Posted in Finance, Mobile App

PayPal to PayMaya Add Eligible Debit Card Problem

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On November 5th I was able to successfully transfer funds from my PayPal to PayMaya and it was instant as usual. The next day I encountered a problem when I attempted to transfer again. I was redirected to a page prompting me to add an eligible debit card. My PayMaya Visa Debit Card which I have been using for a few years does not show up as one of the options for instant transfer. Even when I tried to reenter my PayMaya Visa Debit Card again, it still would not show up. None of my other Visa Debit Cards would show up either.

 

In PayPal Community I found posts detailing the same PayPal Visa Debit Card problem.

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I contacted PayPal about it and even the links provided did not work. It took me back to the same “add eligible debit card”. They did admit the problem was mainly caused by their so-called upgrade.

 

The problem with this PayPal representative was carelessness – the link provided did not work because it should be “moneytransfer”, not “moneytransfers”. When using the correct link http://www.paypal.com/moneytransfer, my PayMaya Visa debit cards appeared in the options:

I have no doubt that it only affected some PayPal users. But as of today I have noticed that the number of users who have encountered the add eligible debit card problem has increased.

On November 13th I decided to try to create a PayPal account for my mother who also has a verified PayMaya account. I got her PayPal verified and linked her PayMaya account to it. I transferred my USD funds to her PayPal and through her PayPal account, I transferred funds to her PayMaya account. To my relief the “add eligible debit card” did not pop up as her PayMaya Visa Debit Card appeared as a transfer option.

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The amount was successfully transferred.

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I tried it with a smaller amount like $22 to see if the PayMaya Visa Debit Card problem would occur. Sadly, my second attempt to withdraw funds to her PayMaya account failed.

On November 20th, I tried to withdraw PayPal funds to her PayMaya account with the full amount I intended to withdraw. The transfer went through without an error.

If you’ve landed on this page via a Google search, I just want to let you know the problem is merely on PayPal’s end and not with PayMaya. Patience is required as for my experience this is the third week I have not been able to use my own PayPal and PayMaya for instant transfers. PayPal’s customer support will answer you with canned responses as they definitely do not know when the “add eligible debit card” problem will end for some users.

Posted in Finance, Mobile App

Tracking A TransferWise Delay

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While researching online for platforms to transfer and receive money within a day, I would often read TransferWise being mentioned in some forums. I signed up sometime July or August but only got to use TransferWise’s services in October when attempting to transfer USD to my VND account. Even though their exchange rates fare better than PayPal and some others, I had to learn about tracking a TransferWise delay for my third TransferWise experience.

I went through a verification process pretty much like the same one I went through with Skrill years ago. The difference is my Skrill verification was approved in less than a week compared to my TransferWise verification. I made sure I uploaded the right documents as required but no one from customer service or whoever was assigned to look into it bothered until I had to send an email to remind them I did upload the correct images. On the TransferWise website I could see the list of images I repeatedly uploaded for which I was not getting any confirmation. I simply used the TransferWise mobile app so I did not have any way of knowing how many images I have already uploaded.

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It was frustrating.

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For the first two USD to VND transfers I made, the funds appeared in my VND account in less than 2 hours. I was mindful of the estimated time. The TransferWise mobile app will always indicate when you can expect your funds right before you confirm the payment for the transfer.

The third transfer was a bit vexing because of the delay – after 7 hours, I still did not receive the funds. It clearly indicated I would get it within the day but a 7-hours TransferWise delay is not normal considering my experience with the previous transfers.

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So what went wrong and why was there a TransferWise delay? Their remittance partner was what went wrong and here’s how I found out.

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Tapping on View Transfer Details will bring up GET PDF RECEIPT.

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I did go to my bank branch to ask them if there was any pending transfer and I was told my account balance was up to date. I figured there must be a way to communicate directly with TransferWise’s remittance partner without waiting for the next day (I wasn’t getting any reply from TransferWise either). These are clear-cut processes and the only way a platform such as TransferWise gets to promise less than a day transfers is if they have a local remittance partner.

The bottom of the PDF receipt says:

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Tranglo does have a website and I was able to connect to an agent via live chat.

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Less than an hour after that chat, I received a reply from TransferWise.

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Well, the bank clearly didn’t hold my funds as there were no funds to hold. I’m surprised they are still told to answer queries in that manner when customers know the obvious. The clearer version of the story was from Tranglo.

