What is Payme?

[PLamHK]

Btw, perhaps not very well known, but payme is also a "bank" participant to FPS, that you can FPS to/from (bank code 953).

Yes, it took me a while to persuade several people who regularly pay me for shared bills that if they really insisted on using their PayMe wallet then they could send the money from there to me by FPS.

[alexdown]

Yes, it took me a while to persuade several people who regularly pay me for shared bills that if they really insisted on using their PayMe wallet then they could send the money from there to me by FPS.

Or you could have accepted their payme, then moved the money out to your bank account...

[PLamHK]

Or you could have accepted their payme, then moved the money out to your bank account...

What's the point? Why add so much complexity?

[newhkpr]

What's the point? Why add so much complexity?

It's one extra step/tap in an app. Same if not more effort than "going out and convincing people"

[Zelensky2]

What nobody seems to mention is that payme has a much better interface that all the other alipay, FPS wechat etc options.

It've very easy to use. Alipay by contrast is a cluterfuck of confusing options that always seems to have a reason not to work. For example I tried to use Alipay to pay a supplier that I normally always pay cash to just 2 days ago. The FF'ing clusterfuck of an app wouldn't let me use some of my 2K+ balance to pay him (as a small shop he is a rudimentery alipay user - so i needed to scan his hardcopy QR (not a new computer generated QR with an expensive till system) and then type in the ammount to pay (much as you would with payme, but where payme just debits my wallet balance, immediately Alipay had to go all pointless clusterfuck and demand credit card registration (AGAIN).

Many white expats in my demographic (young and middle aged professionals) use payme to split bills etc.

I don't have to log into my SCB app as one has to with FPS. It's quicker easier and frankly better than FPS in the convenience stakes.

[PLamHK]

It's one extra step/tap in an app. Same if not more effort than "going out and convincing people"

No - it's installing an app for no good reason. For reasons discussed here previously ad nauseam I prefer not to do my banking on a mobile phone.

[PLamHK]

It's quicker easier and frankly better than FPS in the convenience stakes.

But still some way behind cash! You can't beat cash for convenience (and resilience to battery failure, being dropped, getting wet, etc etc)

[Zelensky2]

But still some way behind cash! You can't beat cash for convenience (and resilience to battery failure, being dropped, getting wet, etc etc)

I'm a cash advocate as you know. But many people are luddites and never have sufficient cash, (let alone cash in a sufficient number of denominations) to neatly divide a bill.

So actually, often payme is more convenient (though cash is more reliable and way less traceable ;-)

If you haven't used it, you're not going to know that. ;-)

[PLamHK]

Mrs Lam uses PayMe a lot, so I'm reasonably familiar with it. But FPS now seems to be fairly widely accepted amongst the people I mix with (at least those old enough to have a bank account - the younger ones still give me cash, although some have offered AliPay).