Shopping on Shopee & Lazada I always use COD.

Now thinking of using my UK credit card has anyone had any problems using their credit card from their own country on these sites.

Thanks 

Shopee is very good, add your UK card then when you go to pay it will tell you to open the credit card app and approve it, Lazada doesn't do that so feels riskier, so on Lazada i pay QR scan only

4 hours ago, sometime said:

Now thinking of using my UK credit card

Are you planning to make individual purchases with it totalling more than £100 (= c.฿4,200 at present) inclusive of conversion charges? If so, you may first be subject to a verification check at the UK end, in addition to any which may then be required by Thai vendors.

I paid for a cataract operation in November c. 60k Baht using my UK credit card, it went straight through without verification. The only drawback is the 3% foreign currency surcharge, but for larger purchases I prefer the convenience and also reducing the remittances to my Thai bank.

4 hours ago, sometime said:

Shopping on Shopee & Lazada I always use COD.

Now thinking of using my UK credit card has anyone had any problems using their credit card from their own country on these sites.

Thanks 

Suggest you forget about the idea....COD is better and safer...do not put your cc details online over here....

I use a virtual credit card from Revolut. Lazada has no issues and I decline to save the card information. Shopee automatically wants to save the card info so it gets declined.

Anyone from the UK seeking to use a credit card here can save on the foreign transation surcharge by getting a card from Barclays, Halifax or Chase.

21 minutes ago, Eff1n2ret said:

I paid for a cataract operation in November c. 60k Baht using my UK credit card, it went straight through without verification. The only drawback is the 3% foreign currency surcharge, but for larger purchases I prefer the convenience and also reducing the remittances to my Thai bank.

Halifax Clarity card 0% charge, rate close to Wise

I use my UK credit card with no fees for all purchases on Lazada but don't allow them to store it. Never any issues and refunds get made to it too if required.

On 1/12/2026 at 6:30 PM, NanLaew said:

I use a virtual credit card from Revolut. Lazada has no issues and I decline to save the card information. Shopee automatically wants to save the card info so it gets declined.

Anyone from the UK seeking to use a credit card here can save on the foreign transation surcharge by getting a card from Barclays, Halifax or Chase.

You could also use a Revolut disposable card. that's what I do for all online purchases in Thailand. Especially since my card details were 'acquired' after an Agoda purchase.

7 hours ago, Millian said:

You could also use a Revolut disposable card. that's what I do for all online purchases in Thailand. Especially since my card details were 'acquired' after an Agoda purchase.

The virtual Revolut card I referred to is the same as what you call a Revolut disposable card? As mentioned in my post, unless I missed it, Shopee didn't give the option to not save the card details, and Revolut declined the charge. The reason given in the Revolut app was vendor tried to save card details, charge declined.

The button to save the card for future use on Lazada is clearly displayed on the payment page. The default setting is OFF or do not save card details so it's ok for one-time credit card purchases where the seller doesn't support COD payment.

On 1/12/2026 at 1:29 PM, sometime said:

Shopping on Shopee & Lazada I always use COD.

Now thinking of using my UK credit card has anyone had any problems using their credit card from their own country on these sites.

Thanks 

I used my Revolut virtual card on Lazada where the seller didn't offer COD option. Due to missed messages from the seller on my part, it hadn't shipped and Lazada's cancelled the order as part of their agreement with sellers, and issued a refund. The refund took about 5 days to post to my card. In the meantime, I answered the sellers questions and placed the order again with the same virtual card and they shipped same day.

7 hours ago, NanLaew said:

The virtual Revolut card I referred to is the same as what you call a Revolut disposable card? As mentioned in my post, unless I missed it, Shopee didn't give the option to not save the card details, and Revolut declined the charge. The reason given in the Revolut app was vendor tried to save card details, charge declined.

The button to save the card for future use on Lazada is clearly displayed on the payment page. The default setting is OFF or do not save card details so it's ok for one-time credit card purchases where the seller doesn't support COD payment.

Shopee has changed recently for credit cards, on payment it asks you to open your bank app and approve so its much safer now

10 hours ago, scubascuba3 said:

Shopee has changed recently for credit cards, on payment it asks you to open your bank app and approve so its much safer now

Good to know. Hopefully that means they aren't trying to save credit card info in the background any more. Mind you, It was the Revolut app that flagged the reason for the declined charge whereas Shopee just said 'declined'.

I'll give it a shot anyway. Thanks.

Anyone know how to forget credit card on Lazada? no option comes up

55 minutes ago, scubascuba3 said:

Anyone know how to forget credit card on Lazada? no option comes up

AI is so good. This is how to delete credit card payment details on Lazada, works

On 1/12/2026 at 6:20 PM, petermik said:

19 hours ago, NanLaew said:

The virtual Revolut card I referred to is the same as what you call a Revolut disposable card? As mentioned in my post, unless I missed it, Shopee didn't give the option to not save the card details, and Revolut declined the charge. The reason given in the Revolut app was vendor tried to save card details, charge declined.