An hour after that chat, I received the confirmation from my bank’s mobile app that the amount has been credited. Took 10 hours for this to be rectified and, of course, Tranglo had to be the one to quickly resolve it because TransferWise had already done their part.

I still would recommend TransferWise because of their exchange rates. If you experience any TransferWise delays, make sure to check the pdf receipt of the said transfer so you can follow it up with their banking partner.

 

Posted in Finance, Mobile App, Telco

PayMaya Non-Dispense Dispute

You’ve only ever read about my complaints regarding GCash when it comes to non-dispense disputes as it has happened to me twice in Vietnam with two different bank ATM’s. Unfortunately I can now also add PayMaya to that list.

I had been frequently using my PayMaya physical card for ATM withdrawals since August 2019 in Bangkok and decided to continue using it upon coming back to Ho Chi Minh because it seemed the PHP-VND rate was better compared to PHP-THB.  Because I had gotten paranoid with 2 non-dispense incidents with GCash, I decided to follow my former landlord’s advice in the past about only transacting with either Sacombank or Vietcombank ATM machines.

That theory was busted when upon attempting to withdraw money on a Sacombank ATM on September 25, 2019 (the same bank ATM which I had been withdrawing money from for 3 weeks before that), I read an error message on the screen which says “Your bank does not allow you to perform this transaction”. I took out my card and reminded myself not to panic while looking at the balance in my PayMaya app. Nothing deducted. I reinserted the card and tried to withdraw again and my fears had materialised. I was shown the same error message and what’s worse, no money nor ATM slip came out but my PayMaya balance has already been deducted for the failed attempt.

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I went straight to the bank manager (even though I knew there was nothing they could do on their end). I was told the proverbial “contact your bank or card issuer”.

I contacted PayMaya via email but it wasn’t until a week has passed when I received a reply from their support team. Inside my head my good impression of them was already waning. Their so-called support team is inefficient and those who have responded to me were a bunch of liars. I was repeatedly told that their escalations team has tried to contact me many times via my mobile number. Well, guess what, my sister in the Philippines who has had my Smart postpaid sim inserted into her iPhone 5 cellphone has not answered any calls from someone claiming to be on PayMaya’s bogus escalations team before, during and after the email exchanges.

Since I was not getting any straightforward answers via email, I even took to the App Store review on the PayMaya app. Similar to their email support, it was only a waste of time.

I had begun to compare PayMaya’s support with that of GCash support and I can tell you right now that you can at least count on GCash to answer you honestly and promptly. PayMaya’s customer support will tell you comforting lies.

I expected the reversal of the non-dispense issue by October 16, 2019 because having already experienced it with GCash took me 3-4 weeks. Surprisingly on October 9, 2019 at 11PM, the reversal was already reflected in my PayMaya balance. The resolution took 14 days.

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The resolution time for non-dispense dispute is perhaps one of the striking advantages PayMaya has over GCash. GCash could refund my funds in 3-4 weeks only after submitting a dispute form while PayMaya could complete it within 2 weeks.

 

 

Posted in Finance, Mobile App, Telco, Tutorials

GCash versus PayMaya

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I have held off on writing about a GCash versus PayMaya article because until two months ago I was only a heavy GCash user. It’s pretty much evident I’ve encountered many problems transacting with GCash and that’s why I have been using my PayMaya account more frequently. Read more below for my GCash versus PayMaya update.

ATM Non-dispense Issue:

With my GCash MasterCard I have experienced non-dispense issues with an international bank’s ATM twice, spaced exactly a year apart. I detailed the first one here and the second unfortunate one happened earlier this year. The refund took 3 weeks. The solution I found for GCash non-dispense issue with international bank’s ATM was listening to the advice of my landlady’s son – to only use Sacombank’s ATM for withdrawing funds. I cannot discount the probability of the currencies involved for the conversion from Philippine Pesos to Vietnamese Dong as the factor for the ATM error. In Thailand, I have not had non-dispense issues using my GCash MasterCard (let’s not tempt fate!) but I do stick to one ATM machine only when withdrawing funds.

I have not used PayMaya to withdraw funds in Vietnam but have used it frequently this month in Bangkok and I can say I can go to my preferred ATM and not get paranoid as much as I would have when using GCash MasterCard.

