7-Eleven Introduces Convenient PromptPay QR Code Payments Nationwide

[bradiston]

25 minutes ago, Rampant Rabbit said:

Stupidity of  youth..............the convenience of letting your  govt and data brokers monitor everything you do everywhere you go everything you buy all the time, no need to insert chips in new born babies the sheep-le have done it themselves with the "convenience" of mobile phones.

So you don't own a phone?

[Denim]

I find the whole thing of using phones and apps a bit behind the times.

 

About time they introduced a swipe option as in the UK. No need for cash or phones and faster than both. No rummaging around for notes or scrolling to find the app. Just one tap with your card and done.

 

 

 

[Seppius]

22 minutes ago, Denim said:

I find the whole thing of using phones and apps a bit behind the times.

 

About time they introduced a swipe option as in the UK. No need for cash or phones and faster than both. No rummaging around for notes or scrolling to find the app. Just one tap with your card and done.

 

 

 

As I mentioned, you can do this in BigC and lotus stores

[Rampant Rabbit]

59 minutes ago, bradiston said:

So you don't own a phone?

No

[bristolgeoff]

7/11 do everything in the shop or most.If u got a bill to pay 7/11 can do it if other places are closed.Never used that service but i have seen it many times when i wait behind someone

[scorecard]

7 hours ago, watchcat said:

 

What's wrong with showing cash where ever you go?

Nothing wrong with paying in cash.

 

I've heard others say 'the shop / vendor' doesn't take cash any more, only scan.

 

Some street vendors (prepared foods) we use (Chiang Mai) now only accept scan. 

 

A couple of times my Thai son has been buying prepared food, he carries minimal / no cash and he's called me on line 'can you please quickly send me 100?Baht by K Plus'.

 

Life moves on...

[scorecard]

8 hours ago, scorecard said:

 

That's not my experience.

One example, my son's Thai mother in law (78 years old) minimal education, never used a computer uses K Plus scan for everything possible.

 

She's always ready to do the scan, all done in 1 second. Millions of other Thai folks, all ages / all levels of education etc., do the same.

Why is it 'SAD', it's their choice.

[kekalot]

so instead of using the normal way to pay like at Makro, you scan their code and hit next..

they are asking us to go in My QR and we enter the price and they scan?

 

out of those two options, this is definitely the worst one.

job well dumb.

[ftpjtm]

10 hours ago, dinsdale said:

Great news. More time spent waiting for some idiot to get their phone out, scroll through their photos before releasing they need their bank app to scan, couple of minutes to remember their login code and another couple of minutes to work out how to scan. Sometimes it takes way too long as it is. Seven 711 workers in the shop with one serving customers. The other 6 are either stacking shelves, getting home deliveries organised or making drinks.

p.s. It will come in handy though; sometimes.

 

I'm sure on Thai language apps they're complaining about waiting in queue for technophobe farang retirees to fumble through their pockets digging out coins at 7-11. If you know how to use the app correctly (have the phone ready to scan when you approach the cashier) QR scanning takes 1 second, much faster than any cash transaction involving change. 

 

But if you have trouble with technology, please continue using cash, which is still an option. 

 

9 hours ago, TroubleandGrumpy said:

Don't do it - bank apps on phones are a security risk - scanning a QR code when you have a bank app on your phone is a serious security risk.

ขี้…เกียจ ระบายด้วยยาเม็ดเซนน่า 7.5 ตราธงทอง (youtube.com)

เพราะคาสตรอลคือตัวเลือกแรกของคนขี่รถจักรยานยนต์ต์ทั่วโลก (youtube.com)

 

In fact IMO never use a bank app on your phone - or any app/website that can access your money. Phones are a serious security risk - and this is just one of the many security issues they have - and there will be more coming.

 

I've been managing all of my retirement income accounts via computer and phone for decades. I've never had an issue. And if I did I'd know about it nearly instantaneously.

 

If you don't connect your bank account to your phone, you're enabling someone else to connect it to thier phone. I consider not having immediate digital access to my accounts a huge security risk.

