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.

 

 

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Posted in Finance, Mobile App, Telco, Tutorials

GCash MasterCard Refund

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I have read some posts in the Globe Community forum about user complaints not getting their Lazada refunds or any other chargeback promptly and by promptly these dissatisfied GCash users mean months. Trying to contact 2882 or constantly badgering their customer support via their Facebook Messenger account sometimes can be a waste of time.

I, too, had purchased an item on Lazada Thailand’s website which the merchant eventually cancelled and I waited for 3 months because I had placed so much trust in the system to automate the refund itself.

What you need to know is on Lazada’s end, it would only take less time for them to process the refund. The tricky part is on GCash’s part. This GCash refund problem seems to happen more to GCash MasterCard accounts. This is just my observation as  I also own a GCash AmEx and with the latter it’s never taken months for refunds to arrive to my GCash AmEx balance.

How did I get my Lazada refund to my GCash MasterCard resolved? I filled up the Dispute Form and e-mailed it to gcashinquiries@globe.com.ph. It’s very important to remember that sending them an e-mail with a description of your problem won’t do it – always always always fill up the dispute form, tick the correct concern and send them additional proof like receipts or a screenshot or communication exchange with Lazada or some other company you are awaiting refund from.

My Lazada Thailand purchase was made in April this year but I did not file the dispute until early August. However, once I filed the dispute with GCash, I was able to get my Lazada refund in less than a week. You will know when the refund because you will receive a text notification which usually looks like this:

Upon review of a previous transaction, we have now credited PXXX.XX to your account. Your new balance is PXXXX.XX. Ref. No. XXXXXXXXXX. 

In order to completely fill up the dispute form with the correct details, you might want to have your transaction history e-mailed to you. You can do this right within the GCash mobile app. You can even select the specific month when you made the online purchase. The transaction history will contain the 10-digit Transaction Reference number. If you know the date but don’t remember the exact time you made the purchase, you can look for the e-mail confirmation of the online purchase sent to you by Lazada or some other merchant. The time on the e-mail and the time on the GCash transaction history should match. The 10-digit Transaction Reference number is the one that GCash support will refer to in their records for their review.

As of this writing, I still have 3 more pending refunds in this order: from Booking.com’s promotion, from Google AdWords, and from iHerb. The last two were July purchases so they should come in within this month.

What if you are expecting a reward for an online promotion and you entered your GCash MasterCard for it? That’s what happened with my Booking.com’s 30% reward from a  hotel stay promotion Booking.com had back in June. The e-mail confirmation stated that $12.70 was on its way to the card listed on my account. July came and went but there was no ingress of $12.70 on my GCash MasterCard. Of course, this was a hotel stay paid for in cash so there was no 10-digit GCash transaction reference number to look in the transaction history for. In this kind of scenario, you would need to contact the merchant to follow up with them regarding the reference number on their end and forward it to GCash.

I will post an update for the 3 remaining refunds I am expecting.

Posted in Android, Food Delivery, Lifestyle, Mobile App, Telco, Travel

Best Mobile Apps in Vietnam For Expats and Tourists

My first travel experience in Vietnam was not a very pleasant one and looking back, I knew I had to write about this guide to the best mobile apps to use in Vietnam for tourists and travelers. These are the best mobile apps to use in Vietnam whichever city you may be in:

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GRAB – I will primarily start with the transport service mobile app Grab because of that not so pleasant incident when I first arrived in Ho Chi Minh via the land border. When you don’t know the language of the place you’re going into in Southeast Asia, Grab can be trusted to give you the correct fares and take you safely to your booked accommodation. It’s not uncommon for unsuspecting Ho Chi Minh tourists to report being charged ridiculous exorbitant fares by unregistered taxi drivers. If you came from a neighbouring country like Thailand, Laos or Cambodia and you already have a Grab account, you can still use your Grab mobile app to book a ride to get to your hotel. If you’re coming to Vietnam via the land border, you’ll be glad to know some buses offer free WiFi and this will allow you to book a Grab ride long before the bus leaves the drop-off spot. If you’re coming in via an international flight, the airports offer free WiFi too.

I personally have taken more Grab Bike rides than the Grab Car/Taxi ones because I prefer to look around and explore.

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GOOGLE TRANSLATE – There aren’t a lot of Vietnamese on the street you can ask clear directions or recommendations about so you need Google Translate mobile app for communicating with them.

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Google Translate mobile app does not always get it right but it can get across the general idea of what you’re trying to inquire.