Currency Conversion:

The caveat, though, when using the PayMaya Visa debit card for withdrawing funds at my preferred ATM here in Bangkok (Siam Commercial Bank), is the currency conversion. For example, XE Currency Exchange would tell me the exchange rate between PHP and THB is 1.67 but my PayMaya Visa ends up being charged using the 1.74-1.77 exchange rate. I believe this is purely a Visa issue and not PayMaya’s per se.

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When I use my GCash MasterCard at a Siam Commercial Bank, it doesn’t assume the bank’s conversion rate for me. Rather, the ATM’s screen would prompt me to choose between “Yes” or “No, continue without conversion” once it shows me the bank’s exchange rate. Tapping on the latter saves me a bit more compared to using my PayMaya Visa.

When using PayMaya or GCash abroad for withdrawing funds at an ATM, the exchange rates with Visa and MasterCard are things you should consider.

Another type of transaction where I could really feel the pinch when it comes to using the PayMaya Visa debit card is with Agoda hotel bookings – typically those reservations which are “Book Now Pay Later” where the booking is guaranteed with a card and will be charged a few days before the check-in date. Using a 7-day reservation as an example, I notice I would get charged 7,500 PHP with my PayMaya Visa as opposed to only 7,200 PHP using my GCash MasterCard. I’ve paid bookings with both cards for over a 4-month period to notice the difference. Despite Agoda’s high exchange rates, I would still suggest using a MasterCard.

Ability to Transfer Funds:

I can transfer funds from my GCash to PayMaya via the Send Money > Send To Bank option in the GCash mobile app. PayMaya, on the other hand, seems to have already disabled the transfer funds or send money to GCash feature for quite a long time. GCash does this via InstaPay and it is as promised – instant – and free, too.

PayPal Transfer:

Many have encountered delays when it comes to PayPal to GCash cash-ins. The good news is PayMaya is just as quick when transferring funds from PayPal to PayMaya but I would advise you to convert your USD to PHP first before attempting to do so.

Customer Support:

If you want to quickly resolve your GCash cash-ins via PayPal delays, I would advise you to go to a nearest Globe center and report the problem to a Globe agent. If you cannot go in person, you can write an authorisation letter and send someone instead to lodge the dispute case for you. Do not attempt to call 2882 when the Globe agent advises you to do so after filing your dispute for refund – have a Globe agent call 2882 for you on their mobile phones. It is really stupid how calling 2882 only works when a Globe agent is doing so on your behalf.

Even though I have often stressed sending a dispute form to GCash’s email support – support@gcash.com – nothing beats going to a Globe center in person or via a proxy to have your GCash disputes quickly resolved.

Needless to say, I have not had delays with PayMaya transfers. I should warn you, though, that it is pointless to contact PayMaya’s email support or message them via FB Messenger (PayMaya Cares). I once contacted PayMaya via email and they only replied to me after a week and the customer service agents made the situation even worse because their replies were all false promises and lies. With PayMaya it is best to wait for the disputed funds to be available. Don’t waste time contacting them unless it is for an upgrade follow-up.

System Maintenance Glitches:

GCash users would usually get notified of system maintenance updates via text message. This means all GCash transactions attempts will be disabled. I noticed GCash would schedule theirs between 10pm-2am. Last month I had a problem with an Agoda “Book Now Pay Later” booking because of this system maintenance incident. The funds for the booking were supposed to be debited from my GCash MasterCard by 1am Bangkok time. System was still down by 2am and because I had set my Agoda booking to auto-debit my GCash card, the inevitable system glitch took the amount from my GCash balance. When Agoda attempted to charge my card again later that day, it was unsuccessful because GCash had the funds floating somewhere in my account. Agoda verified they had not received the amount so my booking ended up being unpaid.

As I mentioned above, I requested my mother to go to a Globe center on my behalf and a Globe agent showed her a printed statement of my GCash account which proved Agoda did not receive anything. My funds were returned 3 days later because of that crucial printout. If I only relied on email support, the funds would have been returned to me 3 weeks after.

The solution I found for the problem I described above was to transfer my GCash funds to my mother’s GCash account as she also has a GCash MasterCard. During the day (when there is less likely to be system outages), I would email Agoda to request for a change in the card (my GCash MasterCard) associated with the booking). Within a few minutes I would get a call from an Agoda agent and I could then enter my mother’s GCash MasterCard via the secure line for card change.

