Pros and Cons of Mercury Drug MyWallet VISA Debit Card

I applied for the Mercury Drug MyWallet VISA Debit Card mainly for PayPal verification but in the long run found there was more I could do with it. Over time, however, I understood one card does not always fit the bill.

PROS

Anyone who has ever worked as an oDesk/Upwork freelancer may have heard it to be an alternative to Unionbank’s EON VISA Debit Card. The EON VISA Debit Card was primarily embraced by most freelancers as an viable verification method to lift the imposed minimum amount of fund transfer on unverified PayPal accounts. The Mercury Drug MyWallet VISA Debit Card fulfills the same aforementioned purpose, but while EON has to be linked to a savings account (fundamentally when you apply for an EON VISA Debit Card you are likewise applying for a Unionbank savings account), the Mercury Drug MyWallet VISA Debit Card is the opposite – one does not have to open a savings bank account or be a current RCBC account holder to meet all requirements for the MyWallet VISA Debit Card.

I use my MyWallet card to swipe my Mercury Drug purchases and I earn Suki Points for it. Never had a problem swiping purchases at local garments shops, restaurants, and coffee shops here with it as long as the stores accept debit card payments.

LBC Express, a cargo and courier service, is a ubiquitous institution here so reloading a MyWallet VISA Debit Card is speedy and simple. The reloaded sum is reflected promptly and I always sign in my RCBC AccessOne after the reload transaction to verify if the funds are available for use. Yes, you can view the balance and transaction history of your MyWallet VISA Debit Card using the RCBC AccessOne mobile app. You would need to apply online for the RCBC AccessOne first.

CONS

I use the Etsy mobile application for purchasing crystals and gemstones. Once I encountered a problem with my MyWallet VISA Debit Card not going through and I got stuck with an error message saying my card was not accepted. I had to change to a SmartMoney debit MasterCard and only then did my order go through. Some merchants do not accept the MyWallet VISA Debit Card and you’d be better off with a SmartMoney debit MasterCard if you have one.

With respect to booking cinema tickets online in advance, a year ago I discovered that sureseats.com and limketkaicinemas.com employ the online payment gateway service, iPay88. iPay88’s website is where you’ll get redirected after choosing your seats online for debit/credit card payment confirmation. It seemed iPay88 did not support MyWallet VISA Debit Card.

Recently, though, I tried booking tickets online using my MyWallet VISA Debit Card and it looks like the merchant restriction has been lifted – my ticket purchases went through. I would still caution the use of MyWallet VISA in other online purchases as a customer service representative had once advised that some merchants do not accept the MyWallet VISA Debit Card.

 

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Those are the pros and cons I have discovered so far. I would definitely recommend anyone who can’t open a Unionbank EON account or can’t get accepted for debit card applications in other banks to opt for the Mercury Drug MyWallet VISA Debit Card.

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