topic Re: Alternative autopay/payment option in Get Support

Alternative autopay/payment option

darlicious — Wed, 05 Jan 2022 16:44:45 GMT

https://www.koho.ca/

Vouchers offer an alternative payment option for those who cannot qualify for a credit card but miss out on the autopay reward and the peace of mind knowing that if they don't top up their balance before renewal that autopay will kick in to pay for their service and avoid suspension.

However many public mobile customers don't have access to traditional banks credit/debit cards (visa/debit) such as newcomers to Canada (immigrants/refugees), international students, travellers, foreign students w/work visas and low income persons just to name a few examples. Koho an online bank that offers high interest savings, no bank account fees and visa/debit cards to all customers. Signing up online for a savings account with a koho visa/debit card is fast ( about 5 min) and easy and you can recieve your koho card in as little as 5 business days. Load it with as much or as little balance as you like, keep to locked in your app if you prefer and you can register it for autopay on public mobile to recieve the $2 reward.

Even better the koho card comes with "power-ups" additional savings on top of the 0.5% regular cashback on all purchases these can be obtained by referring friends and thru koho's merchant partners.....of which PUBLIC MOBILE is partnered adding an additional power up of 2.0%. This means you get a 2.5% cash back rate when you pay for your plan with a koho visa/debit card.

Additional info can be found online or in the koho app...

PowerUps provide a credit of 0.5% on all settled authorizations.
KOHO users can, at anytime, release accrued credits from within the app.
KOHO reserves the right to end the promotion at any time, no less than 90 days from the initial implementation of PowerUps. Future authorizations or settled authorizations will not be eligible for PowerUps if and when KOHO has discontinued the promotion.
Settled authorizations typically take 3-5 days to settle. KOHO is not responsible for merchant settlement policies or timelines.
100% of the settled authorization amount is eligible.
PowerUps will not be accrued on any ATM withdrawal, E-transfer, KOHO transfer, Bill Payment or other non-purchase based transaction.

Re: Alternative autopay/payment option

iliketotalk — Thu, 23 Apr 2020 22:30:53 GMT

@darlicious Is this a sales pitch or what?

Re: Alternative autopay/payment option

Anonymous — Thu, 23 Apr 2020 22:33:33 GMT

I mean really. Now you're doing unpaid (assuming) marketing for an external company?

We can also use prepaid "credit" card gift cards to satisfy autopay.

I am also a Koho customer but I'm not marketing their products other than the referral reward which I won't be providing here in the open of course.

Re: Alternative autopay/payment option

gblackma — Thu, 23 Apr 2020 22:35:21 GMT

@darlicious Thanks. Will keep this in mind if I ever need a prepaid credit card. Stay safe.

Re: Alternative autopay/payment option

darlicious — Thu, 23 Apr 2020 22:38:31 GMT

@Anonymous

Well I guess let the criticism begin I guess....i thought that giving an alternative option some attention that is partnered with public mobile could be met with less cynicism. Flag it and get it removed or moved to the lounge if this breaking the rules or offensive to somebody.....

Re: Alternative autopay/payment option

Anonymous — Thu, 23 Apr 2020 22:43:21 GMT

@darlicious wrote:
@Anonymous
Well I guess let the criticism begin I guess....i thought that giving an alternative option some attention that is partnered with public mobile could be met with less cynicism. Flag it and get it removed or moved to the lounge if this breaking the rules or offensive to somebody.....

Hey like will13am says...free speech (and I add within limits). I don't care to flag it or move it. It might be close to breaking rules. Certainly not offensive to me.

I'm just amazed.

I can see mentioning them in passing as a reply to folks. But a whole long basically marketing spiel..man.

I get your marketing enthusiasm for Public Mobile. I also quite like Koho. I hadn't recalled that CalgaryBen or you were with them. Somehow I remembered kselmak was and he very nicely provided me a referral.

Re: Alternative autopay/payment option

darlicious — Thu, 23 Apr 2020 23:19:26 GMT

@Anonymous

So many public mobile customers lack the ability to register for autopay and recieve the $2 reward that this is my motivation. To pass on the ability to save money....what piqued my interest was the new (?) partnership with public mobile and the 2.5% cash back better than most credit cards. I signed up for it so I could give a first hand account of timelines and experience with it but I've never activated my card.

More than anything I like to share opportunities for the less fortunate in society to get a leg up and enjoy in this case additional savings that most people take for granted. Just the ability to have a phone and a bank account is a luxury for some to have a visa/debit and additional savings can make a big difference for some.

One searchable post is more accessible than individual private messages to many.....

Re: Alternative autopay/payment option

NDesai — Thu, 23 Apr 2020 23:37:19 GMT

I was close to post something similar, but didn't get a chance to dig deep into KOHO and was exploring other options.

Anyways, you say this is good for "customers don't have access to traditional banks credit/debit cards (visa/debit) such as newcomers to Canada (immigrants/refugees), international students, travelers, foreign students w/work visas and low income persons", but how will they add funds to it? There are only two ways to add funds, e-Transfer and Direct Deposit. Both of these require bank accounts in Canada so i am not sure how they will add funds.

