This is more towards the merchant's problem, nothing got to do with the country you visit.
In the end use link with big pay card and it works.Meanwhile, BigPay's exchange rate is not attractive anymore, and not "0% bank fees" anymore, so I wouldn't recommend to use it, unless for backup or emergency.
I suggest you use Wise card instead. The exchange rate is better. Getting a physical Wise card costs RM13.70, but that will be waived only if you sign up Wise using a referral link (from other existing Wise user). Virtual card is free.
Wise also supports overseas ATM withdrawals, so you can have additional cash to use in hand when needed. There'll be no additional fees from Wise as long you don't withdraw more than 2 times in a calendar month, or equivalent to RM1000 in a calendar month, whichever comes first.
at my hotel i tried paying by CC but failed. tried with visa and mastercard both also fail. I think the CC terminal doesn't accept. Did you ask them whether they support VISA or Mastercard card payment? In China, this is the question you should ask the merchant (unless you clearly see VISA and Mastercard logo there).
If they don't know what is Mastercard, use the Chinese name, it's called 万事达卡
In the end paid via QR using Alipay app (link to my big pay card) but niama kena 3% charge. Any payment above 200 yuan kena extra 3% charge on Alipay. Try to split your payment if can.Yes. It is true that 3% transaction fee will be charged by Alipay if you pay more than 200 RMB in a single transaction. The same rules applies to WeChat Pay.
But to pay for your hotel, assuming that it costs more than 200 RMB, how would you split it?
Example: If the hotel costs 550 RMB, so you tell the hotel staff that you want to pay in separate 200 + 200 + 150 RMB, like that? Would they accept that?
Cash is still used widely for tourists but easier to pay via QR. So far did you experience places or merchant that don't accept cash at all (means accept cashless only, like Alipay or WeChat Pay)?
This post has been edited by joshhd: Sep 20 2024, 12:00 AM