I don’t know if it’s fair. Yung bank to bank transfer fees sa instapay at pesonet, sinusulit ko by transfering the upper limit. Kung di pa abot ng upper limit, di ko muna ililipat. Dun ko nilipat sa digital banks na walang transfer fee to other banks or ewallet.
Yung GCash kasi usually for smaller payments so kung itototal mo yung charge for paying a total of PhP25K sa GCash, baka lugi ka dahil mas malaki pa sa Instapay. Kasi kung magbabayad ka ng bigger amounts, why not use credit cards di ba? Pwede mo icontest at wag bayaran yung credit card bill.
Yung GCash maraming gumagamit na walang access sa credit cards or banks services, in short mahihirap. I don’t know if it’s fair to ask them to eventually pay more because they don’t have access to better financial institutions and services.
Yeah good point did not realize that. I guess they could have done is apply the fee when a certain limit is reached like what you mentioned about instapay. Other is government could also subside the fee for those low amount. I think gcash wants to increase their cash in limit but they can’t because that’s what make them competitive but on the other hand cash transfers between services are usually expensive because there is server cost, personnel salaries and more. So by setting it to 5 they would inheritly make a limit on the number of amount of money per transfer at the same time while still advertising that they have no limit. Just a disclaimer I don’t work for gcash lmao all just speculation. Anyway it does sound scummy but they are currently leading e-wallet in the Philippines so they can get away with this. So what can we do? We could start paying cash again or use Maya, Coin PH or other e-wallets or traditional bank transfer.
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