"Currently, we do not accept cheques or cash, nor can we process wire transfers made to KOHO accounts. If you are attempting to have any of those deposited to your account, please consider the above methods."
https://help.koho.ca/en/articles/499620-options-for-loading-your-koho-card

Re: Alternative autopay/payment option

iliketotalk — Thu, 23 Apr 2020 23:45:55 GMT

@NDesai @darlicious Yeah my family runs a company for people with bad credit can I promote them on here too ha ha Ha I think this whole discussion Should be moved to the lounge!!

Re: Alternative autopay/payment option

brettster99 — Thu, 23 Apr 2020 23:44:03 GMT

@darlicious

I did not even know that public mobile was partnered with them. I just to verify and I am good to go. It screwed up and now I need to send the KOHO team a message.

It has now been 24hours and no response yet. As soon as I can verify I am jumping on that

Re: Alternative autopay/payment option

darlicious — Thu, 23 Apr 2020 23:51:00 GMT

@NDesai All federal and provincial payments are easily deposited (and actively encouraged) via direct deposit. As are most employers pay cheques so i dont see what the problem is with starting with a koho account and using it for your particular needs. Depending on the circumstance acquiring the necessary documentation to open a bank account that you pay for can be achieved later.

Re: Alternative autopay/payment option

darlicious — Thu, 23 Apr 2020 23:58:12 GMT

@brettster99

Thats awesome I'm glad this alternative option is working out for you. I believe like public mobile they work on the eastern time zone.

@iliketotalk Let's go for it and bring up the whole Dscussions vs Lounge argument again.....we wouldnt want to bury it and try to find some cohesiveness in the community.

Re: Alternative autopay/payment option

iliketotalk — Thu, 23 Apr 2020 23:59:16 GMT

@darlicious Oh sounds like someone’s getting a little testy

Re: Alternative autopay/payment option

carlaspapa — Fri, 24 Apr 2020 00:09:09 GMT

This is great news to hear I just recently signed up for koho so I could put it on my account for auto-pay and now I get some extra cash back woohoo! I'm up to 4.5% now.

Re: Alternative autopay/payment option

Anonymous — Fri, 24 Apr 2020 00:16:29 GMT

@NDesai

They seem to have some link to Paypal but I'm not sure how that works.

They apparently reimburse e-transfer fees too.

I happen to have a Samsung phone and was delighted that Koho works with Samsung Pay. Oddly, not Google Pay.

@darlicious : I will back pedal a little on my immediate response. I think it's entirely valid to mention any and all payment methods. Not just a whole thread. Not just in reply in a thread. Not just on pm. My knee-jerk was that it all sounded so marketing-y. Even using some of their marketing wording.

I have Koho for Samsung Pay. I have my banks prepaid reloadable card for mobile ordering and such. I have prepaid gift cards for autopay here on two accounts. Unfortunately my bank card doesn't work for the Pay apps. I could use Koho for everything but I like to spread my risk exposure. The unregistered gift cards aren't reloadable and don't work with Pay apps. I've never registered them so I don't know if the registered version works.

So this leaves my main full-on credit cards with pretty good limits unexposed to phone events.

Re: Alternative autopay/payment option

darlicious — Fri, 24 Apr 2020 00:17:09 GMT

@iliketotalk

I just don't see the point of negativity. How would new members feel if their efforts to contribute are criticized, ridiculed and relegated to the lounge? The community is supposed to be a positive and supportive environment. A place to get help, give help and share ideas.

Re: Alternative autopay/payment option

iliketotalk — Fri, 24 Apr 2020 00:25:45 GMT

@darlicious @What you see as negativity I see as you promoting a business which I don’t agree with this is not the forum for it

Re: Alternative autopay/payment option

Naepalm — Fri, 24 Apr 2020 00:32:01 GMT

@darlicious another option is STACK I have used it in the past and it is similar to koho.

Re: Alternative autopay/payment option

brettster99 — Fri, 24 Apr 2020 00:34:38 GMT

@carlaspapa

How are you up to 4.5%

I would like to know as I got a referral and getting an additional 1% to go up to 1.5% but with public that goes up to 3.5% for me.

Anything I can do to boost up even more

Re: Alternative autopay/payment option

will13am — Fri, 24 Apr 2020 00:38:20 GMT

@Anonymous wrote:
@darlicious wrote:
@Anonymous
Well I guess let the criticism begin I guess....i thought that giving an alternative option some attention that is partnered with public mobile could be met with less cynicism. Flag it and get it removed or moved to the lounge if this breaking the rules or offensive to somebody.....
Hey like will13am says...free speech (and I add within limits). I don't care to flag it or move it. It might be close to breaking rules. Certainly not offensive to me.
I'm just amazed.
I can see mentioning them in passing as a reply to folks. But a whole long basically marketing spiel..man.
I get your marketing enthusiasm for Public Mobile. I also quite like Koho. I hadn't recalled that CalgaryBen or you were with them. Somehow I remembered kselmak was and he very nicely provided me a referral.

+1 for the free speech as long is it is not illegal or immoral and maybe a few other not so nice things. As much as one would try to care about keeping the business side of the community to resolving customer issues, we are just members and not the owner. This is the evolution of the community which is something much bigger than any member(s). We all have an equal tiny little voice by way of the bravo button. If you like what you see, smash the button. If you don't, move on. Maybe just hit the button anyway as it is easier to smile than to frown.

BTW, I would not touch koho myself. My dividend card pays 4% for food and fuel. That covers 2 of the 4 essential for life.