Mission accomplished! After successful withdrawal of money from PayPal to my Public Bank Visa Electron, I had decided to give Tune Money Visa a try. Since I managed to successfully verify my PayPal using the Tune Money Visa, I believe it should not be a problem withdrawing money to the card. Furthermore, I am already using the Public Bank card for my PayPal Premier account and therefore, I can only use the Tune Money for my PayPal Personal account…

Based on previous experience with Public Bank, the money would be in within 4 or 5 working days. I made the withdrawal from PayPal on the 21^st November 2008 and if calculated based on 7 working days, which is the longest number of days mentioned by PayPal, the money should be in latest by 2nd December 2008…

On 29th November 2008, Azrin made a shocking comment that Tune Money might have problems receiving money from PayPal. That was right after the end of the 5th working day and I logged in to Tune Money to check for the money and it was not there…

$105 may not be big to some people but it’s a huge deal for me… That is at least 3 years of hosting fee covered!

Then I got worried! I started hunting for some horror stories about PayPal and Tune Money, hoping to find none but I got a few…

The first one was at Blog Marketing Malaysia by Steven Wong who mentioned this:

Tune Money Debit Card works out able to help us to withdraw Paypal fund, indeed, it is another good news for us as SOHO who keen to know more options for us. Apparently I believe it is not ready for PayPal yet.

I know that it’s an old post dated 20^th November 2007 but that is enough to give me the chill… Further hunting led me to an entry at Paying Off Credit Card Debt Fast and this is what was mentioned there:

It has got nothing to do with PayPal. PayPal completed the transaction on the 15th! Even if Tune Money wants to believe that it’s because of PayPal, then let’s assume that PayPal needs 7 days (Trust me, PayPal never takes 7 days) to complete the transaction, the money should have arrived in my Tune Money Visa debit card account on the 22th. Today is the 28th!

That post was dated 28^th September 2008! That was just a few months back… I went on further and found another one… This last one (I did not feel like looking for more) dated 26^th October 2008 was really scary. It is at Credit Card Debt Mama Pays Off Credit Card Debts and here is what was said:

My PayPal funds withdrawn on the 15th September finally arrived safely in my Tune Money Visa debit card on the 23rd October. 38 days!

It’s PayPal that caused the delay. Not Tune Money. It’s not Tune Money’s fault, but PayPal.

However, this post put the blame on PayPal and not Tune Money and that made things worse…

Anyway, I decided to wait until the end of the 7^th working day and that was yesterday. I checked it again at Tune Money and there was still nothing there. So, I wrote an email asking Tune Money to check the transaction from PayPal. As of the time that this post was started, I have not got any reply from Tune Money…

This morning, at about 2am, I logged in to my Tune Money to check my money again and guess what? I saw a new balance in my account. I checked the transaction and it is confirmed that the PayPal money is in. So, it was not within 5 to 7 working days but it was after the 7^th working days… What a relief!

The rate that I got was not bad at $1 = RM3.602

So, now I have concluded that I have been able to confirm that Tune Money Prepaid Visa Card and Public Bank Visa Electron Debit Card can be used for PayPal withdrawal in Malaysia.

[Edited at 19:17]

Based on discussions with my friends, it is advisable to use other cards to withdraw your PayPal money. I will be withdrawing back to my Public Bank Visa Electron card and this will be my first and last PayPal withdrawal using Tune Money. All the best to you!

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This quick tutorial is dedicated to Malaysian PayPal users who have not tried withdrawing their PayPal money or have doubts that they can actually withdraw their PayPal money to a debit card issued by selected banks or companies.

In this tutorial, I will be withdrawing my PayPal money to my Tune Money Prepaid Visa card. For your information, I have successfully withdrawn PayPal money to my Public Bank Visa Electron Debit card before. This is also applicable to credit cards issued by selected banks in Malaysia but since I do not use any credit card so do not ask me about which credit card that you can use.

Before you start, make sure that your PayPal account has been verified with the card that you are going to withdraw your money to. If you have not done that, please do that and come back to this tutorial later.

