On certain transactions, alipay charge 3%.

Alipay a option.

CC usually charge higher forex rate. If your spending is very low then ok la swipe all you want.

If your purchase is big and swipe cc it actually expensive. Haha

The only positive thing is you don't need to download other app just to do cross border payment.

Cc can be used frequently in hotels / higher end dining places.

Most small pop shops still accepting QR.

This affects the most to TnG users who travel to China as e-wallet is the main payment method in China.

I have not seen merchants or any restaurants accept our Visa/Mastercard during my 1 week travel in Guangzhou China last month. (I did not spend in high end merchants or hotel)

Our TnG is widely accepted in China, we can scan their Alipay QR and they can scan our QR without fail. We directly can see how much the rate in ringgit after we scan China Alipay QR. I can say TnG exchange rate is quite similar to Mid valley moneychanger.

So now TnG want to charge 1% conversation rate, I think it's is acceptable, it would be similar to bank rate. Just slightly higher than money changer.

P.s. I did not spend a single cent of cash in China. I did exchange some cash from mid valley moneychanger before I depart to china mana tau cash has no use at all. now I gonna exchange it back. Sudah rugi.



This post has been edited by la bella: Apr 8 2024, 03:54 PM

Yes. I can confirm, I recently use Alipay to pay for China hotel online Ctrip, there's 3% fee.

Why cannot? The difference of rate between CC and T&G is not that huge anyway unless you tell me you are spending RM10k everyday. Been using CC and Wise card for my travels and never had any issue. The best part is, some ppl topping up T&G with cc . This one really topkek.

Wechat with visamaster got charge?

This post has been edited by Alert_RaZO: Apr 8 2024, 03:55 PM

Yes. Been there done that. I link my Visa card to Alipay app for public transport usage during my china trip.

I link my Visa card to Wechat and Alipay app, my transaction got charged the bank conversation rate.

some CC might be low one

or the rewards > benefits i.e. got cashback promo for spending etc

personally i dun really like using ewallet overseas whenever possible apart from SG and PH with grab only

i also noticed this tng now got charge for cc convinent fees. wth, but the auto reload feature didnt so i just continue to let it auto reload only.

if u don care about the conversion rate ofcoz no issue to u lo, i care so that is an issue for me

even 2k transfer of sgd per month for example cimb vs wise can have RM35 different 1 so i will compare first before converting.
can share 1 example of ur tng vs cc spending example to see the diff?

I think you need to have a China bank card to use Alipay. I think TnG is linked to Alipay+

Few months ago, with TnG, the merchants need to scan your code. And not vice versa.

This month, it can work both ways

Kasi guna dulu test water then now banyak orang travel and use it do decided to charge lo.. nak cover costs also mah haha

Yeah just back from biz trip in china cause use touch n go ewallet to scan.. no charge yet..

Not necessary.