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MY VIETTEL/MY MOBIFONE – If you intend to stay longer than a week, you might want to get serious about buying a local SIM card. You can see Viettel and Mobifone SIM cards being sold in airports and some currency exchangers even sell them. Once you have bought a SIM card, you can download the corresponding mobile app. I had a brief experience with using Mobifone last year so I cannot write about it. I’ve used Viettel the longest. You can top up at Circle K or Vinamart convenience stores or any stores with the sign boards Viettel or Mobifone.

A local SIM card is very useful for answering your Grab driver’s calls. Even if I don’t understand the driver, I would ask for help from a guard or valet nearby to assist me by letting them talk to the driver on my behalf. No need to be shy. It’s also useful for food delivery.

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NOW.VN/FOODY – NOW.VN or Foody is a food delivery service with many merchants to use from ranging from lunch, drinks, desserts, or fast food. There are a lot of healthy choices and some stores offer discounts. My only problem with NOW.VN is the debit card limitation – it won’t accept my home country-issued Visa and MasterCard debit cards. I’ve tried only to be greeted with a card declined confirmation.

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I could only pay in cash for my orders. However, you will be granted 1,000 VND credits to your Foody account after a completed delivery.

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VIETNAMMM – Vietnammm is also a food delivery service although it’s not as varied as Foody, its best feature is the availability of PayPal as a payment option. I did compare the menu of one restaurant which is also listed on Foody and the latter has one item more. You can filter your searches via payment options as well.

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CGV CINEMAS – There are more CGV Cinemas here in Hanoi and I’ve used it to check schedules. Pre-booking cinema tickets is not ideal for those holding a non-local debit card. Again, this has something to do with the same debit card limitation I mentioned with the Foody mobile app. I could only really browse for schedules on the day I’m watching the movie as their schedules often vary. By downloading the app and signing up for an account, you are eligible to earn rewards points for money spent as long as you present the CGV Cinemas mobile app to the ticket counter for QR scanning.

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LOTTE CINEMA VIETNAM – There are more Lotte Cinema branches in Ho Chi Minh than there are in Hanoi. It’s a shame there is no IMAX theatre here, though.

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SPEED LOTTE – I only knew about Speed Lotte mobile app because one store clerk approached me about it and had me sign up while I was browsing tissue boxes at Lotte Mart. Speed Lotte allows you to pick items on their grocery menu and Lotte Mart will have it delivered to your doorstep.

Posted in Finance, Mobile App, Telco, Tutorials

How To Use PayMaya Abroad

PayMaya offers a virtual card by simply registering via their PayMaya mobile app. If you want a GCash debit card alternative, you can definitely use PayMaya abroad and withdraw your funds using a physical PayMaya card.

Since the premise of PayMaya is principally for the purposes of a virtual card, no physical card is provided for the virtual card number you enrolled to by default on the PayMaya mobile app. It is important to note that you can have 2 or more PayMaya physical cards which you can order on the PayMaya website online or in PayMaya booths in malls. Once you have the PayMaya physical cards on hand, you can proceed to link them to your PayMaya virtual card. The mobile app is pretty straightforward when it comes to linking the physical cards. Once your physical cards are confirmed linked, the balance is shared among your physical cards and the virtual card number.

But how do you use your PayMaya abroad? First, you need to ask yourself if you used your postpaid or a prepaid number as your PayMaya login credential. Although you can use your TM or Globe mobile number to initially register with PayMaya, the critical distinction to make is the postpaid or prepaid number.

With a prepaid number, all you need to make sure is top it up with PhP100 for international roaming. With a postpaid number, you will be charged a PhP500 or so per day which is not ideal when you are staying overseas for long.

Second, you need to make sure you have logged in to your PayMaya mobile app before traveling out of the country. Some time ago PayMaya added a security feature for its users via a verification code that can only be sent to your registered mobile number.

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If you registered with your postpaid number as your PayMaya login credential, it means you will need to keep your sim inserted to get the verification code.

The good news is you can still view your PayMaya funds but it will have to be on an ATM machine overseas and not on your smartphone’s screen. Using the PayMaya physical card, you can inquire about your balance by doing a balance inquiry.

 

 

Posted in Mobile App, Telco, Travel

Mobile Apps for International Mobile Top-up

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If you plan to travel outside the country for a while, you need to think about mobile apps for international mobile top-up. Speaking from experience, it is never a good idea to keep your local postpaid SIM inserted on your phone unless you have managed to deactivate the roaming status with your network provider prior to getting out of the country.

If you’re a frequent traveler and you need to change SIM cards wherever you go, I recommend the mobile apps Coins.ph and Mobile Recharge for international mobile top-up. I alternate between the two mobile apps as each has unique services to offer.

