I’m wondering, aren’t BPI Expressonline check-free payments fully-automated?
I made a credit card payment online Friday last week, Philippine timezone (and a holiday at that, I know).
After three days, tuesday morning Philippine timezone (after a 5-day weekend), the payment has not reflected on my online account.
Is that how things go with online payments? Transactions are not immediately executed on holidays? Is a human banker needed to execute these transactions on the back-end?
ka edong
baluktot, banking
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Nothing can be more embarrassing than holding up the queue in an E-pass lane during rush hour traffic. That’s what happened to me today when the BPI e-payment transaction I made last Friday didn’t come through.
Your website may look really nifty now, BPI, but your systems still suck somewhat.
from experience, the payments are generally not real time. if you paid for a bpi credit card it should be reflected the next BANKING DAY. for the other companies it takes 2-3 days.
i think they rely on the “batch” schedules of the bank itself (coming from a bank at a point in time) which happens offpeak (early morning most of the time — which is why you should take care in withdrawing from atms super late in the night, which might lead to problems that will have no solution but to wait for the batch to run again) in your case you said it was friday (holiday) so no batch run on friday, saturday, sunday, monday(being a holiday). the next batch run would be tuesday after office hours or in the wee hours of wednesday.
hope this helps (and i’m not a BPI loyalista..)
but never the less the banks take note of the exact date you paid for the bill so no worries if you were trying to beat a deadline
you’re based in CANADA na, ka edong? since when?
@chris, nope, I’m still Philippine-based. napadaan lang sa Canada….
@esti, yup, guess that’s how things go. heto, checked my account online, nag-reflect na ang payments ko. thanks