[lordgrinz]

I pay for almost everything I buy personally with my SCB app (Lazada and any other online vendors), and just about every little vendor on the street has QR codes,  simple and fast. However my wife wants me to use her CC as much as possible for purchases at Makro, Big-C, and 7-11.....she wants the points. I barely ever use cash for anything anymore, in fact my daughter seems to use my cash more now, she needs it to resupply her school ID card for food/treats.

[scorecard]

9 hours ago, scorecard said:

 

When it's a scan at an ATM machine (not used that much) it's my experience most Thai's are ready to do the scan, all done 1 second.

I repeat my comment, scan to pay at 7/11 is nowadays quite common and with the announcement today will be very common and easier. 

I just submitted the application for Prompt Pay using my K+ app, super easy and within an hour got a confirmation my application was successful. 

[digbeth]

3 hours ago, Denim said:

I find the whole thing of using phones and apps a bit behind the times.

 

About time they introduced a swipe option as in the UK. No need for cash or phones and faster than both. No rummaging around for notes or scrolling to find the app. Just one tap with your card and done.

 

 

 

debit cards cost 2-300 baht a year vs zilch for the app

 

plus visa and mastercard get a cut for using their technology vs qr code that's free and the rest invented here

[josephbloggs]

6 hours ago, Rampant Rabbit said:

Stupidity of  youth..............the convenience of letting your  govt and data brokers monitor everything you do everywhere you go everything you buy all the time, no need to insert chips in new born babies the sheep-le have done it themselves with the "convenience" of mobile phones.

There is help available.

[cnx101]

16 hours ago, thecyclist said:

Almost always takes much longer than paying cash in Vietnam. 

I’ve never had a problem always fast and easy for me in Vietnam 

[koolkarl]

17 hours ago, scubascuba3 said:

The real airheads struggle to move with the times with tech

Your attitude will be stored on a government computer forever and then we will see who is the airhead.

[herfiehandbag]

Nothing in this world has really worked properly since they stopped pulling trains with steam engines, travelling between continents on sailing ships and sending the wife a postcard to say you would be home late.

 

Bah! Knew a woman once, soft and lumpy as far as I recall!

[bamnutsak]

16 hours ago, Kinok Farang said:

Last time i was in the UK i used the "just tap your debit card" method.Even for a technophobe it was a doddle.Now if we could use this method in LOS it would be great but until that happens cash is still king.

 

AFAIK some banks here offer an ATM Debit Card with 'Tap-to-Pay' functionality.

 

I use the SCB LET’S SCB Debit Card.

 

Convenient contactless payments
Just tap your debit card at an EDC terminal at merchants accepting contactless payments by yourself.

 

https://www.scb.co.th/en/personal-banking/cards/debit-cards/lets-scb.html

 

 

I do not know if some/all 7/11's accept this form of payment, or if they have a minimum purchase amount?  At 7/11, I use TrueMoney wallet, which is very fast and easy. Just open the app, press 'Pay' allow the clerk to scan your QR code, finished. ( I top up my TrueMoney wallet with a transfer from SCB, usually keeping the balance below 1,000 THB. )

 

I have used the Tap-to-Pay option on this card at other stores, and the MRT. But I mostly use the SCBEasy app for PromptPay scans/purchases,

 

 

 

[Kinok Farang]

15 minutes ago, bamnutsak said:

 

AFAIK some banks here offer an ATM Debit Card with 'Tap-to-Pay' functionality.

 

I use the SCB LET’S SCB Debit Card.

 

Convenient contactless payments
Just tap your debit card at an EDC terminal at merchants accepting contactless payments by yourself.

 

https://www.scb.co.th/en/personal-banking/cards/debit-cards/lets-scb.html

 

 

I do not know if some/all 7/11's accept this form of payment, or if they have a minimum purchase amount?  At 7/11, I use TrueMoney wallet, which is very fast and easy. Just open the app, press 'Pay' allow the clerk to scan your QR code, finished. ( I top up my TrueMoney wallet with a transfer from SCB, usually keeping the balance below 1,000 THB. )

 

I have used the Tap-to-Pay option on this card at other stores, and the MRT. But I mostly use the SCBEasy app for PromptPay scans/purchases,

 

 

 

Thanks for the advice but obviously you are much more tech savvy than me.To me any system that involves phones,cards or qr codes can go wrong.

Gonna stick with cash as long as they allow me,cheers.

