Avoid PayID payment to Qantas

[gtrod]

I booked a flight for February today and decided to try using PayID for payment. Big mistake. Normally I'd use Bpay but figured this time I'd use payId.

Flight was booked and I got taken to the PayID payment screen. I logged in to Bankwest and sent a payment to the qantas payID email that's generated for the particular transaction.

Bankwest then said it may take up to 4 hours as it's a new payID. No problem as the page says payment can be received up until midnight.

A few hours later received an email from bankwest saying the payment had failed. Not sure why, plenty of money in account. No other details given.

No problem though as it's still well before midnight, I'll send the payment again. Try to enter the details again and now the qantas PayID email isn't valid.....

Not sure whether the problem is the payment provider qantas use (azupay?)

So go to rebook through Qantas with bpay and now prices have risen for this flight in February..... Really regretting choosing PayID for payment. Will never use this option again.

 

[AustraliaPoochie]

I will keep using bpay code 747600, am used to the way it operates.
Am so scared about this payid bizzo, what happens if you type the wrong email address as reference, or mistype if you as I do, have big fat paws, er fingers.
I think the payid reference (as a ref), is only usable once only.

 

[kangarooflyer88]

Or just use credit card like everyone else

 

[SuePa]

I booked a flight for February today and decided to try using PayID for payment. Big mistake. Normally I'd use Bpay but figured this time I'd use payId.

Flight was booked and I got taken to the PayID payment screen. I logged in to Bankwest and sent a payment to the qantas payID email that's generated for the particular transaction.

Bankwest then said it may take up to 4 hours as it's a new payID. No problem as the page says payment can be received up until midnight.

A few hours later received an email from bankwest saying the payment had failed. Not sure why, plenty of money in account. No other details given.

No problem though as it's still well before midnight, I'll send the payment again. Try to enter the details again and now the qantas PayID email isn't valid.....

Not sure whether the problem is the payment provider qantas use (azupay?)

So go to rebook through Qantas with bpay and now prices have risen for this flight in February..... Really regretting choosing PayID for payment. Will never use this option again.

I had a similar problem on Monday.
I booked a flight and tried to use PayID, which also failed. Somehow, this locked my booking and I wasn't able to use BPay for an hour or more, so that by the time I sent off the BPay it was too late for it to be processed that day, although I didn't realise that at the time.
Tuesday morning my booking had been cancelled, but Qantas had my money and now, apparently, it takes 5 - 10 business days for my money to be refunded and I missed the sale.

 

[anat0l]

I hope they track down why the payment failed.

I have used PayID for easy transfers to other people (particularly not of the same bank as me, which is expectedly common). Have never used it to pay a business, let alone a big business.

 

[RichardMEL]

Frustrating if they offer a payment type that then fails (though to be fair we don't know if it was the bank end or QF's end, but of course it's a fair bet where the problem most likely is!). I too hope they get it sorted out. I also find it convenient specially for virtually instant person to person payments (and Amex allow it too for payments which go through right away). I wouldn't use it for QF personally, but I can definitely see why it would be an attractive payment option (and far quicker than things like BPay).

As for "just use a credit card"? Well, there are enough reasons why some might not want to use a CC to pay, including transaction fees, or maybe their card doesn't have enough credit on it for the payment, or they don't like using them for whatever reasons. All fine - that's a choice.

The issue is offering a payment method that has issues and that's on QF (assuming the issue is with them).

Perhaps others can chime in here with their experiences of using PayID to pay QF - positive or negative - as further data points.

 

[SuePa]

Frustrating if they offer a payment type that then fails (though to be fair we don't know if it was the bank end or QF's end, but of course it's a fair bet where the problem most likely is!). I too hope they get it sorted out. I also find it convenient specially for virtually instant person to person payments (and Amex allow it too for payments which go through right away). I wouldn't use it for QF personally, but I can definitely see why it would be an attractive payment option (and far quicker than things like BPay).

As for "just use a credit card"? Well, there are enough reasons why some might not want to use a CC to pay, including transaction fees, or maybe their card doesn't have enough credit on it for the payment, or they don't like using them for whatever reasons. All fine - that's a choice.

The issue is offering a payment method that has issues and that's on QF (assuming the issue is with them).

Perhaps others can chime in here with their experiences of using PayID to pay QF - positive or negative - as further data points.

My failed PayID was a building society, not a bank, as @gtrod's was. I've successfully used PayID quite a few times to pay other expenses, so my guess is the difficulty is on Qantas' end.

 

[AIRwin]

Or just use credit card like everyone else

Or a gift voucher to avoid credit card fee

 

[Pushka]

When I've tried using 'experimental' methods to pay bills it usually ends up with 'what was I thinking'. Now, it's always the credit card for time critical bills like tickets. PayID seems to work ok with Travelex. And my brother for reimbursements. Thats it.

 

[justinbrett]

Or just use credit card like everyone else

Not to mention the additional consumer protection you get from using a credit card. Worth the ~1% surcharge IMO (especially if it's a QFF points earning card and/or has bundled travel insurance).

 

[anat0l]

As for "just use a credit card"? Well, there are enough reasons why some might not want to use a CC to pay, including transaction fees, or maybe their card doesn't have enough credit on it for the payment, or they don't like using them for whatever reasons. All fine - that's a choice.

I used to think, "Of course, just use a damn credit card," but then I also remember I once didn't own a credit card.

Some people don't own a credit card and may have difficulty obtaining one. Times have changed since I joined AFF (about when I started significantly travelling independently) and it is admittedly simpler to obtain a credit card now (even if it's the most basic of the basic, but hopefully with interest free days).

Yes, debit cards could also be used, though it still attracts processing charges.

 

[tdimdad]

Am so scared about this payid bizzo, what happens if you type the wrong email address as reference, or mistype if you as I do, have big fat paws, er fingers.