I signed up with Coins.ph a few years back and completed the profile verification steps quickly. I knew Coins.ph dealt with Bitcoins primarily and they only extended their services to include mobile top-up not only for Philippine mobile numbers but also for international numbers. I have tried their Buy Load feature with my Philippine mobile numbers and also for my Vietnamese and Cambodian SIM cards and the top-up was successful. You will immediately be notified if a particular international mobile number is no longer working – your Coins.ph account balance will be adjusted.

You can top up your international mobile numbers with Mobile Recharge as well. In fact, M-Recharge mobile app is mainly for that purpose. I have used it in the past to top up my Malaysian and Thailand SIM cards. The only reason I keep Coins.ph as an alternative for mobile top-up is that the available denominations in Mobile Recharge for international mobile top-up are higher compared to that of Coins.ph. The minimum amount for international mobile top-up with Mobile Recharge is at $10 which you can conveniently purchase using your PayPal account. Coins.ph does not have the option to purchase via PayPal as users would have to top up their Coins.ph Wallet first before they can purchase using their Coins.ph account.

There are other web services and mobile apps out there for international mobile top-up but these are the two I haven’t had problems with so far.

Posted in Finance, Mobile App, Telco, Tutorials

RCBC MyWallet to GCash Cash-in

Earlier today I got an alert on my iPhone to update my GCash mobile app and that the new update not only includes the RCBC-GCash and BPI-GCash cash-ins but also a list of their over-the-counter partners right within the GCash mobile app.

For a few months registering GCash within the RCBC Online Banking platform had been disabled. It’s a good thing they have brought the feature back. If you access your Globe sim menu and select GCash > Registration by dialing *119#, you will see the option to register your BPI and RCBC accounts. For a refresher, here’s the video for the registration for RCBC:

 

Update: June 11, 2018

Even though the RCBC to GCash option is available in the GCash mobile app, most of us encounter errors in attempting the feature. It probably works for RCBC accounts which are connected to a savings account but with the RCBC MyWallet Visa debit card (one can apply for this card at any RCBC branches without necessarily having a savings account at RCBC), it seems it’s been disabled again and it’s unclear when the RCBC to GCash cash-in service will resume. I would like to also emphasize that even though there is an option in the GCash mobile app to add your MasterCard or Visa Debit Card for cash-in, adding your RCBC MyWallet Visa Debit card is not allowed and you will only get a text notification that the attempt to add the card is unsuccessful.

There is an alternative, which I have tried for myself yesterday, but it would require you to have a Skrill account.

Requirements:

  • You must have a verified Skrill account.
  • Your GCash account must already be linked to your verified Skrill account. You can add your GCash mobile number under the Mobile Wallets tab.
  • Your RCBC MyWallet, which is a Visa debit card, must be also added to your Skrill account. You can do this by clicking on the tab Cards and Bank Accounts. Even if you do not verify this particular Visa debit card, you can still send money directly via Skrill but there would be a limit.
  • I would suggest you do the RCBC MyWallet to GCash cash-in on the web and not on the Skrill mobile app for the reason that “Philippines” does not appear on the drop down menu on the mobile app.  Skrill needs to update their mobile app for bugs.

Here are the steps to transfer or send your RCBC MyWallet funds to your GCash account:

1 – Under Account Overview and just right under Available balance, there are two buttons for Send Money. Click on Send Direct.

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2 – Since this pertains to RCBC MyWallet, select Credit/debit card.

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3 – Select the RCBC MyWallet Visa debit card to be debited from.

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4 – Review the details.

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5 – Wait for the confirmation.

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Posted in Internet, Technology, Telco

Globe LTE Pocket WiFi Fix

 

I recorded this video as I wanted to share with whoever comes across my page that there is no need to panic when your Globe LTE Pocket WiFi exhibits this behaviour. The simple fix is to replace the usb cable you use for charging it. If a new usb cable does not fix the problem, it’s advisable to have it looked at by a technician.

Posted in Finance, Mobile App, Telco

GCash Follow-Up E-mail

Although I praise GCash for preoccupying themselves with their customers’ security, I still couldn’t forget how traumatizing it was to experience PayPal to GCash cash-in delays thrice.

On June 8th, I received a follow-up e-mail from GCash regarding the transaction I made on June 7th.

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I replied to the e-mail and informed them I have done withdrawals in small batches for more than three weeks already, pointing out to them that in case the initial $15 does not go through, I only have a measly $15 to dispute with PayPal for 6 days instead of a hefty $278.

I hope my reply put things into perspective for them.