Announcement

New TS application for this thread is now accepting applicants until 29th Apr 5pm. New TS will be announced on 30th Apr 11pm. (subject to successful TS application round) Update The application round is now extended till 5th May, 5pm. Announcement on the new TS will be made by the 5th May, 11pm

Please PM me on why you should be chosen and your ideas to contribute.
Thread format :

1. Current product information (in detail)
2. Historical evolution of product to be shown in the thread. (Thread started as TuneMoney and now as BigPay) - May use spoilers and to be developed (in addition to the main product info) within 45 days of TS award.
3. Note/Highlight the issuing bank responsible for product. Will disallow any financial products which are not affiliated within the BNM financial/banking framework
4. Accounts referrals are not allowed in any form. (Just in case anyone gets smart and attempt a subtle referral approach) Such posts are and will be removed without prejudice from hereon.
5. TS is expected to maintain updates and respond on the thread content accordingly.

Others
- Appointment of thread TS is not perpetual and may be revoked if TS fails to uphold good character and responsibility.

This post has been edited by hye: Apr 29 2018, 07:30 PM

To Members

Would like to announce that a new TS has been found and will be announced soon once the formalities are executed and completed.

Members are to note that sharing of referral codes, requests and related activities/posts (referrals/referees) which notes/refers referral codes/referees are disallowed and posts will be removed without prejudice. (Direct/indirect posts are included in this T&C) Repeated offenders will be subjected to removal from this thread.

When quoting any form of official announcements from BigPay, members are reminded to post the announcement as a "quote" and provide the link to the post. This is to allow referencing of the information by any members wishing to confirm the earlier quoted information and ensure that announcements purported from financial institutions are of credibility when reposted here.

Members are advised to read carefully and apply appropriate judgement to posts that do not comply to such format. Similarly such posts will be removed without any prejudice.

This post has been edited by hye: Jun 24 2018, 06:17 AM

Dear Readers

Would like to announce the new TS for this thread would be @fairylord.
He would be on probationary basis for the next 90 days and if everything goes well, he be looking after this thread from hereon until a new TS is required.

Conditions to his appointment are attached and has been agreed upon. Please allow a few more days for some technical adjustments to be made to allow TS to come into his role. TQ.

I would like to say thanks to TS for updating the 1st post and provide good fresh informative value to the thread. Great job!

Myself tried almost 20x trying to add the card via Grab app but to no avail. At first I thought it didn't go through but when checking the BigPay app the RM1 verification charge was charged many many times to my horror. Checked the details and all the transaction indicated that it has been cancelled.

Tried to add the card via Grab webpage and it doesn't work too. Maybe TS would like to update the 1st post on this development until the ability to add the card to Grab is sustainable.

Recently I purchased a bus ticket and paid for using BigPay. The payment processor was iPay88 and they did ask who is the card issuer. I selected others and manually typed - BigPay, transaction went through. Receipt shows payment done via "Credit card" with no indication of card issuer.

On another note, members may have noticed their posts removed and this is due to violations on the BigPay referral code which is not allowed.

This post has been edited by hye: Jun 1 2018, 09:12 AM

Feeling a little bit investigative this morning. I checked out the Issuer Identification Number (IIN), first 6 digits for BigPay and this is came out.

From (binlist dot net)
BRAND : Unembossed Prepaid Student
TYPE : Debit
Prepaid : YES
COUNTRY : Malaysia

From (bincodes dot com & exactbins dot com)
Issuing Bank TPAAY ASIA SDN. BHD.
Card Type DEBIT
Card Level PREPAID RELOADABLE
ISO Country Name MALAYSIA


This confirms that TPAAY ASIA is the issuing bank as mentioned earlier by some members. (and not CIMB) I believe a bank infrastructure is still required for them to "keep" the money but this might be irrelevant for us as BP can use any bank they choose.

This post has been edited by hye: Jun 1 2018, 10:22 AM

Transaction classification sharing (if this helps TS)

iPay88, Catchthatbus - Professional services.

If the info doesn't have any value then TS, do let me know.

Debit cards are similar with prepaid cards as they rely on available funds. Yet it is much more accepted in Grab.
The logic is rather baffling.

Yes BigPay offers potentially dual rewards from your credit card top up and use of Big Pay. Bear in mind, (for example) an AA one way flight from KUL to DMK (Don Mueang, BKK) will potentially set you back 10,500 points (excluding taxes).

Relying on BigPay points alone will potentially cost you over RM400k in spendings before you could benefit in this example. (RM400k - you might as well buy the ticket which is cheaper than to spend RM400k) So, please practice spending prudence - the points are just extra which serve as a reward for your regular spendings.

