Does Public Mobile not show taxes in their payment history or did I get overcharged? My Province (NL) has 15% taxes so $35 + taxes would be $40.25 but thats not reported in my payment history.
My January bill was free due to rewards. Wondering if my next bill for February will be charged taxes during autopay?
Also... Public Mobile are classified as a parking garage by my credit card company (CIBC VISA) lol
It's actually ever-so-slightly better than that. I have no idea why they do.this, but when they advertise a $39.88 top up, you end up getting a full $40.
@Tav wrote:
@computergeek541 wrote:
@NDesai wrote:@Someone_here @computergeek541 I don't think recharge.com is based in Canada. They play around with currency rates to determine the price. I know another site that actually converts PM vouchers from EUR to CDN which turns out to be more than 13% tax people in Ontario pay. I contacted them to tell them that no one will buy at this rate because it's cheaper to buy locally, but I never heard back from them. Due to the reason I didn't list that site along with recharge.
I added $79 to my account and I calculated that my savings were $1.99 compared to if I paid Public Mobile directly $79+13% (Ontario HST). That's a small difference of only roughly 2% off, but why not?
Some quick math for fun:
44.19/39.88 = 10.8% (recharge fees?/taxes?)
15% (NL taxes) -10.8% (recharge fee) = 4.2% savings
$33 (Public Mobile cost) x 4.2% = $1.38 savings a month or $16.56 a year in my case
@computergeek541 wrote:
@NDesai wrote:@Someone_here @computergeek541 I don't think recharge.com is based in Canada. They play around with currency rates to determine the price. I know another site that actually converts PM vouchers from EUR to CDN which turns out to be more than 13% tax people in Ontario pay. I contacted them to tell them that no one will buy at this rate because it's cheaper to buy locally, but I never heard back from them. Due to the reason I didn't list that site along with recharge.
I added $79 to my account and I calculated that my savings were $1.99 compared to if I paid Public Mobile directly $79+13% (Ontario HST). That's a small difference of only roughly 2% off, but why not?
Some quick math for fun:
44.19/39.88 = 10.8% (recharge fees?/taxes?)
15% (NL taxes) -10.8% (recharge fee) = 4.2% savings
$33 (Public Mobile cost) x 4.2% = $1.38 savings a month or $16.56 a year in my case
@Someone_here wrote:
@wetcoaster wrote:You can buy vouchers at recharge.com. Because they are not located in Canada they don't charge taxes.
Not exactly true... they don't charge provincial taxes, but they still charge 5% federal taxe:
Who knows if what they're charging actualy is the 5% GST/HST. I've ordered from them and don't ever recall a Canadian taxation number/business number anywhere on the site or on-screen when paying. I do not know if they are submitting it.
On a side note, when it 24.92 or 59.84 or a number like that for the top up amount, my experiences have been that they are actually full dollar amounts that they give you ($25.00 and $60 in those examples).
@Someone_here wrote:
@wetcoaster wrote:You can buy vouchers at recharge.com. Because they are not located in Canada they don't charge taxes.
Not exactly true... they don't charge provincial taxes, but they still charge 5% federal taxe:
Is there a way to pick an exact amount besides the crazy amounts they list?
@wetcoaster wrote:You can buy vouchers at recharge.com. Because they are not located in Canada they don't charge taxes.
Not exactly true... they don't charge provincial taxes, but they still charge 5% federal taxe:
@wetcoaster wrote:@Tav wrote:@wetcoaster I think the vouchers would actually save me money in the long run as their rates are currently cheaper than my tax rate if I am understanding how they work.
Yes, even out here on the west coast with 7% PST and 5% GST the recharge.com vouchers are still slightly less expensive. Not such a good deal for Albertans though.
SLIGTHLY is the word here! For such a small difference, I would rather pay taxes so it goes towards some king of public good vs a private company...
Voucher -> Recharge.com -> BC taxed
4.99 -> 5.59 -> 5.59
9.97 -> 11.19 -> 11.17
18.95 -> 21.09 -> 21.22
19.95 -> 22.19 -> 22.34
24.92 -> 27.59 -> 27.91
29.91 -> 33.19 -> 33.50
@Tav wrote:
@wetcoaster wrote:
@Tav wrote:
@Tav wrote:
@Lieux wrote:That's true the taxes are not shown on your payment review....but we have to pay them!!!!
No taxes were applied for January as my rewards covered the estimated payment (no taxes showing there either). Wondering if I top up my estimated payment to the amount it says before the autopay system kicks in will it not charge me taxes? This is kind of what happened last month with all the rewards covering the estimated payment.
Just tried to top up the $16 estimated for my upcoming bill and it indeed adds the tax there of $2.40 to charge me $18.40 (thought I found a way to cheat the system of taxes and save a few more bucks a month lol).
It makes sense and its not a big deal to me but that discrepancy should be showing in the payment history shouldn't it?
Where exactly?
Screen shot? (without your personal information, obviously...)