[TroubleandGrumpy]

12 hours ago, ftpjtm said:

I've been managing all of my retirement income accounts via computer and phone for decades. I've never had an issue. And if I did I'd know about it nearly instantaneously.

 

If you don't connect your bank account to your phone, you're enabling someone else to connect it to thier phone. I consider not having immediate digital access to my accounts a huge security risk.

Up to you - so far so good is not my recommended strategy though. What if someone steals your phone. What if some young family member 'plays' with it. Etc etc etc. There is no argument that it is 'convenient' but to state that it is secure is total rubbish. What you saw - if you watched the videos I linked (FBI one at least?) - is just the beginning of what has been happening and it will happen a lot more going forward. But up to you - and I hope others reading this think again.

[TroubleandGrumpy]

2 hours ago, Kinok Farang said:

Thanks for the advice but obviously you are much more tech savvy than me.To me any system that involves phones,cards or qr codes can go wrong.

Gonna stick with cash as long as they allow me,cheers.

Cards are OK - they have inbuilt security stuff that does not store your passcodes for ATM. They do have your account numbers etc - but not all the full details as per a phone. QR codes can be altered and scanning a malicious code will do far more than open a website - they can give commands that will open a 'quiet' channel/link in the background to other locations too. One problem is that they run even while the browser is down. Some just screw up your phone and others make it a brick.

QR code inside a bank - probably OK. QR code sitting on the counter in a coffee shop - no way. QR code developed by a Thai programmer - no thanks.

[SABloke]

20 hours ago, KannikaP said:

And in English we use THEIR for the posessive article!

 

True. Also, we spell POSSESSIVE like this 🤪 Pot, kettle and all that...

[Chris Daley]

And behind you there will be a little angry Thai man in his best pair of shorts.  Come on some of us glue to sniff and children to ignore.

[connda]

On 9/27/2024 at 11:04 AM, KhunLA said:

I'm cash guy at 7-11, as best way to break 1000 baht note.   Needed for smaller vendors, as don't want to use up all the small notes paying with 1000 baht notes.

 

One less transaction in my bank account makes things easier at visa extension time.   My bank passbook usually has 12 or so deposits, and about 4 withdrawals for the whole year.

 

Keeps the paperwork down ... save a tree ... 

Like you, I use 7/11 to break 1000 THB notes.  Now regarding PromptPay.  I wonder if it ever occurs to the average person that in this day-and-age of cameras everywhere that their phone and bank pins are probably common knowledge to anyone who can review video records.  Someday when their entire bank account is emptied that can console themselves, "Well, that's convenient!"

[connda]

Fyi, if memory serves me correctly, payment by QR code has been available at 7/11 for quite awhile.  Hell, mom&pop stores in our village have been accepting them for the last year or two. 

 

[josephbloggs]

2 minutes ago, connda said:

Fyi, if memory serves me correctly, payment by QR code has been available at 7/11 for quite awhile.  Hell, mom&pop stores in our village have been accepting them for the last year or two. 

 

Your memory does not serve you correctly. Only TrueMoney. Prompt Pay QR has never been accepted.

[ftpjtm]

50 minutes ago, TroubleandGrumpy said:

Up to you - so far so good is not my recommended strategy though. What if someone steals your phone. What if some young family member 'plays' with it. Etc etc etc. There is no argument that it is 'convenient' but to state that it is secure is total rubbish. What you saw - if you watched the videos I linked (FBI one at least?) - is just the beginning of what has been happening and it will happen a lot more going forward. But up to you - and I hope others reading this think again.

 

Access to my phone is protected by biometrics and pass codes. But if it was stolen I'd still call my banks and inform them, and change pass codes on all accounts I access via computer. 

 

How do you protect your accounts, which I assume you don't access via phone or computer, from being accessed by an identity thief? Identity thieves search out accounts not registered for online banking and set up access on their own devices. Exactly that happened to a sibling who was trying to "protect" herself by not setting up online access. 

 

To me the best protection is have real time notifications of what is going on on your accounts. All of my accounts and credit cards offer that via messages.

[TroubleandGrumpy]

4 minutes ago, ftpjtm said:

 

Access to my phone is protected by biometrics and pass codes. But if it was stolen I'd still call my banks and inform them, and change pass codes on all accounts I access via computer. 

