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    • It also looks like you have to open a specific app, then use it to scan the code; is that correct? I like that with Apple Pay I can just press my phone's side button two times and then hold it near the reader.

      You're right, it's definitely not as easy to launch as Apple Pay since we need to unlock the phone, open the app, and launch the scanner function, but pros and cons I guess. The inconvenience of launching an app is offset by the convenience of scanning a QR code using any phone and the wide availability of the technology.

      Do you know anything about how these payment servicers handle fraud? For instance, if someone gets access to my GrabPay account or steals my phone and drains my prepaid account, would I have any chance of getting that money refunded? What about with Maybank where the funds come from my checking account?

      As for fraud, I'm not sure how things are handled. I've yet to see any reports of major breaches or even isolated cases, but I'm sure these services have protocols in place for such occurrences.

    • my credit card has 2% rebate for all purchase, capped at RM 50 per month. So by using any e-wallet, as long as I top up using my card, I'll enjoy the rebate. Good thing about e-wallet is that some small business that don't have credit card terminal actually support e-wallet. And I'll be able to use my credit card indirectly and enjoy my rebate by paying through e-wallet apps.

      Sadly it's not all roses and unicorn with e-wallet. Some inconsiderate people will hold up the line at the cashier because they didn't reload and always keep their balance at bare minimum. so everyone behind need to wait for that person to reload. It's even worst if his mobile data is slow. People should always estimate their bill and reload an excess of RM 10+ before queuing.

      And some apps like Boost and TnG is very slow in reloading. Boost server is slow, TnG is the slowest of em all, still need to input TAC to reload. Can't stand TnG slow reload process, end up using their auto reload function. The minimum setting is Auto reload RM 20 whenever balance is less than RM 20.