You can buy vouchers at recharge.com. Because they are not located in Canada they don't charge taxes. However, the rates fluctuate with the exchange rate and there is a processing fee.
Taxes are added on the make a payment page. I've never used it before so I wasn't entirely sure how taxes played in since they weren't reported on my payment history but are charged to my credit card.
I'm just gonna let autopay do its thing and not worry about it. Just out of curiosity I may check into the vouchers. Thanks for the tip!
It would be nice for the taxes to be reported on the payment history. I'm new to Public Mobile and very happy with my service, just still learning learning what to expect.
Or at least have an automatic receipt issued that shows the taxes. Before that there are multiple other glitches that need to be ironed out though.
But how was that? We need to take Public Mobile for what it is and not what we wish for.
@wetcoaster wrote:
@Tav wrote:
@wetcoaster wrote:
@Tav wrote:
@Lieux wrote:That's true the taxes are not shown on your payment review....but we have to pay them!!!!
No taxes were applied for January as my rewards covered the estimated payment (no taxes showing there either). Wondering if I top up my estimated payment to the amount it says before the autopay system kicks in will it not charge me taxes? This is kind of what happened last month with all the rewards covering the estimated payment.
Ok, lets try to explain that from a different angle...
The available funds are chips that you buy at face value+tax and put into the piggy bank.
The night before renewal the Public Mobile system converts your rewards (if applicable) into chips. It checks if you have enough chips. You might have some left over from last payment, you might have paid into the piggy bank a couple of days ago. If there are enough chips to cover the renewal cost, nothing will happen at this point. If you don't have enough chips in your piggy bank, the system get's the missing amount by buying the chips with your credit card at face value + tax. (If you don't have auto pay enabled the system is unable to top up the chips.)
Later in the night the system grabs the right amount of chips out of your piggy bank and renews your plan. If there are not enough chips in the piggy bank the renewal is not happening and your services stop working.
I got it. I just wasn't sure how the rewards, payments and taxes fit together. Screenshot upcoming for your next question. Hold tight.
I see what you mean. This is new to me, but seems to be another inconsistency in self serve.
For completeness, this is how it looks like in the transaction history after hitting submit on the above screen:
I am a voucher person through and through (gives me the instant receipt for total amount paid for my bookkeeping...) so I need to be careful to not miss this payment in my expense sheet!
@wetcoaster wrote:
@Tav wrote:
@Tav wrote:
@Lieux wrote:That's true the taxes are not shown on your payment review....but we have to pay them!!!!
No taxes were applied for January as my rewards covered the estimated payment (no taxes showing there either). Wondering if I top up my estimated payment to the amount it says before the autopay system kicks in will it not charge me taxes? This is kind of what happened last month with all the rewards covering the estimated payment.
Just tried to top up the $16 estimated for my upcoming bill and it indeed adds the tax there of $2.40 to charge me $18.40 (thought I found a way to cheat the system of taxes and save a few more bucks a month lol).
It makes sense and its not a big deal to me but that discrepancy should be showing in the payment history shouldn't it?
Where exactly?
Screen shot? (without your personal information, obviously...)
You can buy vouchers at recharge.com. Because they are not located in Canada they don't charge taxes. However, the rates fluctuate with the exchange rate and there is a processing fee.
Taxes are added on the make a payment page. I've never used it before so I wasn't entirely sure how taxes played in since they weren't reported on my payment history but are charged to my credit card.
I'm just gonna let autopay do its thing and not worry about it. Just out of curiosity I may check into the vouchers. Thanks for the tip!
It would be nice for the taxes to be reported on the payment history. I'm new to Public Mobile and very happy with my service, just still learning learning what to expect.
@Tav wrote:
@wetcoaster wrote:
@Tav wrote:
@Lieux wrote:That's true the taxes are not shown on your payment review....but we have to pay them!!!!
No taxes were applied for January as my rewards covered the estimated payment (no taxes showing there either). Wondering if I top up my estimated payment to the amount it says before the autopay system kicks in will it not charge me taxes? This is kind of what happened last month with all the rewards covering the estimated payment.
Ok, lets try to explain that from a different angle...
The available funds are chips that you buy at face value+tax and put into the piggy bank.
The night before renewal the Public Mobile system converts your rewards (if applicable) into chips. It checks if you have enough chips. You might have some left over from last payment, you might have paid into the piggy bank a couple of days ago. If there are enough chips to cover the renewal cost, nothing will happen at this point. If you don't have enough chips in your piggy bank, the system get's the missing amount by buying the chips with your credit card at face value + tax. (If you don't have auto pay enabled the system is unable to top up the chips.)
Later in the night the system grabs the right amount of chips out of your piggy bank and renews your plan. If there are not enough chips in the piggy bank the renewal is not happening and your services stop working.
I got it. I just wasn't sure how the rewards, payments and taxes fit together. Screenshot upcoming for your next question. Hold tight.
I see what you mean. This is new to me, but seems to be another inconsistency in self serve.