The button to save the card for future use on Lazada is clearly displayed on the payment page. The default setting is OFF or do not save card details so it's ok for one-time credit card purchases where the seller doesn't support COD payment.

Sorry, quoted wrong message, I was intending to quote this one


"Suggest you forget about the idea....COD is better and safer...do not put your cc details online over here...."

On 1/14/2026 at 8:54 PM, NanLaew said:

The virtual Revolut card I referred to is the same as what you call a Revolut disposable card? As mentioned in my post, unless I missed it, Shopee didn't give the option to not save the card details, and Revolut declined the charge. The reason given in the Revolut app was vendor tried to save card details, charge declined.

The button to save the card for future use on Lazada is clearly displayed on the payment page. The default setting is OFF or do not save card details so it's ok for one-time credit card purchases where the seller doesn't support COD payment.

With me, if they don't accept COD, I don't buy.

I don't trust most online platforms, given the constant leaks and credit card details being hacked, even in large organisations with robust security.

On 1/12/2026 at 6:30 PM, NanLaew said:

Anyone from the UK seeking to use a credit card here can save on the foreign transation surcharge by getting a card from Barclays, Halifax or Chase.

Are you sure Barclays belongs on that list?

Booked a hotel in the Maldives and was quoted a price in Thai Baht which I paid for on my Barclays Platinum VIsa card (£538.62), a couple of weeks later the hotel decided it was going to be closed for the period we were due to stay so Agoda offered me a couple of crappy alternatives which I declined, they refunded me the original amount in Thai Baht and I got £496.26 back so am £42.26 out of pocket (They did give me $70 USD credit to use in the next 6 months but that was supposed to be compensation not reparation).

I know some of that will be fluctuations in FX rates but the Thai Baht didn't move 8.5% in a couple of weeks!

Lesson learnt, I now book non-Thai hotels using my Revolut card and try to select pay at the hotel.

On 1/12/2026 at 1:29 PM, sometime said:

Shopping on Shopee & Lazada I always use COD.

Now thinking of using my UK credit card has anyone had any problems using their credit card from their own country on these sites.

Thanks 

I used to do COD all the time but became a bit of a pain having to be there, driver would phone up from the gate.

I changed some time ago and not had any problem. I use my Wise card(UK) and hold a balance of THB obtained when a favourable rate. I get immediate notifications when any funds are deducted.

I don't know about Shopee but Lazada use 2C2P payment provider who are about as reliable as any other. In this day and age, no payment providers are immune from fraudulant activity, up to individuals to be careful.

On 1/12/2026 at 10:20 PM, Eff1n2ret said:

I paid for a cataract operation in November c. 60k Baht using my UK credit card, it went straight through without verification. The only drawback is the 3% foreign currency surcharge, but for larger purchases I prefer the convenience and also reducing the remittances to my Thai bank.

I do the opposite. To avoid the 3% surcharge, I transfer to my Thai Bank and pay with no surcharge.

16 hours ago, Millian said:

"Suggest you forget about the idea....COD is better and safer...do not put your cc details online over here...."

For any online purchase you should have a separate debit card. I use Revolut for the single use virtual card but when I can’t use it, I use the pernament virtual card it comes with which allows them to save card but I only load enough to cover the cost. If the details are stolen, they can’t create a card because it’s a virtual card and because I have minimal money in account, I’d lose nothing in any case. This is basic personal Cyber Security. Your details can be stolen from any country, Thailands no more risky than any western country. I also have nearly 400 email addresses, a single address for any site so I can delete address if they spam me and it’s useless to a hacker trying to access other sites I might do business with.

36 minutes ago, SamSpade said:

Are you sure Barclays belongs on that list?

Booked a hotel in the Maldives and was quoted a price in Thai Baht which I paid for on my Barclays Platinum VIsa card (£538.62), a couple of weeks later the hotel decided it was going to be closed for the period we were due to stay so Agoda offered me a couple of crappy alternatives which I declined, they refunded me the original amount in Thai Baht and I got £496.26 back so am £42.26 out of pocket (They did give me $70 USD credit to use in the next 6 months but that was supposed to be compensation not reparation).

I know some of that will be fluctuations in FX rates but the Thai Baht didn't move 8.5% in a couple of weeks!

Lesson learnt, I now book non-Thai hotels using my Revolut card and try to select pay at the hotel.

Barclays credit card lists no foreign transaction fees in the solicitation I receive as an account holder. I have declined as I don't need it. Maybe your Platinum VIsa card was issued with a different fee regimen that applied before?

Either way, like all card issuers, they are legally required to separately list and identify foreign transaction fees. If that wasn't specified in your case, then yes it is very possible that you got double-hosed on forex rates when they applied to the original transaction and again to the refund. Unfortunately, we have no control over which bank's conversion fees to accept like we can at most POS terminals and the ATM.

On 1/12/2026 at 6:20 PM, petermik said:

Suggest you forget about the idea....COD is better and safer...do not put your cc details online over here....

