Digital payments/Cashless payment methods in Taiwan

[Mataiou]

So frigging many pointless mobile wallets since every fucking merchant wants to pay less in acquiring fees. FFS, it would be so much smoother to have a widespread card acceptance and the usual Google/apple pay for a more seamless experience. U need to jostle among so many different wallets here, not convenient at all.

[Andrew]

I’ve been pretty happy with JKOPay, especially with the 3% coins cashback after linking to my Richart account, although that’s ending at the end of this month. It works in convenience stores and Carrefour, and between that and credit cards I rarely need anything else.

I have Line Pay too, but I don’t think I’ve ever used it. And the PX Mart app, but I can never be bothered completing the setup so just use cash on the rare occasions I go there.

[Mataiou]

I basically use Jkou (linked to the HSBC diamond cashback card, which I can actually convert the cashback points to miles with a 3% cashback rate, 6% if I hold 300K+ in HSBC account), Line pay only when Jkou not accepted, but my go to is just cards (DBS flying world MasterCard). At Costco only the fubon Costco card, at PX mart I have to use the PX mart app linked to my Cathay United Eva card (although no miles accrued at PX mart…)

[Explant]

@fonserbc

So I went to E.Sun yesterday to ask about this and, even though they didn’t attend me in English and my mandarin is simple conversational, I managed to understand that the 5% overcharge that shows in the debit card app is an amount they secure on transaction, but then if I check the end-of-the-month statement, and my bank statement, it shows separately from the base price and they told me it is a 1.85% in my case.

So yeah. Purchases of digital products to Apple cost me an extra 1.85% (likely to Google too).

So as I see it, because Apple doesn’t want to pay income taxes in Taiwan for digital goods, and funnels its purchases to Ireland, I have to pay my bank 1.85% extra. Thanks Apple.

It’s how Apple can keep their prices down to give the consumer the best possible experience without breaking the bank. You didn’t know?

[comfy123]

@Mataiou

I have to use the PX mart app linked to my Cathay United Eva card (although no miles accrued at PX mart…)

Richart gogo card gives 3.8% at PX mart but I think it is ending soon