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Thursday, 15 January 2015

Online payment con and GHL Systems 支付宝网络诈骗与GHL系统

  • 投诉者从警方处获取该男子资料, 并写上不雅字眼泄愤。



On 25 Dec 2014, Three people claimed they have been cheated of about RM24,000 by an “agent” of a China-based online shopping website Taobao.com, Which own by US listed Alibaba.

They pay the "agent" to top up their online payment account, Alipay. Alipay own by Alibaba founder Jack Ma but it management is separated from listed Alibaba.

Despite Alibaba listed on New York Stock Exchange which propel Jack Ma to become Asia second richest businessman after Hong Kong's Li Ka Shin. It seem that Alibaba main business, Taobao.com is still very much within China.

Even you try to land Taobao.com in Malaysia, it will bring you to South East Asia page of Taobao.com but not home page of China's Taobao.com. It seem people in Malaysia still unable to top up their Alipay directly and still have to relied those so call "Agent", Who have a China's Reminbi Credit or Debit Card or have a Reminbi account holder.

This is still less condusive than US eBay and Paypal. Of course, seller able to sell via eBay and collect money via Paypal. This is not the case on Taobao.com and Alipay.

Malaysia, with people well versed in both English and Chinese, should be able to provide a link between US and China in Ecommerce. This is big potential for Malaysia as China largest trading partner within Asean.

However, the above have been block by banking system. The payment system never link up between Malaysia and China.

Bank Negara Malaysia will impose interchange fees ceiling from July 1,2015. It is not sure such ceiling fee will included Paypal? In fact, Paypal give very unfavorable foreign Exchange rate compare to bank and Money changer to it merchant, other than higher fee.

Earlier, on 17 Dec 2014, GHL Systems Bhd’s unit, GHL Systems Philippines Inc (GHL Philippines),signed an agreement with OmniPay Inc, a non-bank financial institution specialising in payment cards, to acquire merchants under a third-party acquirer (TPA) arrangement in the Philippines accepting payments via Unionpay and JCB cards. This is one milestone for GHL systems after completed deal of epay Australia.

This is a great milestone if GHL Systems able to have a connection with China Unionpay. Unfortunately, the connection are with Omnipay but not directly with Unionpay.

GHL’s chief executive officer Raj Lorenz said “We also expect to conclude a TPA arrangement in Malaysia soon,”. If TPA Malaysia is directly with Unionpay and GHL systems able to have direct connection with UnionPay. Then, this will provide a catalyst for Malaysia to link up banking system with China and Malaysian might not required to go through those "Agent" in future. This also provide competition between Paypal and Alipay if Bank Negara Malaysia unable to regulate ceiling charge of foreign operator.

 Of course, this also enable GHL systems to tap into lucrative Alibaba group's Taobao.com and Alipay.com.

Will Malaysia be the first country to link up Ecommerce between the West and China. The first country who have buyer and more importantly, seller, selling through both eBay and Taobao.com. Unfortunately, the increase of international postage rate by Pos Malaysia Berhad on May 2013 has force many ebay seller ceased their operation.











  • 投诉者从警方处获取该男子资料, 并写上不雅字眼泄愤。



支付宝网之前络诈骗与GHL系统

南洋商报去年十二月25日报道:

数十名来自全国各地的网民,向一名自称是代购中介的本地男子汇入数百至数千令吉不等,以协助代购中国商品或充值本身的支付宝户头,结果一无所得,保守估计损失逾5万令吉。

支付宝是阿里巴巴创办人马云属下私人企业.但不属上市阿里巴巴一部分.

看来马来西亚人仍然无法开通人民币网上银行给支付宝账户充值。而还需要通过所说的“代购中介”尽管阿里巴巴的淘宝网站已经有淘宝东南亚支付宝网站也说可以使用任何信用卡及预付卡

比美国eBay属下Paypal困难使用及不用户友善尽管阿里巴巴市值营业额比eBay及Paypal合计大阿里巴巴营业额只靠中国东南亚国家如马来西亚等仍然需要通过所说的“代购中介”人民币交易

之前,2014年12月17日 ,GHL系统(GHLSYS,0021,主板科技股)宣布菲律宾子公司,与菲律宾专业于付款卡的金融机构Omnipay签约,将在当地提供支付服务给商户(简称TPA),协助吸引更多商家接受中国银联(UnionPay)国际和日本国际信用卡公司(JCB International)。

使GHL系统中国银联(UnionPay)有联系可惜需通过菲律宾Omnipay联系而不是直接联系

马来西亚人双语能力马来西亚为东协跟中国最大的贸易伙伴使马来西亚有潜力成为打美国中国电子商务国家可惜银行交易系统成为

国家银行宣布,将在7月1日调低银行向商家征收付款卡交易的跨行交易费顶限,不确定顶限括国际运营商如Paypal和支付宝

GHL系统会跟中国银联(UnionPay)阿里巴巴达成联系,成为打破碍关键?电子商务市值营业额世界最大阿里巴巴达成交易?

如果成功,马来西亚将成为第一跟eBay阿里巴巴淘宝同时拥有电子商务卖家 国家可惜2013年5月马邮政国际邮费涨价已经造成不少电子商务卖家终止营业








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