When you do a normal PayID in your bank / app, it shows the recipient name to confirm the it before you accept the payment. I've used PayID to pay friends but yet to try with a business. However, I presume the same name check would come up before you send the money.

 

[AustraliaPoochie]

Debit cards now with osko money transfer, is near immediate for most accounts.
So you can transfer money from one of your bank accounts with funds, to the visa debit/mastercard debit cards you want to use.
Granted, QTMC still takes about 36 hours, and some banks take 24 hours still to move money, but osko is now faster.
With polipayments now gone, I guess visa debit/mastercard debit is the way to go, its half the card transaction fees of a credit card.

 

[djtech]

Had almost the same situation. Paid for exit row seats ($15) on a flight, with PayID. The transfer went through, but then the website errored out saying "something went wrong" and of course the seat selection didn't stick. It was like I hadn't paid, but the money was transferred out. Asked Qantas on Twitter - initially denied saying they haven't received anything. When I sent them my bank statement and said I asked Bankwest to reverse the transfer, they said they received the payment, but could only refund it and get me to pay again for the seat. Still waiting on that refund they promised....

Oh well, it's only $15 but it's the principle of it.

 

[justinbrett]

I used to think, "Of course, just use a damn credit card," but then I also remember I once didn't own a credit card.

Some people don't own a credit card and may have difficulty obtaining one. Times have changed since I joined AFF (about when I started significantly travelling independently) and it is admittedly simpler to obtain a credit card now (even if it's the most basic of the basic, but hopefully with interest free days).

Yes, debit cards could also be used, though it still attracts processing charges.

As far as I am aware, Visa Debit transactions have the same protections as Visa Credit.

 

[CMA222]

When you do a normal PayID in your bank / app, it shows the recipient name to confirm the it before you accept the payment. I've used PayID to pay friends but yet to try with a business. However, I presume the same name check would come up before you send the money.

I use PayID for both personal and business payments. It is basically instantaneous when transferred through Osko but for the first transfer to a new business payee there is usually a delay (of as much as 24 hours) which appears to be part of the bank security to allow for reversal of fraudulent transactions. I have never experienced a delay on personal transfers but they are usually only small amounts, which may mean they were under a security limit. I use it regularly to buy FX on Wise and when they changed their name from TransferWise to Wise the transactions were all delayed for 24 hours until the new payee addresses settled in.

Every transaction confirms, before the transaction proceeds, the name of the business/entity/individual that has registered the PayID - for verification purposes.

I note Wise has provision for an Osko fee (currently zero), which is presumably anticipating that Osko (or the bank, not wanting to miss an opportunity) will eventually impose a fee for these transactions.

 

[LondonAussie]

Or just use credit card like everyone else

I use a credit card in the UK where card surcharges are illegal, but in Australia it costs extra to use a credit/debit card, so I avoid it if possible.

 

[kangarooflyer88]

As for "just use a credit card"? Well, there are enough reasons why some might not want to use a CC to pay, including transaction fees, or maybe their card doesn't have enough credit on it for the payment, or they don't like using them for whatever reasons. All fine - that's a choice.

How much is travel insurance worth? What about the various loyalty (i.e. QFF points) points you earn using your credit card? What about the zero liability for fraudulent transactions and the ability to get a refund (or request a chargeback) instantly? For many paying that extra 1-2% is simply the cost of doing business.

The issue is offering a payment method that has issues and that's on QF (assuming the issue is with them).

Legally QF must offer at least one payment method that has no surcharge. Naturally QF will chose the least convenient option and implement it poorly.

Perhaps others can chime in here with their experiences of using PayID to pay QF - positive or negative - as further data points.

bPay wasn't much better either. I recall having to request a refund for a flight and having to chase QF down to get that refund because they had issues sending the money back. Had this been a credit card there would be no issues.

Or a gift voucher to avoid credit card fee

Yes but you don't get the travel insurance benefits of booking with a travel credit card. With that being said sometimes you can end up ahead especially if the gift voucher comes with bonus points (i.e. Woolies 20x bonus point events)

I used to think, "Of course, just use a damn credit card," but then I also remember I once didn't own a credit card.

That is a sad reality for many here, especially those on a temporary visa where you cannot apply for a credit card even if you have excellent credit due to Australia's arcane banking laws. I'm privileged to still have a number of credit cards from Canada I use (which by the way knock the socks of the Australian cards here in terms of benefits). But not everyone is so fortunate. And paying a fee to use a debit card which typically offers no perks seems criminal. I suppose an argument could be made for Australia to follow in the footsteps of NZ and implement a fee free solution like EFTPOS.

I use a credit card in the UK where card surcharges are illegal, but in Australia it costs extra to use a credit/debit card, so I avoid it if possible.

This is how it should be. If merchants need to raise the prices to cover the transaction cost, do it for everyone, not just credit card holders. Bake it into the price like the GST so consumers see the final price and can comparison shop.

-RooFlyer88

 

[justinbrett]

This is how it should be. If merchants need to raise the prices to cover the transaction cost, do it for everyone, not just credit card holders. Bake it into the price like the GST so consumers see the final price and can comparison shop.

I disagree - merchants aren't going to absorb it so they will bake it into the price. Everybody will, you don't get out of paying it. So there's no transparency, and when you're talking about things like an airline where you might not have options, you're stuck with it. If you pay cash, you're paying for other people's credit cards, there's no option to save.

The Australian system of user pays, and making it illegal to profit from the surcharges, is the way to go IMO. The old Australian surcharges (where they could profit from them - like the taxis at 10%) was the worst.

 

[AIRwin]

Yes but you don't get the travel insurance benefits of booking with a travel credit card.

Not even if the remaining balance is paid with a credit card?