Posted in Mobile App, Travel

Grab Pay By Moca

I get it that progress and change go together. Unfortunately, it was not a seamless transition from Grab Pay credits to Moca Wallet by Grab Vietnam.

My last week in Ho Chi Minh was beset by trivialities such as seeing my Grab Pay credits get replaced by a Moca Wallet activation and debating whether or not I should exchange my Vietnamese dong into Thailand baht within HCM. Things have a way of working out to your favor by the time you’re done stressing over it but the Grab Pay by Moca problem still confounds me so I hope this helps anyone who’s encountered the same problem I did.

So, where did my Grab Pay credits go? When I tapped on Activate for Moca wallet, I had this inkling it would involve locally issued ATM cards. I knew this from attempting to register to a number of Vietnamese mobile apps which usually exclude international cards from being linked to the mobile app account. Moca Wallet was no different.

I could still pay rides using my GCash MasterCard or GCash AmEx by changing the payment method before confirming a Grab ride booking. I tried it with a few discounted rides (ones which charged me 0 VND) until I booked a Grab Bike ride with a promo code which required 2,000 VND to pay, which is like Php5 or PhP6. It was strange that my GCash MasterCard could not successfully deduct Php5 since I’ve used it before to top up Grab Pay credits in Vietnam and have used it in Thailand for paying Grab rides. I had PhP1, 750 in my GCash balance.

 

I thought it was a MasterCard-related issue or a GCash faux pas. I tried it with GCash AmEx and with a Visa card issued by another bank and I still would get the Unsuccessful error message.

Processed with MOLDIV

 

Like other Grabbers in Vietnam, I was left with no choice but to continue with cash when I took a Grab ride to the international airport.

But, lo and behold, shortly upon arriving Don Mueang International Airport in Thailand, I got the long-awaited “Success” message. Of course, I inserted my AIS sim back in the plane and once I disabled Airplane Mode I updated my Grab profile’s country and sim number.

The app prompted me the 2,000 VND outstanding balance before I could book a ride. I re-entered my AmEx number as I intended to use it for pay with the airport to hotel fare with the same card. It didn’t even take me many attempts to be able to see the “Success” message. I received a text notification of the amount deducted.

Grab Support reached out to me again to follow up my concern. I replied that the problem was solved once I was in another territory and pointed out that the REAL problem was Grab Vietnam’s forceful Moca wallet activation.

 

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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.