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 TnG eWallet Discussion Thread V1, eWallet, PayDirect

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SUSxander83
post Aug 10 2021, 05:30 PM

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QUOTE(cybpsych @ Aug 10 2021, 05:27 PM)
interesting.

GO+ cash-out yesterday (Monday), received fund in Maybank today (Tue, Public Holiday)
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As long as cash out is done on a working day and before 4pm cut off the received will be next following day whether it is working day or not

Just like cashing out on Friday’s you will received on Saturday before 4pm


SUSxander83
post Aug 10 2021, 05:33 PM

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QUOTE(victorian @ Aug 10 2021, 05:04 PM)
There’s no need to use the word “rubbish” to describe the return. Go+ has its own pros and cons, it might not be suitable for you, but to others it’s convenient
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RUBBISH because most MMF are paying at 1.7%+ pa onwards while rubbish GO+ are ripping off 0.43% off the depositors money rclxms.gif
SUSxander83
post Aug 10 2021, 05:54 PM

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QUOTE(cybpsych @ Aug 10 2021, 05:36 PM)
that's what you derived without official statement from TNGD
offical FAQ refers to Business Days, not Calendar Days

How long does it take for the Cash Out to be paid to my TNG eWallet and bank account? – Touch 'n Go eWallet Help Centre
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Business day only refers to cash out request processing day while cashing into bank account doesn’t really matter because so long as the request is done on businesses day
SUSxander83
post Aug 11 2021, 04:46 PM

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QUOTE(xiaoxiaoshen @ Aug 11 2021, 12:06 PM)
saw few post now can cash out from GO+ without being ban? how to do this?
1 month once? full withdraw?
it some1 already figure out the way bypass system flagged?
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To those who managed to upgrade to 20k wallet limit would not have any issues as the account is verified

While those on below tier should be the ones who get checked


SUSxander83
post Aug 11 2021, 05:39 PM

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QUOTE(MGM @ Aug 11 2021, 05:26 PM)
I think some of those who were softbanned were verified accounts too.
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Those who got softbanned are mostly due to CC reloads hence which is FPX and TnG reload pin will not have any issues get any soft banned at all

I already withdraw max after promo ends easily no issue because mine was mostly FPX

I believe TnG reload is linked and able to check against CC reload so hence after months of data mining their AI is able to root out the problematical accounts

Question is only now how their backend audits for GO+ accounts?
SUSxander83
post Aug 11 2021, 08:54 PM

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QUOTE(victorian @ Aug 11 2021, 08:49 PM)
No choice lo, the platform is theirs. If they don't want you there you can't do anything
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Must be his track record is bad in Principal UT investments hence banned because high risk rclxms.gif
SUSxander83
post Aug 17 2021, 02:29 AM

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QUOTE(Boy96 @ Aug 16 2021, 06:31 PM)
I mainly use tng ewallet for the Quick Payment only, charge directly to credit card upon transaction. Just recently only need to topup few hundred bucks from CC to go+ inorder to cashout because a shop i went to does not accept card, only bank transfer..

I thought can just leave the few hundred bucks in go+ for a month before cashing out to bank and future transaction continue with Quick Payment.. turns out it takes the balance from go+
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Why bother transferring around? Just leave it in Go+ and earn rubbish return rather than 0 in wallet doh.gif

Quick payment is only useful when your balance is low and need a top up only
SUSxander83
post Aug 17 2021, 03:22 PM

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QUOTE(Matchy @ Aug 17 2021, 02:39 PM)
anyone knows what is the alipay+ rewards for? or anyone using it?
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Currently for online purchase for e coupons

There will be more features in the future
SUSxander83
post Aug 19 2021, 03:49 AM

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[quote=tigerjkt,Aug 18 2021, 07:12 PM]
[quote=Nom-el,Aug 18 2021, 06:56 PM]
That is not true. I only reload from reload PIN and my Go+ was suspended after cash out.