1. Log in to your PayPal account.



2. Click Withdraw.



3. Click Withdraw funds to your card. Note the $5.00 Cost indicated there.



4. Enter the amount that you need inclusive of the $5.00 fee and select the card that you want to receive the money to. Click Continue when done.



5. Verify all the information and then click Confirm to proceed.



6. Done. It is a simple process and that should take you less than 5 minutes to complete. Now you can sit back and wait for the money to arrive into your card within the next 5 to 7 working days. I had previously received my money into my Public Bank Visa Electron in 4 days time.

So now you can start earning into your PayPal and then get the money into your card and spend it as you wish.

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I must have been outdated since I only know how FPX works after talking to Lankapo recently and reading his blog on Tune Card.

So, for the benefit of other outdated Tune Card users like me out there who does not know how FPX works, I have come up with this short tutorial on how to reload your money via FPX.

Why do you want to use FPX and not the other methods mentioned by Tune Money? Apart from saving yourself from a long queue or wait at the banks or post office and filling up those not so friendly form, reloading via FPX is much cheaper and your account will be updated in real time. No more waiting!

As you can see, it only cost RM 0.50 to reload via FPX compared to RM 2.00 at the banks and post office.

Follow the steps below to reload your Tune Card.

1. Disable the pop up blocker on your web browser temporarily as the processing requires a few pop up screens.
2. Log in to your Tune Money account and look for the Reload Money link. It should be on the right sidebar.



3. Click Reload Money.



4. Enter Reload Amount. (Minimum is RM 50.00) and click Next.



5. Select FPX and click Next.



6. Accept the terms, enter your email address and choose a bank that you have online banking facility with.
7. Click Submit.



8. Log in to your bank account.



9. Request PAC (depends on your bank) and wait for the SMS on your mobile phone.



10. Click Next



11. Enter the PAC that you have received and specify the account for withdrawal.
12. Click Submit.



13. Once you received the Transaction Status as Successful, your Tune Card has been reloaded.
14. Click Close



15. FPX will also automatically log out from you bank account.
16. Click Close.



17. You will then get you confirmation on the successful reload.
18. Note: Processing time depends on the speed of your connection.
19. The end.

That’s how easy it is to use the FPX to reload your Tune Card. What are you waiting for? Go and use your Tune Card now!

P/S:

Papa Bear is no longer outdated now.

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I have posted about my huge frustration with Tune Money here and that problem was not resolved shortly after that. May be it’s fated on just a mere coincidence, that post got the attention of Lankapo, who is a strong advocate of Tune Money and things started to get better from that point on.

He suggested me to post a complaint on Tune Money’s CEO personal blog and he also gave me the email address of the CEO in case things still does not move. Talk about a good connection that I can benefit from and not wasting anytime, I posted a complaint at that blog under a topic that is not at all relevant to the Tune debit card. I thought it would just be deleted and never be published but I was proven wrong. It was posted there!

So, I decided to wait for awhile and see how things would go from there. Nothing really happen but knowing that I have another bullet in my arsenal (the email address), I made another call to the Customer Service yesterday.

This time the person who picked up the call seemed to be more knowledgeable, professional and better train than the others that I had spoken to before. That was more like talking to a customer services representative compared to like talking to some jokers many times before.

I told him that the problem has been dragging too long and I am going to personally write to his CEO if this problem could not be resolved fast. There was a moment of silence when I mentioned about emailing the CEO and he promised that he would make sure that this problem would be escalated to the right person immediately.

It could be the complaint posted at the CEO’s blog. It could be about me shooting an email to the CEO or it could be another coincidence that the problem was about to be resolved but whatever the reason was, today I received 3 missed calls (I was not near the phone when the calls came in) from Tune Money and when I called them back, I was told that everything about my account has been resolved.

I just checked my balance online a few minutes ago and yes, everything is in order. At least for now until I try to actually use it. With that, I am giving Tune Money a second chance.

On the other hand, this is another proof about the power of blogging and that is not a waste of time as well as it is always good to know some “people” in our life.

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