Rebates:

I would occasionally get coupons or discounts with my GCash account but I could not use them overseas. PayMaya has a lot of promos and rebates especially when I’m using my PayMaya physical card to buy groceries or swipe my card for in-store purchases. I received PhP1,000 in September 2019 and in October 2019 I got rebates of almost 100%.

 

Posted in Finance, Mobile App, Telco

GCash Wallet Cap Exceeded

A GCash user would encounter the “Wallet Cap Exceeded” message when attempting to transact in the GCash mobile app beyond his or her monthly limit. There would also be a corresponding text message notification from 2882 which would appear to be something like, “Sorry, you will exceed your transaction limit. Please try a smaller amount.”

A Basic Member level in GCash has a transaction limit of PhP50,000 monthly while a Fully Verified Member can have incoming and outgoing transactions of up to PhP100,000 monthly. One person can have multiple GCash accounts, but GCash may as well mean the transaction limits apply to one person nothwithstanding the number of GCash accounts.

My GCash account shows up as Fully Verified in the GCash mobile app.

But every time I check my transaction history after the third week of the month, I would find my online purchase/ATM withdrawal/send money to another GCash user attempts would be halted when the amount hits PhP50,000.

Few years ago my sister had inquired about this with the support team at a Globe center and she was told my Fully Verified account is good for a PhP100,000 monthly transaction limit.

I recently am having this problem again and decided to send an e-mail to GCash Support earlier today to clarify.

Here’s what my GCash MasterCard and GCash AmEx statements currently looks like:

Hope GCash support can clarify.

UPDATE: MAY 14, 2019

GCash Support could not give me a clear answer at first until I pestered them to stop sending me templates which does not address my question properly.

I was then told that as a Fully Verified member I am allowed the PhP100,000 monthly transaction limit. What this means is if I cash in PhP50,000 plus worth in a month, I would have already reached my monthly transaction limit if I spend or transact away all of that amount from ATM withdrawals, bank transfers, money transfers to other GCash numbers, online purchases, shopping, etc. PhP50,000 cashed in and PhP50,000 cashed out equals PhP100,000.

I wish they would rectify the transaction limit table. Wallet Size makes it confusing as it can be misinterpreted as PhP100,000 allowable cash-in.

That clears up the GCash wallet cap exceeded issue. It’s still a good idea to either have multiple GCash accounts and get a PayMaya account, too.

 

Posted in Finance, Mobile App

MasterCard Payment Glitch

You might have had a similar experience I did regarding a MasterCard payment glitch when a POS swipe machine would register a ‘payment not accepted’ error. Probably you’ve had successful transactions using your MasterCard with a specific store and then suddenly two consecutive attempts on separate occasions deters you from swiping it again. Sometimes the problem would be in one specific store and the other stores seem to not have a problem with accepting payments from it.

I would normally purchase my afternoon tea or frappe at a McCafe nearby with a MasterCard but until two weeks ago I had to use my alternative Visa card because of the payment not accepted error. I could still use the MasterCard to pay for my groceries. It could be McDonald’s POS system not functioning properly but I attempted to use it the week after that and it was still unsuccessful.

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The curious thing was the same MasterCard is connected to my LINE Wallet and when I used my personal scan code (which I had set to automatically charge my MasterCard) for the Rabbit Line Pay machine, the payment came through just fine. So that rules out a possible system outage on the part of MasterCard.

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This is why sometimes having a mobile wallet is advantageous. I could not really point out where the real glitch came from and I was glad I was observant that there always had been a Rabbit Line Pay beside McCafe’s POS.

 

Posted in Finance, Mobile App

iCloud Storage Renewal Payment Method Declined Error

Few days ago I contacted iTunes Support for my problem in renewing my 50GB iCloud storage. The error had to do with my payment method being declined. I received a prompt response but not a satisfactory answer.

I purchased a track on iTunes on September 30th and the MasterCard which has always been listed on my Apple ID has been successfully charged the corresponding amount. Three or fours after it was already October 1st and I received an e-mail:

On 30/09/2018, we attempted to charge you for your 50 GB iCloud storage plan, but there is a problem with your payment information. Your account will be downgraded to the free 5 GB storage plan if we cannot successfully renew your subscription.