 

How do you protect your accounts, which I assume you don't access via phone or computer, from being accessed by an identity thief? Identity thief search out accounts not registered for online banking and set up access on their own devices. Exactly that happened to a sibling who was trying to "protect" herself by not setting up online access. 

 

To me the best protection is have real time notifications of what is going on on your accounts. All of my accounts and credit cards offer that via messages.

You are not in Thailand are you? Call the banks???  You will need to go into the bank where you opened the account (not any bank branch) and try to get them to stop/cancel your accounts - and good luck with that, even if you get there quickly.  By the way, banking rules in Thailand are 99% in favour of the bank - you will not get any money back 99% of the time. 

 

If you are scammed because you clicked on a malicious QR code (or someone else did using your phone) or any other myriad of possible thefts that can be made with a phone that has banking enabled, it is not much use being notified that all/most of your funds have been withdrawn. 

 

Take it as given - they are insecure. The best solution in your situation, that I can think of, is to set up a separate bank account and impose a daily limit of 5000 baht withdrawals in a day, and using a computer transfer over to that account funds as and when needed (keeping below say 10K Baht). Then use that for account for payments with the phone. That limits the danger to a small amount in a secondary account.  Especially important if you are using the same main account on your phone and you use that for immigration extensions/renewals. 

[ftpjtm]

10 minutes ago, TroubleandGrumpy said:

You are not in Thailand are you? Call the banks???  You will need to go into the bank where you opened the account (not any bank branch) and try to get them to stop/cancel your accounts - and good luck with that, even if you get there quickly.  By the way, banking rules in Thailand are 99% in favour of the bank - you will not get any money back 99% of the time. 

 

If you are scammed because you clicked on a malicious QR code (or someone else did using your phone) or any other myriad of possible thefts that can be made with a phone that has banking enabled, it is not much use being notified that all/most of your funds have been withdrawn. 

 

Take it as given - they are insecure. The best solution in your situation, that I can think of, is to set up a separate bank account and impose a daily limit of 5000 baht withdrawals in a day, and using a computer transfer over to that account funds as and when needed (keeping below say 10K Baht). Then use that for account for payments with the phone. That limits the danger to a small amount in a secondary account.  Especially important if you are using the same main account on your phone and you use that for immigration extensions/renewals. 

 

I have accounts at Krung Thai, Bangkok Bank and TTB, with all three apps on my phone. When I last changed phones I was able to achieve that by.....calling the bank for 2, although I did need to visit a branch for the 3rd; I believe Krung Thai. Upon calling the bank the first menu choice was Thai or English language. The English speakers were very professional and I can't believe they wouldn't have canceled my debit card and QR scanning ability if I asked for that. 

 

So you're okay with using computers to make large transfers between banks, but not phones? 

[TroubleandGrumpy]

6 minutes ago, ftpjtm said:

So you're okay with using computers to make large transfers between banks, but not phones? 

Yes.

Same thing that bank employees do - they dont do their jobs using a phone !!

Come on man - you are wrong - you dont need to admit it, but just stop.

 

PS - getting help on the phone is OK here, but cancelling/stopping an account needs to be at the branch office where you opened the account. EG. I have an old bank account in Chiang Mai where we used to live, but the local head office branch here cannot cancel it - I have to go there.  Only Solution - withdraw all money (transfer to other bank account here) and dont use it for 12 months - it will then automatically be cancelled.

[TroubleandGrumpy]

7 minutes ago, ftpjtm said:

So you're okay with using computers to make large transfers between banks, but not phones? 

I also recall that many years ago we were on a holiday (in Thailand) and I tried to withdraw money from a 7/11 ATM on the island. It all went wrong and the next thing I knew, the account was blocked. I rang the bank and they said a security trigger had been activated, and I had to go into the branch where I opened the account to get it 'released'. Luckily I had taken the advice of another Expat and had 2 additional bank accounts to draw money from - never used a 7/11 ATM again (nor any ATM not in a Branch, or in a secure location like Makro).  Like you, I have several bank accounts - very wise to do that in Thailand - and whichever one you use for Immigration - do not use it unless absolutely needed (say a sudden hospital visit).