A Facebook user, Flora Yan, shared how she was using PayLah to make payment and the transaction had apparently failed twice, so she made payment again via cash. But she later found out that the money from the PayLah transactions had gotten through.
Here is what she said
Please be very careful the next time you pay your merchant via PayLah!.
I had a bad experience at Kra Pow restaurant at Far East Plaza #03-26/27
which I had dinner on the 16 April.
As payment was not available via credit card I paid via PayLah!.
The transaction failed. I was given a failed transaction slip and told to scan the QR code again.
The transaction failed again. I was given another slip and told to scan again. This time I was sceptical of double deductions but the staff assured me this was a common paylah! issue and the funds would be credited back into the account within a few hours. I gave her the benefit of doubt and paid by cash instead.
Before I left the restaurant I asked the staff if I could leave down my contact details. They could check their PayLah! report at the end of the day and call me if there was a double payment.
The staff insisted that I only call them if the amount was not credited by end of the day which they will then call the bank to check.
By Saturday midnight the amount was not refunded back to my account.
And by Monday morning there was still no credit.
I decided to call the bank instead of the shop which the staff seemed reluctant to help. After going thru 2 lengthy calls, the bank investigated and confirmed the failed transactions and provided me a reference number which I had to follow up with NETS for the refund.
After calling NETS they reverted back to me the next day and informed I would be refunded latest by the same Friday week.
The amount was finally credited back to my account on the Friday 22 April, 6 days after the transaction date.
The amount here might be small but much time was committed for the follow up calling the respective organizations and checking the bank account everyday.
Mine might be a very small amount but
if the amount ran into a few $100s it might cause some anxiety to the person.
So the next time you decided to pay using PayLah! , better think twice. It might be done thru the Nets system but a declined transaction does not mean the transaction is voided. The amount might still be debited from your account and not instantly refunded.
Edit: Need to clarify the first deduction was reversed within an hour while I was at the restaurant. It was the second deduction that took days to refund.