Assume you bought reload PIN from Z-City with Credit Card, you seriously think TNG won't know about that?
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[/quote]
Plus TnG is able to track each reload pin to its payment method whether cash, FPX, ewallet or CC hence they have the know how from architecture system from Ant financial which is why every single reload pin is unique and can be traced especially those with CC
SUSxander83
post Aug 19 2021, 03:56 PM

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QUOTE(beLIEve @ Aug 19 2021, 03:50 PM)
are you sure? or maybe it's a simpler method. If source==zcity then it's online/cc. how many people pay cash@fpx to zcity for TNG pins?
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Zcity has very limited allocation daily which is easy to track whether it is FPX or CC

Plus there is a special sequence number through iPay which they will know whether it is CC or FPX so it is even easier than you think
SUSxander83
post Aug 19 2021, 04:25 PM

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QUOTE(jasontoh @ Aug 19 2021, 04:18 PM)
What about elinking?
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Same as well because they will track through payment gateway
SUSxander83
post Aug 19 2021, 04:34 PM

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QUOTE(tigerjkt @ Aug 19 2021, 04:27 PM)
I don't think so.  I always reload using FPX or Debit card, and have done multiple big size cashout to bank.  Never have any problem, and according to their T&C, it is very clear that only Credit card reload then cashout is restricted, nothing about FPX and Debit Card reload, and they should NOT.  Unlike CC, FPX and DC are my money, I should have the freedom to use it whenver I want it.   

I really think TNG should simply charge some fee for CC cashout.  It will be easier for users and also financially acceptable to TNG
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Currently GO+ is under Shariah hence interest payment to cash out is considered as haram

Which is why GO+ is only allowed FPX or DC clearly because on their clause amended to fit in their Shariah requirements

Those who got banned are very simple because they breach a very simple rule using CC to cash out and also cashing out a certain large amount one time only

Even now ShopeePay are enforcing the rules tightly even for a very small amoun5 will get th3 soft bam
SUSxander83
post Aug 19 2021, 07:33 PM

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QUOTE(jasontoh @ Aug 19 2021, 04:37 PM)
I mean consider CC reload? Since we usually pay by Grab (unless they can track Grab payment whether it is in credit card or not). Anyway, just don't treat it like easily can rinse the money with Go+.
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TnG pins only can be bought using cash, FPX or CC only hence they are able to track easily


QUOTE(Nom-el @ Aug 19 2021, 05:43 PM)
I agree.
I bought the reload PINs from multiple sources.
How would TNG be able to know what payment method is used? TNG just sell the PINs to the sellers and have no access to the sellers' IT infrastructure and their payment gateways. They would only know where I bought it from if the seller got their stock directly from TNG. The idea of having different PIN numbers for different payment methods is just ridiculous. There are also some sellers selling them offline and they could accept different payment methods. There are also some sellers who bought the PINs from one platform and resell it on another. How would TNG be able to track them? Even if TNG is able to do so, why would they go through so much trouble and I doubt the sellers and their payment gateways would cooperate.

Unless you are working there or have insider working there, how would you know? Prove it or else it is just more nonsense from your imagination. doh.gif
Get your facts straight about Shariah compliance. It has nothing to do with reload source. It is about what they are allowed to invest in. ShopeePay is not Shariah-compliant either but it is also banning people for doing withdrawal. So nothing to do with halal or haram. doh.gif
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I know how they track the pins as it easier than you think because you’re just complicating yourself when the tracking as built in inside the pin which you don’t even realise hence it is easy to match with algorithm to ban those accounts

I was talking Shariah compliance even for withdrawal as there no interest should be charged as it is consider noth8ng to do with even reload source in the 1st place doh.gif doh.gif doh.gif
SUSxander83
post Aug 19 2021, 07:35 PM

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QUOTE(wjleong15 @ Aug 19 2021, 06:15 PM)
it refresh daily?
usually what time?
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Random at all times hence you need to keep an eye

These days too many users on the platform even getting harder than before to buy it
SUSxander83
post Aug 20 2021, 03:51 AM

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QUOTE(ChiaW3n @ Aug 19 2021, 10:21 PM)
And nowadays no more 300/200 pins. Left 100 and below
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Cause too many people using hence less chance to get any pins

QUOTE(Cookie101 @ Aug 19 2021, 10:55 PM)
I like how you spill those nonsense with confidence. Seriously.

just met a friend running a convenience store selling tng pin and reload for physical card says he got weekly billing. He accepts all sorts of e wallets for the payment and the pins are generated on a separate machine provided by them. Just need authorisation pin and amount and the code is generated. End of the week, he got billed for the total amount and debited through business account.