Before I was able to open my mail,  I was able to buy some gold bars in Candy Crush. Now, purchases have to be verified by an Apple ID password before they go through. It’s odd that my other in-app purchases would go through except the iCloud storage renewal.

I followed the usual steps to update the billing information on my Apple ID. I tried it thrice and the payment method declined error persisted. I contacted iTunes support and I was told the same answers which I already knew and tried prior to getting their response but those didn’t work.

One tip they would insist on is the name and billing address should match etc etc. My billing name on Apple ID does not match what the MasterCard says but my purchases went through before that (including the iCloud storage renewal).

The unaddressed problem here either lies with iCloud’s or MasterCard’s but, of course, iTunes Support cannot address that.

I solved the problem by changing my card on file to an American Express. Mind you, the billing name and postcode on file does not even match with that of my AmEx’s.

Posted in Finance, Mobile App, Telco

GCredit by GCash

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It has been a while since I started seeing “Beta version” and “For selected users only” whenever I would click on the GCredit tab in my GCash app. Few of my friends and relatives who have GCash have had their GCredit working for them when they do QR shopping. I had better GScore on my GCash mobile app than they did but I was quite late to the party. I thought it probably has something to do with the fact that my Globe number has been on international roaming for close to a year now.

Then last week I got a text notification that I have been approved for GCredit.

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My sister and cousin had been approved for P2,000 but I had not expected mine to be P5,000.

GCredit is not without its disadvantages – some GCash users who have been known to have regular cash flow coming into their GCash accounts might suddenly stop using it once they can no longer afford to fund their GCredit interest. I have heard a few unpleasant stories about GCash users’ balance being automatically deducted because of their unpaid GCredit interest. As with credit lines, moderation is always key.

For the meantime, its advantage for me is the pay bills part. I can pay my Smart postpaid bill with GCredit. It’s a measly P999 monthly plan which I have not really utilised for 10 months straight. Sending money to other GCash users is not available with GCredit.

How does one get approved for GCredit? Just keep using GCash to pay your bills, buy groceries with the QR Code shopping or top up mobile numbers with it and in no time your GScore or trust score will move up.

Posted in Finance, Mobile App, Telco

Skrill To GCash Withdrawal Problem

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For a few years that I’ve been a Skrill member, I have also experienced Skrill to GCash withdrawal problem before and I’m surprised the Globe number 0956 prefix problem is still a huge topic in some forums. Some forum posters have pointed out one needs to enroll a Globe number with a lower prefix into GCash and add it to one’s Skrill mobile wallet.

I am bringing this topic to light again because my cousin recently encountered a Skrill to GCash withdrawal problem specifically with the error “Recipient number can not be found, please review and try again.” He has a freshly verified GCash account so what could have been the problem? His Globe number has a 0906 prefix so this somehow botches the lower prefix theory.

In 2015 I had bought a Globe LTE pocket WiFi at 50% discount and the following year I decided to use the SIM card included in it as my GCash AmEx number. Not long after I decided to apply for a GCash MasterCard because I wanted to have a GCash physical card with me. Right off the bat I already noticed a problem with the new SIM card the agent suggested I enroll for the GCash MasterCard –  the text notification for the GCash registration did not arrive instantaneously and he had to pry open another SIM card packet before he got a successful registration.

I was able to add both of my GCash numbers – the AmEx and MasterCard ones – to my Skrill mobile wallet. It tricked me to think both numbers would be working fine for Skrill to GCash withdrawal. I was already using the GCash AmEx number to withdraw on Skrill and never had a problem with it. Adding the GCash MasterCard proved pointless thereafter when I would get an error message with every withdrawal attempts. Luckily with my 0995 GCash AmEx number already on file, I could (and still can) successfully withdraw from Skrill to GCash instantly and I would then transfer the GCash AmEx funds to my 0956 GCash MasterCard.

For my cousin, this solves his Skrill to GCash withdrawal problem for the meantime, which means he would have to do the Skrill to Skrill transfer and I would have to withdraw to my GCash Amex, forward it to my GCash MasterCard and lastly to his GCash account. Good thing the whole process is instant.

I don’t think we simply have a lower or higher prefix number problem here for Skrill. As has been known with Globe’s practice of recycling inactive numbers, you can bet it’s possible the root of the Skrill to GCash withdrawal problem error “recipient number cannot be found” is that some GCash numbers, regardless of prefixes, were once nulled or deactivated and along the way some quality control went awry.