I see the benefit is when you spend in non MYR dominated spendings where BigPay uses a more attractive forex rate vs any other banks. (or even the money changer I think) However one would need to be mindful of the occasional occurrences where BigPay cards are rejected. So, don't throw/keep you credit card + debit cards just yet.

This post has been edited by hye: Jun 2 2018, 10:56 PM

One thing I noticed using this card is that
- transaction is accepted and then it is rejected. (reloading my SG prepaid)
- transaction is rejected and then it is accepted. (pay bills via PayOnline)

Did cause a fair bit of anxiety as not sure whether transaction went through or not. Monies already deducted from BigPay account. In the case of my SG prepaid, prepaid credit stays in my account despite the "rejected" notice which earlier received.

This post has been edited by hye: Jun 3 2018, 01:08 PM

I believe the attraction of this card is the waiver of these fees and attractive forex rates.
Once BP starts to impose these charges then it'll make the card less desirable.

This post has been edited by hye: Jun 3 2018, 01:11 PM

To our forummers,

Appreciate if moving forward the discussion can be kept within BigPay topic. My observations since yesterday that part of the discussions has not kept to this discipline and to remind that those discussions need to reside in their respective domains.

Please immediate cease those wayward discussions and keep to topic.

Thank you

This post has been edited by hye: Jun 6 2018, 09:53 AM

To our forummers, (2nd reminder and final notice)

Appreciate if moving forward the discussion can be kept within BigPay topic. My observations since yesterday that part of the discussions has not kept to this discipline and to remind that those discussions need to reside in their respective domains.

Please immediate cease those wayward discussions and keep to topic.
Subsequent wayward discussions will be removed if the warning continues to be ignored.

Thank you

This post has been edited by hye: Jun 6 2018, 02:01 PM

Do refer to the main page (1st post) for this information. (credit to TS) Nowhere does it state that BigPay provides 10% benefit.
The purported 10% is actually from the cash back card (depending on the credit card used, cash back is up to 10%) used to reload the BigPay.

Please avoid any confusion that BigPay give you 10% - Not True.

Thanks for sharing your experience.

I agree that financial institutions need to put in place risk management barriers to prevent money laundering. If it doesn't comply then BNM withdraw the operating license and face a hefty fine. If you are running BigPay then there's a lot to lose especially in MY 2.0 if you partake in such activities.

It is not just BNM implementing this but the whole Financial world, more so post 1MDB scandal. Even the SG financial sector got tighten up just because of 1MDB and Fintech is widely sought for fraud and money laundering detection. I don't think BigPay is at liberty (or any financial institution in MY) to disclose their risk detection model. That's a red flag in encouraging folks to beat the system which is supposed to protect the entire customer base.

Don't blame BigPay for implementing the block, think about the RM60k you withdraw in 2 months. Does it warrant a suspension ?
I hope members will take note and not to take advantage of the BigPay features for such. The legit users stands to lose.

This post has been edited by hye: Jun 9 2018, 09:28 AM

@HellDevil I think I made it clear that request for referral codes are not allowed in here. TS has posted in the 1st post of this thread.

I've noticed lots of sharing on the monies successfully withdrawn through ATMs. I'd like to caution the members here that the regulators / BigPay staff or administration might be browsing through this forum.

There are members who will be upset if I start to prune posts in this thread and claim such actions is unfair and unjustified. I don't agree with the posts but others may think it is necessary under the pretext of sharing. I'll leave a caution anyway for now.

I'll leave to the members to amend their post accordingly on a voluntary basis.

True it is not wrong. However the frequency and quantum is alarming.
Please inform that to the regulators and/or BigPay administrators and seek their official interpretation and judgement. Some may have a vested interest to do frequent ATM withdrawals thus thinks it is OK (and tell everyone here that it is OK) - tell that to the regulators and seek the rule of law if one has been treated unfairly. Let's see the judgement.

This post has been edited by hye: Jun 11 2018, 05:53 PM

Please name those merchants and not provide statements like such which are in ambiguity. There is no reason for merchants to reject cards which carry MC & Visa logo unless they are rejected by their terminals.

This post has been edited by hye: Jun 16 2018, 05:42 PM

Not all terminals will show dual currency. Often it will just display the local currency. I'd caution users to check the conversion used, they might not be attractive in the local currency.

ID verification is a option that retailers may choose in case they have any doubt of the cards you are using.

Why don't you reset your phone and be more selective in the app that you install? Checking out the phone could be more tedious than a hard reset to the phone.

I agree with the members that your problem is happening rather too often within a short span of time.

I noticed the BP app downtime is getting very frequent now. Hope someone taking note and make a formal complaint to BNM. (don't only rant in social media)

I have concerns when financial institutions don't take "availability" seriously. Shame for Malaysian institutions to be sloppy operating in 2018, where the benchmark is global. Such behaviour will be reprimanded and penalised very quickly elsewhere.