Ya..
but it can be optimized to auto apply shortest expiry voucher and
mayb can auto apply voucher as default with option let you change to other voucher.

can't they just increase the bandwidth?

noticed on big day the shopeepay is very unstable, some intermittent delay in showing QR code

i think this is limited to the 1st time use of DuitNow QR only.
once per user.
min spend RM5 to get RM2.88 cb.

subsequent use will only get 3% coins

This post has been edited by sjz: Jan 18 2022, 03:42 PM

Surprisingly, TNG Visa categorized as Debit, hence transferable balance.

Those understand will get what i trying to mean here.

as the usual saying, enjoy while it lasts


Yes.
Theirs is based on type of card, All CC non-transferable while DC transferable.

This post has been edited by sjz: Aug 2 2023, 12:17 PM

that is before they implement transferable and non-transferable

so far after they implement this, din see anyone reporting of that

could be hit-and-miss?

but once added its transferable balance

deduct from TNG Non-transferable .

As it is considered as usage of Visa Card

No criteria.
Hit & Miss case at random.

as shared before, it could b due to they block tng visa at certain payment gateway while some gateway not blocked

This post has been edited by sjz: Aug 9 2023, 09:00 AM

for SPaylater
there is no charges incurred during payment time as well as you pay within due date.

but charges will incur for every transaction you choose to use them.
currently they are doing some promo, mostly 1 month is 0%, sometimes 3 mths or 6 mths 0%, depending on diff sellers / items .


do watch the SPayLater payment option, if there is no 0% indication,
means there are fee being charged but the total fee charged is not stated clearly there, a bit misleading if you ask me.

This post has been edited by sjz: Jul 17 2024, 08:51 AM

i been using SPayLater strictly for only 0% trx, be it BNPL, 3 mth or 6 mths.
the longer the better with 0% fee. i only use when 0% fee.

no fees pay at all so far.

its a very nice tools and like free credit when we use it wisely

really misleading case.

i think we need to cdouble confirm and check back SPayLater transaction history page.
to ensure the amount is tally with 0%.
as well as during check out, the amount shown should be 0%, only cn proceed.

This post has been edited by sjz: Jul 18 2024, 12:16 PM

actually with this proof.
you have a very strong case of their Fraudulent Pricing.

FCFS won't cover them at all.
as in your 1st pic, it is shown VERY CLEARLY the 3 months instalment is RM10.44 instead of RM10.91
but when they charge, they charge RM10.91 instead, this says it all.


if they argue FCFS, then their 3 months option should show RM10.91 and NOT RM10.44 if the FCFS 0% quota is full or for whatever reason the trx is ineligible.

same like we go supermarket, price on rack showing a lower price, but go cashier, system is a higher price,
eventually no matter what reason they giv, supermarket need to honor the lower price.


probably you can log a complaint to KPDNHEP.

as they are providing a services and charging processing fee.
i supposed this should fall under purview of KPDNHEP if it is not under BNM


https://www.kpdn.gov.my/en/consumerism/hak-...umer-complaints
To receive complaints from the complainant through telephone, website, letters and walk-in to Consumer Complaint Management Centre (CCMC).
The complaint will be channelled to the respective agencies. Please take note that not all complaints received are under the Ministry’s jurisdiction to be resolved.

Fraudulent Pricing

https://eaduan.kpdn.gov.my/

This post has been edited by sjz: Jul 19 2024, 08:57 AM

so far among my experiences on ewallet payment using scan Duitnow QR, ShopeePay is the worst and the most unreliable ewallet.

sometimes after scan QR, key in amount, nothing happen at all when you click Pay.
even if you click Pay button few more times, nothing will happen.

but some other time, it worked fine.

not sure what is wrong.


This post has been edited by sjz: Sep 23 2024, 09:12 AM

for PTPTN SSPN, can we use non-transferable cc reload funds ?

i kena in sushiking too, and some BHP station unable to use too.

they will state not eligible to use voucher under this payment method.

very frustrating to found vouchers unable to use despite we going to the outlet stated clearly eligible to redeem.

supposedly kkmart allow spaylater.

the pending trx will not go thru.

i think it stucked at the select instalment tenure (1,3,6,12 mth) page.
always happen during my payment time.

quite frustrating to use it.

if not because of the voucher, i will avoid it at any cost.

This post has been edited by sjz: Oct 13 2024, 04:44 PM

their CS is useless and won't do any good.
all they know is keep telling you they will investigate, and that's about it.
i don't expect them to reimburse back the voucher for us.

in fact, as a matter of principle, we should hav the rights to claim back RM0.01 from them since they sold the voucher to us but the voucher is marked as fully redeemed (grey out) before the validity expires and we never got to use it.


imagine if someone use this loop hole to sell unusable vouchers to users, but users are unable to redeem these vouchers at all.

This post has been edited by sjz: Oct 13 2024, 06:06 PM

ya.
i managed to use in Lotus, BHP, Caltex, Mr Dollar, Mr DIY, Econsave, Family Mart, Secret Recipe, My News, KFC.
failed, Sushi King, some BHP station, Zus.

me, activated for free 3k coins only.
will not touch it at all, since the interest is extremely high 18% p.a, same as cc interest.

This post has been edited by sjz: Oct 16 2024, 10:39 AM