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Use of Wise cards for online purchases in Thailand: A mixed bag

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I have one of my Wise digital cards stored in Apple Wallet on my Apple Watch so that I can use it in stores for contactless payments. I never need the physical card anymore in Thailand. The watch method with Wise works for payment at various stores including 7-Eleven, Villa Market, Big C, Tops, Foodland, Starbucks, Texaco, Turtle mini marts in the BTS, KFC, nearly every department store, and most restaurants that accept credit cards. I honestly can’t think of anywhere I've tried it where it doesn’t work. A year or two ago there were a few occasions when the digital card failed on older contactless card scanners and I had to use the physical card, but that hasn’t happened recently.

 

But the main reason for this post is to mention that the Wise digital card also works on Lazada for online purchases, which makes it very convenient for shopping online in Thailand for just about everything I need, without needing to transfer the money into the country first.

 

Now here is the bad news. It used to work with Tops Online for grocery delivery too, but I believe they’ve started blocking overseas credit cards. When I try to pay there with the Wise digital card it transfers me to the Wise app for approval, which is normal for online use, but then the Tops site says payment failed. Payments used to go through there without any issues, so something in their system must have changed.

 

I’ve also tried using it on Shopee, but I haven’t been able to get it to work there either. It doesn’t seem to allow me to add the card as a payment method in my Shopee account profile.

 

So overall, my experience with Wise cards for online purchases in Thailand has been inconsistent, and definitely less reliable compared to using them in stores.

 

If anyone has had success using either the Wise digital card or the physical Wise card online in Thailand, I’d be very interested to hear your experiences.

18 hours ago, FriscoKid said:

Wise works for payment at various stores including 7-Eleven,

In 7/11 stores only for purchases from 200 THB.

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22 hours ago, bravo19 said:

In 7/11 stores only for purchases from 200 THB.


True. They have a 200 Baht minimum. Some years ago they had a 100 Baht minimum. Then they changed to having no minimum for a while and then eventually they changed it to 200 Baht. Up and down.
 

With the Thai economy struggling the way it is now, it might be a good idea for them to go back to having no minimum.

Don't do what I did and save your physical wise card and cvv on your phone.  While using Chrome on Android, something managed to make a bunch of charges to Microsoft for xboxes or something.  Four got through before Wise blocked the card.  They have since reversed all the charges, but I had to cancel the physical card and am now waiting for a new one to come in the mail.   That would have really suck if it happened while I was travelling and lost the use of my card.

 

I saved the physical card # because I was travelling at the time and in a hurry to use Grab.  Obviously, I should have never saved the CVV either, but I believe Android kept asking to do that after the fact, and I eventually relented.  I have since gone in and changed that default so it won't save the CVV. 

 

 

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2 hours ago, shdmn said:

Don't do what I did and save your physical wise card and cvv on your phone.  While using Chrome on Android, something managed to make a bunch of charges to Microsoft for xboxes or something.  Four got through before Wise blocked the card.  They have since reversed all the charges, but I had to cancel the physical card and am now waiting for a new one to come in the mail.   That would have really suck if it happened while I was travelling and lost the use of my card.

 

I saved the physical card # because I was travelling at the time and in a hurry to use Grab.  Obviously, I should have never saved the CVV either, but I believe Android kept asking to do that after the fact, and I eventually relented.  I have since gone in and changed that default so it won't save the CVV. 

 

 

 

There is no need to ever save your card details on your phone. If you have the Wise mobile app installed, simply tap the card tab at the bottom of the screen, select any of your Wise cards, and then go to card details. This will give you the card number, expiration date, and CVV whenever you need them.

 

It is also a good idea to disable online purchases in your card settings under "card controls" within the Wise app. You can temporarily enable this function again whenever you need to make an online purchase and then disable it again afterward. This helps prevent anyone from making unauthorized online purchases with your card if they gain access to your card information.

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