So there’s no way tng can tell how the payment to those pin were made.
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The machine generated algorithm will reconcile with the payment method hence they will know which payment method before generating the pin

Touch and go will know whether it is through ewallet, CC and cash because once payment is accepted then only the pin being generating not the other way round where the pin is allocated

In fact they can even trace the pin to the actual source is easily to even download to the petrol station or 711 store itself easily

Weekly billing reconcile doesn’t matter because the agreement to sell the pin it is already outline from day one hence TnG will track from there’s onwards because the source payment for customer is limited
SUSxander83
post Aug 20 2021, 03:51 AM

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QUOTE(ChiaW3n @ Aug 19 2021, 10:21 PM)
And nowadays no more 300/200 pins. Left 100 and below
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Cause too many people using hence less chance to get any pins

QUOTE(Cookie101 @ Aug 19 2021, 10:55 PM)
I like how you spill those nonsense with confidence. Seriously.

just met a friend running a convenience store selling tng pin and reload for physical card says he got weekly billing. He accepts all sorts of e wallets for the payment and the pins are generated on a separate machine provided by them. Just need authorisation pin and amount and the code is generated. End of the week, he got billed for the total amount and debited through business account.

So there’s no way tng can tell how the payment to those pin were made.
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The machine generated algorithm will reconcile with the payment method hence they will know which payment method before generating the pin

Touch and go will know whether it is through ewallet, CC and cash because once payment is accepted then only the pin being generating not the other way round where the pin is allocated

In fact they can even trace the pin to the actual source is easily to even download to the petrol station or 711 store itself easily

Weekly billing reconcile doesn’t matter because the agreement to sell the pin it is already outline from day one hence TnG will track from there’s onwards because the source payment for customer is limited
SUSxander83
post Aug 21 2021, 03:23 PM

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QUOTE(zinze36 @ Aug 20 2021, 05:11 PM)
my friend bought reload pins from zcity using fpx since she did not have any credit card.
after two times withdraw fro go+ to bank account kena banned.
appox rm1.5k and rm1.1k
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Your friend ask for it due to back to back with amount so more than rm1k sure flag big time doh.gif
SUSxander83
post Aug 21 2021, 03:52 PM

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QUOTE(Kyan0411 @ Aug 21 2021, 03:43 PM)
Hmm, im not sure what happened but my last withdrawal from Go+ to bank failed

RM0 Principal: Your GO+ Account Cash Out to Bank Account (No:R2xxxx00000xxxxx) has failed on 21-08-2021. Pls call 03-7723 3800 for any queries.

Not sure is this considered a ban or what
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Check your transaction details itself on the status if it is failed then you have call and ask why
SUSxander83
post Aug 22 2021, 02:28 AM

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QUOTE(Kyan0411 @ Aug 21 2021, 03:57 PM)
Still show processing in the apps but i think it will be reflected on monday.

Dont feel like calling them. Likely a soft ban on my account as I only top up using credit card nowadays and withdraw after 2 weeks
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If still processing means it is still working fine so don’t worry too much
SUSxander83
post Aug 23 2021, 04:09 PM

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QUOTE(beLIEve @ Aug 22 2021, 04:43 PM)
i still think they can trace the source, but not until paid with cash or card.

zinze36
just ask your friend to report to them and show proof it's paid with FPX. since she did not use credit cards, less hassle to submit statements.
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Definitely TnG can trace easily with reload pin payment method

The problem is the amount flagging because back to back withdrawal of a certainty amount

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