COD or QR, but NEVER give card details. I made that mistake once about two years ago on Lazada. Someone used the card details to pay for what was obviously a big party via Deliveroo. B27,000! I did get the money returned, but I believe it was due to spotting the withdrawal within a very short time.

I would never use a credit card on Lazada or Shoppe. Always use COD or maybe a transfer from my Bangkok Bank app. Use it though for any purchases from Amazon.

1 hour ago, NanLaew said:

Barclays credit card lists no foreign transaction fees in the solicitation I receive as an account holder. I have declined as I don't need it. Maybe your Platinum VIsa card was issued with a different fee regimen that applied before?

Either way, like all card issuers, they are legally required to separately list and identify foreign transaction fees. If that wasn't specified in your case, then yes it is very possible that you got double-hosed on forex rates when they applied to the original transaction and again to the refund. Unfortunately, we have no control over which bank's conversion fees to accept like we can at most POS terminals and the ATM.

Just checked via Grok and charges across most of the Barclays credit card (including Platinum which is only it's name, it's not a "Special" card & has no annual fee)...

Key Fees for Overseas/Non-Sterling Transactions

• Purchases abroad (or any non-sterling transactions, including online purchases from foreign sites): A non-sterling purchase fee of 2.99% is added to each transaction. Currency conversion uses the daily Visa exchange rate (which is competitive but includes a small built-in markup compared to the mid-market rate). The 2.99% fee is applied on top.

• Cash withdrawals abroad (ATM or over-the-counter in foreign currency): A cash transaction fee of 2.99% (with a minimum of £2.99). This replaces the purchase fee for cash advances. Note: Cash withdrawals on credit cards are treated as cash advances, so they may also start accruing interest immediately (unless you pay off the balance in full quickly), unlike purchases which often have an interest-free period.

I seem to remember that Agoda processed the charges in Germany so I might have been hit with a double whammy on FX and Charges :(

Lesson learnt though, whilst booking flights to the UK a couple of days later, I usually just take the THB cost and accept I'm going to get charged extra but this time I switched the currency to GBP (Qatar website) and paid for it in GBP on the Visa card so there were no extra charges... Saving approx. 2,5000 THB on 85,000THB tickets.

Google search using Gemini AI, not Grok.

Barclays UK offers the Barclaycard Rewards Visa which has no foreign transaction fees on purchases or cash withdrawals abroad, plus you get 0.25% cashback, making it excellent for travel, though you need good credit and income to qualify. Other US-based Barclaycards, like the Miles & More Mastercard or Frontier Airlines World Mastercard, also advertise no foreign transaction fees. 

For UK Customers (Barclaycard):

• Barclaycard Rewards Visa: This is the top recommendation for travelers, offering no fees for spending or ATM withdrawals overseas, plus a small cashback reward.

• Barclaycard Avios Cards: Some Avios cards might also offer fee-free spending abroad, but always check the specific card's terms.

• General Barclaycards: Most standard Barclaycards have a 2.99% non-sterling purchase fee, so the Rewards card is the key exception for no fees. 

I guess it's down to the 'flavour' of their card offering. My Royal Bank of Scotland Premium MasterCard, like yours, isn't special but does charge a foreign transaction fee.

1 hour ago, Brettoj said:

I do the opposite. To avoid the 3% surcharge, I transfer to my Thai Bank and pay with no surcharge.

I do it my way to minimise my remittances to Thailand which might incur a tax rate of more than 3%. Yes, I know, the anoraks will tell you that credit card payments are also liable to Thai tax, but unless the Revenue Department do a number on you I can't imagine how they can distinguish foreign credit card payments by tourists from those made by 180-day+ residents.

On 1/12/2026 at 2:44 AM, scubascuba3 said:

Shopee is very good, add your UK card then when you go to pay it will tell you to open the credit card app and approve it, Lazada doesn't do that so feels riskier, so on Lazada i pay QR scan only

I've had a completely different experience. Shopee resulted in two separate CCs getting a fraud alert from my bank within seconds of trying to order online from Shopee - apparently, my card numbers were immediately compromised. When I use Shopee now, it's COD ONLY, and probably because I couldn't find it on Lazada.

For Lazada, I've used the same Visa CC for several years with zero problems. Even return credits appear quickly.

9 minutes ago, NedR69 said:

I've had a completely different experience. Shopee resulted in two separate CCs getting a fraud alert from my bank within seconds of trying to order online from Shopee - apparently, my card numbers were immediately compromised. When I use Shopee now, it's COD ONLY, and probably because I couldn't find it on Lazada.

For Lazada, I've used the same Visa CC for several years with zero problems. Even return credits appear quickly.

When was your shopee experience? their new security of going to the bank app to approve is in the last few weeks.

I wouldn't waste time and effort with COD

2 hours ago, scubascuba3 said:

I wouldn't waste time and effort with COD

What time and effort is wasted - do you mean the onerous responsibilities of handing money over when it is delivered..........🤔